Client Overstepping with Borrower's?

[Ostensibly]

I did an appraisal a month ago on a home with a finished basement. The home was built in the 50's and the basement has basement windows from that time period (small and high off the ground). In one of the rooms the owners have placed a bed and use it as bedroom. The client won't allow that room to be called a bedroom because the window is not to current code for basement windows. This is fine by me and I relabeled it on my sketch, there is no marketable difference for basement "bedroom" vs bonus room (or whatever you want to call it). I just received a 1004d request to go out and make sure the borrower's have removed the actual bed from the room. Can they do this?

I find it ridiculous and overstepping to make a couple in their 80's move a bed from a room so it's not a "bedroom". What business is it of the client how someone utilizes a room? I understand that it's FHA and there are minimum property standards and health and safety issues, but is this one? What if the bed/mattress was just turned on its side and the room was just a "storage" room, would the client have a problem then?

How would you respond to this order request?

 

[CGinMN]

Did you make your appraisal subject to the removal of a bed? If not, I'm not sure the 1004D is appropriate for this request.

 

[Terrel L. Shields]

Agree. Tell them it is not your job. The lender can do that unless you labeled the room as a bedroom, or subject to its removal I would refuse

 

[Dublin ohio]

Not to be snarky. But IMO. Originally calling it a bedroom raised a red flag. I have never called a finished basement room a "bedroom". Unless it has proper egress. I have submitted hundreds of reports with a picture of a finished basement room with a bed in them. But have not called it a bedroom in the report. Den, flex room, other room. But not bedroom. Have never been questioned. If they insist on an inspection to confirm the bed is removed and you did not make it "subject to" removal of the bed. Tell them you will submit an addendum stating the reason and results of the inspection and charge accordingly. Like others have said. The 1004d is not the right format.

 

[glenn walker]

I did an appraisal a month ago on a home with a finished basement. The home was built in the 50's and the basement has basement windows from that time period (small and high off the ground). In one of the rooms the owners have placed a bed and use it as bedroom. The client won't allow that room to be called a bedroom because the window is not to current code for basement windows. This is fine by me and I relabeled it on my sketch, there is no marketable difference for basement "bedroom" vs bonus room (or whatever you want to call it). I just received a 1004d request to go out and make sure the borrower's have removed the actual bed from the room. Can they do this?

I find it ridiculous and overstepping to make a couple in their 80's move a bed from a room so it's not a "bedroom". What business is it of the client how someone utilizes a room? I understand that it's FHA and there are minimum property standards and health and safety issues, but is this one? What if the bed/mattress was just turned on its side and the room was just a "storage" room, would the client have a problem then?

How would you respond to this order request?

A Underwriter can says its a Health & Safety Issue -see stuff like this especially on a FHA reverse --BUT - its really heavy handed and stupid because we all know they will just put it right back after you leave. I would lay it all on the lender, tell them to contact borrowers and tell them what they want done. A PITA but old folks need the money so delaying it may hurt them more than moving the bed.

 

[glenn walker]

Not to be snarky. But IMO. Originally calling it a bedroom raised a red flag. I have never called a finished basement room a "bedroom". Unless it has proper egress. I have submitted hundreds of reports with a picture of a finished basement room with a bed in them. But have not called it a bedroom in the report. Den, flex room, other room. But not bedroom. Have never been questioned. If they insist on an inspection to confirm the bed is removed and you did not make it "subject to" removal of the bed. Tell them you will submit an addendum stating the reason and results of the inspection and charge accordingly. Like others have said. The 1004d is not the right format.

A 1004-D can be used for re-inspection to verify something has been removed it doesnt have to be a repair and the UW can-call for a Re-inspection even if the appraiser never called for it to be done. On the 1004-D just state Lenders underwriter requested the bed be removed due to H & S Issue of windows being to small to get out in the event of a fire or natural disasters. Then go take a photo charge them A fee and be done. BUT NEXT Time dont label it as a bedroom -- Its a Finished Basement with a bed in it : ) LMAO

 

[J Grant]

I did an appraisal a month ago on a home with a finished basement. The home was built in the 50's and the basement has basement windows from that time period (small and high off the ground). In one of the rooms the owners have placed a bed and use it as bedroom. The client won't allow that room to be called a bedroom because the window is not to current code for basement windows. This is fine by me and I relabeled it on my sketch, there is no marketable difference for basement "bedroom" vs bonus room (or whatever you want to call it). I just received a 1004d request to go out and make sure the borrower's have removed the actual bed from the room. Can they do this?

I find it ridiculous and overstepping to make a couple in their 80's move a bed from a room so it's not a "bedroom". What business is it of the client how someone utilizes a room? I understand that it's FHA and there are minimum property standards and health and safety issues, but is this one? What if the bed/mattress was just turned on its side and the room was just a "storage" room, would the client have a problem then?

How would you respond to this order request?

You work for the client, not the other way around. IF they need a re inspect for a room contingent on bed removal than go and do it for an 1004D Am sure the couple is smart enough to ask someone to move the bed out for them

Over reach? The lender is extending the borrower a loan worth a lot of $ the lender (or FHA ) has a right to require certain conditions. Nobody is forcing the borrower to take out the loan

 

[glenn walker]

You work for the client, not the other way around. IF they need a re inspect for a room contingent on bed removal than go and do it for an 1004D Am sure the couple is smart enough to ask someone to move the bed out for them

Over reach? The lender is extending the borrower a loan worth a lot of $ the lender (or FHA ) has a right to require certain conditions. Nobody is forcing the borrower to take out the loa

Scope Creep just keeps growing.

 

[J Grant]

I did an appraisal a month ago on a home with a finished basement. The home was built in the 50's and the basement has basement windows from that time period (small and high off the ground). In one of the rooms the owners have placed a bed and use it as bedroom. The client won't allow that room to be called a bedroom because the window is not to current code for basement windows. This is fine by me and I relabeled it on my sketch, there is no marketable difference for basement "bedroom" vs bonus room (or whatever you want to call it). I just received a 1004d request to go out and make sure the borrower's have removed the actual bed from the room. Can they do this?

I find it ridiculous and overstepping to make a couple in their 80's move a bed from a room so it's not a "bedroom". What business is it of the client how someone utilizes a room? I understand that it's FHA and there are minimum property standards and health and safety issues, but is this one? What if the bed/mattress was just turned on its side and the room was just a "storage" room, would the client have a problem then?

How would you respond to this order request?

You created this problem for this older couple by calling it a bedroom in the first place. If you had called it a bonus room they would not have to move the bed out.

Now you want to screw up their loan by arguing with client about going out there /over reach? Just do it and put it behind you

 

[Zephyr999]

I'd reply that an Upon Completion appraisal was not ordered.