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There is one appraisal that states public yet the AMC stated on the QC form it says private and the minimum distance requirements were done. The lender therefore relied on the AMC’s fraudulent QC form.
Looks like the AMC is to blame. Appraisal Management Company put down wrong information to lender.
It did, and the AMC asked for all the repair receipts.
Sounds clear the AMC is probably the one at fault. Of course, when Appraisers try to sue AMCs for nonpayment, state boards do nothing to assist the appraiser in getting paid. They might get stopped from practicing eventually, but will just pop up again under a new name with no consequences whatsoever. But best of luck!
If the AMC states that, then most likely the appraisal was corrected. That corrected copy is not the one you were provided. For any given assignment there can be multiple appraisal reports due to changes requested by the client (usually the lender).
But if it were corrected the appraiser would have had to ask for a survey to determine distances and that information is not on the survey nor with the city county or state.
What's the matter? Are you getting tired of being lectured by someone that's not smart enough to get a septic inspection and then wants to find a scapegoat with deep pockets?
No, the appraiser does not have to ask for a survey. A survey is typically not necessary because the county should have all of that stuff on file along with the company who installed the system.
It is not on record anywhere. Also the required water test when the system is less than 100 ft from well was not done and there was no well waiver requested.
So your county does not approve septic systems and well placement to ensure you are not drinking poo water? Ok, Still the most the appraiser is responsible for is recommending the septic system and drain field be located. You seem to be missing the point that regardless of what the appraiser says, except for a few things, the lender has all of the authority to approve or not a loan with a property as collateral. This is on the lender. That BS about them not ordering what they needed because the appraiser didn't mark the box is just that-BS. They already knew the property had a septic system and if they chose to approve the loan without a survey, then they are the ones that made the error. If they had caught that prior to closing, you wouldn't have your loan. Since you didn't know there was a problem with system, you might be pretty upset about not getting that loan.