Subject Meets Mpr Or Mps Statement...

[Terrel L. Shields]

They don't trust you anyway so why do they want it in the report? I assume they just haven't go anything better to do but screw with ya.

 

[CANative]

They don't trust you anyway so why do they want it in the report? I assume they just haven't go anything better to do but screw with ya.

The declarative statement is required.

 

[RSW]

If I were a lender, and I looked in on this forum, and noted that there are arguments about what is required of inspections of crawl spaces and attics, I would be inclined to require an affirmative statement about an appraiser's complying with the HUD protocol for inspections.

What? I'm not sure if I understand your comment. Please clarify.

 

[Terrel L. Shields]

The declarative statement is required

Isn't that like Richard Nixon saying, "I am not a crook."...it's meaningless.

 

[CANative]

Isn't that like Richard Nixon saying, "I am not a crook."...it's meaningless.

I can tell you've never done an FHA appraisal and I can see that you're not on the panel. So I understand your comment.

 

[Peter LeQuire]

What? I'm not sure if I understand your comment. Please clarify.

I may have a different opinion than you, but I think that HUD's attic and crawl space inspection requirements are unequivocal: inspection of all of these areas is required. If all of these areas can be observed by entering them only to the extent that one's head and shoulders are needed to be in them, then head and shoulders entry is adequate. If, on the other hand, any portion of these areas cannot be inspected with only one's head and shoulders in them, then the appraiser is required to enter them to the extent necessary to inspect all of them. The requirement is to inspect all of these areas. Simply putting one's shoulders in the attic or crawl (assuming one's head is on top of her shoulders) does not satisfy the requirement if all of those areas cannot be observed.

A lender looking in on this forum and seeing that there are more than a few appraisers who argue that the requirement to inspect is satisfied by head and shoulders entry regardless of whether all of those areas can be inspected from them would - justifiably - come away believing that a number of appraisers are not complying with HUD's inspection protocol. And, a lender wanted to keep doing HUD loans, would be prudent to take some step to at least have the loan file give the appearance of their making the effort to be sure appraisers are doing what they're supposed to.

If I am wrong in thinking what I do about the crawl/inspection requirement, I will be happy to be corrected.

This documentation overkill is likewise reflected in some of the really stupid requirements appraisers are faced with. It lenders trusted appraisers, why in the world would they require pictures of lights on, water running and toilets flushing? Answer - there are appraisers who misrepresent their complying with the HUD inspection protocol, that cause homeowners to have incur (sometimes significant) expense and that result in claims being paid by HUD when loans defaulted.

I understand that appraisers who are complying are offended by these pile on requirements brought about by those who are not. I am. Whether the client's requirement is phrased in a way that is grammatically correct, and whether it is redundant, are irrelevant. As long as we have people peeing in the well, we'll all have to boil the water.

Rant. Comply. Get paid.

 

[RSW]

So, are you saying that you climb into the crawlspace and scuttle around on your knees and belly to inspect every inch of the crawlspace? Are you saying you climb through every attic scuttle and inspect every corner of the attic?

I look for problems on the exterior of the roof when doing my inspection. If I find a problem area or potential problem area I will look in the attic at that area. I also look to see if the attic is properly vented and I look for exposed wires, and signs of fire damage. I take several photos of the attic and can zoom in on the photos on my computer also. A lot of this can be done at the scuttle opening. Sometimes it is necessary to enter the scuttle to see obstructed areas of the attic. Now, concerning the crawlspace, I do a head & shoulders inspection from the entry. I take several photos and shine my flashlight in to see. I like to concentrate on the lower end of the foundation when looking for moisture and water. I also like to look on the upper end if the dwelling is up against a hillside or the grading does not provide positive drainage away from the foundation. So, No, I don't go into every crawlspace and I don't enter into every attic. It is not necessary all the time.

My original post was concerning the statement that I inspected the attic and it meets HUD/FHA's MPRs per 4150.2 and 4905.1 and that I also inspected the crawlspace and it meets HUD/FHA's MPRs per 4150.2 and 4905.1. That statement is not required even though the inspection of those areas are.

 

[Peter LeQuire]

So, are you saying that you climb into the crawlspace and scuttle around on your knees and belly to inspect every inch of the crawlspace? Are you saying you climb through every attic scuttle and inspect every corner of the attic?

I look for problems on the exterior of the roof when doing my inspection. If I find a problem area or potential problem area I will look in the attic at that area. I also look to see if the attic is properly vented and I look for exposed wires, and signs of fire damage. I take several photos of the attic and can zoom in on the photos on my computer also. A lot of this can be done at the scuttle opening. Sometimes it is necessary to enter the scuttle to see obstructed areas of the attic. Now, concerning the crawlspace, I do a head & shoulders inspection from the entry. I take several photos and shine my flashlight in to see. I like to concentrate on the lower end of the foundation when looking for moisture and water. I also like to look on the upper end if the dwelling is up against a hillside or the grading does not provide positive drainage away from the foundation. So, No, I don't go into every crawlspace and I don't enter into every attic. It is not necessary all the time.

My original post was concerning the statement that I inspected the attic and it meets HUD/FHA's MPRs per 4150.2 and 4905.1 and that I also inspected the crawlspace and it meets HUD/FHA's MPRs per 4150.2 and 4905.1. That statement is not required even though the inspection of those areas are.

For HUD appraisals, I go into those areas to the extent necessary to see all of them. For a 900 sf ranch in Eagleton Village, that can generally be done from the scuttle. For a 2,200 sf L-shaped house with a massive masonry fireplace located under the roof's ridge line, I have to scuffle my chubby little tookus - crawling on my belly like a reptile or balancing on the ceiling joists - enough to look behind it. I suppose that could be called toe nail entry, but I don't find that in the protocol.

 

[Mike Ault]

My original post was concerning the statement that I inspected the attic and it meets HUD/FHA's MPRs per 4150.2 and 4905.1 and that I also inspected the crawlspace and it meets HUD/FHA's MPRs per 4150.2 and 4905.1. That statement is not required even though the inspection of those areas are.

Although it is hard to prove that you don’t have to make a statement here is what HUD said on the issue in a webinar Q&A.

Question - We know the appraiser must inspect the attic by head and shoulder. I have been told that HUD does not require the appraiser to comment they inspected the attic via head and shoulder, therefore, how can the DE underwriter verify it was inspected. I have been told that I should not ask the appraiser to comment on appraisal that Attic was inspected by head and shoulder. Please advise

Answer- The appraiser is aware the attic inspection is a requirement. It is not the lenders responsibilty to assure the attic was inspected

 

[Terrel L. Shields]

I can tell you've never done an FHA appraisal and I can see that you're not on the panel.

Actually I did FHA for about 10 years, but it has been about 7 or more since I've done one. The fact I "did" what I was supposed to does not mean I didn't recognize the stupidity of self-declaratory statements that are hollow.

The STBTCB - (straw that broke ...) was when I DID the crawl space inspection, found an issue, and all they wanted to whine about was a borrower with the same name as I had...no kin, I had never even heard of him...

So,...

Question - We know the appraiser must inspect the attic by head and shoulder. I have been told that HUD does not require the appraiser to comment they inspected the attic via head and shoulder, therefore, how can the DE underwriter verify it was inspected. I have been told that I should not ask the appraiser to comment on appraisal that Attic was inspected by head and shoulder. Please advise

Answer- The appraiser is aware the attic inspection is a requirement. It is not the lenders responsibilty to assure the attic was inspected​

Again, does a declarative statement "prove" anything? Is it impossible to lie? The stupidity of making such a meaningless statement should speak for itself.