LO Dosn't Like Rear Photo

[Joe Birrell (NY)]

Here's one for the books -

LO calls to complain about rear photo which shows all sorts of skid-row
debri (ladders, shopping carts, missing shingles, trash bags, etc). Says
I should have moved all the stuff out of the way and/or found a better angle to shot at !!!

I gave him a few choice words #%$&* and told him to take his own damn photos.

A few minutes later his office calls about another 14 x 48 shack on a crawl space (3 rooms, 1 bedroom) and wants a cost to cure addendum
for 2nd bedroom, and/or 3 identical comps (to make subject look better).

That's it, he's out of here !

 

[Ross (CO)]

Joe, it has always amazed me how some h/o's could have 2 days, 4 days or a week, before an appraiser's visit to their house, and they completely squander the opportunity to provide a good first impression by tidying-up the place, just a little. Instead, they leave the trash, and much useless junk and create interior "paths of navigation" from one room to another and between levels. It is not impossible for 1/3 of the observable "condition" to be obscured, and I guess that means we get to describe only 2/3's of the home's overall condition ! Not only is the house that way the day you visit, but it is that way every day of the year ! Here's the kicker, the lender is lending on that very condition which the h/o is offering the world to see. A skilled lender rep, LO, or processor should throw out the most subtle of suggestions --- like, "to help your loan sail through underwriting why don't you pick up around the place, do the dishes and put the laundry away, mow the lawn, carry away the piles of collected rubbish behind the garage, clear the small sprouting trees from the silt layer in bottom of the gutter, and, while you are at it -- at least make sure he or she can enter through the front door, even if you have to fix it ! " Short of those kind words from a caring loan originator I guess they are going to get the photos they get.

 

[Bobby Bucks]

Joe
I had a similar situation about 4 years ago. The homeowner had gutted the house several months prior to the inspection and had all his in-laws doing the remodeling at their own pace with the homeowner being the GC. Naturally I took photos of the entire mess, 3 ladders, 27 pieces of drywall, countertops, an old sink full of rainwater, 7 saw horses, beer cans everywhere. The loan officer went ballistic when he got the report. My cost to cure was $15,000. He called up and left me the nastiest 5 minute message I'd ever heard. Said I was "totally unprofessional" for having the stupidity to leave ladders and drywall in a picture. The message was so wacko I didn't even get angry. I recorded it and put it on a voice mail prompt so other appraisers could call up and hear it too. Several months later, that same loan officer heard about me letting other people hear his message and he threatened to sue me.....I'm still waiting for the summons.....appraising is so much fun. Cheers from the Bucks Ranch ;-)

 

[Dee Dee]

Joe,
I can't believe you aren't addressing this situation in a more professional manner. Your LO deserves the same professional respect that he has extended to you. Sit on your copier in order give him a good rear photo.

 

[Mountain Man]

:lol: Dee Dee, your too much!

 

[Jeff Horton]

Way to go Dee Dee! I am still laughing at that one!

 

[Nancy in Friday Harbor]

NEW POLL:

<span style='font-size:25pt;line-height:100%'>All those in favor of DeeDee for President, say Aye!

AYE!!!


</span> Way to go, DeeDee!!
Thanks. My afternoon needed that!! :lol: :lol: :lol:

 

[Farm Gal]

Ayeam howling...

Thanks Dee Dee~!

 

[Truett D. Neathery]

:roll: Oy , me too!!!!!!!!!!

Most LOs don't have the nerve to say anything negative to a prospect
TN

 

[David S. Roberson]

Aye, aye, aye!