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U.S. Commercial Building Inspections (USCBI) offers residential and commercial field inspection services for mortgage servicers, lenders, insurance, brokers, attorneys, and property managers in San Diego County, California, and the surrounding areas.
One of our specialties is working with investors, mortgage servicers, and other nationwide contractors as an approved local vendor on delinquent government-backed loans for residential properties such as Fannie Mae, Freddie Mac, HUD/FHA, VA, and the USDA during the COVID-19 pandemic. If you would like to inquire more about our commercial field services, please click here or call 619-514-4419.
We understand the importance of health and safety during the loss mitigation process by using proper personal protection equipment (PPE) when inspecting delinquent properties and the maintenance if they are abandoned by the borrower to preserve its value for investors and to help prevent neighborhood blight. Our inspectors are certified by the World Health Organization (WHO) on proper COVID-19 disinfection and PPE protocols.
There are many types of field services that USCBI can provide for our clients at various phases of a delinquent mortgage and during the foreclosure process, and for REO properties.
Property Condition Inspection
Our inspectors will drive to the subject property to conduct a visual observation along with taking photos to report on its overall condition and occupancy status. We will also determine if there are any existing or potential maintaenance and or safety conditions that could impact the property’s value.
Both Fannie Mae and Freddie Mac require that servicer must order the initial property inspection on or after the 60th day of delinquency and complete the property inspection no later than the 75th day of delinquency for all delinquent mortgage loans.
USCBI will inspect the subject property to determine if it’s currently occupied. We will collect as much information as possible such as but not limited to; photos, the contact information of any occupants, lease documents, neighbor interviews, and if there are any existing or potential maintenance and or safety conditions that could impact the property’s value.
For example, both Fannie Mae and Freddie Mac require that if the property is vacant or abandoned then the servicer must complete an interior inspection as allowed by applicable law and if the occupancy status of the property is unknown, or occupied (whether by the borrower(s), the tenant(s), or unknown occupant(s)), then only an exterior inspection is allowed. USCBI can inspect curbside (drive-by) exterior inspection when legal constraints due to compliance with applicable law including active bankruptcy, or if there is a potential danger to the inspector.
Foreclosure Sale Date
USCBI will inspect the subject property prior to the foreclosure sale date to ascertain the occupancy and its condition to determine any maintenance or vandalism issues or if an eviction may be required. We will provide you with photos and a report of our findings.
REO Field Services & Maintenance
We provide many different types of field, inspection, and maintenance services in San Diego County for residential and commercial REO clients. USCBI can inspect and report on the overall condition and marketability from the time of acquisition until the property is sold. Our expert reports will provide important notes on the condition of the property such as maintenance, damages, vandalism, violations, and the presence of hazardous conditions.
We also provide monthly maintenance plans such as janitorial services, lawn maintenance, pool cleaning, debris removal, and emergency repairs.
Many of our clients hire U.S. Commercial Building Inspections (USCBI) over other field service providers due to the fact that we are a local San Diego, California company and we do not outsource our services to third party contractors. We also have a 24/7 call center for clients, neighbors, contractors, and city officials to report emergencies.
This ensures that each local property we service is well maintained, secure, and safe.