Figueroa Appraisal Services

Complaint ID No: [redacted] To Whom It May Concern,The above referenced complaint from Mr [redacted] has been receivedPlease note the following: 1) The appraisal having been completed for Mr [redacted] is a V A appraisal2) This appraiser is on the VA's fee panel to do work for them3) The complaint and letter from the Better Business was sent to the V A for documentation4) After speaking to [redacted] in the [redacted] of the [redacted] , I was reminded that I represent the eyes of the [redacted] , and that I have to follow federal regulations concerning Minimum Property Requirements for the V Anot what the borrower says will be doneTh is appraisal was completed as of the date of inspection5) If Mr [redacted] has a complaint, is dissatisfied with the value outcome, and/or the way the appraisal was completed, he is to contact the [redacted] [redacted] only, not the appraiserThere may be programs or alternatives that might be helpful to Mr [redacted] in obtaining a loan6) This appraiser does not have authority to change the appraisal to accommodate the borrower.7) All Minimum Property Requirements and loan requirements are found on line at the [redacted] web site8) If Mr [redacted] chooses to speak to someone at the [redacted] the phone number is ###-###-#### option 9) Needed information for the department to access his appraisal is [redacted] and/or the property address and name of the borrower10) This appraiser will not be returning any fee due to the dissatisfaction of the borrowerHe must follow protocol and contact the [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below[redacted] made some incompetent observations and did not use the "judgement" which is specified by the VA and the federal and state assessment guidelinesShe stated the garage door opener did not work which was not trueIt did work as I explained to her, the door was just lockedAll she had to do was unlock the latchShe instead chose to devalue the home $As for the tiles and wall outlet covers, I told her they were on hand, she even saw the tiles, and as any normally functioning mind could see I had done a lot of stucco, tile and wall repairs alreadyThe "comps" should have led her to appraise at a higher valueThe assessor is not following the VA guidelines and I intend to speak with them about this Regards, [redacted]

Figueroa Appraisal Services [redacted] Yuma, AZ 85364June 22, 2015RE: [redacted] Complaint ID # [redacted] To Whom It May Concern,This letter is in repsonse to your request dated Wednesday, June 10,Per Federal Regulations some ofwhich include the H.R4173- the [redacted] ***, and the [redacted] [redacted] [redacted] which is authorized by [redacted] as the [redacted] [redacted] [redacted] , I have completed my due diligence on the appraisal of Mr [redacted] 's property What Mr [redacted] does not understand is that this appraisal was completed"Subject To" repairs listed in the report That means that the final estimated market value is based onthe repairs having been completedBy [redacted] regulations it is the appraiser's duty to l ist noted items of deferred maintenance in the "as is" condition at the time of inspection, and not based on what the owner says "will" be completed.As for the refund of Mr [redacted] 's appraisal fee, this appraiser will not refund it If all borrowers who were dissatisfied with the outcome of their appraisal value and then made the appraiser refund their money, the appraiser puts himself in something other than a disinterested third party and the lender at riskAgain, this follows the [redacted] standards where the appraiser has to be a disinterested third partyThe VA expects their appraisers to be the eyes for them and gu ide them in making correct lending decisions.Again, Mr [redacted] needs to follow up with the VA on any concerns, dissatisfactions or questions he may have.Thank you

Complaint ID No: [redacted] To Whom It May Concern, The above referenced complaint from Mr [redacted] has been receivedPlease note the following: 1) The appraisal having been completed for Mr [redacted] is a V A appraisal2) This appraiser is on the VA's fee panel to do work for them3) The complaint and letter from the Better Business was sent to the V A for documentation4) After speaking to [redacted] in the [redacted] of the [redacted] , I was reminded that I represent the eyes of the [redacted] , and that I have to follow federal regulations concerning Minimum Property Requirements for the V Anot what the borrower says will be doneTh is appraisal was completed as of the date of inspection5) If Mr [redacted] has a complaint, is dissatisfied with the value outcome, and/or the way the appraisal was completed, he is to contact the [redacted] [redacted] only, not the appraiserThere may be programs or alternatives that might be helpful to Mr [redacted] in obtaining a loan6) This appraiser does not have authority to change the appraisal to accommodate the borrower.7) All Minimum Property Requirements and loan requirements are found on line at the [redacted] web site8) If Mr [redacted] chooses to speak to someone at the [redacted] the phone number is ###-###-#### option 9) Needed information for the department to access his appraisal is [redacted] and/or the property address and name of the borrower10) This appraiser will not be returning any fee due to the dissatisfaction of the borrowerHe must follow protocol and contact the [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
*** *** made some incompetent observations and did not use the "judgement" which is specified by the VA and the federal and state assessment guidelinesShe stated the garage door opener did not work which was not trueIt did work as I explained to her, the door was just lockedAll she had to do was unlock the latchShe instead chose to devalue the home $As for the tiles and wall outlet covers, I told her they were on hand, she even saw the tiles, and as any normally functioning mind could see I had done a lot of stucco, tile and wall repairs alreadyThe "comps" should have led her to appraise at a higher valueThe assessor is not following the VA guidelines and I intend to speak with them about this.
Regards,
*** ***

