Burgess Appraisal

I have received your letter concerning the appraisal completed in PomeroyAS the letter did not state an address for this appraisal, I have reviewed my records and assume it to be *** *** **
This appraisal request was received on 08/26/with a due date of 09/16/The appraisal
request was received through an appraisal management companyThe appraisal was completed and delivered on m09/16/(the due date) to the appraisal management companyI have no control over the time between when I deliver reports to management companies and they are forwarded to the actual lenderIn this case, the management company originally supplied an incorrect FHA case number for the original orderWhen this was discovered, the report had to be amended and resent
To clarify, I am an appraiser, not a property or home inspectorI completed an appraisal per HUD guidelinesI did not complete a HUD home inspectionThe property had numerous deficiencies which are required to be corrected prior to qualification for HUD insurabilitycans of wasp spray were noted on site on the date of appraisal. It was hot and wasps were noted in abundance in the stairs leading to the cellarWere Mr *** there at that time he could have seen thisThe attic is actually in parts, One on the north side of the second floor and one and the south sideBoth are required to be accessibleNo access was available for the south side atticHUD states any defective paint (Chipped, peeling, bubbled) on homes built prior to is assumed to be lead based and must be correctedAn appraiser is not required to test for lead paintAs the paint was defective on the front porch area, it was called out as in need of correctionA lead based paint inspection was provided after the appraisal which stated this was not lead based paintI was not contacted and told the items I noted as deficient were "non-Issues"On the contrary, the lender, through the management company requested I re-inspect the attic accessI did this, at no charge and found one attic access, not the two requiredIn addition, I noted an additional wiring deficiency on the rear patioThe appraisal was not the reason this loan did not closeThe lead based paint report stated more than $5,in required lead based paint correctionsThis with numerous electrical defects would be required to be corrected prior to fundingThe property in question was not HUD insurable "as-is" and HUD typically does not complete repairsThis does not remove the need for the appraiser to state all needed repairs required under HUD guidelinesMr *** continues in his complaint to state in his desired settlement that I am well known as someone you do not want anywhere near a mortgageThis is comical as I have completed more than 10,appraisals over nearly years with no complaintsI do not make HUD guidelines, I am hired to complete an appraisal which notes if a property is in complianceI do not decide on which loans are made, the lender and HUD doMr *** is incorrect in his statements and ignorant in regard to HUD, appraisals, and lender requirements

Complaint: [redacted]I am rejecting this response because:
Appriaser made several incorrect and or not in his prerogative assessments during his appraisal of the property.  The front porch is not attached to the structure of the house, is made of pressure treated wood, and therefor requires nothing, certainly not $500 worth of remediation.  
You made a free return to verify the attic access because you failed to see it the first time, not out of the goodness of your heart. 
You called out that electricity was not on.  Had you actually turned the main switch on the panel on, you would have seen that the panel had power for over a month at that point.
You called out the electrical panel as needing to be replaced, another falsehood.  The electrical panel has never been recalled in the USA, and parts are still readily available.  
You failed to enter the basement because of wasps.  Had I been there, I would have offered to hold your hand and shoo them away.  One would think an appraiser would come prepared to deal with such things.  Instead you recommend $300 for remediation.
I have had the misfortune of find out about the quality to your work and history after the appraisal was completed.  The arguement that you have never relieved a complaint is blatantly false, as I know for a FACT that there are banks and bankers that specifically state you are not to complete the appraisal of property.  Furthermore, it appears you have basically been run out of the Moscow Pullman market.  Why?  For being constantly late, undervaluing properties, and overstepping your boundaries.  Going so far as to recommend against the purchase of properties on commercial loans, working far beyond the scope of your job.  
The tragity here is that this is the only way you can be held accountable for the crap job you do now that bankers and real estate agents are not allowed to choose who they work with.  My real estate agent and lender both agree that you have overstepped and under delivered.  
Sincerely,[redacted]