For REO (real estate owned) visits
This checklist is for agents who take photos at REO (real estate owned) properties, which are bank-owned homes a client has assigned to them. It walks through prep, exterior and room-by-room shots and a final check, and you use it alongside the assignment’s own required photo list, not in place of it.
Write these down first
- Property reference
- Visit date and local time zone
- Visit purpose or assignment reference
- Field person
- Office reviewer, if assigned
- Approved photo destination
01Before traveling
| Confirm assignment type, authorized access and scope. | |
| Read the current required shot list and record any client-specific views. | |
| Confirm deadline, recipient, format, file-size and orientation requirements. | |
| Confirm how capture date/time must be documented; test the required method. | |
| Review prior photos and open items if this is a return visit. | |
| Agree on the field-to-office review point and contact method. | |
| Charge phone, clean lens and check storage. | |
| Take and open a test image; check focus, detail and the transfer process. |
Assignment-specific mandatory views: write in up to three before you go.
02At arrival
| Match the property to the assignment before labeling photos. | |
| Confirm safe, lawful access within the authorized scope. | |
| Document any access or safety limit and route it to the appropriate person. | |
| Establish today’s visit folder or visit identifier. | |
| Record a room/area list with consistent labels. | |
| Capture permitted property-identification and required exterior views. |
Exterior coverage to adapt, not assume
| Front overview and required angled views. | |
| Both sides where permitted and safe. | |
| Rear overview and useful rear-left/rear-right views. | |
| Separate structures identified correctly. | |
| Relevant visible conditions with location, context and detail. | |
| Required equipment exterior or label views from safe positions. |
Stop here
Do not enter restricted areas, climb to obtain a photo, open electrical equipment or operate utilities simply to complete this list.
03Repeat for each authorized room or area
Room/area label: name the area, then check each item.
| Overview establishes the location and major features. | |
| Additional view explains the layout where needed. | |
| Required features and assignment-specific views captured. | |
| Visible conditions have a context image and readable detail. | |
| Closets or storage interiors captured only if required and authorized. | |
| Under-sink or other component views captured only where safely accessible. | |
| Relevant image checked on screen for focus, light, obstruction and reflections. | |
| Notes distinguish visible observation from cause or diagnosis. |
Mark each area: Complete / Not required / Inaccessible / Missing capture. Explain any exception.
04Capture quality and integrity
| Horizontal general views used where appropriate and allowed. | |
| A wide-angle lens doesn’t make the space look bigger than it is. | |
| Required labels and small details are readable in the saved files. | |
| No finger, case, strap or reflection obscures the subject. | |
| Alternate views add useful information, not just duplicate clutter. | |
| Originals retained without deceptive changes. | |
| No fabricated date, substituted older visit photo or AI-generated condition image. | |
| Sensitive content kept out of broader selections or restricted as required. |
05Before leaving
| Compare the actual images with the current required list, room by room. | |
| Check exterior, separate structures and client-specific views. | |
| Confirm every noted condition has a usable matching image sequence. | |
| Confirm the destination contains today’s correct files; open them. | |
| Office reviewer checked the set, or solo review completed. | |
| Missing, blurred, mislabeled or unreadable images corrected where safe and authorized. | |
| Access limits and unresolved gaps documented and routed. | |
| Departure and property security handled under the assignment’s instructions. |
06Office review and delivery
| Originals stored in the correct property/visit location. | |
| Working selections map back to originals. | |
| Index includes area, subject, observation, capture visit and intended use. | |
| Evidence, broker price opinion (BPO), repair and marketing selections separated as needed. | |
| Repair before/after sets tied to the correct work item; vendor and agent sources distinguished. | |
| Recipient permissions, file requirements and privacy checked. | |
| Delivery recorded with destination, selected set and receipt/confirmation where available. | |
| Rejections, exceptions and follow-up have a named owner. |
Release record
- Reviewed by:
- Review date:
- Decision: Ready for this recipient / Hold for correction / Escalate.
- Open issue, owner and next action:
Do not mark inaccessible or unverified areas as complete. A documented exception is more useful than a checked box that misstates the visit.
KW Default Solutions. Educational checklist. Your client’s instructions control.