Figueroa  Appraisal  Services[redacted]Yuma, AZ  85364June 22, 2015RE:  [redacted]Complaint ID #[redacted]To Whom It May Concern,This letter is in repsonse to your request dated Wednesday, June 10,2015. Per Federal Regulations some ofwhich include the H.R. 4173-  the [redacted], and the [redacted]  which is authorized by [redacted] as the [redacted], I have completed my due diligence  on the appraisal  of Mr. [redacted]'s property.   What Mr. [redacted]  does not understand is that this appraisal  was completed"Subject  To" repairs listed in the report.  That means that the final estimated  market value is based onthe repairs having  been completed. By [redacted]  regulations it is the appraiser's duty to l ist noted items of deferred  maintenance in the "as is" condition at the time of inspection, and not based on what the owner says "will"  be completed.As for the refund of Mr. [redacted]'s appraisal  fee, this appraiser  will not refund  it.  If all borrowers who were dissatisfied with the outcome of their appraisal  value and then made the appraiser  refund  their money, the appraiser  puts himself  in something other than a disinterested third party and the lender at risk. Again, this follows the [redacted]  standards where the appraiser  has to be a disinterested third party. The VA expects their appraisers  to be the eyes for them and gu ide them in making  correct lending decisions.Again, Mr. [redacted]  needs to follow  up with the VA on any concerns, dissatisfactions or questions he may have.Thank  you.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.[redacted] made some incompetent observations and did not use the "judgement" which is specified by the VA and the federal and state assessment guidelines. She stated the garage door opener did not work which was not true. It did work as I explained to her, the door was just locked. All she had to do was unlock the latch. She instead chose to devalue the home $500.00. As for the tiles and wall outlet covers, I told her they were on hand, she even saw the tiles, and as any normally functioning mind could see I had done a lot of stucco, tile and wall repairs already. The "comps" should have led her to appraise at a higher value. The assessor is not following the VA guidelines and I intend to speak with them about this. 
Regards,
[redacted]

Figueroa  Appraisal  Services
[redacted]Yuma, AZ  85364June 22, 2015RE:  [redacted]Complaint ID #[redacted]To Whom It May Concern,This letter is in repsonse to your request dated Wednesday, June 10,2015. Per Federal Regulations some ofwhich include the H.R. 4173-  the [redacted], and the [redacted]  [redacted]  [redacted]  which is authorized by [redacted] as the [redacted]  [redacted]  [redacted], I have completed my due diligence  on the appraisal  of Mr. [redacted]'s property.   What Mr. [redacted]  does not understand is that this appraisal  was completed"Subject  To" repairs listed in the report.  That means that the final estimated  market value is based onthe repairs having  been completed. By [redacted]  regulations it is the appraiser's duty to l ist noted items of deferred  maintenance in the "as is" condition at the time of inspection, and not based on what the owner says "will"  be completed.As for the refund of Mr. [redacted]'s appraisal  fee, this appraiser  will not refund  it.  If all borrowers who were dissatisfied with the outcome of their appraisal  value and then made the appraiser  refund  their money, the appraiser  puts himself  in something other than a disinterested third party and the lender at risk. Again, this follows the [redacted]  standards where the appraiser  has to be a disinterested third party. The VA expects their appraisers  to be the eyes for them and gu ide them in making  correct lending decisions.Again, Mr. [redacted]  needs to follow  up with the VA on any concerns, dissatisfactions or questions he may have.Thank  you.

Complaint ID No: [redacted] To Whom It May Concern,The above referenced complaint from Mr. [redacted] has been received. Please note the following: 1) The appraisal having been completed for Mr. [redacted] is a V A appraisal. 2) This appraiser is on the VA's fee panel to do work for them. 3) The...

complaint and letter from the Better Business was sent to the V A for documentation. 4) After speaking to [redacted] in the [redacted] of the [redacted], I was reminded that I represent the eyes of the ** [redacted], and that I have to follow federal regulations concerning Minimum Property Requirements for the V A. not what the borrower says will be done. Th is appraisal was completed as of the date of inspection. 5) If Mr. [redacted] has a complaint, is dissatisfied with the value outcome, and/or the way the appraisal was completed, he is to contact the [redacted]only, not the appraiser. There may be programs or alternatives that might be helpful to Mr. [redacted] in obtaining a loan. 6) This appraiser does not have authority to change the appraisal to accommodate the borrower.7) All Minimum Property Requirements and loan requirements are found on line at the [redacted] web site. 8) If Mr. [redacted] chooses to speak to someone at the [redacted] the phone number is ###-###-#### option 3. 9) Needed information for the department to access his appraisal is [redacted] and/or the property address and name of the borrower. 10) This appraiser will not be returning any fee due to the dissatisfaction of the borrower. He must follow protocol and contact the [redacted] .

