Home Appraiser wants to take photos i...
Stinky

Monroe, NC

#22 Jan 13, 2013
Knitter9 wrote:
They legally cannot do that. Greedy banks. Can you get an atty to draw up a deed and deed it back to them? Atty Joe Delk is fair and will help you. He is a kind soul. Let me know if that doesn't work and I will try to help you. If you can record them saying you cannot do a Deed in Lieu of, hang onto that. I can help you. Is the bank a local bank by chance?
A large regional bank. I have offered Deed in Lieu. They asked for info. I provided. They said, in writing, "we will consider, but in the meantime we will continue foreclosure." This was a bank that solicited me for the loan. They wanted to give me 130% of the appraised value with nothing down to accommodate the up-fitting needed on the house. Get this...a condition of the loan was payment to an officer of the bank for $20,000. At the time I thought it was still a deal and made the payment. Market went south and we've not been able to sell the house. I made regular payments for 3 years. They made a demand for cure. I put up another property to get 12 months forbearance and no payments to continue to try and sell. Still no luck selling. I had 3 short-sale offers but bank was too slow considering and I lost them. Now they are foreclosing fast (I just got the papers). I offered non-disclosure and mediation, too. They rejected everything. I am inclined to go public.
Knitter 9

Greer, SC

#23 Jan 14, 2013
If you will leave an email, I know an atty who can help you free of charge. He is part of atty referral program. You can also.file a synth with the court regarding your foreclosure that your bank is refusing the Deed in Lieu of Foreclosure. Tell the jerk off foreclosure attys (probably Brock and Scott) you want the Deed in Lieu of. Or whomever is handling the foreclosure, type a statement that you want a Deed in Lieu of Foreclosure, and the bank or foreclosing atty refuse you that legal right. Copy the top of the page exactly as each legal document you receive. In example.
IN THE GENERAL COURT OF JUSTICE. blah blah blah. Copy that first section exactly as it appears. For the title of your document, list the following: Foreclosure atty and bank refuse me to execute Deed in Lieu of Foreclosure

Sign and date it with your address. Make 4 copies and if you have any copies of your documents from the atty handling the foreclosure, copy the page titled CERTIFICATE OF SERVICE. Go to the Clerk and get each file stamped. Mail 1 to the atty, then 1 to the bank. See how quickly you get that Deed In Lieu Of Foreclosure they deny you. If you can fax copies or email clerk stamped copies, even better. It shows how crooked banks and attys are. If you file Chapter 13, even 10 days after the sale, the bank still has to work out a payment plan with you. Brian Elliott is great and works with people. But please leave an email or provide your address of the property and atty handling foreclosure. They need to be reported.
Stinky

Monroe, NC

#24 Jan 15, 2013
Knitter 9 wrote:
If you will leave an email, I know an atty who can help you free of charge. He is part of atty referral program. You can also.file a synth with the court regarding your foreclosure that your bank is refusing the Deed in Lieu of Foreclosure. Tell the jerk off foreclosure attys (probably Brock and Scott) you want the Deed in Lieu of. Or whomever is handling the foreclosure, type a statement that you want a Deed in Lieu of Foreclosure, and the bank or foreclosing atty refuse you that legal right. Copy the top of the page exactly as each legal document you receive. In example.
IN THE GENERAL COURT OF JUSTICE. blah blah blah. Copy that first section exactly as it appears. For the title of your document, list the following: Foreclosure atty and bank refuse me to execute Deed in Lieu of Foreclosure
Sign and date it with your address. Make 4 copies and if you have any copies of your documents from the atty handling the foreclosure, copy the page titled CERTIFICATE OF SERVICE. Go to the Clerk and get each file stamped. Mail 1 to the atty, then 1 to the bank. See how quickly you get that Deed In Lieu Of Foreclosure they deny you. If you can fax copies or email clerk stamped copies, even better. It shows how crooked banks and attys are. If you file Chapter 13, even 10 days after the sale, the bank still has to work out a payment plan with you. Brian Elliott is great and works with people. But please leave an email or provide your address of the property and atty handling foreclosure. They need to be reported.
Thank you. My email is [email protected]
My Conclusion

Hickory, NC

#25 Jan 15, 2013
Good Luck Stinky... I am still in the Short sale process with Midland Mortgage. No offers have met their requirements so far.
I've been told "like you were" that the "Deed in Lieu of Foreclosure" is up to the Mortgage company.
I was told by my short sale lawyer that the Mortgage Company can accept or reject the "Deed in Lieu".
Maybe Knitter 9 knows more than my short sale attorney.
ASU FAn

