What should you send your lender about a moved home?
Send the home's history as you know it, the records you have, and a clear note of what is missing. Then ask your lender for its engineering requirement in writing, since your lender decides what it needs.
Which records help?
Gather what you have and mark what is missing:
- The current address, and the earlier installation address if it is documented.
- The manufacturer, model, manufacture date, and any identifiers on the home.
- Any transport, installation, permit, or setup records.
- Earlier engineering reports and repairs made after the move.
- Details of porches, additions, or other alterations.
- The lender's written requirement, its review contact, and your deadline.
- Someone who can give access, and any known limits on reaching areas.
How should you describe the home's history?
Write down where it sits now, where it was before if known, an approximate move date if documented, and where each fact came from. A dated installation record and "the seller thinks it moved" are not equivalent, so label uncertain details as uncertain.
Do not guess at a history that makes the transaction sound easier. A usable file is better than a tidy one.
What if you have an earlier report?
Send it. An earlier report is useful background when its property details, date, findings, and limits are available. The lender and the engineer can read what it actually says before deciding whether more work is needed.
Do not assume an old report is automatically acceptable or automatically useless. If you want to know what a new one would cover, see what is a structural integrity report.
Do you need to photograph under the home?
No. You do not need to crawl under the home or open anything up. Describe access conditions and let the engineer explain what the visit needs.
What happens after the report is done?
Send the finished report to your lender. Delivering the report and approving the loan are separate steps, so leave time for both. We cannot promise that a particular home or loan will qualify.
If the inspection finds another issue, ask the engineer what it means, what is needed next, and the fee and timing before you authorize more work.
Who does what?
The lender judges the loan and its program requirements. The engineer performs the agreed scope. The seller, installer, or title company may need to supply records. Our structural integrity report service covers the engineering side, and reports are signed by an engineer licensed in the state where the home sits.
What should you send us?
Send the current address, what you know of the move, and your lender's wording. We reply within one business day.