• Welcome to AppraisersForum.com, the premier online  community for the discussion of real estate appraisal. Register a free account to be able to post and unlock additional forums and features.

FHA Side Pictures?

Status
Not open for further replies.

Alexandra Kanakis

Sophomore Member
Joined
Jan 15, 2002
Professional Status
Certified Residential Appraiser
State
Michigan
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

Elite Member
Joined
Jun 18, 2003
Professional Status
Retired Appraiser
State
California
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

Elite Member
Gold Supporting Member
Joined
Jan 31, 2002
Professional Status
Certified Residential Appraiser
State
Pennsylvania
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

Elite Member
Joined
Jan 12, 2004
Professional Status
Certified Residential Appraiser
State
North Carolina
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

Elite Member
Joined
Aug 14, 2006
Professional Status
Certified Residential Appraiser
State
Ohio
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/
 

Mr Rex

Elite Member
Joined
Jan 12, 2004
Professional Status
Certified Residential Appraiser
State
North Carolina
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

Elite Member
Joined
Aug 14, 2006
Professional Status
Certified Residential Appraiser
State
Ohio
He saw the FHA “Bat Sign” in the sky and ran to the rescue.:)
 

TC

Elite Member
Gold Supporting Member
Joined
Jan 31, 2002
Professional Status
Certified Residential Appraiser
State
Pennsylvania
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

Elite Member
Joined
Jan 12, 2004
Professional Status
Certified Residential Appraiser
State
North Carolina
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.
 
Status
Not open for further replies.
Find a Real Estate Appraiser - Enter Zip Code

Copyright © 2000-, AppraisersForum.com, All Rights Reserved
AppraisersForum.com is proudly hosted by the folks at
AppraiserSites.com
Top

AdBlock Detected

We get it, advertisements are annoying!

Sure, ad-blocking software does a great job at blocking ads, but it also blocks useful features of our website. For the best site experience please disable your AdBlocker.

I've Disabled AdBlock
No Thanks