We are in the process of obtaining a conventional loan to purchase a home. Can an appraiser make recommendations to the lender that we have repairs made before approving the loand? The appraiser put things in the report recommending repairs and an inspection. We had a full inspection done prior to the appraisal. She states that an inspection was not provided to her or was she aware of one being done. First, she never asked if one was done, second, the reciept for the inspection was sitting on the counter in the home when she appraised it. She is making accusations in the appraisal about a tree in the front yard causing potential foundation damage and that there is sloping in the floor, however, our certified inspection clearly indicates there is no significant sloping of the foundation and that give that the tree has been there for 30+ years and the house has been there for 33 years and there are no signs of foundation damage. She also indicated about a crack in the mortor on a 33 year old chimney. I understand on an FHA loan that these things would all make since, but this is a conventional with 20% down, why would she make repair recommendations? Or are there no differences in an FHA vs a Conventional Loan appraisal. When I look her up online it says she is a FHA appraiser, is it possible she did not realize this was a conventional loan?