How strict are you when performing FHA appraisal inspections

[ZZGAMAZZ]

Very. Many a time I've told an owner to put a cover on an outlet so I don't have to come back. Extension cords are a red flag for insufficient electrical service in a room. I check ALL burners and note if one does not work then place it squarely on the shoulders of the DEU. Leaking pluming, need fixed, missing siding, no brainier; got to get fixed. I don't care how cheap it is, if a 2 year old can get shocked, or termites have a way to get in, it needs fixed.

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**** . . . I carry a small bag full of new smoke and carbon monoxide detectors in my trunk that I sell at cost to borrowers who aren't aware of the CA regs.--Public Trust and all. Feel me???

 

[CANative]

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I recently described the CB4 "Subject To" status of floorboards, under the master bath, which appeared to be stained. I subsequently participated in a home inspection of a different property in an effort to improve my knowledge of mechanical/plumbing/electrical systems. The home inspector carries a moisture detector, and advised that theoretically any positive reading would be documented as problematic in his inspection. If I am required to jump through technical hoops to be considered by HUD as proficient, I will give the client and FHA the value they are seeking--just realizing that it's easier and more in keeping with the Public Trust obligation to learn the craft rather than to complain about it.

 

[Ariba]

FHA addresses defective paint surfaces. The photos appear to show that new paint, albeit a different color, has been applied. This is a common quick paint job for small areas where the borrower does not have time, prior to closing, to repaint the entire house so that all surfaces match. There is no use in trying to find an exact color match for touch-up as the other portions of the siding have likely faded. It is not aesthetically pleasing to the eye, but the paint surface is no longer defective. I have passed similar quick paint jobs it is is mostly confined to small inconspicuous areas. I am surmising the winter weather prohibits doing a proper paint job prior to closing. Likely, a new paint job will be applied when the new owner has the time to consider all color options and has more suitable weather.

The problem is that it is a re-finance and it took 2-months to get this done. Does it look like 2-coats of paint as required to you? No way would I have signed off on this if it was a purchase.

 

[ZZGAMAZZ]

View attachment 42930

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So the appraiser is hired by the government to conduct inspections of issues above-&-beyond his or her core competency but expected to do so without being technically exhaustive--the slipperiest of beaurocratic slopes, almost fictional in its inherent incongruity...

 

[bnmappraisal]

The problem is that it is a re-finance and it took 2-months to get this done. Does it look like 2-coats of paint as required to you? No way would I have signed off on this if it was a purchase.

Why would your protocol be different for Refi vs Purchase???

 

[Tim The Enchanter]

Why would your protocol be different for Refi vs Purchase???

No diff for me. I can't tell 1 coat of paint from 2 or 3. Is it peeling or flaking is all I care about.
It does not have to be pretty. Pretty sounds like a LMAO can of worms.

 

[ucbruin]

Public water hook-up is stated "at a reasonable cost"....
What is a "reasonable cost"?

If property uses heat oil but natural gas is available do you require hook-up to the gas line?

 

[Ariba]

I can't tell 1 coat of paint from 2 or 3.

Maybe it is time for a new prescription?

 

[Tim The Enchanter]

Public water hook-up is stated "at a reasonable cost"....
What is a "reasonable cost"?

If property uses heat oil but natural gas is available do you require hook-up to the gas line?

Can O worms in a gray area.

Define reasonable.
Good luck with this mission should you choose to accept it.

 

[Marty Boone]

Maybe it is time for a new prescription?