FHA Photo Requirements

[timd354]

I know from experience the HUD branch chief appraiser in my area is a reasonable person.

They are not going to screw you over for just a exterior garage pic.

They may not screw you over for that, but they may look askance at someone who did not cooperate in fixing an identified issue. At the very least it could put the appraiser on the FHA's radar.

 

[Ken Masla]

They may not screw you over for that, but they may look askance at someone who did not cooperate in fixing an identified issue. At the very least it could put the appraiser on the FHA's radar.

There is nothing wrong with the garage door, so there is no issue.

The subject of the exterior pic of the garage is a client request. The UW is confused at the difference.

You will not go in the HUD radar for failing to provide an exterior garage door pic.

It will just make you an ******* to the client.

 

[timd354]

There is nothing wrong with the garage door, so there is no issue.

The subject of the exterior pic of the garage is a client request. The UW is confused at the difference.

You will not go in the HUD radar for failing to provide an exterior garage door pic.

It will just make you an ******* to the client.

Which part of the following statement in the original post in this thread do you fail to comprehend?: I did an FHA refinance appraisal, and the lender has been told by FHA that they need a photo of the front of the garage.

BTW, if I am the lender and the FHA told me they needed a photo of the front of the garage and the appraiser failed to go back out in a timely manner and take a photo and correct the report per the FHA's request, then that appraiser already seen the last order that he will ever receive from me.

You fit right in here on the AF....another hard headed fool with a reading comprehension problem who chimes in about stuff that he knows nothing about.

 

[bnmappraisal]

Which part of the following statement in the original post in this thread do you fail to comprehend?: I did an FHA refinance appraisal, and the lender has been told by FHA that they need a photo of the front of the garage.

BTW, if I am the lender and the FHA told me they needed a photo of the front of the garage and the appraiser failed to go back out in a timely manner and take a photo and correct the report per the FHA's request, then that appraiser already seen the last order that he will ever receive from me.

You fit right in here on the AF....another hard headed fool with a reading comprehension problem who chimes in about stuff that he knows nothing about.

it is what it is, Tim...it is what it is

 

[Ken Masla]

Which part of the following statement in the original post in this thread do you fail to comprehend?: I did an FHA refinance appraisal, and the lender has been told by FHA that they need a photo of the front of the garage.

BTW, if I am the lender and the FHA told me they needed a photo of the front of the garage and the appraiser failed to go back out in a timely manner and take a photo and correct the report per the FHA's request, then that appraiser already seen the last order that he will ever receive from me.

You fit right in here on the AF....another hard headed fool with a reading comprehension problem who chimes in about stuff that he knows nothing about.

FHA can make certain demands on specific appraisal reports? So the appraiser at the help desk wrote the address down and now is going to check all incoming files to make sure a photo of the garage door was provided for this specific file?

This sounds like an UW that is just saying that the FHA told them so, so the appraiser can do it.

PS. You are a dodo brain.

 

[timd354]

it is what it is, Tim...it is what it is

It is what it is. That is all I am saying....lol

 

[timd354]

FHA can make certain demands on specific appraisal reports? So the appraiser at the help desk wrote the address down and now is going to check all incoming files to make sure a photo of the garage door was provided for this specific file?

This sounds like an UW that is just saying that the FHA told them so, so the appraiser can do it.

PS. You are a dodo brain.

The FHA can make life miserable for the lender, including not insuring the loan, if the FHA determines that the appraisal does not meet there requirements. Thus, if the FHA tells the lender that the appraisal needs certain corrections and the lender asks the appraiser to make those corrections and the appraiser refuses to do so, many lenders are no longer going to use that appraiser. I have been involved in the lending business both on the origination side and as an appraiser for almost 25 years now, so I have a pretty good idea of how things work.

It is what it is. That is all I am saying

 

[bnmappraisal]

FHA can make certain demands on specific appraisal reports?

Yes
(Edit to add: it's called the 4000.1 handbook)

 

[Ken Masla]

The FHA can make life miserable for the lender, including not insuring the loan, if the FHA determines that the appraisal does not meet there requirements. Thus, if the FHA tells the lender that the appraisal needs certain corrections and the lender asks the appraiser to make those corrections and the appraiser refuses to do so, many lenders are no longer going to use that appraiser. I have been involved in the lending business both on the origination side and as an appraiser for almost 25 years now, so I have a pretty good idea of how things work.

It is what it is. That is all I am saying

So the lender will stop using the appraiser. -Which I stated, for being an A--hole.

Tell me, where in this process does an appraiser get disciplined or be put on some kind of vague radar? Which was my original point. Seems like you are the one with poor reading comprehension.

You might be the one with poor reading comprehension, the exact thing that you blame other AF members of having.

Stick to my original reply. Don't change courses so you can tell the world how much of a big boy you are.

 

[Riick]

This is no a hill the OP *should* want to die on. Will bet the homeowner will be pleased to take a photo of the garage front and email it to the OP.
Sqweeky wheel gets the oil, but in this case, the raft of doo-doo.