Bedroom photos required. Invasion of privacy?

[spgray65]

Has anyone else noticed that recently more and more client are demanding photos of EVERY bedroom?

I had one homeowner that flat out said to me "do not take a photo of my kid's bedrooms" and I completely agree with him. I don't want some appraiser that I don't know taking pictures of my kids room.

Thoughts?

 

[Scott R Marshall]

I have no problem taking photos. If the borrower wants the loan and the client requires it, it should not be a problem. It is no more an invasion of privacy than you taking a photo of any other room in the house, or for that matter being inside their house.

 

[Mr Rex]

Want the mortgage? Then play by the rules of those lending the money. Pretty simple.

 

[Lee Lansford]

Has anyone else noticed that recently more and more client are demanding photos of EVERY bedroom?

I had one homeowner that flat out said to me "do not take a photo of my kid's bedrooms" and I completely agree with him. I don't want some appraiser that I don't know taking pictures of my kids room.

Thoughts?

When you set the inspection to inspect the subject, advise "whoever" that you will be taking photos of the bedrooms.

I left employment at a major relocation company in 1983; at that time appraisers were required to provide photos of each and every room (bedrooms etc.).

No "biggie".

 

[spgray65]

When you set the inspection to inspect the subject, advise "whoever" that you will be taking photos of the bedrooms.

I left employment at a major relocation company in 1983; at that time appraisers were required to provide photos of each and every room (bedrooms etc.).

No "biggie".

Good advice. "set expectations" with the appointment phone call.

Fannie's new photo requirements seem to have been interpreted by some lenders as requiring all bedrooms even though that's not mentioned by Fannie.

 

[Elliott]

I tell the HO the AMC requires it and tell them it seems like a stupid requirement
imposed by the lender to take photos of all rooms. I think it is an invasion of a family's privacy.

The 'all bathroom' requirement undoutbedly came from an anal retentive type.

 

[spgray65]

The 'all bathroom' requirement undoutbedly came from an anal retentive type.

Bathroom humor; I love it!

 

[Scott R Marshall]

I tell the HO the AMC requires it and tell them it seems like a stupid requirement
imposed by the lender to take photos of all rooms. I think it is an invasion of a family's privacy.

The 'all bathroom' requirement undoutbedly came from an anal retentive type.

Then perhaps you also feel the actual inspection is an invasion of privacy as well? Look, its the job we are hired to do. The borrower has picked this particular lender and its their requirement. If the borrower has an issue then find another lender. If you feel uncomfortable because you need to take a picture then decline the order. If you feel this is an invasion of privacy I suggest you find another line of work as the whole process could be considered "intrusive". I choose not to think about it and just do what I'm hired to do.

 

[spgray65]

I choose not to think about it and just do what I'm hired to do.

Because you're a robot?

Look, you're reading waaaay too far into the OP.

 

[Metamorphic]

I agree with setting proper expectations during the appointment set.

You can also tell the person that if there's anything specific they would like not photographed to just speak up and we'll figure out a work around.

Also, if the person is iffy about the photo process, I tell them about the time where I had a house burn down a couple months after I inspected it how the photos I was able to provide (as a 3rd party) really helped the HO out with their insurance agent. At least that way they can see that there's potentially something in it for them for their trouble.