I did a 1004D with both the recert and completion certificates on a new construction. I've always just done exterior photos for these, but this lender is now requesting the REQUIRED interior photos.
Does Fannie Mae or USPAP require these photos?
Thanks
Those are two different assignments:
1. "Recert"... which is not the right term; it is an
update (and the difference is not just technical); and
2. "Completion Certificate"
The update's SOW is an exterior drive-by, so interior photos are not part of that assignment. You haven't been taking interior photos on updates, and no one is either (as a rule).
However, the expectation of the "certification of completion" is to have photo documentation (if possible*) of the items that were made "subject to completion".
If you are doing a completion certification for a newly constructed home, without going inside and walking through, how can you verify that it was completed in the manner your (or someone else's) appraisal assumed it would be? And, once inside, you'd take photos; preferably of the kitchen, baths, rear, and an appropriate sampling of interior areas.
* I say "if possible" because sometimes it isn't possible; a repair behind the wall or under the ground usually cannot be directly photographed. In that case, it is probably a good idea to take a photo of the general area and state that the specific repair cannot be directly observed.