Mortgage Inspection Rights Explained

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Summary

Mortgage companies in California can conduct exterior inspections without permission. For interior inspections, they need your permission unless stated otherwise in your mortgage agreement. If your agreement requires interior inspections, you must comply or face potential consequences like fines or loan default. Always consult a local attorney for personalized advice.

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my mortgage company wants to assess my property but I denied entrance into the home. Can they require me to let them in?
Hello ****, generally, mortgage companies have a right to inspect the property they have a financial interest in. However, this depends on the terms of your mortgage agreement and local laws. Could you please share your location so I can provide more specific information?
California.
Hello ****, in California:
- Mortgage companies can conduct exterior inspections without permission.
- For interior inspections, they need your permission unless stated otherwise in your agreement.
- If you refuse, they can potentially pursue legal action.

Please review your mortgage agreement for specific terms.
What if it stated in the agreement
If your agreement states you must allow interior inspections, you're legally obligated to permit them. Non-compliance can lead to consequences like fines or loan default. Always consult a local attorney for personalized advice.