Construction Draw Inspections for Banks & Lenders
Third-party construction draw inspection serving lenders, banks, and builders across Montgomery, Philadelphia, Bucks, Chester & Delaware counties. Bob personally performs every site visit — InterNACHI-certified, 20+ years of construction and lending experience, 24-hour photo reports. One inspector, one point of accountability. Call 610-348-6728.
For Banks & Lenders
What Is a Construction Draw Inspection?
A construction draw inspection is a third-party site visit that verifies construction progress before a lender releases the next installment of funds. Before each "draw" is approved, an independent inspector photographs the site, evaluates the work completed, and confirms that progress matches the builder's draw request.
This protects the lender's collateral, ensures funds are being used as planned, and gives borrowers confidence that their project is on track. Most residential construction loans require 4 to 6 draw inspections — one at each major milestone.
Progress Verification
On-site evaluation of work completed vs. what's claimed on the draw request. Percentage-of-completion assessment at each milestone.
Photo Documentation
Comprehensive photographic record of all visible construction progress, materials on site, and current conditions — delivered in your report.
Quality Assessment
Visual evaluation of workmanship quality at the current stage — identifying potential code concerns, safety issues, or scope changes.
Budget & Timeline Review
Assessment of whether construction is proceeding on schedule and funds are being applied consistently with the project plan and draw schedule.
Red Flag Identification
Early detection of work stoppages, material shortages, subcontractor issues, or discrepancies between claimed and actual progress.
24-Hour Report Delivery
Detailed inspection report delivered within 24 hours of the site visit — often same-day — so fund disbursement decisions aren't delayed.
The Process
How Do Construction Draw Inspections Work?
Builder Submits a Draw Request
The contractor completes a phase of work and submits a draw request to the lender for the next installment of construction loan funds.
Lender Orders an Inspection
The bank contacts Bob to schedule a third-party site visit. Inspections are typically scheduled within 24-48 hours of the request.
On-Site Verification & Report
Bob visits the site, photographs all progress, compares work to the draw schedule, and delivers a detailed report within 24 hours — so the lender can approve or hold the draw.
Why Choose Bob
What Sets All Seasons Draw Inspections Apart?
InterNACHI Certified
InterNACHI Certified Professional Inspector (CPI) — the credential banks and lenders look for when selecting a qualified construction inspector.
Single-Inspector Accountability
No rotating crews or dispatch lottery. Bob personally handles every inspection — your lender gets the same experienced inspector every time.
20+ Years Local Experience
Two decades of inspecting properties across the Greater Philadelphia region. Bob knows local building codes, construction patterns, and common issues inside and out.
Fast Turnaround
24-48 hour scheduling. Reports delivered within 24 hours of the site visit — often same-day. Your projects stay on schedule because the inspection never becomes the bottleneck.
Our Clients
Who Uses Construction Draw Inspection Services?
All Seasons provides construction draw inspections for a range of lending institutions and construction professionals throughout the Greater Philadelphia region.
Community Banks & Credit Unions
Local lenders issuing residential construction loans who need a trusted, local inspector they can call directly.
Regional & National Banks
Mid-size and large institutions with construction lending departments seeking reliable local coverage in the Philadelphia market.
Mortgage Companies
Lenders offering FHA 203(k) renovation loans and other construction-to-permanent financing that requires progress verification.
Private & Hard Money Lenders
Private lenders funding fix-and-flip projects and renovation loans who need independent verification that funds are being applied properly.
Where We Serve
Where Does All Seasons Provide Draw Inspections?
Bob provides construction draw inspections throughout the Greater Philadelphia region — covering 5 counties and 56 communities across southeastern Pennsylvania.
Montgomery County
Philadelphia County
Bucks County
Chester County
Delaware County
Common Questions
Draw Inspection FAQs
A construction draw inspection is a third-party site visit ordered by a bank or lender during the construction loan process. Before a lender releases the next installment (or "draw") of funds to a builder, an independent inspector visits the site to verify that construction progress matches what the builder has claimed on their draw request. This protects the lender's investment and ensures funds are being applied properly.
Most residential construction loans require 4 to 6 draw inspections — one at each major milestone before the next disbursement of funds. The exact number depends on the loan structure and the lender's requirements. Common milestones include foundation, framing, rough-in (electrical/plumbing/HVAC), insulation/drywall, and final completion.
Draw inspections are typically paid by the borrower (added to closing costs) or absorbed by the bank as a cost of lending. In either case, the bank or lender selects the inspector. The cost is a small fraction of the construction loan amount and provides significant risk mitigation for all parties involved.
Bob typically schedules draw inspections within 24-48 hours of receiving a request. Reports are delivered within 24 hours of the site visit — often the same day. This fast turnaround means the inspection never becomes the bottleneck in your disbursement process.
All Seasons provides draw inspections for new residential construction, major renovations, home additions, and projects funded through FHA 203(k) renovation loans. If a lender is financing construction or renovation work and needs independent progress verification, Bob can help.
Each report includes comprehensive photo documentation, a percentage-of-completion assessment, comparison of actual progress to the draw request, evaluation of workmanship quality, notes on materials stored on site, identification of any red flags or concerns, and a clear recommendation regarding the draw approval. Reports are delivered digitally within 24 hours.
Start a Relationship
Reliable Draw Inspections for Your Construction Portfolio
Call Bob directly to discuss your draw inspection needs, or fill out the form. Same-day response for lending institutions.