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Privacy Policy

1. Information We Collect

JBA Property Solutions LLC ("JBA," "we," "us") collects information you provide directly when submitting inquiry forms on this website, including name, company name, email address, phone number, and service requirements. We do not collect sensitive personal information beyond what is necessary to respond to business inquiries.

2. How We Use Information

• To respond to quote requests, partnership inquiries, and inspector applications
• To communicate about our services and operational matters
• To comply with applicable legal and regulatory requirements

We do not sell, rent, or share your information with third parties for marketing purposes.

3. Field Inspection Data

Property inspection reports, photographs, and associated data collected during field assignments are handled in accordance with our client service agreements. This data is treated as confidential and is shared only with the commissioning client and as required by law.

4. Data Security

We maintain reasonable administrative, technical, and physical safeguards to protect information submitted through this website and through our field operations platform. All transmission of sensitive data uses industry-standard encryption.

5. Cookies & Analytics

This website may use basic analytics tools to understand visitor traffic patterns. We do not use advertising cookies or cross-site tracking. You may disable cookies through your browser settings without affecting your ability to use this site.

6. Your Rights

You may request access to, correction of, or deletion of personal information we hold about you by contacting us at the address below. We will respond within 30 days.

7. Contact

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Terms of Service

1. Acceptance of Terms

By accessing this website or submitting any inquiry through it, you agree to be bound by these Terms of Service. If you do not agree, please do not use this site.

2. Services

JBA Property Solutions LLC provides mortgage field services including property inspections, occupancy verifications, property condition reports, insurance surveys, property preservation, and related services. All services are governed by executed service agreements between JBA and the client entity.

3. Website Use

This website is intended for informational and business inquiry purposes. You agree not to use this site to submit false or misleading information, attempt unauthorized access to any system, or engage in any conduct that disrupts normal operation of the site.

4. Intellectual Property

All content on this website — including text, graphics, logos, and service descriptions — is the property of JBA Property Solutions LLC and may not be reproduced, distributed, or used without written permission.

5. Limitation of Liability

JBA Property Solutions LLC shall not be liable for indirect, incidental, or consequential damages arising from use of this website. Our liability for any claim arising from use of this site is limited to the greater of $100 or amounts paid by you for services in the preceding 12 months.

6. Governing Law

These Terms are governed by the laws of the State of Ohio, without regard to conflict of law principles. Any disputes shall be resolved in the courts of Franklin County, Ohio.

7. Changes to Terms

We may update these Terms from time to time. Continued use of the website following any changes constitutes acceptance of the revised Terms.

8. Contact

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Compliance Statement

JBA Property Solutions LLC is committed to maintaining the highest standards of regulatory compliance in the mortgage field services industry. This statement outlines our key compliance commitments.

CFPB Compliance

All occupancy verification and door-knock procedures follow Consumer Financial Protection Bureau (CFPB) guidelines for mortgage servicer field operations, including proper address verification protocols, documentation of all contact attempts, and prohibition of harassment or deceptive practices. Our GPS-timestamped door-knock records support servicer compliance with CFPB supervisory expectations.

Inspector Screening & Background Checks

Every field inspector engaged by JBA Property Solutions undergoes a background screening process prior to receiving assignments. Inspectors with disqualifying criminal history are not onboarded. Background check requirements are reviewed annually and updated in accordance with client and GSE requirements.

GSE & Investor Guidelines

Our inspection reports, photo documentation, and condition coding are designed to meet the specifications of Fannie Mae, Freddie Mac, FHA, and major private-label mortgage investors. We maintain familiarity with current GSE property inspection requirements and update our protocols when guidelines change.

Errors & Omissions Insurance

JBA Property Solutions LLC maintains Errors & Omissions (E&O) insurance coverage appropriate for our scope of operations. Certificate of insurance is available upon request to prospective and current clients.

Data Handling & Confidentiality

Inspection data, property photographs, borrower-adjacent information, and client portfolio data are treated as strictly confidential. Access is limited to personnel with a need-to-know basis. We do not share, sell, or use client data for any purpose beyond fulfilling the contracted service.

Quality Control

Our internal QC framework requires review of every completed inspection order prior to client submission. Photo completeness, condition coding accuracy, and door-knock documentation are verified at the QC stage. Inspectors with sustained quality issues are subject to a performance improvement process and potential removal from the network.

Reporting Concerns

Any compliance concerns, suspected violations, or quality issues may be reported directly to JBA management.

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Inspector Legal Authority

If a JBA field inspector has visited your property, you may have questions about whether this visit is permitted and what gives them the right to photograph and document your home. This page provides a complete explanation of the legal framework that authorizes mortgage field inspections — and what inspectors are and are not allowed to do.

Layer 1 — Your Mortgage Contract

The most direct authorization comes from documents you signed when you financed your home. Every mortgage backed by Fannie Mae, Freddie Mac, FHA, VA, or USDA uses a Fannie Mae/Freddie Mac Uniform Security Instrument — a standardized Deed of Trust or Mortgage used in all 50 states. Section 7 of that instrument states:

Section 7 — Preservation, Maintenance and Protection of the Property; Inspections: "Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause."

JBA Property Solutions acts as the authorized agent of your mortgage servicer. By signing your loan documents, you contractually granted this right of entry and inspection to your lender and its agents for the life of the loan.

Layer 2 — Federal GSE Servicing Requirements

Mortgage servicers are not just permitted to order inspections — they are required to by federal GSE guidelines:

• Fannie Mae Servicing Guide D2-2-10 requires servicers to order a property inspection within 45 days of a missed payment, and every 30 days thereafter as long as the loan remains delinquent
• Freddie Mac Single-Family Guide imposes equivalent inspection frequency requirements for delinquent loans
• FHA/HUD, VA, and USDA each have their own inspection mandates for loans they insure or guarantee

These requirements exist to protect the collateral value of the property — which secures the loan. A servicer that fails to conduct required inspections risks violations of their GSE agreements. Field inspections are a legally mandated function of the mortgage servicing industry, not an optional or punitive action.

