Clear the engineering condition.
Send the condition as underwriting wrote it. A licensed Professional Engineer confirms which report answers it, inspects the property, and seals a document written for the person reviewing the file.
- Who it is forLoan officers, processors, underwriters, and title teams
- Loan typesFHA, VA, USDA, and conventional
- WhereMissouri, Arkansas, Illinois, Kansas, Iowa, Nebraska, Indiana
- DeliveryA sealed PDF, sent to the borrower and to you when they authorize it
Which report answers which condition
Lenders word the same request many ways. These are the ones we see most. When yours reads differently, send it and we will tell you.
What to send
A complete request gets a firm answer on scope the first time. The full checklist.
- The condition, word for word. Not a summary of it.
- Property address and state. The report is sealed for the state the home sits in.
- Loan type and closing date. The standard the report is written to depends on the program.
- Home identification. Photos of the data plate and the exterior HUD labels, when it is a manufactured home.
- What already exists. An earlier engineering report, the appraisal page that raised the item, installation records.
- An access contact. Who can let the engineer in, including under the home.
What the report does and does not do
It documents the property
What was observed, the standard it was compared against, and whether it meets it. When it does not, the corrections are listed.
It does not decide the loan
The engineer reports on the structure. Eligibility and approval stay with the lender, who reviews the whole file.
It does not replace other records
A foundation report is not an appraisal, an affidavit of affixation, or a replacement for a missing HUD label.
Guides for loan files
Send these to a borrower who asks what the condition means.
A file waiting on an engineer?
Send the address and a few details. A licensed engineer replies within one business day.