Amm115
Freshman Member
- Joined
- Nov 25, 2016
- Professional Status
- Real Estate Agent or Broker
- State
- Michigan
I recently had an appraisal completed on my personal home and the appraiser noted that there were two spots where there was cracked vinyl siding and one spot on the rear that had melted siding from a grill being placed to close. She noted on the appraisal "replace siding with like color". I do not find anywhere in the guidelines that a crack in the siding or melted siding, which seems cosmetic to me, would require repair. Almost all homes I have seen have cracks due to people weed wacking against them. The repair for a crack in siding is typically caulking the siding per contractor, but replace it all, just seems extreme to me?
Secondly she noted that there is a pipe in crawl space that needs to be covered and will most likely freeze in the ground. It is the septic line to the septic system. Most pipes are exposed and it seems that an appraiser being an expert on plumbing is also outside the FHA appraisal guidelines am I incorrect?
Thirdly she noted a railing is required on a step that is 12 inches off the ground. The information I have found in FHA book says its based on local code, which is actually 30".
She did come in under the first appraisal by $3,000 less and I did not argue that. I reviewed the numbers and felt they were all fair other than she did not adjust for lot size at all when it ranged from 1.3 to .34 acres, but in this area that can me minimal and I was not familar with the adjustment so have no grounds for arguement.
I am told by lenders that they are having problems with this appraiser calling out weird, never heard of items regularly. This will most likely kill the deal as we are not replacing the siding on our house for 2 small cracks and melted siding. Am I within my right to report this appraiser to HUD?
Any FHA expertise would be appreciated. Just feel as though this appraisers repair items are outside any guidelines I have read so far and need to determine the next step.
siding and steps photo attached
Secondly she noted that there is a pipe in crawl space that needs to be covered and will most likely freeze in the ground. It is the septic line to the septic system. Most pipes are exposed and it seems that an appraiser being an expert on plumbing is also outside the FHA appraisal guidelines am I incorrect?
Thirdly she noted a railing is required on a step that is 12 inches off the ground. The information I have found in FHA book says its based on local code, which is actually 30".
She did come in under the first appraisal by $3,000 less and I did not argue that. I reviewed the numbers and felt they were all fair other than she did not adjust for lot size at all when it ranged from 1.3 to .34 acres, but in this area that can me minimal and I was not familar with the adjustment so have no grounds for arguement.
I am told by lenders that they are having problems with this appraiser calling out weird, never heard of items regularly. This will most likely kill the deal as we are not replacing the siding on our house for 2 small cracks and melted siding. Am I within my right to report this appraiser to HUD?
Any FHA expertise would be appreciated. Just feel as though this appraisers repair items are outside any guidelines I have read so far and need to determine the next step.
siding and steps photo attached