[Massplanners] Friday Afternoon Q - HUD/Mortgage required zoning verifications?

[Daniel Fortier]

My practice was to answer the direct ZBL responses, district and how long
they have to rebuild if destroyed if it was proven to be the vested
structure.  We do not know if the house that exists is exactly what was
permitted so without an up to date  survey we cannot answer anything else.
So, in the end only verifying zoning district.

Dan Fortier,  AICP
Retired Planner

On Fri, Feb 16, 2024, 1:24 PM Alicia Hunt via MassPlanners <
massplanners at masscptc.org> wrote:

> Hi,
>
> I’m wondering how other communities handle these requests. I’ve seen these
> requests from other lenders, in this case we’re being told that HUD is
> requiring this information:
>
>
>
> *Zoning Information Request** - *
>
> *I am requesting zoning verification (what is the property zoned, can the
> property be rebuilt as is if destroyed, is the property legally
> conforming/legally non-conforming.)*
>
> **Please confirm any zoning violations or maps available**
>
>
>
> ****This information is* URGENTLY *needed and* REQUIRED *by *HUD.***
>
>
>
> As the City Planner I refer these to the Building Commissioner because he
> is the zoning officer in Medford.
>
> The Building Commissioner doesn’t like to respond, but points out the
> request can submit a FOIA request for the file, but that several of the
> answers are much more complex than the lender realizes, and would take
> significant effort to answer.  Some of them may also be conditional.
>
> I also note that some of the answers are actually meaningless to the
> lender.  “what is the property zoned” for example: how would they know what
> Commercial or Single-Family 2 means in our community, without a thorough
> review of our zoning? Even whether or not it can be rebuilt in the event of
> a fire is “yes, under certain conditions”
>
>
>
> How is this handled elsewhere? Does anyone know what happens if they just
> don’t get an answer?  Can they not refinance? Does it make their rates go
> up?
>
>
>
> Thanks,
>
> Alicia
>
>
>
> Alicia L Hunt
>
> Director of Planning, Development & Sustainability
>
> City of Medford
>
>
>
> She/her
>
>
>
> City Hall, Room 308
>
> 85 George P. Hassett Dr.
>
> Medford, MA 02155
>
> Ahunt at medford-ma.gov
>
> (w) 781-393-2480
>
>
>
> http://www.medfordma.org/planning/
>
> http://gogreenmedford.org/
>
> Twitter: @GoGreenMedford
>
> https://www.facebook.com/GoGreenMedford
>
>
>
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>
>
>
> *Please note: The Commonwealth of Massachusetts considers most electronic
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