The T-47 survey affidavit continues to be a source of discussion. The seller who signs a T-47 affidavit is affirming that there have been no changes to the property since the date of the survey, not the date they acquired the property. The seller needs to carefully review the existing survey to see what’s been added: new structures, garages, swimming pools, or other permanent structures. They will also know if there have been location changes to fences or new construction projects encroaching onto the property by the adjoining property. It is equally important for the seller to complete the T-47 affidavit. If we know upfront about these changes, we can often get them approved for the lender’s title policy. However, that is not the case with the owner title policy’s survey amendment that may be required under the contract. You don’t want to find out at the closing table that a new survey is required because the seller did not complete the T-47 affidavit and was aware of changes to the property that were not disclosed.