Client Overstepping with Borrower's?

[Fernando]

A bed in a room does not make it a bedroom. An appraiser calling it a bedroom in teh report and sketch makes it a bedroom to the UW. And a bedroom has to meet certain criteria to get the loan, mainly adequate access to outside (window or sliding door per their min requirements for it )

Instead of ANSI, Fannie should be more clear in what constitutes a bedroom.

 

[Overimprovement]

A bed in a room does not make it a bedroom. An appraiser calling it a bedroom in teh report and sketch makes it a bedroom to the UW. And a bedroom has to meet certain criteria to get the loan, mainly adequate access to outside (window or sliding door per their min requirements for it )

OP states report was already revised to no longer call it a bedroom. So report is not calling it a bedroom, and you state yourself a bed in a room does not make it a bedroom, so why is it still an issue?

 

[Overimprovement]

We need to quit rolling over for stupid stips and being led around by the nose.

Can someone show me in the HUD handbook where having a bed IN a room necessitates that room having to meet formal bedroom requirements?

 

[Mark K]

There are homes with no egress windows. 0 bedroom home?

View attachment 66245

We have hundreds of homes with similar windows in this area and they all have bedrooms, usually 3...gasp!! 'Back in the day' they were touted as security features, i.e., makes it hard for burglars to get in thru the windows. They forgot to mention that they also trap people, especially kids, in the bedrooms in the event of fire.

 

[Fernando]

We need to quit rolling over for stupid stips and being led around by the nose.

Can someone show me in the HUD handbook where having a bed IN a room necessitates that room having to meet formal bedroom requirements?

Can someone show me in the HUD handbook where having a ladder leaning against a wall means some construction work is being done on subject?

 

[Fernando]

We have hundreds of homes with similar windows in this area and they all have bedrooms, usually 3...gasp!! 'Back in the day' they were touted as security features, i.e., makes it hard for burglars to get in thru the windows. They forgot to mention that they also trap people, especially kids, in the bedrooms in the event of fire.

I look at assessors records and MLS records and see what they call these rooms.
In the end, you as the appraiser makes the final call.....unless lender has a problem. Then Lender makes final call.

 

[Dublin ohio]

OP states report was already revised to no longer call it a bedroom. So report is not calling it a bedroom, and you state yourself a bed in a room does not make it a bedroom, so why is it still an issue?

Hard to unring a bell

 

[Dublin ohio]

Can someone show me in the HUD handbook where having a ladder leaning against a wall means some construction work is being done on subject?

No.

 

[J Grant]

OP states report was already revised to no longer call it a bedroom. So report is not calling it a bedroom, and you state yourself a bed in a room does not make it a bedroom, so why is it still an issue?

It seems ( at least from info here ) it is still an issue because original report called it a bedroom, the UW saw it and asked lender to have it revised, OP changed the label away from bedroom but UW wants the bed removed. A PITA but the OP has to do it so the borrowers can get their loan,

 

[Mike Ault]

We have hundreds of homes with similar windows in this area and they all have bedrooms, usually 3...gasp!! 'Back in the day' they were touted as security features, i.e., makes it hard for burglars to get in thru the windows. They forgot to mention that they also trap people, especially kids, in the bedrooms in the event of fire.

And most of those were probably built with FHA financing.