A Mortgage Loan Inspection is prepared for the lender and its title insurer, and should never be used for permitting, boundary line determinations, or construction. The two items evaluated on an MLI determine if a dwelling or on-site improvements used as collateral for the loan being created are in compliance with municipal/local building setback requirements at the time of construction, and if said dwelling or on-site improvements horizontally scale in or out of a Special Flood Hazard Area per the Federal Emergency Management Agency’s Flood Insurance Rate Maps. The product is used to evaluate risk on the mortgage loan being created.
We also offer Flood Certificates without performing a formal Mortgage Loan Inspection. A Flood Certificate determines if a dwelling or on-site improvements to be used for loan collateral horizontally scale in or out of a Special Flood Hazard Area. Unlike a Mortgage Loan Inspection, it does not determine compliance with municipal/local building setback requirements. It is used to challenge a flood determination made by another surveyor, a real estate appraiser, or a national flood determination company. Please indicate in the form below if you wish to have a Flood Certificate.
Promptly serving Southern and Central Maine, including York, Cumberland, Sagadahoc, Lincoln, Androscoggin, Oxford, Knox, Kennebec, and Franklin Counties. Rely on us to deliver thorough (including information on flood data, deed reference, plan reference, municipal reference), accurate, and timely service regardless of your needed turn-around time.
Please provide as much of the below requested data as possible. If you prefer, you can print a request form to fax (207-878-7871) or email (email@example.com). Please feel free to contact us with any questions or concerns.
IMPORTANT: A mortgage loan inspection (inaccurately called a “Class D Survey”) should never be used for building construction.