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We Verify NKY provides a full range of mortgage field services designed to help servicers, investors, and insurers protect their property assets and make informed decisions. Every inspection and service is documented with time-stamped photos and a detailed condition report.
Occupancy Verification: Swift determination of whether a property is occupied or vacant, supported by detailed photo documentation.
Contact / Letter Delivery: Discreet, professional field visits to deliver urgent lender communications or contact cards directly to borrowers.
Default & Delinquency Field Visits: Assessing property exterior condition and identifying early signs of deferred maintenance or abandonment.
Residential Property Inspections
Our inspectors verify occupancy status and document current property condition for loans in default, delinquency, or pre-foreclosure. Each report includes exterior (and interior, when accessible) photographs, a written condition summary, and occupancy determination — vacant, occupied, or unknown — completed within your required inspection window.
Common inspection types we perform:
- Occupancy/vacancy determination inspections
- Property condition inspections
- Initial and periodic (recurring) inspections
- Damage and hazard inspections
- FHA conveyance condition inspections
- Vacant property inspections for insurance carriers
Commercial Property Checks: Field inspections for commercial real estate to confirm business operations, tenant occupancy, and exterior maintenance.
Merchant & Business Verification: Verifying physical business locations, equipment, and legitimacy for lenders and merchant processors.
2. Commercial & Special Inspections
Quick, accurate determination of whether a commercial property is occupied, vacant, or abandoned, which is a critical first step for servicers navigating default timelines and local vacancy ordinances. We help identify and document properties subject to local vacant property registration ordinances across our Northern Kentucky and Cincinnati service area, helping clients stay compliant with municipal requirements. Our services extend to other assets such as vehicles and entire fleets, heavy equipment, aircraft, water craft and construction sites. We can also verify compliance and conformance to contracts, occupancy agreements and leases.
Post-Storm / Natural Disaster Assessments: On-the-ground damage checks following storms, floods, or fire events in the Tri-State area.
Insurance Loss Inspections: Verifying repair progress for insurance payouts or escrow disbursements.
Disaster & Hazard Loss Inspections
We work with insurance carriers and MGAs to complete exterior and interior policy inspections, providing the detailed condition reports underwriters need to make accurate coverage decisions. This includes damages from events such as motor vehicle accidents, wind, hail, ice, tornado, hurricane, fire, water and mold.
Property Preservation
When a property is confirmed vacant, We Verify NKY can secure and maintain it to protect its value and meet investor guidelines. Services include:
-Property/asset surveillance
- Initial securing (lock changes, boarding, winterization)
- Debris removal and trash-out services
- Lawn maintenance and snow removal
- Pool maintenance and securing
- Damage mitigation and emergency repairs
First Time Vacant (FTV) Inspections: Confirming vacancy so preservation action can begin promptly.
Ongoing Vacancy Inspections: Regular monitoring of vacant properties to prevent vandalism, code violations, or weather damage.
REO Quality Control Checks: Detailed reports on condition, maintenance status, and curb appeal for bank-owned properties.
REO Property Services
For bank-owned and real estate owned properties, we provide the inspections and maintenance needed to keep assets market-ready, including initial services, ongoing upkeep, and condition reporting to support listing and sale.
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