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Lender is asking to change report type to "as is"


Elite Member
Mar 29, 2002
Professional Status
Certified Residential Appraiser
"The Appraiser observed both a large crack along a drywall seam in the ceiling and possibly a stressed load-bearing column below. The appraiser cannot determine if this was caused by foundation settlement, poor drywall instillation, or the additional unpermitted bedroom. The Appraiser suspects this could be related to the additional weight of an unpermitted bedroom addition and recommends this be inspected by a certified engineer."

I wrote the report "subject to inspection."

Their response...

****FOR ALL HOME EQUITY APPRAISALS report must be AS IS, regardless of safety issues, unfinished renovations and condition. If this order is marked Home Equity − please only submit "AS IS" Please remember to change your signature date if making any changes to your report.

Would I need to do a cost-to-cure, and how would I go about it if this is beyond my SOW now. Or what are my options.

Withdraw from the assignment.


Gold Supporting Member
Mar 11, 2008
Professional Status
Certified Residential Appraiser
Withdraw from the assignment.
Of course that is the path of least resistance... is that the path, though, that 'protects and preserves the public trust'?.... asking for a friend.
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