FHA Septic & Well Appraiser Lawsuit

[Dublin ohio]

If you fail to read the listing for a property, then it is on you, the appraiser, not the buyer. You must double check it all. "Confirm" I believe is the word.

No sheet Sherlock. You must have missed (ignored) the rest of the post

It only "proves" that she did not perform her due diligence

 

[Overimprovement]

This update is for those of you who defend this type of appraiser

Which statement is not fact?

 

[Terrel L. Shields]

You must have missed (ignored) the rest of the post

Nope, but any other scenario that the appraiser can argue falls back on the one key piece of evidence. They did it wrong.

 

[Dublin ohio]

Nope, but any other scenario that the appraiser can argue falls back on the one key piece of evidence. They did it wrong.

Never said otherwise. I was just debating the ability to prove intent.

 

[Terrel L. Shields]

the ability to prove intent.

Innocently done out of haste or whatever, "intent" seems a non-issue with me.

 

[Dublin ohio]

Innocently done out of haste or whatever, "intent" seems a non-issue with me.

Granted intent does not excuse the fact that the appraiser screwed the pooch. My debate was about the OP saying the appraiser "concealed" the presence of well and septic. Lack of due diligence does not=concealment

 

[TerryRohrer]

Innocently done out of haste or whatever, "intent" seems a non-issue with me.

Might be some reason we carry Errors and Omissions insurance. I expect most don't cover intentionally fraudulent acts.

 

[Meandering]

Good job researching. Now research what would have been required had the appraiser not concealed the fact it was well and septic.

According to your posts, even the home inspector could not find the septic, and the appraiser took photos of well water.

Now you want to say the septic was exposed when the appraiser performed the on site look-see? Where is that "evidence", that the appraiser didn't get there before the septic guy?

Three is no evidence of "concealment" and you did not do your due diligence to have the septic pass an inspection before you closed the sale. And oh, my, was that inspection a requirement of your agreement of sale, that you just let slide by?

So it appears that you concealed the septic and any issues it might have, by not getting the required septic inspection. A cleaning, is not, an inspection.

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[BRCJR]

A buying decision cannot be made prior to the FHA appraisal ensuring the home meets all FHA minimum property requirements.

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Not factual.....at all. A FHA insured loan cannot be made until such information is obtained. The buying decision / offer to purchase is made well in advance of the Appraisal Report submission.

 

[Meandering]

According to your posts, even the home inspector could not find the septic, and the appraiser took photos of well water.

Now you want to say the septic was exposed when the appraiser performed the on site look-see? Where is that "evidence", that the appraiser didn't get there before the septic guy?

Three is no evidence of "concealment" and you did not do your due diligence to have the septic pass an inspection before you closed the sale. And oh, my, was that inspection a requirement of your agreement of sale, that you just let slide by?

So it appears that you concealed the septic and any issues it might have, by not getting the required septic inspection. A cleaning, is not, an inspection.

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And was the appraiser given a copy of the home inspection report that said no septic was found???

The buyer's obligation is to have the septic inspected, and in that you failed.

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