Mortgage Field Services
Your Local Eyes on Every Property
We provide mortgage lenders with independent field inspections, occupancy verification, and condition reporting. Our neutral, third-party assessments give you the documented insight needed to manage risk, support compliance, and make confident servicing decisions.
Mortgage Field Services
12 Gates Property Services provides independent mortgage field services for lenders, loan servicers, and financial institutions requiring reliable, on-the-ground property inspections and reporting. Our services support informed decision-making, risk mitigation, and compliance during delinquency, default, vacancy, or recovery scenarios.
We operate as a neutral third-party, providing timely, documented insight into property condition, occupancy status, and risk exposure.
Our Role
We act as your local eyes and ears, delivering objective field inspections and structured reports to support mortgage servicing, asset management, and recovery strategies.
Our role is limited to inspection, documentation, and coordination support. We do not provide legal advice, insurance adjusting, or remediation services.
Mortgage Field Services We Provide
Property Condition Inspections
Independent inspections to assess the physical condition and observable risks associated with residential properties.
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Exterior and interior inspections
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Condition and maintenance observations
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Photo documentation
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Safety and risk indicators
Occupancy Verification
Verification of property occupancy status to support servicing and recovery decisions.
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Occupied / vacant confirmation
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Visual indicators of use or abandonment
Access observations (where permitted)
Vacancy & Preservation Oversight (When Required)
Oversight services for properties confirmed vacant or at risk.
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Routine site inspections
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Maintenance coordination oversight
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Documentation to support insurance and municipal compliance
Post-Event & Damage Assessments
Initial assessments following fire, water, storm, or environmental events.
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Condition documentation
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Observations to support recovery planning
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Coordination support (where required)
Reporting & Documentation
Our reports are designed to support internal review, compliance tracking, and decision-making. Deliverables may include:
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Written inspection summaries
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Time-stamped photo documentation
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Observed risk indicators
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Follow-up recommendations (non-prescriptive)
Reporting frequency and format can be aligned with your internal requirements.
Compliance-Aware Approach
We operate with awareness of:
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Insurance sensitivities related to vacancy
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Municipal property standards and bylaw considerations
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Lender expectations for documentation and neutrality
Our services are structured to support—not replace—your internal, legal, or insurance processes.
The Mortgage Recovery Process
Independent Property Inspections & Reporting for Mortgage Lenders
Who We Work With
Our mortgage field services are provided exclusively to:
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Private and institutional mortgage lenders
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Loan servicers and asset managers
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Financial institutions managing delinquent or non-performing assets
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Authorized representatives acting on behalf of lenders
What We Do Not Provide
To maintain neutrality and compliance, we do not provide:
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Legal advice or enforcement services
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Insurance adjusting
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Remediation, restoration, or construction work
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Borrower negotiations or collections
Physical work, where required, is completed by qualified third-party contractors.
Engaging Our Services
Mortgage field services are provided on a request-based or ongoing basis, depending on portfolio needs.
For service inquiries, reporting requirements, or onboarding discussions, please contact us directly.