Complaint ID No: [redacted]
To Whom It May Concern,
The above referenced complaint from Mr. [redacted] has been received. Please note the following: 1) The appraisal having been completed for Mr. [redacted] is a V A appraisal. 2) This appraiser is on the VA's fee panel to do work for...

them. 3) The complaint and letter from the Better Business was sent to the V A for documentation. 4) After speaking to [redacted] in the [redacted] of the [redacted], I was reminded that I represent the eyes of the ** [redacted], and that I have to follow federal regulations concerning Minimum Property Requirements for the V A. not what the borrower says will be done. Th is appraisal was completed as of the date of inspection. 5) If Mr. [redacted] has a complaint, is dissatisfied with the value outcome, and/or the way the appraisal was completed, he is to contact the [redacted]only, not the appraiser. There may be programs or alternatives that might be helpful to Mr. [redacted] in obtaining a loan. 6) This appraiser does not have authority to change the appraisal to accommodate the borrower.7) All Minimum Property Requirements and loan requirements are found on line at the [redacted] web site. 8) If Mr. [redacted] chooses to speak to someone at the [redacted] the phone number is ###-###-#### option 3. 9) Needed information for the department to access his appraisal is [redacted] and/or the property address and name of the borrower. 10) This appraiser will not be returning any fee due to the dissatisfaction of the borrower. He must follow protocol and contact the [redacted] .

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.[redacted] made some incompetent observations and did not use the "judgement" which is specified by the VA and the federal and state assessment guidelines. She stated the garage door opener did not work which was not true. It did work as I explained to her, the door was just locked. All she had to do was unlock the latch. She instead chose to devalue the home $500.00. As for the tiles and wall outlet covers, I told her they were on hand, she even saw the tiles, and as any normally functioning mind could see I had done a lot of stucco, tile and wall repairs already. The "comps" should have led her to appraise at a higher value. The assessor is not following the VA guidelines and I intend to speak with them about this. 

Regards,

Figueroa  Appraisal  Services
[redacted]Yuma, AZ  85364June 22, 2015RE:  [redacted]Complaint ID #[redacted]To Whom It May Concern,This letter is in repsonse to your request dated Wednesday, June 10,2015. Per Federal Regulations some ofwhich include the H.R. 4173-  the [redacted], and the [redacted]  which is authorized by [redacted] as the [redacted], I have completed my due diligence  on the appraisal  of Mr. [redacted]'s property.   What Mr. [redacted]  does not understand is that this appraisal  was completed"Subject  To" repairs listed in the report.  That means that the final estimated  market value is based onthe repairs having  been completed. By [redacted]  regulations it is the appraiser's duty to l ist noted items of deferred  maintenance in the "as is" condition at the time of inspection, and not based on what the owner says "will"  be completed.As for the refund of Mr. [redacted]'s appraisal  fee, this appraiser  will not refund  it.  If all borrowers who were dissatisfied with the outcome of their appraisal  value and then made the appraiser  refund  their money, the appraiser  puts himself  in something other than a disinterested third party and the lender at risk. Again, this follows the [redacted]  standards where the appraiser  has to be a disinterested third party. The VA expects their appraisers  to be the eyes for them and gu ide them in making  correct lending decisions.Again, Mr. [redacted]  needs to follow  up with the VA on any concerns, dissatisfactions or questions he may have.Thank  you.

Complaint ID No: [redacted]
To Whom It May Concern,
The above referenced complaint from Mr. [redacted] has been received. Please note the following: 1) The appraisal having been completed for Mr. [redacted] is a V A appraisal. 2) This appraiser is on the VA's fee panel to do work for...

them. 3) The complaint and letter from the Better Business was sent to the V A for documentation. 4) After speaking to [redacted] in the [redacted] of the [redacted], I was reminded that I represent the eyes of the [redacted], and that I have to follow federal regulations concerning Minimum Property Requirements for the V A. not what the borrower says will be done. Th is appraisal was completed as of the date of inspection. 5) If Mr. [redacted] has a complaint, is dissatisfied with the value outcome, and/or the way the appraisal was completed, he is to contact the [redacted]only, not the appraiser. There may be programs or alternatives that might be helpful to Mr. [redacted] in obtaining a loan. 6) This appraiser does not have authority to change the appraisal to accommodate the borrower.7) All Minimum Property Requirements and loan requirements are found on line at the [redacted] web site. 8) If Mr. [redacted] chooses to speak to someone at the [redacted] the phone number is ###-###-#### option 3. 9) Needed information for the department to access his appraisal is [redacted] and/or the property address and name of the borrower. 10) This appraiser will not be returning any fee due to the dissatisfaction of the borrower. He must follow protocol and contact the [redacted] .