Walked away mid-inspection/vent

[CANative]

Welcome aboard.

 

[Delta85]

I can't believe the number of weak kneed, pansy responses in this thread. When I get to a property, it becomes an operational appraisal theater, and I am the supreme commander within that theater. The parameters of the theater of operations are defined when the appointment is set. Homeowners are told my expectations. The house and garage are to be nicely cleaned, and all possessions stored in an orderly manner. Any litter boxes must be removed from the house, and any dog feces cleared from the yard. The homeowners should be dressed in a manner respecting my professional status. No shorts, flip flops, hats, or shorty bathrobes.

Upon my arrival, they are informed they are no longer in charge. I am. They are to remain quiet and immobile unless interrogated. When interrogated, they must address me as "Sir", but only in answer to my direct questions. I am the appraiser, and do not need unsolicited commentary about the property. All computers, televisions, stereos, and telephones must be silenced. Children and dogs should be muzzled and crated. It is best if babies are removed completely from the house, as crying is unacceptable during an inspection, and often hard to control. Putting a baby in the yard is acceptable, as long as said baby is returned to the house when I head outside. They are made aware that any and all distractions may affect their value estimate. I keep a separate fielding sheet column on which I note interruptions to my inspection process.

I have a strict inspection routine. I WILL not deviate from that routine for any reason. If for some reason the routine becomes affected, I start over, and $100 is added to the appraisal fee. The routine is important to my process. The routine assures I am thorough, which assures the quality of my reports. I cannot adequately express the importance of the routine. The inspection is integral as it truly begins the appraisal process. Thus I have a routine. Which is important.

It's time for spineless appraisers to man up, even the ladies. Put the stinking homeowner in his place. Like a well trained dog, he'll actually be grateful.

Tongue in cheek....I assume.

 

[TJSum]

I can't believe the number of weak kneed, pansy responses in this thread. When I get to a property, it becomes an operational appraisal theater, and I am the supreme commander within that theater. The parameters of the theater of operations are defined when the appointment is set. Homeowners are told my expectations. The house and garage are to be nicely cleaned, and all possessions stored in an orderly manner. Any litter boxes must be removed from the house, and any dog feces cleared from the yard. The homeowners should be dressed in a manner respecting my professional status. No shorts, flip flops, hats, or shorty bathrobes.

Upon my arrival, they are informed they are no longer in charge. I am. They are to remain quiet and immobile unless interrogated. When interrogated, they must address me as "Sir", but only in answer to my direct questions. I am the appraiser, and do not need unsolicited commentary about the property. All computers, televisions, stereos, and telephones must be silenced. Children and dogs should be muzzled and crated. It is best if babies are removed completely from the house, as crying is unacceptable during an inspection, and often hard to control. Putting a baby in the yard is acceptable, as long as said baby is returned to the house when I head outside. They are made aware that any and all distractions may affect their value estimate. I keep a separate fielding sheet column on which I note interruptions to my inspection process.

I have a strict inspection routine. I WILL not deviate from that routine for any reason. If for some reason the routine becomes affected, I start over, and $100 is added to the appraisal fee. The routine is important to my process. The routine assures I am thorough, which assures the quality of my reports. I cannot adequately express the importance of the routine. The inspection is integral as it truly begins the appraisal process. Thus I have a routine. Which is important.

It's time for spineless appraisers to man up, even the ladies. Put the stinking homeowner in his place. Like a well trained dog, he'll actually be grateful.

Post of the year...

 

[Motown Matt]

I can't believe the number of weak kneed, pansy responses in this thread. When I get to a property, it becomes an operational appraisal theater, and I am the supreme commander within that theater. The parameters of the theater of operations are defined when the appointment is set. Homeowners are told my expectations. The house and garage are to be nicely cleaned, and all possessions stored in an orderly manner. Any litter boxes must be removed from the house, and any dog feces cleared from the yard. The homeowners should be dressed in a manner respecting my professional status. No shorts, flip flops, hats, or shorty bathrobes.

Upon my arrival, they are informed they are no longer in charge. I am. They are to remain quiet and immobile unless interrogated. When interrogated, they must address me as "Sir", but only in answer to my direct questions. I am the appraiser, and do not need unsolicited commentary about the property. All computers, televisions, stereos, and telephones must be silenced. Children and dogs should be muzzled and crated. It is best if babies are removed completely from the house, as crying is unacceptable during an inspection, and often hard to control. Putting a baby in the yard is acceptable, as long as said baby is returned to the house when I head outside. They are made aware that any and all distractions may affect their value estimate. I keep a separate fielding sheet column on which I note interruptions to my inspection process.

I have a strict inspection routine. I WILL not deviate from that routine for any reason. If for some reason the routine becomes affected, I start over, and $100 is added to the appraisal fee. The routine is important to my process. The routine assures I am thorough, which assures the quality of my reports. I cannot adequately express the importance of the routine. The inspection is integral as it truly begins the appraisal process. Thus I have a routine. Which is important.

It's time for spineless appraisers to man up, even the ladies. Put the stinking homeowner in his place. Like a well trained dog, he'll actually be grateful.

