Can I legally make my mortgage company stop sending "inspectors" out every month?

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Can I legally make my mortgage company stop sending "inspectors" out every month?

Anonymous Jun 3, 2011 2 views 1 answers

I became behind on my mortgage and have been in constant contact with my mortgage company. I have been behind almost 2 years but I am starting to catch up. I am about 45 days past due and continue to make regular payments and my wife calls them. They recently started send "inspectors" out to take pictures of my house and when I called them about it, they said it would not be a regular thing but they have sent one out 4 times in 5 months. He takes pictures and leaves something on my door. I have told them they are not allowed on my property anymore, that they own the loan and I own my property but they keep saying they have the right to send an inspector. I told them to take pictures from the road and to stay OFF my property but they persist. They charge $95 each time. How can I stop this?

Charles Gallagher · Answer 1 · 2026-06-15T10:34:47+00:00

This is a new trend where lenders are abusing the rights under the vacancy inspection provision of the mortgage. Where a homeowner abandons the house and moves out, the lender is entitled to secure the property. So they will send inspectors out to the home to see if the home is occupied. But lenders are using this as a collection method to intimidate homeownwers. The easy way to stop this problem is to send written correspondence to the bank advising that you reside in the home and potentially include a power bill as independent proof. If you have advised them of the occupancy, then you have taken away the need for the bank to inspect the home.

Can I legally make my mortgage company stop sending "inspectors" out every month?

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