PFGMH + AFX SETTLEMENT-OPS DESK MO · AR · IL · KS SCAPULAR ENGINEERING →
PROCESS / 10-BUSINESS-DAY STANDARD

From order to recorded, in ten business days.

The full settlement-package workflow. What you submit, what we do, what comes back to your title file — mapped to each day of the standard track.

01
Order received
Same-day ack
02
Field visit
Days 2–3
03
Cert sealed
Days 4–5
04
Affidavit drafted
Days 6–7
05
Recorded
Days 8–9
06
Package out
Day 10
01

Standard 10-business-day track

~90% of orders
Step01

Order & title commitment received

Title agent (or homeowner direct) submits the order. Required: property address, target close date. Helpful: title commitment, FHA case № or loan №, lender contact. Acknowledgment within an hour, written quote same business day.

Day 1Order received
Step02

Site visit scheduled

Field visit scheduled with homeowner (or dealer if vacant lot). Standard window is 48–72 hours from order. Rural sites or weather may extend. Scapular Engineering, P.E. personally walks the foundation — under-home photography, HUD identifier capture, anchor observation.

Days 2–3Field visit
Step03

Foundation cert drafted & sealed

PE-sealed certification to PFGMH § 3. All six sub-sections addressed with photo cross-references. Engineer's seal applied, license number and state verified, $2M E&O carrier disclosed on the cert page. Cert delivered as PDF preview for title-agent review same day it's sealed.

Days 4–5Cert sealed
Step04

Affidavit drafted & notarized

State-specific affidavit form drafted with HUD identifiers and legal description verified against title commitment. Borrower notarization coordinated — mobile notary dispatched to borrower's location, borrower visits our office, or settlement agent's in-house notary used (whichever moves fastest for the close date).

Days 6–7Affidavit ready
Step05

Recorded with county

Affidavit filed at the county recorder for the parcel. E-recording counties: BK / PG returned same day. Paper-only counties (mostly rural AR, KS): 1–2 business days for the recorded copy to come back. Recording fees included in the package price — no surprise charges at close.

Days 8–9Filed
Step06

Settlement package delivered

Complete five-file package delivered to title agent: PE-sealed cert, recorded affidavit copy with BK / PG indicia, conversion confirmation memo, ALTA-ready exhibit, title-retirement guidance. All files cross-referenced so any reviewer can trace cert finding to affidavit recording.

Day 10Delivered
02

Rush 5-business-day track

+$275 expedite fee

Available when the close date won't accommodate the standard 10-BD track. 5 business days, order to recorded, with a $275 expedite fee added to the standard package. Field visit moved up, cert and affidavit drafting parallelized, recording prioritized. Subject to county recorder hours — paper-only rural counties may not support 5-BD due to recording lag.

Partner-tier rush slots

Title agencies running 5+ conversions per quarter get pre-reserved rush slots monthly at no expedite premium. Request partner-tier review.

Rush01

Order placed by 4 PM CT

Field visit scheduled same week — 24-hour turnaround on field-visit appointment confirmation.

Day 1
Rush02

Field visit + cert drafting

Field visit completed; cert drafting and affidavit drafting run in parallel rather than sequentially.

Days 2–3
Rush03

Notarization + recording

Mobile notary dispatched same day affidavit drafted. Recording filed same day notarized (e-recording counties).

Days 4–5
Rush04

Package delivered

Settlement package delivered Day 5 evening. Recorded affidavit copy with BK / PG attached.

Day 5
03

What you provide

Faster turnaround = better intake

The order can be placed with just an address, but turnaround compresses materially when these items come in with the order. Most title agents include them by default.

REQ 01
Property address

Full street address with city, state, ZIP. Always required.

RequiredAlways
REQ 02
Target close date

Helps schedule field visit and confirms standard vs. rush track is appropriate.

RequiredAlways
OPT 01
Title commitment

Legal description, parcel ID, and existing exceptions. If included, saves 1–2 days in affidavit drafting since legal description doesn't need to be re-pulled.

OptionalSpeeds 1–2d
OPT 02
FHA case № or loan №

For lender-side orders. Ensures cert format matches the underwriter's expectations.

OptionalFHA orders
OPT 03
Certificate of origin

If the home is new construction or the manufacturer's certificate is available, HUD identifiers can be verified pre-visit.

OptionalNew installs
OPT 04
Existing PFGMH cert

Only relevant for affidavit-only orders where another PE has already certified the foundation.

OptionalAffidavit-only
04

Variables that extend timeline

Edge cases · ~10% of orders

Most orders run the standard 10-BD track. Specific situations extend it — we flag these on the written quote so title agents can plan around them.

+2–5 days

Foundation remediation

If the field visit finds deficiencies (settled piers, missing anchors, skirting failures), we issue a remediation report and re-inspect post-repair. Coordinated with the homeowner's contractor.

+1–3 days

Paper-only recorder

Some rural recorder offices in AR and KS don't support e-recording. Affidavit is filed in person; recorded copy returns 1–3 business days later.

+3–7 days

Missing HUD identifiers

If the data plate or cert label has been removed or destroyed, we coordinate HUD label replacement through the Institute for Building Technology and Safety (IBTS). Required before recording.

+2–4 days

Title-commitment delays

If the title commitment isn't issued by Day 5, the affidavit can't be finalized. Most often a closing-side timing issue, not ours.

Start an order. Recorded in 10 business days.

Drop the property address, target close date, and title commitment. Acknowledgment within an hour. Written quote same business day.