I'm guessing this isn't possible but figure someone on here would know.

I'm purchasing a vehicle from out of state. My lender won't fund until the vehicle has passed a Texas inspection and titled.

Is it possible to have a vehicle get a Texas inspection by someone out of state? If that's possible I can get it titled while in the other state and have my lender fund it.

The only thing I've seen even close is when my kid had a vehicle out of state, and it was time to renew. I don't recall if I had to sign something, but I just told the county office it was in Mississippi, and they let me renew registration, and gave me three days to inspect after returning to Texas.

My guess is they will do the same with you. Go down to the county tax office and ask.

I've also bought a vehicle in Texas that needed repair. They allowed me to transfer title without registration.

And it sounds like your lender is the problem, not the state

https://www.txdmv.gov/motorists/buying-or-selling-a-vehicle/out-of-state-and-foreign-vehicles

Quote:

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vehicle must be titled in your name within 30 days of the date of sale to avoid delinquent transfer penalties. Additionally, you must register the vehicle within 30 days of bringing the vehicle to Texas, and the vehicle must pass a Texas inspection before it can be registered. After having it inspected, take the following to your county tax office to title and register the vehicle:

Proof of Inspection (Vehicle Inspection Report)
Proof of liability insurance meeting State of Texas minimum requirements
The vehicle's odometer reading if it is required
An original out of state title or other valid ownership evidence
Proof of sales tax payment or current foreign/military ownership document
Completed Application for Texas Title and/or Registration (Form 130-U)
The following fees:
Registration fee (base fee of $50.75 for passenger vehicles and light trucks),
Title application fee of $28 or $33, depending on the county,
State portion of the vehicle inspection fee (up to $30.75)
Local county fees (up to $31.50)
6.25% vehicle sales tax,
$1 Insurance verification fee
$4.75 processing and handling fee

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I've seen that if the vehicle is already registered in Texas then you can still re-register without a Texas inspection but you're required to do so when the vehicle is back in the state.

I'm trying to figure out if it's possible to get a vehicle titled in another state inspected and registered in Texas before it leaves that state. This is definitely lender related as it's their requirement.

I've looked at reciprocity inspections and that doesn't seem to exist.

Yeah, kind of beyond my experience. I still say go to the county tax office if you can and ask for their help. Mine is always friendly and helpful. But then, I'm in the Panhandle and the county seat is under 20,000 people.

I'm 99.99% sure you aren't going to get an inspection from another state that works for your purpose.

This may come down to finding a lender who is more interested in your business.

Or do a Dave Ramsey and pay cash.

Can you finance where you're purhcasing it and then just turn around and do a quick refi once you get it in the state and inspected? Or is this a private party purchase?

It's a private party used purchase and the lender is giving a pretty remarkable rate. I'm fine figuring out if there's a way to work with their conditions. They did say we can pay cash and then fund us directly once the vehicle is inspected and titled in Texas. That's what we'll likely do but I'd rather use their money from the start if possible.

I'm in Harris County so the thought of going into the tax office makes me ill. I'm pretty sure it's not possible but since TexAgs knows stuff I figured I'd give this forum a shot.

This lender is half of Lightstream's rate and almost 1/3 of Woodside's.

Chewy said:

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This lender is half of Lightstream's rate and almost 1/3 of Woodside's.

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Is it worth it if you can't get the vehicle?

If the vehicle meets the requirements for the state it's currently registered in, and is current on its paperwork, your lender should have no problem with this. If they do, find another lender.

Yeah, I'm with the "get another lender" crowd. But if you're stuck on using them, do as suggested above. Buy the car using another lender, get it to Texas and get it titled. Then you can pay off the first lender and use the one you want.

I can pay cash for the vehicle. The next best lender would cost me at least twice as much in interest payments over the life of the loan. Not sure why I would want to do that.

I'm just trying to take advantage of a really low interest rate and keep my cash.

If I can find a way to remote inspect the vehicle I can do that.

Makes it even simpler. Buy it for cash. Get it to Texas. Get the title/inspection/registration. Get the loan.

I'd say the simplest process is relative to the possibility of doing a remote Texas inspection. If that's easy enough to do (which I admit doesn't seem possible at this point) then the easiest is path is to do that and have the lender fund the seller directly. Just like most vehicle lending scenarios.

I don't really want the financial details of a vehicle I'm considering purchasing on a public message board for a host of reasons. I've built the spreadsheets and confident I'm making the smartest financial decision based on the vehicle and lenders available.

Truth be told the lender has a valid argument. If the vehicle can't be titled and registered in Texas then it's worthless to us. I'm a Texas resident that plans to use it here and they're a small Texas lender that has no interest in owning the vehicle. Maybe their rate is the lowest because they've mitigated the risks the best. Last thing they want is the title to a vehicle they can't get registered in the only state they lend in.

I'm buying the vehicle sight unseen and confident it'll pass inspection but the lender has a valid concern. I've done my research, looked at photos, and talked to the seller. I'm confident it'll pass a Texas inspection but don't really know until a Texas inspection is done. It has a clear title in Cali so it's really reasonable to think it'll have no issues passing inspection in Texas. Especially the condition it's in.

Maybe the lender is the smart one here that doing some due diligence on a Texas inspection is warranted before something else from Cali comes to the great state.

So I'm willing to do a little due diligence to see if it can be done. Last thing we want is something from Cali that has no value in Texas.

There are certainly inspection shops that will get you inspected under the table. That's what I would do.

Well, since it's impossible to do a Texas inspection in another state, I don't see how that is the simplest solution.

If you can cash flow it, buying it, then getting a loan on it after it is registered and such seems simple to me.

robertcope said:

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There are certainly inspection shops that will get you inspected under the table. That's what I would do.

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I'm certainly aware of shops that aren't very rigorous in their inspections. But I've never tried to get one to do an inspection on a vehicle that isn't in their shop. Little hard to scan in the bar code from three states away. I guess you could see if they could scan a photo of the VIN bar code.

I bought a car that was registered out of state several years ago and I had to get a signature loan until it was titled in TX before converting the loan to a car loan. Slight inconvenience and I had to do the title transfer.

Maybe you can do this or pay cash.

Chewy said:

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This lender is half of Lightstream's rate and almost 1/3 of Woodside's.

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Who is your lender?