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Mortgage Occupancy Field Inspector Jobs in Florida

SmartBank

Mortgage Loan Officer

Destin, FL · On-site

Bachelor's degree in business, finance or related field preferred. * Two to four years of ... Average, ordinary, visual acuity necessary to prepare and inspect documents or products and operate ...

SmartBank

Mortgage Loan Officer

Destin, FL · On-site

Bachelor's degree in business, finance or related field preferred. * Two to four years of ... Average, ordinary, visual acuity necessary to prepare and inspect documents or products and operate ...

SAFEbuilt

Mechanical Inspector

Cutler Bay, FL · On-site

$23 - $30.75/hr

... Use and Occupancy. * Related office duties include providing information to contractors and the public, and assisting in the resolution of disagreements. * Conducts field inspections of air ...

SAFEbuilt

Mechanical Inspector

Cutler Bay, FL · On-site

$24.25 - $32/hr

... Use and Occupancy. * Related office duties include providing information to contractors and the public, and assisting in the resolution of disagreements. * Conducts field inspections of air ...

SAFEbuilt

Mechanical Inspector

Bradenton, FL · On-site

$23 - $30.25/hr

... Use and Occupancy. * Related office duties include providing information to contractors and the public, and assisting in the resolution of disagreements. * Conducts field inspections of air ...

TEKsystems

Mortgage - Processor Assistant

Pensacola, FL · Hybrid

$17/hr

... member inspections required prior to appraisal orders. * Ensure key loan milestone dates are ... Image and index documents accurately within the repository and complete missing system fields (e.g ...

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Mortgage Occupancy Field Inspector information

What is a mortgage occupancy field inspector?

Mortgage Occupancy Field Inspectors are professionals hired by mortgage lenders, banks, or inspection companies to verify the occupancy status and condition of properties with outstanding mortgages. Their main responsibility is to visit properties, take photos, and report on whether the homes are occupied, vacant, or abandoned. This information helps lenders make decisions regarding foreclosure, property maintenance, and insurance. Inspectors typically work in the field, covering multiple properties in a given area, and often use mobile apps or forms to submit their findings. Attention to detail and good communication skills are important for this role.

What are the key skills and qualifications needed to thrive as a mortgage occupancy field inspector?

To thrive as a Mortgage Occupancy Field Inspector, you need keen attention to detail, basic property assessment knowledge, and a valid driver's license, often supported by a high school diploma or equivalent. Familiarity with mobile inspection apps, GPS navigation systems, and digital photography is typically required. Strong time management, reliability, and clear communication skills help inspectors efficiently coordinate with property owners and reporting agencies. These skills ensure accurate, timely property reports and maintain client trust in the mortgage servicing process.

What are some common challenges faced by mortgage occupancy field inspectors in the field, and how can they be managed?

Mortgage Occupancy Field Inspectors often encounter challenges such as difficult access to properties, inclement weather, and sometimes uncooperative occupants. Effective time management and strong communication skills are essential to navigate tight schedules and ensure accurate reporting. Inspectors can manage these challenges by staying organized, maintaining clear documentation, and following safety protocols when approaching unfamiliar properties. Building a routine for efficient travel routes and leveraging mobile inspection tools can also help streamline the process.

What is the difference between Mortgage Occupancy Field Inspector vs Property Inspector?

AspectMortgage Occupancy Field InspectorProperty Inspector
CredentialsTypically requires real estate or appraisal certifications, sometimes state licensingRequires general home inspection certifications, such as InterNACHI or ASHI
Work EnvironmentFieldwork inspecting residential properties for mortgage purposesInspecting various property types for condition and safety
Employer & Industry UsageUsed mainly by lenders, mortgage companies, and appraisal firmsEmployed by inspection companies, real estate agencies, or independently
Search & Comparison IntentOften compared for mortgage-related property assessmentsCompared for general property condition evaluations

The Mortgage Occupancy Field Inspector focuses on verifying property occupancy status for mortgage approval, often requiring specific certifications and working directly with lenders. Property Inspectors perform broader property evaluations for safety and condition. While both roles involve on-site inspections, their primary purposes and certifications differ, making them distinct but related careers in real estate and mortgage industries.

