Mortgage Surveys
A mortgage survey—sometimes called a closing or loan survey—gives lenders, title companies, and buyers a clear picture of how a property on paper matches what exists on the ground. It’s not about redesigning the site; it’s about verifying the essentials quickly and accurately. We locate boundary evidence, depict visible improvements (houses, garages, sheds, driveways, pools), and show how they relate to lot lines, easements, and setbacks. We also note fences, walls, and signs of encroachment that could create future friction. The finished map (plat) is certified by a licensed surveyor and designed for underwriting and closing packages.
Why Buyers, Sellers, and Lenders Need It
Closings work best when there are no surprises. A current mortgage survey catches the small things that turn into big delays: a fence over the line, a shed set inside an easement, a driveway that crosses a neighbor’s corner, or a porch that clips a setback. When discovered early, these issues can be properly documented, insured around, or fixed—before the moving truck arrives. For lenders, the survey supports risk decisions and required endorsements. For title professionals, it clarifies exceptions on Schedule B-II so the policy matches real-world conditions. For owners, it provides peace of mind that what you’re buying is what you’ll own—no guesswork about where improvements sit or whether the property matches its description. In short, the survey smooths the closing path and protects everyone involved.
Variations and Add-Ons That Fit The Deal
Not every transaction needs the same scope. A standard mortgage/loan survey focuses on parcel lines, visible improvements, encroachments, and platted easements. A condominium mortgage survey verifies unit locations, limited common elements, and access within the condo regime rather than staking land corners. A townhome or zero-lot-line survey pays special attention to party walls and maintenance easements. For refinances, an update/re-certification confirms that no material changes have occurred since the prior map. When risk demands more detail, we can layer in selected elements—utility structures, measured building offsets, driveway widths, or a basic flood note referencing current FEMA panels.
Our Process From Order To Signed Plat
We start by reviewing your title commitment, legal description, recorded plat, and any prior surveys. That paperwork frames the “record picture” we need to test in the field. Our crew then recovers boundary evidence, measures lines with total stations and GNSS, and documents visible improvements and occupation (fences, walls, drives). We compare measurements with the deed calls, evaluate any gaps or overlaps, and map recorded easements that affect the property. If something looks off, we raise a flag early—no one likes surprises at the eleventh hour. Back in the office, we draft a clean, legible plat with notes your lender and title officer can actually use, then certify the map to the parties you specify.
Why AxisLine Is A Smart Choice
Closings are all about timing and clarity. We communicate proactively with your agent, closer, and title team, keep an issues list for fast decisions, and produce maps that read easily—clear symbology, practical notes, and no clutter. Our fieldwork is careful, our drafting meticulous, and our deliverables arrive in digital and hard-copy formats that drop neatly into your closing packet. Whether you’re purchasing your first home, refinancing, or selling an investment property, you’ll get straight answers and a dependable product from a team that respects deadlines and budgets.