CMR 250 6.05 : Mortgage Loan Inspections
(1) Procedural Standards.
(a) Research and Investigation.
1. Obtain legal description(s), copies of recorded plans and documents
affecting the inspection of the property.
(b) Analysis of Research and Preliminary Conclusions.
1. The surveyor shall analyze and reconcile record information in order to
plan field inspection procedure(s).
(c) Field Inspection.
1. The surveyor shall identify or establish sufficient control from which reliable
measurements can be made to locate improvements to the tract(s).
(d) Computations and Publications of Results. The Surveyor shall:
1. Compute and compare field information with record data.
2. Establish the relationship of improvements to the property lines with
sufficient accuracy for the purpose of the inspection.
3. Prepare a plan showing the results of the inspection.
(e) If the property lines cannot be sufficiently reestablished to identify possible
encroachments, the surveyor shall recommend to the client that a property
survey be performed under the Standards governing Cadastral Original or
(2) Technical Standards.
(a) Measurements. Measurements shall be taken to a precision compatible with
the particular problem involved, the size and shape of the parcel involved and
the particular detail being located.
(b) Field Notes. All pertinent information, measurements and observations made
in the field during the course of the inspection shall be recorded in an
appropriate field note form and in a manner that is intelligible to other surveyors.
(c) Plans. The client shall be furnished a plan entitled "Mortgage Inspection Plan"
drawn to an appropriate scale showing the following:
1. A title block showing the political subdivision of the parcel being inspected, the
date, the scale, the name and address of the firm or surveyor responsible for
the inspection shall be included.
2. Location of tract boundary with relation to nearest street intersection or other
suitable reference available to the layman shall be noted. If necessary, a
vicinity map shall be provided.
3. Meridian arrow and its basis shall be indicated.
4. Boundary lines of the tract with deed or record plan data shall be noted.
5. Improvements to the tract(s) with proper offsets to permanent and accessory
structures shall be shown with sufficient accuracy for the purpose of the
6. Existing record easements and existing aboveground utilities requiring an
easement (main pole lines, etc., but not house service lines) and any surface
evidence of underground utilities requiring an easement, such as manholes,
inlets and headwalls shall be noted.
7. The relationship of the improvements to the property lines shall be shown by
measurement with a precision compatible with the particular problem involved.
8. Recording data of description of subject property shall be included.
9. A note shall be placed as to whether the property being inspected is affected by
a Special Flood Hazard Area as defined by the Department of Housing and
Urban Development or successor.
10. The Registered Land Surveyor's seal and signature shall be affixed to the plan.
11. All plans prepared under this section of the regulations shall be suitable for filing
as an instrument with a recordable deed at the Registry of Deeds.