Who Needs This
Reverse mortgage servicers, subservicers and lenders that need to follow up on unreturned occupancy certifications, document signs of occupancy, or check on the condition of a property.
How It Works
- The client sends the property and the checks it needs.
- NCCI arranges for a screened, professional representative to visit the property.
- The representative documents the visible condition and any signs of occupancy, with GEO-stamped, date-time stamped photos.
- If someone is home, the representative delivers the client's approved letter and messaging. If the client requests it, the representative also obtains and returns a completed occupancy certification form.
- The report is delivered through NCCI's client portal or the client's system.
What You Receive
A report with the date and time, GPS location, photos, the contact outcome, and any occupant statements.
What NCCI does not do
Representatives do not explain loan terms, counsel borrowers, or give advice. They do not accept payment or request financial information. NCCI documents what it observes. The client decides what the findings mean. All borrower questions are directed to the client.
Frequently Asked Questions
Does NCCI work on reverse mortgages?
Yes. NCCI supports reverse mortgage (HECM) servicers with occupancy follow-up and property condition checks in all 50 states and Puerto Rico.
What happens when a borrower does not return an occupancy certification?
When the client's mail and calls have not worked, NCCI arranges for a professional representative to visit the property. The representative documents what is observed, takes photos, and delivers the client's approved letter and messaging. The client decides what happens next.
Do representatives explain reverse mortgage terms?
No. Representatives do not explain loan terms, give advice, or discuss the account. All borrower questions are directed to the client.
Can NCCI check on the condition of a property?
Yes. NCCI documents the visible condition of the property and any signs of occupancy, with photos and the observations the client requests. NCCI reports what it observes and does not make determinations.
Which states does NCCI cover?
All 50 states and Puerto Rico.
NCCI Services (National Creditors Connection, Inc.) has been operating since 1992, with 1,000+ professionals in all 50 states and Puerto Rico. SOC 1 Type 2. Call Us Today (800) 300-0743.