FHA Photo Requirements

[RSW]

It would appear to me that "Photo Issue's" are out of control; if all the other photo's of the Garage have been included, how in earth does a missing Front Garage photo provide "contributory value" ?? I am truly stumped on that one.

Duh! The photo does not add contributory value. The presence of the garage may. Would you take a photo of a house from the interior and not of the exterior? How does the lender and the FHA know what the exterior of the garage looks like without a photo?

 

[jay trotta]

Duh! The photo does not add contributory value. The presence of the garage may. Would you take a photo of a house from the interior and not of the exterior? How does the lender and the FHA know what the exterior of the garage looks like without a photo?

U were the one who brought up "contributory value".....Duh !! so are U saying the other photo's of the Garage, are insufficient to provide for a contributory value analysis ??

 

[Carlos Danger]

Next time take more photos than you need.

 

[Terrel L. Shields]

Jeez...your mistake, not theirs. Fix it. This thread is longer than it'd take to drive back. I've driven back 40 miles to get a comp shot because some teenagers were sunbathing in the yard....not taking that shot!

 

[Tom D]

you don't remember taking the picture? but it was soo fuzzy. so you called the owner, told them about the fuzzy picture and have them send it to your phone. the cert page only says you drove by the comps. no USPAP rules saying you have to take photos of anything. and don't ever forget the picture of patio, garage, deck, outhouse for FHA. i don't think they care who took that 'current' picture because you were there. they just don't want old photos. now you know how the rules work before you send that report in. anyway, normally don't you get the front of the garage when you take the interior shot? you don't need to go that far inside. and silence is golden.

 

[samc6782]

Jeez...your mistake, not theirs. Fix it. This thread is longer than it'd take to drive back. I've driven back 40 miles to get a comp shot because some teenagers were sunbathing in the yard....not taking that shot!

The point here is that I did not make a mistake per the handbook. I kind of made a mistake in not taking too many pictures, but not taking photos that are not required by the handbook do not constitute a mistake that I should be jumping to correct.

Again, I have photos of the inside, side, and rear of the garage. I just omitted to take a picture of the front.

If this were an AMC "requiring" it despite it not being in their requirements, everyone would be telling me to tell the AMC to pound sand.

 

[RSW]

U were the one who brought up "contributory value".....Duh !! so are U saying the other photo's of the Garage, are insufficient to provide for a contributory value analysis ??

Not at all. Don't read more into a post than is there.

 

[Evincere]

you don't remember taking the picture? but it was soo fuzzy. so you called the owner, told them about the fuzzy picture and have them send it to your phone. the cert page only says you drove by the comps. no USPAP rules saying you have to take photos of anything. and don't ever forget the picture of patio, garage, deck, outhouse for FHA. .

And don't forget the inside of storage sheds as well.

 

[Evincere]

Again, I have photos of the inside, side, and rear of the garage. I just omitted to take a picture of the front.

If this were an AMC "requiring" it despite it not being in their requirements, everyone would be telling me to tell the AMC to pound sand.

Are you saying you do not have a front picture of the house, is that correct? If so, and I I were an UW I would tell you to either go get a picture of the front of the house or go pound sand waiting for your fee. An appraiser complaining because an UW is insisting on having a front view of the Subject is about the funniest thing I have read on this forum.

 

[Restrain]

We always shoot the house, garage, and garage interior because one client wants it. So we provide it on EVERY report. Just part of the photo package. As you have learned, always take more than you need because you never know. We got dinged once because we didn't photo the pop-off valve on the HWH even though we inspected it.