How do I become a mortgage occupancy field inspector?

To become a mortgage occupancy field inspector, candidates typically need a high school diploma or equivalent, a valid driver's license, and good communication skills. Some employers require prior experience in property inspection or related fields, and training is often provided on the job. Certification is not mandatory but can enhance job prospects and credibility in the industry.

What does a mortgage occupancy field inspector do?

A mortgage occupancy field inspector assesses whether a property listed for a mortgage loan is occupied by the borrower as their primary residence. They visit properties to verify occupancy, document conditions, and ensure compliance with loan requirements, often using inspection tools and reporting software. This role helps lenders confirm the property's status before loan approval or servicing.

What are popular job titles related to Mortgage Occupancy Field Inspector jobs in Florida?

For Mortgage Occupancy Field Inspector jobs in Florida, the most frequently searched job titles are:

What job categories do people searching Mortgage Occupancy Field Inspector jobs in Florida look for?

The top searched job categories for Mortgage Occupancy Field Inspector jobs in Florida are:

What cities in Florida are hiring for Mortgage Occupancy Field Inspector jobs?

Cities in Florida with the most Mortgage Occupancy Field Inspector job openings:

Mortgage Occupancy Field Inspector jobs near you
Infographic showing various Mortgage Occupancy Field Inspector job openings in Florida as of August 2026, with employment types broken down into 50% Part Time, and 50% Contract. Highlights an 100% In-person job distribution.

Xactimate Certified Damage Assessor and Inspector

Innovative Emergency Management

Fort Lauderdale, FL • On-site

Full-time

Retirement, PTO

Re-posted 27 days ago

Job description

IEM is seeking an individual to fill the role of Full-Time - Xactimate Certified Damage Assessor and Inspector. The Xactimate-Certified Damage Assessor/Inspector is responsible for conducting property inspections, documenting disaster-related damage, and developing repair scopes and cost estimates in support of CDBG-DR housing recovery programs. This role ensures all inspections, documentation, and estimates are accurate, consistent, defensible, and compliant with federal program requirements. Candidates must hold Xactimate certification and a current license or certification in adjusting, building inspection, or a related field. Position requires regular fieldwork and travel across South Florida. Success in this role requires the ability to work efficiently in a fast-paced, deadline-driven environment with a high degree of accuracy.
Primary Location:
  • Candidates will need to either reside in South Florida or be willing to travel regularly to the region. This role requires availability for in-person property inspections and on-site support, primarily in the Fort Lauderdale area.
  • Work will take place either in the field, in an office environment, or personal office / at home and will depend on the need of the project.

Travel Requirements:
  • This position will require travel to complete work assignments or attend meetings.
  • Daily travel and other expenses are reimbursable in accordance with Federal Travel Regulations or DoD Regulations.

Essential Functions:
  • Conduct residential inspections to assess disaster-related damage, repair needs, and construction eligibility
  • Document findings with photos, measurements, notes, and field records; perform re-inspections as needed
  • Differentiate disaster damage from pre-existing conditions or non-eligible improvements
  • Prepare accurate Xactimate estimates and detailed scopes of work aligned with program requirements and codes
  • Review and revise estimates based on QA feedback, contractor input, and program guidance
  • Ensure consistency in estimating methods, pricing, and documentation
  • Maintain complete, auditable inspection and estimating documentation in compliance with CDBG-DR and HUD requirements
  • Coordinate with program teams to resolve documentation gaps and compliance issues
  • Identify environmental, safety, or code concerns requiring further review
  • Communicate professionally with applicants, contractors, and stakeholders during inspections and field activities
  • Coordinate scheduling and escalate safety issues, complaints, or site concerns as needed
  • Support construction activities, including walkthroughs, scope validation, change orders, inspections, and closeout
  • Assist with cost reasonableness reviews and resolve discrepancies across inspections, scopes, and program records
  • Provide technical input to support accurate scopes, estimates, and program delivery

