Whether you’re a commercial lender, mortgage banker, or credit union, zoning compliance is a critical part of your due diligence process. ZoningWorx delivers fast, accurate ALTA zoning reports for lenders, accepted by Fannie Mae, Freddie Mac, and major title companies nationwide.
What Is an ALTA Zoning Report for Lenders?
An ALTA zoning report verifies a property’s zoning classification, permitted use, setbacks, building height, parking requirements, and conformance status. Our reports comply with ALTA Form 3.0 and 3.1 Endorsement requirements — giving your team the documentation needed to close with confidence.
Why Lenders Choose ZoningWorx
– ALTA 3.0 & 3.1 compliant reports
– Fannie Mae and Freddie Mac accepted
– $3,000,000 in General Liability and E&O insurance
– $1,000,000 E&O coverage per report
– Certified City Planners and AICP-certified staff
– Available 24 hours a day, 7 days a week
– Fast turnaround on all orders
– Serving lenders in all 50 states
What Our Reports Cover
Every ZoningWorx lender zoning report includes a full review of zoning classification, permitted and conditional uses, building setbacks, height and density requirements, parking standards, nonconforming use status, and the right to rebuild. We also provide the applicable zoning code sections and a zoning map for the subject property.
Order Your Lender Zoning Report Today
Ready to get started? Complete our online order form or call us at (405) 928-9679. Our certified planners are available 24/7 to answer questions and get your report moving immediately.
Understanding ALTA Zoning Endorsements 3.0 and 3.1
Lenders frequently require ALTA zoning endorsements as a condition of financing. Here’s the difference:
ALTA Form 3.0 Endorsement confirms that the property’s current use is a permitted use under applicable zoning laws, and that the property complies with all zoning requirements including setbacks, height, density, and parking.
ALTA Form 3.1 Endorsement provides the same information as the 3.0 but is used when the property contains a nonconforming use or structure. It documents the extent of the nonconformity and the right to rebuild.
All ZoningWorx reports are prepared to satisfy both ALTA 3.0 and 3.1 Endorsement requirements, giving your title company everything needed to issue the endorsement and close the transaction.
Zoning Reports for CMBS, Fannie Mae, and Freddie Mac Loans
Commercial Mortgage-Backed Securities (CMBS) lenders, Fannie Mae DUS lenders, and Freddie Mac lenders all require zoning compliance reports as part of their underwriting process. ZoningWorx has extensive experience delivering reports that meet the specific requirements of these loan programs.
Our reports are structured to address all required zoning data points, including conformance status, permitted use confirmation, and the right to rebuild — giving your underwriting team the documentation needed to satisfy investor requirements and move toward closing.
What Happens If a Property Is Nonconforming?
A nonconforming property is one that does not fully comply with current zoning regulations — typically because the zoning code changed after the property was built. This is extremely common in commercial real estate.
If a property is nonconforming, lenders need to understand the extent of the nonconformity and the property’s right to rebuild in the event of damage or destruction. ZoningWorx clearly documents all nonconforming conditions and provides the applicable code sections governing reconstruction rights, giving lenders and their counsel the information needed to make informed underwriting decisions.
Get Started With ZoningWorx Today
ZoningWorx makes it easy to order your lender zoning report online. Simply complete our order form with the property information and our team will get started immediately. We’re available 24 hours a day, 7 days a week to answer questions and ensure your report meets your deadline.
Call us at (405) 928-9679 or complete the order form online to get started today.