sailorboy
Sophomore Member
- Joined
- Sep 20, 2007
- Professional Status
- Certified Residential Appraiser
- State
- Washington
I just sent this comment to one of my clients that posted a bulletin about using MLS photos.
"I received your notice about MLS photos. I understand the requirements of FHA, FNMA, etc. about original comp photos. No one has discussed the issue of people in the yard. When the weather is nice here, everyone is out, which makes taking unobstructed photos difficult to impossible. I say impossible because I will NOT take a photo when someone is visible, especially when it is children. You may say that people can be edited out of the photo and that is true. The issue is taking the photo in the first place. If I do see an adult in the yard, I often approached them with a request to take a photo explaining that this will be happening for the next 6 months. The logic I use is that an appraiser had to take photos for their appraisal when they bought the home and now it is their turn. Most of the time this works and they are glad to talk about the home they just purchased. I have run into issues with homeowners in the past when I accidentally took a photo as a kid just ran out of a home at the same instant I took the photo. I have even been threatened with a gun and stopped by the police because a homeowner reported me taking photos. The camera I use has a 15-300 zoom on a DSLR so being discrete is not the issue. I will not take a photo when any person is in the yard regardless of what the requirements say. If you have a issue with this, please contact me. I always explain the situation in the report so there is no question as to why the MLS photo was used. I have no issue with taking photos of no trespassing signs or gated drives. There will be no original photos in my reports if there is anyone present in the yard, ever."
I was wondering what others do in this situation.
"I received your notice about MLS photos. I understand the requirements of FHA, FNMA, etc. about original comp photos. No one has discussed the issue of people in the yard. When the weather is nice here, everyone is out, which makes taking unobstructed photos difficult to impossible. I say impossible because I will NOT take a photo when someone is visible, especially when it is children. You may say that people can be edited out of the photo and that is true. The issue is taking the photo in the first place. If I do see an adult in the yard, I often approached them with a request to take a photo explaining that this will be happening for the next 6 months. The logic I use is that an appraiser had to take photos for their appraisal when they bought the home and now it is their turn. Most of the time this works and they are glad to talk about the home they just purchased. I have run into issues with homeowners in the past when I accidentally took a photo as a kid just ran out of a home at the same instant I took the photo. I have even been threatened with a gun and stopped by the police because a homeowner reported me taking photos. The camera I use has a 15-300 zoom on a DSLR so being discrete is not the issue. I will not take a photo when any person is in the yard regardless of what the requirements say. If you have a issue with this, please contact me. I always explain the situation in the report so there is no question as to why the MLS photo was used. I have no issue with taking photos of no trespassing signs or gated drives. There will be no original photos in my reports if there is anyone present in the yard, ever."
I was wondering what others do in this situation.