A Mortgage Report is a detailed tree survey that evaluates the potential risks that trees may pose to a property, especially when it comes to the property's value, safety, and potential damage. These reports are typically requested by lenders, homeowners, or property buyers when a mortgage is being applied for, particularly if the property is located near trees or has trees on-site. As professional tree surveyors, we provide comprehensive mortgage reports to help assess tree-related risks, giving lenders and property owners confidence in the condition and safety of the property in question.

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When a mortgage lender is considering a loan, they may request a tree survey report to determine whether nearby trees could affect the stability of the property or pose future risks, such as root damage, subsidence, or branches falling during storms. Our mortgage reports provide an objective, thorough analysis of the trees on or near the property and offer clear recommendations on any necessary tree management or remedial actions.

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Our Mortgage Report services include the following:

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• Tree Risk Assessment: We assess the trees on the property for potential risks such as root encroachment, proximity to buildings, structural weaknesses, or signs of disease or decay. This helps determine whether the trees pose any threat to the property or its occupants.

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• Condition and Health Evaluation: We provide a comprehensive evaluation of the health and condition of the trees, identifying any that may need attention or pose an increased risk due to poor health or structural failure.

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• Impact on Property Value: We assess how the trees may impact the property’s value, factoring in considerations like potential tree-related damage, aesthetics, and the environmental benefits trees provide.

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• Recommendations for Mitigation: If any risks or concerns are identified, we provide recommendations for tree maintenance or management, such as pruning, root management, or tree removal. We may also advise on the implementation of tree protection measures to prevent further damage.

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• Report for Mortgage Lenders: Our detailed, professional reports are written in a clear and concise manner, tailored for submission to mortgage lenders, helping them assess the potential risks associated with a property. The report is designed to provide the lender with the information they need to make an informed decision regarding the mortgage approval.

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• Long-Term Tree Management Advice: If any concerns are identified during the report, we may also provide advice on how to manage the trees in the future, including setting up a tree management plan to prevent future issues.

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By providing these Mortgage Reports, we help property buyers, homeowners, and mortgage lenders better understand the role trees play in the safety and value of a property. Our detailed and accurate assessments offer peace of mind, ensuring that any tree-related risks are identified early and addressed effectively, paving the way for a smoother mortgage process.