FANNIE MAE DUS FREDDIE MAC CMBS HUD/FHA

Seismic risk reports that close on time.

Not sure if your deal triggers the requirement?

Check any property instantly, free. Live USGS hazard data, 0.15g PGA (10% in 50 years) screening flagged automatically. No account needed.

We deliver PE-stamped ASTM E2026-24 assessments for agency, CMBS, and life-company loans — Level 1 reports PE-reviewed and stamped 5 business days after the site visit.

Or call us directly: (510) 288-9352 · Mon–Fri 8am–5pm PT

Same Day
Inquiry response (Mon–Fri)
3 Levels
Level 0, Level 1, Level 2
ASTM E2026-24
Current standard
PE-Stamped
California-licensed Civil Engineer (PE)

Order early so the report never holds up your closing.

Refinancing and acquisition timelines are tight. Order your seismic report early so it does not hold up underwriting.

Refinancing? Our CRE refinancing service delivers PE-reviewed and stamped Level 1 SRA reports 5 business days after the site visit.
GET STARTED NOW · DEAL-STAGE INTAKE
Already mid-deal? Skip the tour and put it in the queue.
Address, building type, replacement value — we respond the same business day (Mon–Fri) and start the USGS data pull.

Seismic reports shouldn't hold up your loan closing.

We built SeisQuake around a defined team workflow — intake, hazard analysis, field assessment, analysis, and PE review and stamp — with committed turnaround times and direct engineer access.

What you getSeisQuake
Inquiry responseSame business day (Mon–Fri)
Level 0 desktop assessment3 business days from complete data
Level 1 with Field Assessment5 business days after site visit
Level 2 Detailed EngineeringQuoted per project
Field assessment coverageSan Francisco Bay Area and Southern California
PE-stamped✓
ASTM E2026-24 compliant✓
Direct PE access✓

Three assessment levels. Choose what your lender requires.

Full comparison: Level 0, Level 1, and Level 2 assessments.

Level 0Pre-Underwriting Screening
3 business days from complete data · Records-based desktop assessment
  • Full ASTM E2026-24 Level 0 desktop scope
  • USGS seismic hazard data (PGA 10%/50yr, Ss, S1, site class)
  • Nearest active fault identification and distance
  • Liquefaction and landslide susceptibility from published mapping
  • Building type classification and vulnerability analysis
  • SEL and SUL calculations
  • Fannie Mae / Freddie Mac requirement screening
  • PE-stamped final PDF

Best for: Owner due diligence and portfolio pre-screening.

Level 1SRA with Field Assessment
5 business days after site visit · Includes site visit
  • Everything in Level 0
  • Site visit by a Qualified Field Assessor
  • Building stability per ASTM E2026-24
  • Expanded vulnerability analysis with field observations
  • Photographic documentation of building systems
  • Analysis by our team; PE review and stamp

Best for: Fannie Mae (Structural Risk Factor properties), Freddie Mac, CMBS, and HUD/FHA submissions.

Level 2Detailed Engineering Assessment
Quoted per project · Building-specific structural analysis
  • Everything in Level 1
  • Construction document review (structural drawings, calculations)
  • ASCE 41 Tier 1 / Tier 2 evaluation or FEMA P-58 component-level analysis
  • Building-specific fragility analysis (HAZUS, SP3, or ST-RISK)
  • Detailed retrofit scoping and cost-range estimates

Best for: High-value assets, complex structural systems, retrofit decisions, or a Level 1 result that needs refinement.

Which level do I need?

Use caseRecommended tier
Owner-initiated due diligenceLevel 0
Portfolio screening across many assetsLevel 0
CRE refinancing closing in 2026 (Fannie Mae DUS, Freddie Mac, CMBS)Seismic Reports for CRE Refinancing →
Fannie Mae loan on a property with a Structural Risk Factor (Form 4099.C)Level 1 with Field Assessment
Freddie Mac loanLevel 0 or Level 1, depending on the Section 64.2(c) risk factors
CMBS or life insurance loanLevel 1 with Field Assessment — confirm with lender scope letter
High-value asset with complex structureLevel 2
Level 1 result needs refinement; retrofit decision neededLevel 2
Earthquake insurance placement or renewalPML reports for earthquake insurance
Not sure, or lender has issued a specific scope letterSend us the address and the scope letter

How we work.

01

Intake

You send the address, building type, and lender program. We confirm scope, level, and fee the same business day (Mon–Fri).

02

Hazard analysis

We retrieve and verify USGS PGA (10% in 50 years), site class, fault distances, and liquefaction and landslide mapping.

