FHA Bedroom Egress Photo Requirement

[Tom D]

I had that recently. 3 unit row with small rooms. So taking pictures of the weird kit layouts, missed some of the appliances. Stip, were there missing appliances" Luckily, i was able to just write, every kitchen has the following appliances. Imagine 3 tenants. Would have made the owner do it, or get them. Fortunately, my written reply worked.

We have some tight bathrooms in our row homes, but i am always trying to catch part of the toilet, instead of a full bath tub photo.

In the old days, it was easier to hide those bathrooms not having a toilet, no interior photos.

 

[Webbed Feet]

You can ask the homeowner to take a picture of the bedroom with the window on their phone and text it to you - since you already inspected the room personally.

and so can the reviewer and underwriters...

 

[Webbed Feet]

Just send the picture..... if you don't have the interior one, send the photo of bedroom 3's window from the exterior.

Should be easy...... unless it's not a bedroom.

Perhaps you should volunteer to drive to Arkansas and do it for him... Should be easy.....

 

[glenn walker]

Do you think reviewers talk amongst themselves....
Asking why are appraisers so lazy/careless for missing items....

I think it's Flacco who said he takes multiple shots/angles of each room....
Everyone should be doing the same....

Digital is free always good to take more than one. And yes there are apprasers who do hide things they don't want to deal with...lol

 

[Fernando]

I prefer the human element. If I hire a licensed professional that I respect and trust, I don’t need to see a photo of a toilet to know there’s one there if he’s calling in a bathroom.

The fact is lenders don't trust appraisers. Never have since appraisers caused the harm and losses done to lenders from the Great Recession. Appraisers no good.

 

[Webbed Feet]

The fact is lenders don't trust appraisers. Never have since appraisers caused the harm and losses done to lenders from the Great Recession. Appraisers no good.

Incorrect. THE FACT is it was the lenders that harmed themselves and caused their own losses during that recession. Nobody forced them to do business with the entire parade of people they did business with from mortgage brokers to appraisers, to home inspectors, and finally with borrowers they never should have financed in the first place. So make sure the blame goes where it belongs, the greed of keeping lending pipelines full and booming without regard for the dangers taken in order to do so.

 

[glenn walker]

Be thankful without the scope creep there would be 75% less appraisers. Scope Creep is what kept the party going this long. Just creating new forms will give many a few more years as many old curmudgeons, between the new forms and toilet photos will crack up and quit.

 

[Sandra Koutsopoulos]

In 2004, I was chatting with another local appraiser about all the new big house construction in the area, where they were doing loans to virtually anybody who could fog a mirror, and we speculated that those were time-bomb loans. And they were. No Income No Asset, No money No Problem, 0% interest for 1st 3 months then adjust the rate every quarter.... Gives me shivers thinking about those loan products that were so insane, and created to go "BOOM!" Wasn't it the result of a huge dump of money from Chinese investors of something like that? My rememberer is trying to forget about that period.