Appraiser Marked Private Septic And Well As Public

[Huds_Harm]

Well, we've been patient and tried to be helpful. But this argument you KEEP making IMHO is a non-starter. If you want to hire an attorney go ahead, but repeating the same thought here 100 times will not get your loan unfunded. I would be shocked if any court, tribunal, or board would award a dime of damages to you from the appraiser, especially when EVERYONE else knew there was a well and septic and NO ONE ordered a septic test (which likely would have passed anyway). Your lender (both the loan officer and underwriters), the seller, the agents, county engineers, and you---are all more culpable in this than the appraiser.

You still have not answered WHY this will cost $60K to repair--or if you did I missed it. Brand new systems typically cost far less than that.

Did you miss the post about the property does not meet MPR? Therefore not only would it NOT have passed the loan would have never funded. I agree the lender holds liability to ensure it's client the appraiser submits an accurate appraisal. Question have you ever not performed the MPR on an FHA appraisal? The reason for the cost is yet another thing the appraiser did not verify, room for repair or replacement. Less than an acre cannot have an aerobic system but I'm sure you know that. I'm also located on a waterway and there is a minimum distance required from that. In order to bring the property up to health and safety standards a new well will have to be dug which we have yet to hear from the sanitarian engineer if a new system is even feasible on this property so I'm not sure how the appraiser is required to do certain things on other threads.

 

[Overimprovement]

The reason for the cost is yet another thing the appraiser did not verify, room for repair or replacement. Less than an acre cannot have an aerobic system but I'm sure you know that. I'm also located on a waterway and there is a minimum distance required from that. In order to bring the property up to health and safety standards a new well will have to be dug which we have yet to hear from the sanitarian engineer if a new system is even feasible on this property so I'm not sure how the appraiser is required to do certain things on other threads.

These things are not part of the appraiser's job. They are part of the septic inspector's job.

You should dig deep and determine why a septic inspection was not ordered. Someone dropped that ball big time.

Your less than an acre comment is a local zoning requirement. That needs to be addressed with your county health department or engineer. Why was that system in place if it does not meet local codes? Again, that has nothing to do with the appraiser and NOT something an appraiser is going to be checking. Seems that IF the system is not permissible, then someone should have known that. Someone signed off on the existing system and layout. Hint, it wasn't the appraiser.

 

[Mark K]

Why do you keep coming back here if you don't like the replies? Besides, there's nothing anyone here can do for you. It seems you won't go away until someone agrees with your baseless assertions.

Since it looks like you're getting neither the sympathy you think you deserve nor the answers you like I'd suggest (again, like many other replies) talking to a lawyer. We can't help you and I think most of us are weary of your whining. And nobody has missed your pointless opinion about it not meeting MPR, how could we? You've repeated the same thing over and over and over and over. The thing is... we just don't care anymore. What are you expecting here? We can't file a lawsuit for you. Or do you think that you'll find someone here to agree with you and use this thread in court against the appraiser? Why do you continue to come here repeating yourself? You've received some good advice and you continue to ignore it.

Go to a legal forum and find an ambulance chaser. But be prepared to pay a significant retainer, up front. Most reputable lawyers will only take contingency cases when they think they have a chance of winning. When the lawyer finds out that YOU KNEW that there was a septic and YOU FAILED to get an inspection (shared liability), it's a safe bet that they'll ask for about $5,000 for an upfront retainer.

 

[Tiffany Gibbons]

Exactly I’m just looking for someone to make it right.

How about your homeowners insurance? You are the owner now, not the buyer anymore. What difference does qualifying for an FHA loan now make? I'm sure you would have thrown a fit if the appraiser had held up your financing. Thanks for reminding me why I don't do FHA's. This sure makes me wonder how those Desktop Appraisals are going to work for those smart folks at Fannie and Freddie though.

 

[Huds_Harm]

Why do you keep coming back here if you don't like the replies? Besides, there's nothing anyone here can do for you. It seems you won't go away until someone agrees with your baseless assertions.

Since it looks like you're getting neither the sympathy you think you deserve nor the answers you like I'd suggest (again, like many other replies) talking to a lawyer. We can't help you and I think most of us are weary of your whining. And nobody has missed your pointless opinion about it not meeting MPR, how could we? You've repeated the same thing over and over and over and over. The thing is... we just don't care anymore. What are you expecting here? We can't file a lawsuit for you. Or do you think that you'll find someone here to agree with you and use this thread in court against the appraiser? Why do you continue to come here repeating yourself? You've received some good advice and you continue to ignore it.

Go to a legal forum and find an ambulance chaser. But be prepared to pay a significant retainer, up front. Most reputable lawyers will only take contingency cases when they think they have a chance of winning. When the lawyer finds out that YOU KNEW that there was a septic and YOU FAILED to get an inspection (shared liability), it's a safe bet that they'll ask for about $5,000 for an upfront retainer.

I have found many threads noting what an appraiser is required to do, they're just advice from appraiser to appraiser not appraiser to buyer If you find my thread cumbersome why do you continue to read it?

 

[Huds_Harm]

How about your homeowners insurance? You are the owner now, not the buyer anymore. What difference does qualifying for an FHA loan now make? I'm sure you would have thrown a fit if the appraiser had held up your financing. Thanks for reminding me why I don't do FHA's. This sure makes me wonder how those Desktop Appraisals are going to work for those smart folks at Fannie and Freddie though.

I would have loved for the appraiser to do their due diligence in measuring the distance to sources of pollution or for the lender to have required them to.

 

[Tiffany Gibbons]

I have found many threads noting what an appraiser is required to do, they're just advice from appraiser to appraiser not appraiser to buyer

Have you tried the "Home Inspectors Forum"? This is more their thing. Every appraisal I do says I am not a licensed home inspector and perform no testing of systems or appliances.

 

[Huds_Harm]

Have you tried the "Home Inspectors Forum"? This is more their thing. Every appraisal I do says I am not a licensed home inspector and perform no testing of systems or appliances.

I have not. Do you measure minimum distance requirements and verify source of water on your appraisals?

 

[Tiffany Gibbons]

I would have loved for the appraiser to do their due diligence in measuring the distance to sources of pollution or for the lender to have required them to.

I have never done that, but I also say no survey was rendered or reviewed. If I did get a survey, I subject everything to the survey. I'm not a licensed surveyor and I don't dig wells or septic tanks up either. And you are on a waterway too? Are you in a flood zone or did you not check that either?

 

[Huds_Harm]

Why do you keep coming back here if you don't like the replies? Besides, there's nothing anyone here can do for you. It seems you won't go away until someone agrees with your baseless assertions.

Since it looks like you're getting neither the sympathy you think you deserve nor the answers you like I'd suggest (again, like many other replies) talking to a lawyer. We can't help you and I think most of us are weary of your whining. And nobody has missed your pointless opinion about it not meeting MPR, how could we? You've repeated the same thing over and over and over and over. The thing is... we just don't care anymore. What are you expecting here? We can't file a lawsuit for you. Or do you think that you'll find someone here to agree with you and use this thread in court against the appraiser? Why do you continue to come here repeating yourself? You've received some good advice and you continue to ignore it.

Go to a legal forum and find an ambulance chaser. But be prepared to pay a significant retainer, up front. Most reputable lawyers will only take contingency cases when they think they have a chance of winning. When the lawyer finds out that YOU KNEW that there was a septic and YOU FAILED to get an inspection (shared liability), it's a safe bet that they'll ask for about $5,000 for an upfront retainer.

The Kyle Rittenhouse verdict....Finally some real social justice!!!

oh, never mind smh