For mortgage loans that are current or less than 31 days delinquent at the time of the loss event, the servicer is authorized to use borrower-submitted photos and/or video, or conduct servicer-directed video calls with the borrower to document the progress or completion of repairs of the property, provided that the conditions listed in the following table are met.
|✓||The photo and/or video must…|
|Allow the servicer to determine the repairs are from the location of the property.|
|Authenticate when taken and that such photos or video were not altered in any way.|
|Clearly identify the repairs that are being documented and confirm the repairs
For more information please see: B-5-01, Insured Loss Events.