Some weeks have passed and an email pops into my inbox from the lender (some just don't follow the rules do they) characterizing the email as one would see an "underwriting condition" notification. Except, the appraisal has been done with a past effective date with no furniture in the photos and the presence of furniture was not an assignment requisite or stipulation. Firstly, I will forward the email to the AMC and have them decide if they want to issue an assignment to retake photos - let me see, what form does that go on? "The Move-in, Primary Residence Verification Report?" or perhaps it is a 1004D, "Compliance Inspection Report?" - The addendum would read: " Yes, the owner has completed their compliance with a condition not previously indicated a condition by the appraiser; namely, they moved into the subject house. Having seen the home again, I still don't know of a condition for which this form was necessary; however, I have included all the photos of the house retaken." Even if I wanted to go out there and get paid for my photographic skills, I don't see how I could retake the photos and put them in the old report? Why that smells of an improper action. Not much different than if the house burned down and I was asked to use the photos of the house I had from a prior appraisal. Who knows, they may have changed the house in other ways besides furniture, which may affect the value. Then I would have the problem of not recognizing something important in the appraisal that is being described by the photos. What happens if it was an appraisal in the summer and I retook photos showing snowy exteriors or snowy exteriors from interior windows. Yikes, this whole concept is more wrong the more I think about it. I think that will be my response "Wrong!, Wrong! Wrong! and by the way, that would be Wrong!" "OK, here's why it is wrong and why I can't do that......"