I need help! Part 1

[Tom D]

This one is another vague one where the poster will continually repeat the same question, already knowing the answer.
They will not like any answer here. And they ask a poster if they were an appraiser.

Never met an attorney who would not represent you for a fee. No real estate attornies in the neighborhood, huh.
This will be my last post to another, to be, over drawn out poster.

Maybe they are writing their own legal brief to sue.

 

[Tim Hicks (Texas)]

The VA will loan on a manufactured home that has been moved. Sometimes, there is no data to show a manufactured home is not on its original site. Not all tax records report the manufactured home data on their tax rolls. Sometimes the data is so obscure that the only information available is that which is on the HUD data sheet in the home. There are times when our TDHCA (Texas Department of Housing and Community Affairs) has no installation records for a manufactured home and sometimes not even the build date. The title company should have all the history of the home. Did the title company not disclose these things to the lender? Now, if the appraiser was fully aware that the home had been moved from its original installation site and they did not disclose it, then you might have a case against the appraiser. But sometimes there is no data to prove otherwise.

 

[sputnam]

The appraiser's job is to develop and report an opinion of value. Yeah, I know a lot of appraisers stick their professional noses into issues that aren't in their wheelhouse. Sometimes, that's forced on them by the Lender/Client... like flood plan determination or adequacy and function of HVAC. Sometimes, it's appraisers not sticking to their own knitting... like 2nd guessing and preguessing Lender compliance issues. Appraisers are not Lenders. They provide information services to Lenders. The Lenders make the decision as to whether a load is or isn't approved. It is definitely not within the appraiser's responsibility to tell the Lender that a property is ineligible for a particular loan.

 

[Huds_Harm]

You won’t get the answers much less accountability you need here, only deflection and blame shifting. That is unless @Mile High Trout chimes in.

You can read my story here

https://appraisersblogs.com/uncovering-flaws-in-FHA-appraisal-n-loan-review-process/#google_vignette

As far as the lender self reporting the error, FHA will allow them to choose their own defect category allowing them to escape accountability.

 

[Cob]

I cant find an attorney who will take my case. For the most part, they agree I have a case. But they won't take this case.

Why????