03

Field assessment

For Level 1 and Level 2, a Qualified Field Assessor visits the property and documents the structural system and site conditions. Coverage: San Francisco Bay Area and Southern California.

04

Analysis

Our engineering team performs the building vulnerability analysis and the SEL and SUL calculations.

05

PE review & stamp

The responsible PE reviews every input, calculation, and conclusion for consistency with ASTM E2026-24, then signs and stamps the report.

06

Delivery

We deliver the PE-stamped PDF by secure download — Level 1 five business days after the site visit.

What we automate — and what we don't.

We use workflow automation for the routine. Every engineering judgment, calculation, and conclusion is made by our engineering team and reviewed by a California-licensed PE. The stamp is the PE's, not the software's.

Automated

  • USGS hazard parameter retrieval (PGA, Ss, S1, site class)
  • Active fault distance calculation
  • Liquefaction and landslide susceptibility lookups
  • Report formatting and ASTM E2026-24 template compliance
  • Citation and reference management

Engineer-performed

  • Building type classification and vulnerability assessment
  • Structural system identification and weakness analysis
  • SEL and SUL calculation methodology
  • Interpretation of field observations (Level 1 and Level 2)
  • Retrofit recommendations and cost-range estimates
  • All judgment calls, conclusions, and the PE stamp

Three assessment levels, prepared to ASTM E2026-24.

Every report we deliver is PE-stamped and ASTM E2026-24 compliant. Choose the level that matches your lender's requirements and deal complexity; we offer volume and portfolio pricing on request.

Level 0
Pre-Underwriting Screening
3 business days
  • Full ASTM E2026-24 Level 0 desktop scope
  • SEL and SUL calculations
  • USGS hazard data and fault identification
  • PE-stamped final PDF

Best for: Owner due diligence and portfolio pre-screening.

Request Quote
Level 2
Detailed Engineering Assessment
Quoted per project
  • Everything in Level 1
  • ASCE 41 Tier 1/2 or FEMA P-58 analysis
  • Building-specific fragility (HAZUS, SP3, ST-RISK)
  • Retrofit scoping and cost-range estimates

Best for: High-value assets, complex structures, retrofit decisions.

Request Quote

Every tier we deliver is PE-stamped and ASTM E2026-24 compliant. We offer volume pricing for 5+ reports per month and Net-14 invoicing for volume clients; we also accept payment via Stripe.

This report isn't optional. It's written into lending guidelines.

Agency and conduit lenders set the trigger, the required level, and the report-age limit. We prepare each report to the program's requirements, and the summaries below link to each guide.

Fannie Mae DUS

Multifamily Guide Section 505 · Form 4099.C

Level 1 SRA required for properties with a Structural Risk Factor (Form 4099.C), dated within 12 months of Commitment, reporting SEL and SUL at 10% in 50 years, and meeting ASTM E2026 and E2557.

Source: Fannie Mae Multifamily Guide Section 505 ↗ · Details → · SEL thresholds

Freddie Mac CME

Multifamily Seller/Servicer Guide

Freddie Mac requires an SRA for every property with a PGA of 0.15g or more. The report is Level 0 when none of the listed risk factors is present and Level 1 otherwise. It must be dated within six months before the full underwriting package, and the lender, not the borrower, must retain the consultant (Guide Chapter 64). Send us the property and lender, and we will confirm what your loan requires.

Source: Freddie Mac Guide Chapter 64 ↗ · Chapter 31 ↗ · Details → · SEL thresholds

CMBS / Conduit E2557

ASTM E2026 / E2557 — set by each lender

Seismic thresholds and insurance conditions are set by each lender and rating agency. We prepare the report to the lender's scope letter.

E2557 vs. E2026 →

HUD / FHA MAP

HUD Multifamily Accelerated Processing (MAP) Guide

Requirements vary by program and lender. Send us the property and lender, and we will confirm what your loan requires.

Source: HUD MAP Guide (4430.G) ↗

Firm credentials and leadership.

Leadership

Our engineering is led by a California-licensed Civil Engineer (PE) with a Ph.D. in structural earthquake engineering and more than 10 years of seismic engineering experience, including seismic risk assessments for commercial, multifamily, and healthcare properties.

Firm credentials

  • California-licensed PE oversight on every report
  • Professional liability (E&O) insured
  • ASTM E2026-24 and ASTM E2557 (current edition) methodology
  • Reports formatted for Fannie Mae, Freddie Mac, CMBS, and HUD/FHA submission
  • Executive summary with SEL and SUL
  • Site description and seismic hazard analysis
  • Building vulnerability assessment
  • Loss estimation methodology
  • Site stability and liquefaction assessment
  • Retrofit recommendations where applicable
  • PE stamp, license number, date
  • Appendix: USGS hazard parameter printout
LENDER NETWORK

Approved-vendor status in progress. We are seeking approved-consultant status with agency, CMBS, and life-company lenders.