Wauseon, OH

#26 Jan 15, 2013
Been appraising real estate for over 15 years. The digital camera has always been with me at every inspection, lenders require interiot photos on every assignment. You guys are wasting alot of time discussing something that is just routine lender requirements. If you don't want the appraiser in your house then do NOT have it appraised, because I would decline the assignment.
Stinky

Monroe, NC

#27 Jan 15, 2013
ASU FAn wrote:
Been appraising real estate for over 15 years. The digital camera has always been with me at every inspection, lenders require interiot photos on every assignment. You guys are wasting alot of time discussing something that is just routine lender requirements. If you don't want the appraiser in your house then do NOT have it appraised, because I would decline the assignment.
Thanks, but you did not read the trail of posts. I did NOT order the appraisal. The bank foreclosing on me did. You may also find with some research that this has been a topic of interest nationally. Some folks do NOT want inside photos. Some don't want appraisals ordered by others that are billed to the homeowner, period.
Stinky

Monroe, NC

#28 Jan 15, 2013
My Conclusion wrote:
Good Luck Stinky... I am still in the Short sale process with Midland Mortgage. No offers have met their requirements so far.
I've been told "like you were" that the "Deed in Lieu of Foreclosure" is up to the Mortgage company.
I was told by my short sale lawyer that the Mortgage Company can accept or reject the "Deed in Lieu".
Maybe Knitter 9 knows more than my short sale attorney.
Voluntary surrender of a deed versus the deed being seized by foreclosure: It seems to me that a financial institution should not be able to refuse a surrender.
lizardbate

Lincolnton, NC

#29 Jan 15, 2013
If you have been in some houses I've been in, some people are flat out NASTY!!!!! I don't blame a financial institution requiring in home pictures. Some of the houses I've been in I would not loan them a dime!!!!!!But, usually looking outside tells you what the inside looks like.
Stinky

Monroe, NC

#30 Jan 16, 2013
Did some research:

Banks can refuse Quit Claim Deeds. You cannot force them to accept...if the property is worth less than the amount owed, you'd be forcing them to accept a loss. If there are liens (i.e. un-paid taxes), you'd be handing them additional losses. In fact, if the property is lien free and worth more than the amount owed, you cannot force them to take the deed, for you cannot force a gift.

Summary: banks always win.
My Conclusion

Hickory, NC

#31 Jan 16, 2013
Stinky wrote:
Did some research:
Banks can refuse Quit Claim Deeds. You cannot force them to accept...if the property is worth less than the amount owed, you'd be forcing them to accept a loss. If there are liens (i.e. un-paid taxes), you'd be handing them additional losses. In fact, if the property is lien free and worth more than the amount owed, you cannot force them to take the deed, for you cannot force a gift.
Summary: banks always win.
That’s also what I was told by the short sale lawyer. I don’t like it but there it is. I have a potential buyer looking at my property today so hopefully I’m going to get out from under this soon.
Good Luck with your foreclosure!
Appraiser Opinion

Cary, NC

#32 Jan 17, 2013
I have been appraising for more than 10 years and I am still uncomfortable with the newer requirements for taking and including interior photos. Some of the lenders and AMC's are requiring photos of every room of the home. So far I have been able to afford to turn these order down as I believe they are too intrusive and I do not take photos of children's bedrooms. I have been in beautiful homes with priceless antiques, etc and I am not comfortable taking photos, providing a floor plan and maybe stating whether or not they have a security system. I have had a criminal background check but I do not believe most of lender/mortgage co and bank employees have.(5 times I have been issued new credit card because bank ee's have sold info). I am amazed how many people don't mind and don't complain and protest to anyone who will listen. You should be able to expect some level of privacy. COMPLAIN LOUD!
Knitter9

Greer, SC

#33 Jan 18, 2013
So you do not form over any money yourself, I'm doing to find and post the MHA and Hope for America numbers. They need to know about these looser banks. Who is this sorry mortgage co?
Knitter9

Greer, SC

#34 Jan 18, 2013
Stinky wrote:
<quoted text>
Thank you. My email is [email protected]
Sleazy banks. I am going to email you some more questions. If you haven't left the house yet, you can buy time with lender by applying for HAMP ...this stops it all. Now Chapter 13 is another thing and Judges of Bankruptcy Court art making sure the homeowners are given modification to suit their payment plan. Youku can file Chapter 13 up to 10 days after the sale. Sounds like the lender is just out for blood. They want to take the house back and make you continuing paying them while they have resold the property and another family lives there. You have rights too. Look for my email.
Knitter9

Greer, SC

#35 Jan 18, 2013
Stinky wrote:
<quoted text>
Voluntary surrender of a deed versus the deed being seized by foreclosure: It seems to me that a financial institution should not be able to refuse a surrender.
.

