Why would an FHA appraisal mark no deck? Listing vs Appraisal pics

[Tom D]

you bought the house with an home inspection yes/no. there was no concern from you when you signed the agreement of sale about a handrail, or some other issues. FHA is a very beat you over the head appraiser if you don't follow their rules. the best you can hope for is sending it to an FHA field office with the hope they will review it. and they are anal about doing their reviews. and they do post closing reviews with their quality control. they do want pictures of every deck, patio, shed, etc with it on the drawing. you can let them beat him with a big stick, if you are correct here.
but, that being said. why are you concerned 3 years later as we are all asking. so you have no responsibility in having any issue fixed that you cared about, when you signed the agreement of sale. you are angry now, and we will all throw stones at that appraiser, if so deserved, for your suffering.

 

[Elliott]

The OP strikes a recurrent theme. There are aspects of this being the story of the 'Boy Who Cried Wolf' so many times that the towns people (us) are starting to ignore him. But he wants to be credited like 'The Little Dutch Boy Who Saved Holland' by shaming his appraiser, but he really want us to shame all appraisers, expecting us to engage in a sort of self-flagellation. And that becomes interesting because currently, PAVE and the GSEs are expecting us to similarly flog ourselves for systemic racial biases by not supporting higher values for all properties. With few exceptions, and we know who they are, appraisers begin with a humble expectation of trying to derive a value opinion from mud, crafting observations, information, and experience into something useful to the financial world that they are willing to pay for. The minutia of description has never meant much compared to the fun of seeing numbers in your mind that emerge from a screen (use to be paper). No one talks about the art of appraising anymore.

It reminds me of a story. I once did the same property in the span of three years. In the first report I mentioned some deck rot and required it be repaired, since it was a purchase (FHA safety). As I was preparing the second appraisal for a refinance the phone rang and I delt with an unrelated issue for 5-minutes, and then returned to the description of the property. I thought I had completed the front page and was ready to start comparable selection. But that is where I was wrong. Two weeks later I got a call from the homeowner demanding his $450 fee returned immediately or he would turn me into the State of Oregon. I asked him why and he said the report had an error, it says there is some deck rot and anyone who was competent could see there wasn't any rot. It took me a moment and I had figured out what had happened. I had used the first report as a skelton for the second and skipped over the dscription part when I was distracted by the phone call. I explained to the HO that I had made a mistake and would send a correction to the lender immediately. But that wasn't going to satisify him. He wanted all his money back because of the error or else. I again told him, I would correct the error, and he was not going to have part or all of his money back, and if he wanted to file a complaint, he could, it was his right. And then I said, "You've closed on your loan, right?" and then asked him he had ever made a mistake in his work. He didn't respond and hung up the phone.

 

[Mark K]

Looking for the best word to describe this poster.....TROLL comes to mind.
Don't feed the trolls. Like a stray dog, they'll just keep coming back for more.

 

[Mark K]

..............

 

[BRCJR]

I would argue that is not a deck. It is a walkway........along the driveway.

 

[Tiffany Gibbons]

Now would be a great time for you to get into appraising. There are PAREA experience programs with tuition scholarships. No supervisors are require now, especially those who are careless and miss checking important boxes. The GSEs and AMCs are looking for people like you who are no nonsense, especially those who have a broad minded view of neighborhoods that align with census tracts.

It was an AMC with the fastest and cheapest appraisal who got her into this. She doesn't realize half the FHA appraisal "fee" went to the AMC. I don’t think she got a real home inspection and instead relied on the FHA appraisal and MPR's, which are supposed to be obvious repairs/violations of code, etc. She should re-read the sales contract page about home inspection vs. appraisal. This is buyer's remorse.