Layer 3 — The Legal Doctrine of Implied License

Even setting aside the mortgage contract entirely, a separate body of law protects the right of authorized visitors to approach a home. The U.S. Supreme Court established in Florida v. Jardines (569 U.S. 1, 2013) that American social norms create an implied license permitting any person to:

• Approach a home by the front path
• Knock on the door and wait briefly to be received
• Leave if no one answers

The Court noted this license applies to "the Nation's Girl Scouts and trick-or-treaters" — and to anyone with a legitimate purpose for approaching a home, including delivery drivers, mail carriers, canvassers, and authorized business representatives. This implied license exists independently of the homeowner's preferences and applies even when "No Trespassing" signs are posted.

Why a "No Trespassing" Sign Does Not Stop a Field Inspector

This is one of the most common points of confusion. A "No Trespassing" sign does not override the contractual and legal authority that authorizes a mortgage field inspection. There are two independent reasons:

• The mortgage contract supersedes the sign. You contractually authorized lender access when you signed the security instrument. A sign posted on your property cannot unilaterally revoke a right you granted in a binding legal contract.
• The implied license is not automatically revoked by a sign alone. Multiple federal circuit courts and state supreme courts have held that a "No Trespassing" sign, without a physical barrier (locked gate, fence blocking access), does not revoke the implied license to approach a front door. In United States v. Carloss (818 F.3d 988, 10th Cir. 2016), the court held that multiple "No Trespassing" signs did not prevent a legitimate knock-and-talk. In State v. Christensen (517 S.W.3d 60, Tenn. 2017), the Tennessee Supreme Court held that signs near an unobstructed driveway were not sufficient to revoke the implied license.

Field service industry guidance (National Mortgage Field Services, NMFS) explicitly addresses this: inspectors acting under mortgage servicer authority are doing business — like a pizza delivery driver — and are not considered trespassers simply because a sign is present. The NMFS notes: "The homeowner gave permission for inspectors to take photos of their property whether they read it or not," referring to the mortgage security instrument.

Property Access and Photography

To perform a mortgage field inspection, our inspectors access the curtilage of the property — the area immediately surrounding the home, including the driveway, front walkway, porch, and accessible perimeter. This is necessary to:

• Perform the required door knock at the front entrance
• Document the full exterior condition of the structure from all accessible angles
• Check utility meters (electric, gas, water) when no visible occupancy signs are present — these are typically located at the side or rear of the property

This access to the curtilage is expressly authorized by the Fannie Mae/Freddie Mac Uniform Security Instrument (Section 7: "Lender or its agent may make reasonable entries upon and inspections of the Property") and is consistent with the legal doctrine of implied license established by the U.S. Supreme Court in Florida v. Jardines (2013).

Photographing the exterior condition of a property from the curtilage or from public areas is lawful in all 50 states. There is no legal right to privacy for the exterior of a structure. Exterior condition photography is explicitly required by GSE servicing guidelines (Fannie Mae Form 30 — Property Inspection Report) and is a mandatory component of the inspection record.

The critical distinction: our inspectors access the grounds and exterior of the property — they do not enter the structure itself when a property is occupied. Walking to the front door and checking a utility meter at the side of the house is not the same as entering the home. This distinction is recognized in GSE guidelines, which specify that exterior inspections are permitted for occupied properties while interior access requires additional authorization.

What JBA Inspectors Are Authorized to Do

• Approach the property and perform a door knock to determine occupancy
• Document the exterior condition of the property — structure, roof, siding, windows, foundation, yard
• Photograph the exterior from accessible areas
• Observe and document visible occupancy indicators (mail, vehicles, window coverings, personal property)
• Access the property's curtilage (grounds, driveway, side/rear perimeter) to check accessible utility meters (electric, gas, water) when no visible occupancy signs are present — this is standard practice to determine vacancy status without entering the structure
• Canvass neighbors when required by the servicer order type

What JBA Inspectors Will Never Do

• Enter the structure of an occupied property — accessing the grounds to knock on the door or check a utility meter is not the same as entering the home. We do not go inside under any circumstances when a property shows signs of occupancy
• Remove, relocate, or disturb any personal property
• Change locks, board windows, or take preservation actions on an occupied property
• Harass, threaten, or pressure any occupant
• Conduct an interior inspection without explicit servicer authorization and, where required, advance notice

If an Inspector Visits Your Property

• Ask the inspector for their name and the company they represent — our inspectors carry identification
• Contact your mortgage servicer directly to confirm the inspection was ordered — use the number on your most recent mortgage statement
• If you are current on your mortgage and received an inspection, contact your servicer — it may have been ordered in error or as part of a routine portfolio review
• If you are home and prefer not to be approached, you may say so — our inspector will complete the exterior documentation from accessible areas without disturbing you

Why Is This Happening?

Receiving a field inspection does not mean you are in foreclosure. Inspections can be triggered by a single missed payment, a change in loan servicer, a post-disaster portfolio check, or a routine GSE-required review. If you are concerned about your mortgage status, contact your servicer directly using the phone number on your most recent mortgage statement.

Our Conduct Standards

JBA inspectors are trained to conduct themselves professionally and non-confrontationally. They explain the purpose of their visit when asked, do not enter occupied properties under any circumstances, and follow documented conduct protocols on every assignment. If you had a negative experience with a JBA inspector, we take that seriously — contact us directly.