Mortgage Review (Property Transfer Inspection)
A Mortgage Review (also called a Property Transfer Inspection) is an optional service that helps verify the condition of existing water and wastewater systems, including septic systems, for real estate transactions.
Mortgage reviews are not required by law, but are commonly requested by lenders as part of the home sale or refinancing process. YHD staff review available records and may conduct an on-site inspection, depending on the property and the lender’s requirements.
How to Apply
Use the resources below to apply for and complete a Mortgage Review:
Important Update:
Starting February 1, 2027, a Property Transfer Inspection will be required for the sale of any property with a septic system. For more information about code updates, view Key Draft Rule Changes from the Washington State Department of Health.