• Welcome to AppraisersForum.com, the premier online  community for the discussion of real estate appraisal. Register a free account to be able to post and unlock additional forums and features.

LO Dosn't Like Rear Photo

Status
Not open for further replies.

Joe Birrell (NY)

Thread Starter
Member
Joined
Jan 16, 2002
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)

Senior Member
Joined
Jan 17, 2002
Professional Status
Certified Residential Appraiser
State
Colorado
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

Elite Member
Joined
Jan 27, 2002
Professional Status
Real Estate Agent or Broker
State
North Dakota
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

Elite Member
Joined
Jan 16, 2002
Professional Status
Certified Residential Appraiser
State
Colorado
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.
 

Jeff Horton

Senior Member
Joined
Jan 15, 2002
Professional Status
Certified Residential Appraiser
State
Alabama
Way to go Dee Dee! I am still laughing at that one!
 

Nancy in Friday Harbor

Junior Member
Joined
Jan 16, 2002
Professional Status
Certified Residential Appraiser
State
Washington
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

Elite Member
Joined
Jan 14, 2002
Professional Status
Licensed Appraiser
State
Nebraska
Ayeam howling...

Thanks Dee Dee~!
 
Status
Not open for further replies.
Find a Real Estate Appraiser - Enter Zip Code

Copyright © 2000-, AppraisersForum.com, All Rights Reserved
AppraisersForum.com is proudly hosted by the folks at
AppraiserSites.com
Top

AdBlock Detected

We get it, advertisements are annoying!

Sure, ad-blocking software does a great job at blocking ads, but it also blocks useful features of our website. For the best site experience please disable your AdBlocker.

I've Disabled AdBlock
No Thanks