Gentleman, let get something clear. I am not MAD or show disrespect for your profession.
CANATIVE hit this one right on the head when he said the appraiser relied on the inspection and not his observations. That's right appraiser copy and paste inspection report but failed to notice the live electrical wire coming out a hole on the wall up to the light one 2 closets. How can I help not to be upset at appraiser listing the non functioning microwave, 20 dollars front fascia, 2 degree spread, and missing pool cleaner heads are issues the lender should be concern of but totally missed the wires.
Also according to my REA and Loan Officer the appraiser was quiet arrogant when asked about his report.
Marion: I am sorry, I spoke out my *** on that not knowing what a 203k was. I appreciate you took the time to provide some alternative options to my conundrum.
BTW can someone tell me how am I taking advantage from tax payers? I pay for the loan, appraisal, VA funding fee. I don't get what part of of MY loan founded by a private bank and backed by VA is a liability on us tax payers.?
Obamacare and welfare or as Dr. Sowell calls it (subsidizing failure) is tax payer waste.
Apparently you're fond of speaking out of your azz.
Who do you think supports the VA? Hostess Bakeries? Poppie sales up this year? The VA has a profit center? You pay your dues this year to belong? Or is it tax payer funded?
The liability is in the risk, you walk from the mortgage. The VA, AKA TAXPAYERS are the ones insuring the loan.
You totally do not understand the difference between an appraiser and a home inspector. When inspectors are licensed, we defer to them because their license indicates that they have greater expertise in their field. We are experts in value, regardless to any snide comments that may be sprung from that sentence.
So what is your entire freaking problem? The inspector wrote a report that was given to the appraiser who included it in his report,
because that is WHAT WE ARE SUPPOSED TO DO, and you don't like the Inspector's Report, so now you want to make a case that the appraiser is supposed to double check everything the inspector said, did, and did not do. Well sorry to disappoint you but that is not our job. We are not the home inspector supervisors.
However,
You hired the home inspector, you should have taken all this up with him. We are not home inspectors. Did the appraiser miss a wire in a closet? Possibly, but we're taking your word on something that you make sound obvious, and if it were obvious, it should have been on your home inspection report.
So all in all, what? You're claiming they won't lend you the money to buy a house that needs work, because now they know it needs work and you want to add more issues in by saying an appraiser did not note a badly wired closet light,
AFTER, the appraiser was given a home inspection report that was so detailed it noted a 2 degree spread?
Get a life.
If you are here to complain, believe, we all hear enough of that all the time, and are not going to entertain more of it lightly. If you're here to make some major capital case out of a wire not noted by an appraiser who was handed a home inspection report, get a lawyer, cause we've heard this garbage before. None of that will get you what you want, which is a home.
If you want a home, go inquire about a 203k loan if this is the home you want Otherwise, you have not convinced me on anything other than you are trying to make someone look bad so that you can get what you want, and I'm frankly sick of this kind of tactic by people who know nothing, but will discredit anybody to get their own way.
And just for your information. I spent 9 years in training to have my certs, and I don't look at every wall in a closet or elevator, or every square inch of a ceiling in a basement or every cabinet drawer. That is the job of an inspector, which I am not. I look at the overall conditions and what is
APPARENT to me on the day. That's
MY job.
.
