@jph I've seen the term "mortgage survey" used here often and am confused.?ÿ Every "mortgage survey" that I do is a complete title survey with a legal description and Plan of Survey being prepared.?ÿ Am I missing something?
?ÿ
@rover83 I don't get it, I do a complete survey or no survey at all.
@csk21 I don't see how a Surveyor could legally do that in any state.?ÿ We either do a survey, or, we don't.?ÿ There is always the update for surveys that we already did but not doing a complete survey to go with the plan is in direct violation of the Standards of Practice.
Just do a search on here and you'll find some explanations.?ÿ
I don't think that anyone is doing them and pretending they're actual boundary surveys.?ÿ One poster compared them to getting a gym physical vs getting a full-blown physical.?ÿ
They're for, and only for a specific purpose.
I'm ok with that, I guess.?ÿ But I'm one who thinks that each and every survey and plan should only be for the specific client that the work was performed for, and not the next owner, or some other person 30 years, or even one year later.?ÿ Does this count as a hijack??ÿ I guess we'll see
I did not write "mortgage survey" in my post. Our Licensing Board made a rule that uses the term Mortgage Inspection Plan. These types of plans were invented to satisfy title companies and lenders. They are supposed to answer the question of whether or not a building is entirely within a property and that no encroachments exist.
In the original post I mentioned that the real estate agent had one of these mortgage inspections done by a surveyor and the surveyor called it mortgage inspection on the plan. The plan shows the deed plotted and the house with no dimensions or offsets calculated to the boundary. Just a graphical representation.
I refuse to do these?ÿ because I think they are worthless and only provide such information as can be obtained from the town assessor GIS database for free. Anyway what I am describing is what JPH is writing about. He did not use the term "mortgage survey" either.
Historic boundaries and conservation efforts.
Those mortgage inspections or whatever other term you want to put on them aren't useless. They definitely are not a survey. The individual /company who provides them allows the bank to sue someone should there be an encroachment or the building they just lent money for is grossly devalued because it does not sit entirely on the property. The provider is compensated for taking on the liability and the bank has an entity to recover their losses from. It is nothing more than a way to assign risk. Those willing to take on the risk get compensated. The only drawback is somehow the term "survey " got associated with them.
Frequently the lawyer wants a surveyor to play a violin at the closing.?ÿ
they were called Lot Certifications here. They would show the buildings and distances from side, back and front ROW lines to be sure the buildings were on the property lines and they met setback line minimum. We always did them as a real property survey so the banks didn't use us after a while. Normally the only ones we did were during development of a subdivision we laid out. Title companies started writing out survey coverage and those surveys almost completely vanished.?ÿ
Funny that instrument survey is apparently literal.?ÿ Talk about adding confusion where none existed.
Instrument survey......you know......you pull a survey gizmo out of your truck, mount it on a tripod, then take Buck Rogers zapping shots on each corner marker.......you don't rely on those billion dollars satellites?ÿ and a stick thingy with a frisbee on top with a tiny windshield wiper pointed straight up or down on the side.
It's not a "survey gizmo" to most people.
It's a camera thingy.
(When a bunch of probably over-intoxicated young ladies staggered out of a restaurant recently and asked me to take their picture I said "Sure, line up", and they did.?ÿ Then I said "Now take off your tops!"?ÿ They didn't, but they left giggling.)
Were these younger ladies, say 60 or less, those older lived through the braless days of their youth and probably would have obliged willingly for some ogling and leering to make them feel young again.
@jph a survey for a specific purpose is still a survey with a boundary determination.?ÿ Anything else is a cartoon.
No idea what you're after here.?ÿ But as far as mortgage surveys, plot plans, inspection plans, exhibits, etc., they can be designated for whatever purpose the client and surveyor want.
I can prepare a topo plan that has no boundary determination if that's what the client wants.?ÿ I'm not going to demand that he also pay me for doing the boundary, or do a boundary survey if he doesn't want to pay me for one.
So, go ahead, you do what you do, and I'll do what I do.?ÿ As said, I don't do mortgage surveys, don't even know how a surveyor makes a living at it, but I don't have any issue if someone chooses to do it