I really, REALLY hope this was tongue-in-cheek as suggested. If so, well done...

 

[Mr Rex]

What is your major malfunction borrower? Did your mommy breast feed you on the cover of Time when you were big enough for steak and taters?

 

[stangtime]

I can't believe the number of weak kneed, pansy responses in this thread. When I get to a property, it becomes an operational appraisal theater, and I am the supreme commander within that theater. The parameters of the theater of operations are defined when the appointment is set. Homeowners are told my expectations. The house and garage are to be nicely cleaned, and all possessions stored in an orderly manner. Any litter boxes must be removed from the house, and any dog feces cleared from the yard. The homeowners should be dressed in a manner respecting my professional status. No shorts, flip flops, hats, or shorty bathrobes.

Upon my arrival, they are informed they are no longer in charge. I am. They are to remain quiet and immobile unless interrogated. When interrogated, they must address me as "Sir", but only in answer to my direct questions. I am the appraiser, and do not need unsolicited commentary about the property. All computers, televisions, stereos, and telephones must be silenced. Children and dogs should be muzzled and crated. It is best if babies are removed completely from the house, as crying is unacceptable during an inspection, and often hard to control. Putting a baby in the yard is acceptable, as long as said baby is returned to the house when I head outside. They are made aware that any and all distractions may affect their value estimate. I keep a separate fielding sheet column on which I note interruptions to my inspection process.

I have a strict inspection routine. I WILL not deviate from that routine for any reason. If for some reason the routine becomes affected, I start over, and $100 is added to the appraisal fee. The routine is important to my process. The routine assures I am thorough, which assures the quality of my reports. I cannot adequately express the importance of the routine. The inspection is integral as it truly begins the appraisal process. Thus I have a routine. Which is important.

It's time for spineless appraisers to man up, even the ladies. Put the stinking homeowner in his place. Like a well trained dog, he'll actually be grateful.

Ha. That was enjoyable. Well done.

Dan

 

[Elliott]

I really, REALLY hope this was tongue-in-cheek as suggested.

I have a strict inspection routine. I WILL not deviate from that routine for any reason. If for some reason the routine becomes affected, I start over, and $100 is added to the appraisal fee. The routine is important to my process. The routine assures I am thorough, which assures the quality of my reports. I cannot adequately express the importance of the routine. The inspection is integral as it truly begins the appraisal process. Thus I have a routine. Which is important.

Caution: Bad words, but sung well:
Silence! The Musical: Put the F-ing Lotion in the Basket (Lego Cover) - YouTube

We don't really ever know.

 

[timd354]

Tim,


You bring up some good points, so let me pick your brain a little.


Very few appraisers I know goes into the attic or crawl space, or even takes a peek.

Since you used to work at the GSE, what is your take on the matter?

Should or must the appraiser look in the crawl space and attic?


I say yes. But how many actually do for non-FHA transactions.

Hey NC,

While the GSE guidelines do not spell out a specific requirement like FHA mandating that appraisers must inspect attics and crawl spaces, the GSEs both state that apraisers must perfom a complete inspection of the property:
Appraisals based on interior and exterior inspections must include complete visual inspections of the accessible areas of the property. (sec. B4-1.4-1.5 of the Fannie Mae Guide)
Interior and exterior inspection: The apprasier is expected to perform a complete visual inspection of the interior and exterior areas of the subject property... (sec 44.7(b) of the Freddie Guide)

My interpretation of these GSE guide provisions is that the appraiser is expected and required to visually inspect any attice and crawl spaces that are accessible (whether via a scuttle, hatch, door, stairs, etc.). In my opinion, the difference between FHA and the GSEs is not that the GSEs do not require inspection of the attic and crawl spaces when they are accessible, it is that the GSEs do not require that property be modified to provide access to the attic and crawl space if there is no access (i.e there is no scuttle, hatch, stairs or other access to the attic). FHA would require such modifications to be made and the a re-inspection of the property by the appraiser.
I believe that my interpretation that the GSEs require the appraiser to at least look (visually inspect) into the crawl space and attic is confirmed by the following requirement found in the Freddie Guide (which makes no sense unless the appraiser is expected to visually inspect crawl spaces)
If an appraiser observes conditions that require further invstigation, the appraiser must make the appraisal subject to inspection by an appropriate, licensed professions. Conditions that may require such inspections include observations of ................wet basements or crawl spaces (see sec 44.7(b) of the Freddie guide)

Please note that I am no longer a GSE employee and it is possible that the GSEs may have a different interpretation.

 

[MRB]

GSEs do not require that property be modified to provide access to the attic and crawl space if there is no access (i.e there is no scuttle, hatch, stairs or other access to the attic). FHA would require such modifications to be made and the a re-inspection of the property by the appraiser.[/FONT]

Please cite your source where FHA requires repair for a dwelling with no attic access.

 

[CANative]

Please cite your source where FHA requires repair for a dwelling with no attic access.

There is no such requirement. The requirement is that the appraiser inspect the attic. Lack of access does not make the requirement go away.