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Interior Photos - Yes? No?

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Neil (Texas)

Thread Starter
Sophomore Member
Joined
Jan 16, 2002
Professional Status
Certified General Appraiser
State
Texas
Had a colleague tell me it was her usual practice to include interior photos of all rooms. However, recently she received a call from a lender instructing her to remove the interior photos from a report. She wanted to know if I usually included interior photos (I do not*) and if so, would I remove such photos if requested (I would).

*First off, I do not include interior photos in my reports UNLESS there is a significant adverse condition(s). And then, only with the express permission of the home owner. I look at it from a liability standpoint... possible exposure of the owner's non-realty items.

Comments...
 

Les Brant

Freshman Member
Joined
Jan 22, 2002
Interior photos only in special circumstances; ie.... water stains in ceiling, evidence of plumbing leaks, damaged walls & floors, etc.

Also on mobile/manufactured housing of data plates when required. And if I remembered to bring my flash attachment along. I guess that is another reason to change over to digital (built in flash).

Les in Sunny Coastal (N) Carolina
 

Tim Hicks (Texas)

Elite Member
Joined
Jan 15, 2002
Professional Status
Certified Residential Appraiser
State
Texas
No, unless it is an REO, repair condition, or the home is extensively remodeled and I want the underwriter to see why I placed it at the top of the market.
 

Charlotte Dixon

Senior Member
Joined
Jan 16, 2002
Professional Status
Certified Residential Appraiser
State
Delaware
I don't take interior photos unless it's a REO. I take photos if repairs are required for the V.A. (interior or exterior). And, of course, I take interior photos for ERC appraisals. Other than those.....No.
 

George Hatch

Elite Member
Gold Supporting Member
Joined
Jan 15, 2002
Professional Status
Certified General Appraiser
State
California
I always take the photos (digital images). I never ask for permission and have never had a borrower ask me to not take photos or not include them in my reports. My reasoning is that the extra images don't cost me anything to speak of and they help to document my reported conditions. I have at least one lender that requires it.

If a borrower is that concerned for their privacy, they can cover all their personal property items up when I inspect the interior. I think the invasion of privacy thing is a non-issue. It's not like my clients are going over the images with a magnifying glass trying the 'case' the place in preparation for a burglary.

Different strokes...

George Hatch
 

George Hatch

Elite Member
Gold Supporting Member
Joined
Jan 15, 2002
Professional Status
Certified General Appraiser
State
California
Oh yeah, and if a client wanted me to remove any exhibits from my report, I would need it in writing along with an explanation why they want me to amend a written report. Usually asking for a written request will kill the request. In the end, it's my report and it's my signature.

George Hatch
 

wyecoyote

Senior Member
Joined
Jan 15, 2002
Professional Status
Gvmt Agency, FNMA, HUD, VA etc.
State
Washington
I always take interior photos (kitchen, bathroom, and third of fireplace or living room) Those are the three that come standard with my reports. Have never had anyone request the removal. And I inform the HO when setting the appt that I will be photographing not just the outside but also the interior.
 

airphoto

Senior Member
Joined
Jan 15, 2002
Professional Status
Retired Appraiser
State
Pennsylvania
I've actually had homeowner's request copies of the pictures, as they had no camera ..
 

Caterina Platt

Senior Member
Joined
Jan 17, 2002
Professional Status
Certified Residential Appraiser
State
New Mexico
I have always taken an interior photo or two. I include at least one in my reports because as George stated, it helps to support your statements regarding the condition. I also have kept these to CYA in case 2-3 years later the loan goes south, the place is in shambles, and the lender has an appraisal with my signature on it stating Avg/Good condition. I have pictures to document that at the time, that was a true statement.
 

David S. Roberson

Senior Member
Gold Supporting Member
Joined
Jan 16, 2002
Professional Status
Certified Residential Appraiser
State
Tennessee
Something smells fishy with the request to remove photos. I agree with George Hatch; I would want the reason for removing the photos for the file.
 
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