Borrowers can request us directly during underwriting, or ask their loan officer to add SeisQuake to the approved vendor roster. For Freddie Mac loans the lender must retain and direct the consultant. Reach our engineering desk at contact@seisquake.com.

Ph.D.
Structural Earthquake Engineering
10+ Years
Seismic engineering experience
ASTM E2026-24
Current standard
California PE
Licensed & E&O insured

Credentials, scope, and turnaround — in writing.

Leadership & review

  • Led by a California-licensed Civil Engineer (PE)
  • Ph.D., structural earthquake engineering
  • PE review and stamp on every report
  • Site visits by a Qualified Field Assessor (San Francisco Bay Area and Southern California)

What is included

  • SEL and SUL at the 10% in 50-year level
  • Site hazard: faults, liquefaction, landslide, site class
  • Building vulnerability assessment
  • Field assessment (Level 1 and Level 2)
  • PE stamp, signature, and license number

Turnaround commitment

Inquiry response
Same business day (Mon–Fri)
Level 0 desktop assessment
3 business days from complete data
Level 1 SRA
PE-reviewed and stamped report 5 business days after the site visit
Level 2 detailed assessment
Quoted per project

Frequently asked questions

Level 0 is a records-based desktop screening, appropriate for owner due diligence and portfolio pre-screening. Level 1 adds a site visit by a Qualified Field Assessor and is the level Fannie Mae requires for properties with a Structural Risk Factor; most agency, CMBS, and life-company submissions use it. Level 2 adds building-specific structural analysis for high-value assets, complex structures, or retrofit decisions.
Yes. We prepare every tier in accordance with ASTM E2026-24, Standard Guide for Seismic Risk Assessment of Buildings, and to ASTM E2557 where a lender requires it.
Fannie Mae requires a Level 1 Seismic Risk Assessment for properties with a Structural Risk Factor as defined in Form 4099.C (Multifamily Guide Section 505). Level 0 is suited to owner due diligence and pre-underwriting screening.
We need the property address, building type, year built, square footage, and replacement cost basis. For Level 1 and Level 2, we also coordinate site access and review any available construction documents.
How a lender responds to the SEL and SUL results depends on the loan program and the lender. We state both values in the report and include retrofit recommendations where applicable. For complex cases, our Level 2 assessment provides detailed retrofit scoping and cost-range estimates. Both agencies publish the same two lines. At 20% or less a stable building passes. Above 20%, Freddie Mac requires earthquake insurance and Fannie Mae decides case by case. Above 40%, neither takes the loan as it stands. See the 20% and 40% SEL lines explained.
Yes. We prepare PE-stamped PML and SEL reports to ASTM E2026-24 for brokers placing earthquake coverage and for lenders or borrowers meeting a loan's insurance condition. Details are on our page on PML reports for earthquake insurance.
We answer inquiries the same business day (Mon–Fri). We deliver Level 0 desktop assessments 3 business days from receipt of complete property data and Level 1 reports PE-reviewed and stamped 5 business days after the site visit. We quote Level 2 per project.
Fannie Mae requires the Seismic Risk Assessment to be dated within 12 months before the Commitment Date. Other lenders set their own age limits — check your lender’s scope letter.
We use automation for routine data retrieval (USGS hazard parameters, fault distances) and report formatting against ASTM E2026-24 templates. Our engineering team performs all judgment calls, vulnerability analysis, SEL and SUL calculations, and conclusions, and a California-licensed PE reviews and stamps every report.
Yes. We include FEMA P-58 component-level analysis in our Level 2 Detailed Engineering Assessment tier.

Order your report today.

Submit your property below. We respond the same business day (Mon–Fri), pull the USGS hazard data, and put your report into the queue.

  • ⏱
    Same business day response
    Mon–Fri, 8am–5pm PT
  • ⬢
    50% deposit via Stripe
    Net-14 invoicing for volume clients
  • @
    contact@seisquake.com
    Direct line to our engineering desk
  • §
    ASTM E2026-24
    Fannie Mae · Freddie Mac · CMBS · HUD
  • ◆
    PE-stamped
    Review and stamp by a licensed PE
  • ✎
    COI, W-9, and standard terms
    Available on request

Refinancing in 2026?Our CRE Refinancing SRA service delivers PE-reviewed and stamped Level 1 reports 5 business days after the site visit.

We respond the same business day · Mon–Fri 8am–5pm PT
Certificate of insurance, W-9, and standard terms available on request.