I agree. Then come after you monthly for the next 30 years for payment for something they took back. I don't agree with it. Obama has so many programs in place now, its kind of wonderful really. But, these banks are trying every loophole possible to sock it to homeowners anyway. Most get furious when you apply for HAMP or MHA ....strings were attached to those bailout funds thank goodness, so they have to help you. And to boot, the number of unemployment, empty houses and real estate market in Caldwell. The bank acts like they have lost their shirts but they get their money back one way or another. I work with several bankers on a project in Charlotte (telecommute from Lenoir). And none work for less than 6 digits for not doing a lot of anything. Two of the head attys make 7 digits or better. Greed greed greed. I don't know how they sleep at night.
jason

India

#36 Oct 15, 2013
Dont suspect your appraiser, previously when i had my appraisal done, the realtor took photos inside my house, its just a formality that realtors follow.
appraiser

Ridgeview, WV

#37 Feb 18, 2014
Stinky wrote:
A bank wants an appraisal on my home. Appraiser says he is required to take inside photos. I ask why. He doesn't know, but I suspect it is because appraisers are sometimes getting paid and not doing the work. Inside pictures make sure they are "at" the house. So...a homeowner is inconvenienced because some appraisers commit fraud.
PS: Guess who pays for the appraisal, too?
Let's make something clear, your bank makes all kinds of demands, and just when you think it can't get anymore stupid it does, AMC's and these morons that don't know shit from shinola, sit around thinking up things to keep them in a job, the other day I got a memo telling me how to take a picture yeah "How to take a picture" I have taken thousands of photos of homes and the lenders started requiring photos on the interior of homes several years ago, not to prove the appraiser was there but to back up condition as many times deferred maintainence damage etc are present and then the loan officer or the lender want to challenge you about it. Like they were there and saw the property and the condition, we have regulations and standards to adhere to loan officers and banks do not. Also who do you think is going to pay for the appraisal ? That is going to determine the value so the lender knows how much money they can lend you? And yes we do not work for free, the federal government makes the rules that a lender has to have a certified qualified appraiser determine the value this is to protect you as well stupid. Do you really think the bank is going to lend you money without knowing what the value is?
appraiser

Ridgeview, WV

#38 Feb 18, 2014
s lewis wrote:
Century 21 you don't have to be so mean. I sure wouldn't let you sell my house because you are calling your customers dummies.Where is your good customer service. You really have to be careful who you let in your house.
It went down the drain along side all the intelligence you thought you had
appraiser

Ridgeview, WV

#39 Feb 18, 2014
its like this wrote:
Big Brother likes to watch.... watch what? Still photos of your bathroom, kitchen, and den. What could they possibly do with that and who cares.
Anyways if you owe on your home... it isn't your home, its the banks home until you get that paid mortgage in your hand and burn it. They have a right to see what you are doing with something they may have to sell if you cant meet your obligations. You wouldn't buy a house from just looking at the outside, they dont want to be stuck with a bad investment either... not that I have a lot of sympathy for banks, that's just how it is.
Yeah you know all those documents you signed at settlement? You know the stack about 1 inch thick that you did not read? That is when you missed the clause that says the lender may enter the subject at any reasonable time to asertain the condition of the property because like the earlier person said you don't own that house until it is paid for the bank owns that house.
Big Johnson

Lenoir, NC

#40 Feb 18, 2014
Stinky wrote:
A bank wants an appraisal on my home. Appraiser says he is required to take inside photos. I ask why. He doesn't know, but I suspect it is because appraisers are sometimes getting paid and not doing the work. Inside pictures make sure they are "at" the house. So...a homeowner is inconvenienced because some appraisers commit fraud.
PS: Guess who pays for the appraisal, too?
Watch out for garments missing from your underwear drawer. Those guys are sicko.
abrunze21

Spring Hill, FL

#41 Apr 12, 2015
Century 21 wrote:
You can not appraise a home from the out side....You Dummy.. Not Fraud, just doing the job...Bank need to know the worth of the home to make the loan.. You are the one that may be the fraud.
This guy should not be allowed to make posts. Century 21 should find out who this is…its an embarrassment to the company. Anyone calling anyone a "dummy"…really? It's not that they are questioning someone doing their job but in many ways photos of furniture, children's bedrooms etc can feel like an invasion of privacy. To have the gull to accuse someone of fraud due to concern shows the kind of person you are. You give real estate a bad name. Think prior to posting please

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