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Do I Have To Notify My Mortgage Company Before I Move My House?

Moving your home to a new location requires coordinating multiple parties, sometimes including utility companies and permit officers. But is it necessary to notify your mortgage company before you relocate your home?

Below we’ll answer that question and provide additional information to help you move your home with ease.

Mortgage Companies, Long-Term Relationships, and Moving Your Home

When you sign with a mortgage company, you’re usually paying your note for 15 to 30 years. Your home is a significant purchase that puts you in debt to your lender. And because you’ll be paying to your mortgage company for years, it’s important that you maintain a good relationship. Paying your note on time and notifying your mortgage company of significant, costly renovations keeps you in good standing with your lender.

When you make the decision to move your home to a new location, you’re still indebted to your lender. That is, they technically still own your home as you’re paying your monthly notes. And relocating your home to a new property doesn’t change this.

We recommend notifying your mortgage company as soon as possible during the planning phase of your house or building relocation. They are the property owners, and they need to know of any changes to your home address as it appears on your deed.

The Consequences of Not Telling Your Mortgage Company That You’re Moving Your Home

If you relocate your home or structure to a new property, you could face multiple consequences. Remember, your lender has a financial investment in your home. Until your mortgage is completely paid off, they own part of it. And because they have skin in the game, they want to know the physical location of their investment.

That’s why they’re strict about changes to your address. If you move your home without their written approval, they have the legal right to require you to pay the remainder of your mortgage immediately.

Even if your mortgage company doesn’t require you to pay in full, you will break their trust if you move your home without notifying them first. Your lenders have financed your home. Making a significant change without the courtesy of informing your mortgage company might affect your loan opportunities in the future.

Benefits of Moving Your Home

There are many reasons you might want to move your home to a new location:

  • Mitigate flood risk
  • Preserve the structure
  • Place the building in a historically accurate setting
  • Relocate to higher acreage or a different community

All the above reasons (plus more not listed) are excellent motivators for a home relocation. You can better ensure your home’s safety and value when you relocate to a new property.

As you consider relocation options, choose a moving contractor with the experience and knowledge to do the job right the first time around. DeVooght House Lifters has decades of experience relocating homes, buildings, and structures of all types. The team at DeVooght carefully plans each structural relocation project, leaving no stone unturned. They’ll ensure you enjoy a smooth, stress-free home relocation.

What to Do after Notifying My Mortgage Company?

After you’ve notified your lender that you’ll be moving your house, ask for written permission to do so. Relocating a structure of any size is a significant undertaking. You want all parties to be on board and fully informed, and you want paperwork to confirm it.

Once your mortgage company has granted approval, the relocation project can truly begin. Work with a trusted and proven moving contractor, like DeVooght House Lifters, to plan and execute your move.

DeVooght will guide you every step of the way to ensure you’ve gotten the right permits, considered additional insurance options, and are aware of the tasks you need to complete before the move takes place. Choosing DeVooght House Lifters makes the relocation process easy, and you can trust that when you work with this team, you’re in good hands.


Because your mortgage company is part owner of your home, you should notify them before moving your house to a new location. After receiving written approval, you can proceed with your move, leaving the heavy lifting to DeVooght!


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