Appraiser Marked Private Septic And Well As Public

[Sadie]

You missed one point. I am not required to verfify minimum FHA requirements the appraiser and lender are. The system was obviously fraudulently over looked due to the TWO lies from both the appraiser and the AMC because of what? Surely not because it was perfectly fine. Also I was not aware of the mistakes until October 23rd. Not prior to closing.

YOU missed the point that most of the posts have pointed out and you conveniently didn't find/quote in all of your handbook quotes: "Sewage System: The Mortgagee must confirm that a connection is made to a public or community sewage disposal system whenever feasible and available at a reasonable cost. If connection costs to the public or community system are not reasonable, the existing Onsite Sewage Disposal Systems are acceptable provided they are functioning properly and meet the requirements of the local health department. "
Mortgagee is not the appraiser, it is your lender. This particular piece of dirt is in their pocket. But is it really? You knew the property had a septic system, bother realtors knew it had a septic system, the inspector knew it had a septic system, so did it magically disappear because the appraiser checked the incorrect box? Did it magically become something it's not because the appraiser checked the wrong box? Sometimes bad things happen and it's no one's fault.

 

[Sadie]

Ha! Didn’t you just post this?

This is a very appropriate quote from andrew21 on another FHA post:

The FHA guidelines are:
- Require well water testing when the distance between the well and septic system is less than 100 feet.
- Existing construction wells must be 50 ft or greater from the septic tank.
- Existing construction wells must be 100 ft or greater from the drain field.
- Existing construction septic tank drain field reduced to 75 feet if allowed by local authority.
- If the Property has a septic system, the Appraiser must visually observe it for any signs of failure or surface evidence of malfunction. If there are readily observable deficiencies, the Appraiser must require repair or further inspection.
- The Appraiser is not required to sketch or note distances between the well, property lines, septic tanks, drain fields, or building Structures but may provide estimated distances where they are comfortable doing so. When available, the Appraiser should obtain from the homeowner or Mortgagee a copy of a survey or other documents attesting to the separation distances between the well and septic system or other sources of pollution.

Those guidelines are for lending on the property. It is up to the lender to verify all of this, not the appraiser. The lender has ALL of the documentation, the appraisal, the contract, the listing information from the realtor, the inspection. And the lender has all of the responsibility. If the septic system doesn't meet guidelines, the loan would have been declined. You got the loan, what are you complaining about?

 

[Tiffany Gibbons]

I think this should be pinned for the appraisers that don’t do these things.

You are just precious. Bless your heart.

 

[Huds_Harm]

YOU missed the point that most of the posts have pointed out and you conveniently didn't find/quote in all of your handbook quotes: "Sewage System: The Mortgagee must confirm that a connection is made to a public or community sewage disposal system whenever feasible and available at a reasonable cost. If connection costs to the public or community system are not reasonable, the existing Onsite Sewage Disposal Systems are acceptable provided they are functioning properly and meet the requirements of the local health department. "
Mortgagee is not the appraiser, it is your lender. This particular piece of dirt is in their pocket. But is it really? You knew the property had a septic system, bother realtors knew it had a septic system, the inspector knew it had a septic system, so did it magically disappear because the appraiser checked the incorrect box? Did it magically become something it's not because the appraiser checked the wrong box? Sometimes bad things happen and it's no one's fault.

Humor me and tell me how the mortgagee is to determine that if the appraiser did not disclose the property was private sewer and water.

 

[Huds_Harm]

You are just precious. Bless your heart.

And I’m glad you don’t do FHA appraisals

 

[Huds_Harm]

Those guidelines are for lending on the property. It is up to the lender to verify all of this, not the appraiser. The lender has ALL of the documentation, the appraisal, the contract, the listing information from the realtor, the inspection. And the lender has all of the responsibility. If the septic system doesn't meet guidelines, the loan would have been declined. You got the loan, what are you complaining about?

That’s funny because I see the words the appraiser in there a few times.

 

[James Micozzi]

Let me guess you don’t do FHA appraisals either because there are too many REQUIREMENTS.

Wrong again skippy about me doing FHA appraisals. You are just too stubborn to admit that YOU ultimately bear the brunt of this mistake. .

 

[Huds_Harm]

Wrong again skippy about me doing FHA appraisals. You are just too stubborn to admit that YOU ultimately bear the brunt of this mistake. .

I sir do not hold an appraisal license. So you must agree that you in fact do the required distance measurements to ensure the property meets FHA minimum requirements no?

 

[Huds_Harm]

Those guidelines are for lending on the property. It is up to the lender to verify all of this, not the appraiser. The lender has ALL of the documentation, the appraisal, the contract, the listing information from the realtor, the inspection. And the lender has all of the responsibility. If the septic system doesn't meet guidelines, the loan would have been declined. You got the loan, what are you complaining about?

Also not only did the appraiser lie about the utilities being public, I just learned the AMC LIED on the 21 point QC FHA form to the lender stating not only did the report indicate that the property was private water and sewer, but that it included the statement ? If also on private water, is there a comment noting if the subject meets the minimum FHA distance requirements from the well to the storage tank, drain field, and property? BUT TWO LIES MUST BE A COIENCIDENCE RIGHT?

6 Does the report indicate that the water is private? If yes, does the appraiser provide a comment on the availability of public water and if the subject is required to connect? Also, does the appraiser comment if private utilities are common for the area and if there is any impact on the subject's marketability? Yes

8 Does the report indicate that the sewer is private? If yes, does the appraiser provide a comment on the availability of public sewer and if the subject is required to connect? If also on private water, is there a comment noting if the subject meets the minimum FHA distance requirements from the well to the storage tank, drain field, and property? Also, does the appraiser comment if private utilities are common for the area and if there is any impact on the subject's marketability? Yes

 

[EddieB]

The OP has spent some time on an Appraisal Forum and has read an outdated FHA manual and is now an appraiser. Their license is in the mail. Unfortunately they did not perform their own due diligence or maybe it's just a case of caveat emptor

Time would be better spent with a lawyer.

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