FHA Side Pictures?

[Alexandra Kanakis]

Got a condition on an FHA that I MUST give them side pictures of the house. I gave them 2 front pictures from the corner so both sides show plus the rear picture also shows a side. I can't find any FHA requirements of separate side pictures, which I told the LO, but now I've got three people from this company calling for the same thing saying it's an FHA requriement. Of course it's a broker but the lender is Indy Bank. Can anyone help me with this one? If I'm wrong, I need to know.
Thanks.

 

[CANative]

Subject Photographs
• Front and rear at opposite angles to show all sides of the dwelling,
• Any improvements with contributory value that are not captured in either the front or rear photograph,
• Street scene photo to include a portion of the subject site.
• If the subject property is proposed construction and the improvement has not started, the appraiser should take a photograph that shows the grade of the vacant lot.

Sounds like you did the job properly.

 

[TC]

You are correct, Sir!

Maybe the lender wants them, but to the best of my knowledge, what you give them meets FHA regs.

TC

 

[Mr Rex]

If you took oblique pictures that show the front and one side, and the rear and the opposite side, you have met FHA requirements. Here is the direct quote from Appendix D/Mortgagee Letter 2005-48.:


Subject Photographs

• Front and rear at opposite angles to show all sides of the dwelling,
• Any improvements with contributory value that are not captured in either the front or rear photograph,
• Street scene photo to include a portion of the subject site.
• If the subject property is proposed construction and the improvement has not started, the appraiser should take a photograph that shows the grade of the vacant lot.

 

[Hamlet]

Subject Photographs • Front and rear at opposite angles to show all sides of the dwelling,
• Any improvements with contributory value that are not captured in either the
front or rear photograph,
• Street scene photo to include a portion of the subject site.
• If the subject property is proposed construction and the improvement has not
started, the appraiser should take a photograph that shows the grade of the
vacant lot.

This is a handy site. It has a searchable 4150. Very hand for those quick look ups.

http://HUD-FHA.blogspot.com/

 

[CANative]

Ha!

Beat you again.

 

[Mr Rex]

So, did you get new contacts?

Interesting one recently. The UW kept demanding that I remove the $ amount of a DPA and said it was a gift, and "gifts were not to be mentioned in the appraisal". I copied and pasted from my left lens and laid this pup down for a nap.

 

[Hamlet]

He saw the FHA “Bat Sign” in the sky and ran to the rescue.

 

[TC]

We should pool all our FHA knowledge and write a FHA for Dummies book.

TC


I just wait here for the cheap shot.

 

[Mr Rex]

TC, sadly, FHA has the most dummy friendly printed materials available to appraisers. Fannie, not so much, and that fat slob produced the forms we all use daily, but scrimped on the instructions. I'm sure this wasn't a mere oversight.