Every report is structured identically — cover sheet, narrative findings in HUD checklist order, photo appendix indexed by finding number, sealed certification page. An underwriter opening one of our reports for the first time can find any of the six findings in under thirty seconds.
A single page at the front of the report that contains every identifier the underwriter needs to file the document. Property identification, loan identification, HUD data plate values — pre-populated against your intake submission.
The core of the report. Six findings, in the order HUD 4000.1 II.D.4.b expects, each citing the matching handbook sub-reference, each with a stated determination, each with supporting observations.
Every one of the six findings follows the same internal structure: Finding number & title → HUD handbook reference → Determination pill (Compliant / Conditional / Non-compliant) → Supporting observation — the on-site evidence in plain language → Photo set reference (e.g., "See Photo Set 04, pages 12–13"). Same shape, every time. Underwriters learn the pattern after one file.
HUD's vocabulary, used consistently:
No "Pass" / "Fail" / "Mostly OK" language. Three pills, every finding.
Each finding header includes the matching HUD 4000.1 II.D.4.b sub-reference, so an underwriter can pull the handbook page in parallel:
Not chronological. Indexed by finding number. Photos that support Finding 04 live in Photo Set 04. An underwriter reading Finding 04 can flip to the matching photo set without scanning the whole appendix.
Pier details, footings, perimeter wall, anchor straps, frost depth verification, soil bearing test location. Wide and close-up shots; under-home shots for piers and footings.
Electrical service entrance and meter, water connection or well-head, sewer cleanout or septic tank location, HVAC unit and fuel source (propane tank, gas meter, electrical baseboard).
Close-up of the data plate showing all values legible at print resolution. Wide shot showing data plate location (kitchen cabinet, electrical panel area).
Red metal HUD certification label on exterior of each home section, close-up with label number legible. Wide shot showing label location.
Skirting (each elevation), site grading and drainage, driveway and walkway, exterior steps and landings with handrails. Any deficiencies photographed individually.
Under-home shots verifying hitch removal, axle removal (or immobilization if still in place), wheel removal. Front and rear under-frame views.
The last page of every report. A single PE-sealed determination of FHA structural compliance, with the engineer's name, license, contact information, and E&O carrier. This is the legal weight of the entire document.
Default delivery is a digitally-sealed PDF to the LO's email or your LOS portal. Wet-ink originals are produced on request — some lenders' compliance frameworks still require wet-ink for the loan file.
Cryptographically signed PDF with our P.E.'s credentials. Viewable in any PDF reader; PE seal renders inline at print resolution. Sized 8.5″×11″.
Physical wet-ink seal with embossed impression on each page where required by the lender's compliance framework. Couriered to the LO or directly to the underwriter.
We retain the sealed PDF and a courtesy paper copy for seven years from seal date. Future refi underwriters, repurchase reviewers, or HUD audits can request duplicates.
2.9% of 2025 files needed underwriter clarification. Of those, average resolution time was 48 hours from request to revised PE-sealed PDF in the underwriter's file. Here's how the revision flow works.
Across 996 reports issued in 2025, zero were rejected as non-compliant with HUD 4000.1 II.D.4. 29 needed revision; all 29 returned to Compliant after the revision cycle. Performance detail in FAQ →
Drop the property address, FHA case number, and target close. Acknowledgment within an hour. Written quote returned same business day. Sealed PDF in your underwriting file in five business days.