How it works.

Three steps from your lender's request to a signed report. You know the scope and the fee before the first one costs you anything.

1
Send what the lender asked for

Their wording, the property address, and your closing date. If you only have it by phone, ask them to put it in writing.
Lenders name these reports differently, so we confirm which one is being asked for before anything is booked.
2
The engineer visits

A licensed Professional Engineer inspects the home and its foundation in person.
Someone has to provide access, including under the home. It does not have to be you.
3
You get it in writing

A signed report with what was observed, photos, and the engineer's conclusions. Anything that needs correction is stated plainly.
It arrives as a PDF you forward to your loan officer. The lender reviews the whole file and makes the decision.

What to have ready

None of it is required to start. All of it saves time. What to ask your lender first.

The lender's request, in writing. Their words, not a summary.
Property address and state. The report is sealed for the state the home sits in.
Your closing date. So the visit can be planned around it.
Home identification. Photos of the data plate and the exterior HUD labels.
What has changed. Additions, decks, porches, or a move, with dates if you know them.
An access contact. Who can let the engineer in and under the home.

Knowing the limits helps you line up the right people.

The engineer reports on the home. Your lender decides the loan.

The appraiser reports on value. The engineer reports on structure.

If something needs fixing, you choose the contractor. That is why the opinion is independent.

Send the address and a few details. A licensed engineer replies within one business day.