About
These are evaluations primarily for the mortgage lender as a condition of the sale, but we also conduct these inspections at the owner's or buyer’s request. The department does not require these inspections. The purpose of the loan approval inspection is to determine if the system is adequately sized and if it is functioning properly.
If there is no permit on file, or if it is an old permit that needs to be updated (no diagram of the system with the original permit) a Statement of Existing form must be filled out and notarized with the size, type and location of the septic system. This is very important because this, the pumping receipt, the field observations are what the loan results are based on.
There may be situations, such as unpermitted systems or number of bedrooms has increased, where the Department may require soils evaluation or portions of the septic system be exposed for proper evaluation to determine compliance with the current regulations.
A water sample may or may not be collected depending if the home is on a well or domestic water. There is an additional charge for this. After the documents are received an inspection is scheduled. There again, this depends on whether a water sample must be collected (24 hour incubation time). No loans with waters are scheduled for Fridays and around holidays.
Checklist
- Check with the Weld County Department of Public Health and Environment to determine if a permit is on file (970) 304-6415.
- A pumping receipt within the last two or four years (new loan or refinance, respectively) showing the gallons pumped from the septic tank. The septic tank must be pumped by a septic tank cleaner licensed by the Department. The septic cleaners will also inspect the tank and complete an inspection checklist providing information on the tank capacity, tank construction and condition.