If you are in the following states,
- Maryland
- New Jersey
- Pennsylvania
- Rhode Island
- Connecticut
- Delaware
- Massachusetts
And you already started a refinance or purchase transaction, if the appraisal already done, most lenders will ask the appraiser back to your property to do a 442 completion report to make sure the property is ok.
Check with your agent whether 442 is needed if you have a loan in progess, so your closing will not be delayed.