Homeowners Reaction to Interior Photos

Discussion in 'General Appraisal Discussion' started by Ariba, Oct 17, 2010.

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  1. Ariba

    Ariba Senior Member

    0
    Feb 8, 2004
    Professional Status:
    Certified Residential Appraiser
    State:
    Colorado
    With the Fannie Mae announcement that they require specific interior photos of: the kitchen, all bathrooms, and main living areas, when you set-up the appointment do you, as an appraiser, give a heads-up to the homeowner? Have you received any feedback from the homeowners about taking photos? How about sensitive areas; gun room, safe room, hiden room, etc.

    The reason that I am asking is that many of the homeowners are embarrassed about the condition of their home and said that they would have clean the mess if they knew I was going to take pictures.

    I always take photos of every room including bedrooms, basements, garage, deferred maintenance, etc. So far I have not encountered any problems.
     
  2. Thomas Fiehler

    Thomas Fiehler Senior Member

    2
    Jun 2, 2003
    Professional Status:
    Certified General Appraiser
    State:
    Ohio
    I also take photos of every room and when I call to schedule the appointment I let the people know that I will need to come inside, tour the house and photograph EVERY room. That cuts down on surprises.
     
  3. CANative

    CANative Elite Member

    33
    Jun 18, 2003
    Professional Status:
    Certified Residential Appraiser
    State:
    California
    I don't give them a heads up. Even during the inspection. After measuring and photographing the exterior I do the interior inspection drawing the walls, labeling rooms, writing down notes, etc. When I'm done I take a second walk through taking photos real fast. They don't have time to get upset (at least while I'm there.)

    :icon_mrgreen:
     
  4. Jo Ann Meyer Stratton

    Jo Ann Meyer Stratton Elite Member

    8
    Jan 16, 2002
    Professional Status:
    Certified Residential Appraiser
    State:
    Arizona
    I have been taking interior photos ever since I got a digital camera that would hold more than 30 photos (my first digital camera), I never have had a home owner object, although they do mutter about wishing that were better housekeepers. I also tell them that only some of the photos will be in the final report, they rest are for my file because I have to able to answer questions five to seven years from now about the property.
     
  5. Denis DeSaix

    Denis DeSaix Elite Member

    44
    May 16, 2005
    Professional Status:
    Certified General Appraiser
    State:
    California
    I have a pre-printed notice which I hand out when I inspect the property. It is one page and has two components.
    The first component describes the GSE requirements for photos. I write that I will not take the photo if borrower directs me not to, but such action may impact the loan process (in other words, I'm not going to take an interior photo when the owner tells me "no"; but the owner is on notice that without the photo, the loan process may be stopped).

    The second component states that the new FINREG provides for borrowers to receive a copy of the appraisal 3-days prior to closing and if the borrower has any questions about the appraisal, they need to direct it to the lender, not call us. (This was brought up as a suggestion during Rich Heyn's presentation on the FINREG changes; I thought it was a good one and I followed the advice).

    Of course, I like to think the wording is consumer-orientated and professional, so the written style of the notice is more informative and helpful rather than a directive (you must do this and cannot do that). But, in summary, I'm communicating:
    A. I'm required to take photos. If you don't want me to, then your loan process may stop. It is your call.
    and
    B. There is a good chance you are going to get a copy of the appraisal before the closing. If you do, and see something that bothers you, there is a procedure to deal with that: that procedure is to call your lender. Do not call me because I will not be able to deal directly with you.

    So far, the reception to the notice has been neutral to favorable.
     
  6. Tom Woolford

    Tom Woolford Elite Member

    11
    Nov 20, 2005
    Professional Status:
    Certified Residential Appraiser
    State:
    Florida
    My experience exactly. I got into the habit of taking interiors on every assignment 20 years ago because I had one client that required them, and forgot half the time, so I just started taking them on all of them. The number increased with digital photos, and a lot reside in my files, "just in case"
     
  7. Brian Weaver

    Brian Weaver Senior Member

    0
    Apr 16, 2005
    Professional Status:
    Gvmt Agency, FNMA, HUD, VA etc.
    State:
    Illinois
    Face it. The ones who apologize for the mess are generally tidy housekeepers. The ones who look like they just emerged from an episode of "Hoarders"...seldom even notice the fact that the livingroom looks as if their laundry hamper exploded.
     
  8. Pilgrum

    Pilgrum Senior Member

    8
    Mar 6, 2005
    Professional Status:
    Certified Residential Appraiser
    State:
    Nevada
    I alway let them know ahead that I will be taking pictures.
    I have had them clean before my arrival and still had barely enough room to walk through. Others have apologized for needing to clean a home that was already immaculate. Then there was the one I was unable to get past the front door because of the smell.
     
  9. Dean

    Dean Senior Member

    3
    Oct 16, 2003
    Professional Status:
    Certified Residential Appraiser
    State:
    Tennessee
    I've never given a heads up and have never in 12 years had anyone object to me taking pictures.
     
  10. ZZGAMAZZ

    ZZGAMAZZ Senior Member

    0
    Jul 23, 2007
    Professional Status:
    Certified Residential Appraiser
    State:
    California
    duplicate10
     
    Last edited: Oct 17, 2010
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