Mortgage Navigator • Specialty Property

Private Roads, Easements & Access

A beautiful property can still create a collateral or title problem if legal and physical access is unclear.

What gets reviewed

Review can include recorded easements, maintenance agreements, legal access, physical access, road condition and title-insurance treatment.

Rules differ

An agency, private investor or portfolio lender may treat access documentation differently. Match the actual title facts to the actual program.

“Not agency eligible” does not always mean “not financeable.” It may mean the property falls outside a particular agency, condo-project, appraisal, or lender matrix. Private-investor and portfolio options can differ. Specialty financing is never guaranteed: property, valuation, title, insurance, zoning, occupancy, loan purpose and investor rules still control.

Agency reference points

Fannie general · Fannie special · Fannie condo · Fannie mixed · Freddie condo. These are agency reference points, not universal private-investor rules.