Minimum Qualifications:
  • Experience: Experience conducting residential damage assessments, construction inspections, property inspections, or insurance adjusting.
  • Experience preparing Xactimate estimates, repair scopes, quantity takeoffs, field notes, sketches, and inspection documentation.
  • Experience supporting CDBG-DR, CDBG-MIT, FEMA, HUD, insurance recovery, or other federally funded disaster recovery programs.
  • Active Xactimate certification.
  • Current certification or license as an adjuster, building inspector, construction inspector, or comparable qualified inspection professional.
  • Ability to identify and document disaster-related damage, construction deficiencies, repair needs, and cost estimate assumptions.
  • Strong attention to detail and ability to prepare clear, accurate, and defensible documentation.
  • Ability to communicate professionally with applicants, program staff, contractors, and government stakeholders.
  • Ability to travel regularly throughout South Florida to conduct field inspections.
  • Proficiency with Xactimate, Microsoft Office, mobile inspection tools, photo documentation, and electronic case management or file management systems.

Preferred Qualifications:
  • Experience working directly on HUD-funded CDBG-DR housing recovery programs.
  • Florida adjuster license, building inspector certification, residential contractor license, ICC certification, or other relevant construction-related credential.
  • Experience with repair, rehabilitation, reconstruction, elevation, manufactured housing replacement, or substantial damage/substantial improvement reviews.
  • Familiarity with HUD housing quality standards, local building codes, floodplain considerations, environmental review requirements, and resilient construction standards.
  • Experience supporting QA/QC reviews, scope reconciliation, appeals, complaints, or construction change order reviews.
  • Bilingual English/Spanish or English/Haitian Creole skills.
  • Core competencies include Xactimate estimating, residential damage assessment, construction inspection, and detailed field documentation. Strengths also include CDBG-DR compliance awareness, cost reasonableness, scope development, applicant-facing professionalism, strong technical judgment, responsive quality control, and a high level of accuracy and defensibility.

Additional Information:
  • Field Work: Field-focused role with frequent travel; exposure to outdoor conditions (heat, cold, uneven terrain).
  • Personal Office / At Home Locations: All personal office / at home work environments require the ability to maintain minimum Internet speeds of 25 Mbps upload and 3 Mbps download, as well as a ping rate of 100 ms or less during working hours, regardless of the type and number of devices using your Internet connection. You must also have account privileges and access to your Internet service provider account during working hours for the purpose of maintaining the Internet connection, if needed.
  • Office Locations: Often, these offices are either owned by the client we work with or by IEM. All candidates are expected to follow any rules and regulations of the office in which they are required to work for that project.

Benefits and more:
  • Salary is based on your location and experience level: $90,000 - $110,000
  • 10 paid Holidays
  • Vacation Pay
  • Sick Pay
  • 401 (K) plan with matching
  • Company paid STD and LTD

Equal Employment Opportunity. All IEM employment decisions, including recruiting, hiring, placement, training availability, promotion, compensation, evaluation, disciplinary actions, and termination of employment, if necessary, are made without regard to an individual's race, color, religion, creed, sex (including sexual orientation, gender identity, and gender expression), national origin, ancestry, age, physical or mental disability, medical condition, genetic information, pregnancy (including childbirth and related medical conditions), marital status, military or veteran status, citizenship or immigration status, or any other characteristic protected under applicable law.
Reasonable Accommodation. IEM is committed to providing reasonable workplace accommodations for individuals with disabilities. If you require assistance or reasonable accommodation during any part of the application or employment process, please email IEMhumanresources@iem.com with specific details about the requested accommodation. All accommodation requests are reviewed case-by-case in compliance with applicable law.

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