What information must be included in an Occupancy Inspection Report for a delinquent mortgage?

For all inspections, Mortgagees must also retain in its inspection report the general condition of the Property, and any actions taken to protect and preserve the Property and must include on each inspection report the following items, where applicable:
  • date of the inspection
  • identity of the individual inspector and the inspection company
  • Is the Property occupied?
  • Is the house locked?
  • Is the grass mowed and/or are shrubs trimmed?
  • Is there any apparent damage?
  • Is any exterior glass broken?
  • Are there any apparent roof leaks?
  • Does the house contain Personal Property and/or debris?
  • Are any doors or windows boarded?
  • Is the house winterized?
  • Are there any repairs necessary to adequately preserve and protect the Property?
Any questions may be directed to the FHA Resource Center Toll-Free Telephone Number at (800) CALLFHA (225-5342) or by email to answers@hud.gov.  Persons with hearing or speech impairments may reach this number by calling the Federal Relay Service at (800) 877-8339. 

See policy in Handbook 4000.1 Section III.A.2.h.xi.(C) at: https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh

All policy information contained in this knowledge base article is based upon the referenced HUD policy document. Any lending or insuring decisions should adhere to the specific information contained in that underlying policy document.

Topic Number: KA-04122