8. Insurance/Indemnity. Vendor agrees to carry General Liability and Errors and Omissions insurance at levels that are customary in the industry. To the extent that Vendor uses a vehicle in the delivery of the Services, Vendor shall carry automobile liability coverage in amounts that are customary in the industry. Vendor agrees to indemnify and hold Pro-Teck harmless from any and all liabilities, losses, or damages including reasonable attorney's fees incurred by Pro-Teck as a result of claims, demands, lawsuits or judgments arising from or in connection with Vendor’s performance under this Agreement.

Ohhhhhh.... a "head and shoulders" inspection made with an "elbow, hand and camera".� It's OK, I won't tell. :)

By the way, I've done the same, but I bought a collapsible ladder and I am very happy with it.� It's heavy, but it extends to 12' or so and collapses down to about 2'.�

Juan Restrepo
Chandler, AZ

�

On Mon, Nov 9, 2009 at 3:26 PM, Brian Davis <bjdavis@...> wrote:

�

Don �

�

I was only kidding with the picture about hauling a ladder in the MINI (wink)

�

Seriously though . . .I have a three-step stepladder with a tall �handle� that acts as a brace if I�m on the top step.�� That�s always been enough for me to stand on and at least get my camera hand into the scuttle for a few shots.�� I used to carry a camera mono-pod too . . .but I�m not doing that much FHA work nowadays, so I don�t anymore.

�

For occupied homes, I try to remember to ask the owner to provide access including a ladder if possible, when I make the appointment.

�

Between the two options, I�ve never had the need to carry a full sized or collapsible latter.

�

�

Brian & Angie Davis

Bear�s Den Cabin Owners

�

Bear's Den Gatlinburg.net

Bear's Den Smoky Mountain News Blog

VRBO - Bears Den Gatlinburg

Twitter - Bear's Den Cabin, TN

Facebook - Bear's Den Page

FlipKey Cabin Reviews

�

�

�

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Don Smith
Sent: Monday, November 09, 2009 4:12 PM

To: Total2000UsersGroup@yahoogroups.com
Subject: RE: [WinTOTAL Group] FHA Attic photo exceptions?

�

�

Brian, what is that ladder brand and type you use?

�

Don Smith
Sunrise Appraisal�Group
1125 Shawnee Road

Lima, Ohio 45805

�Voice Phone:�419-227-7070
�� Fax Phone: 419-227-4935
�� E-Mail:donsmith@...

�

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Brian Davis
Sent: Monday, November 09, 2009 3:44 PM
To: Total2000UsersGroup@yahoogroups.com
Subject: RE: [WinTOTAL Group] FHA Attic photo exceptions?

�

�

Liz �

�

This is what I haul in my MINI for FHA inspections . . . .

�

�

I figure you�ve got to be PREPARED!!! (wink)

�

NOTE: Skill saw for getting access to crawls and attics!

�

Brian J. Davis

Brian J. Davis & Associates

Bloomington, IL 61704

309 662-4070

�

Follow Me on Twitter

�

�

�

�

�

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Liz Buchanan
Sent: Monday, November 09, 2009 12:33 PM
To: Total2000UsersGroup@yahoogroups.com
Subject: RE: [WinTOTAL Group] FHA Attic photo exceptions?

�

�

All I can say about those telescoping ladders is OUCH. I�ve never opened one without at least one injury, albeit minor. Seems the smaller they fold down the harder they are to open.� Miata size? Whoa that�s small.

Liz

�

Elizabeth L. Buchanan

Providing Value to the Mississippi Gulf Coast

Mailto:Liz@...

phone 228-864-9040; fax 228-864-2570

Order your appraisal online!� www.AppraisingTheCoast.com

�

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Kathleen bryce
Sent: Monday, November 09, 2009 12:07 PM
To: Total2000UsersGroup@yahoogroups.com
Subject: Re: [WinTOTAL Group] FHA Attic photo exceptions?

�

I drive a Miata and DO take a ladder.� I found a telescoping one that will fit in the trunk.� BUT it weighs like 2,000 pounds and is a PITA to put up and put down and I always end up getting a pinched finger.� Frankly I just started charging too much to do FHA that I never get any assignments.�

�

What would happen if I fall off the ladder and break something more important than my pride?� Not worth it to me right now as the sole bread winner, chief cook and bottle washer around here..

�

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#124463

From: "Don Smith" <donsmith@...>
Date: Mon Nov 9, 2009 10:39 pm
Subject: RE: [WinTOTAL Group] FHA Attic photo exceptions?

nod975

Offline

Bear's Den Gatlinburg.net

Thanks Brian

Don Smith
Sunrise Appraisal Group
1125 Shawnee Road

Lima, Ohio 45805

Voice Phone: 419-227-7070
Fax Phone: 419-227-4935
E-Mail:donsmith@...

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Brian Davis
Sent: Monday, November 09, 2009 5:27 PM
To: Total2000UsersGroup@yahoogroups.com
Subject: RE: [WinTOTAL Group] FHA Attic photo exceptions?

Don –

I was only kidding with the picture about hauling a ladder in the MINI (wink)

Seriously though . . .I have a three-step stepladder with a tall “handle” that acts as a brace if I’m on the top step. That’s always been enough for me to stand on and at least get my camera hand into the scuttle for a few shots. I used to carry a camera mono-pod too . . .but I’m not doing that much FHA work nowadays, so I don’t anymore.

For occupied homes, I try to remember to ask the owner to provide access including a ladder if possible, when I make the appointment.

Between the two options, I’ve never had the need to carry a full sized or collapsible latter.

Brian & Angie Davis

Bear’s Den Cabin Owners

Bear's Den Smoky Mountain News Blog

VRBO - Bears Den Gatlinburg

Twitter - Bear's Den Cabin, TN

Facebook - Bear's Den Page

FlipKey Cabin Reviews

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Don Smith
Sent: Monday, November 09, 2009 4:12 PM
To: Total2000UsersGroup@yahoogroups.com
Subject: RE: [WinTOTAL Group] FHA Attic photo exceptions?

Brian, what is that ladder brand and type you use?

Don Smith
Sunrise Appraisal Group
1125 Shawnee Road

Lima, Ohio 45805

Voice Phone: 419-227-7070
Fax Phone: 419-227-4935
E-Mail:donsmith@...

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Brian Davis
Sent: Monday, November 09, 2009 3:44 PM
To: Total2000UsersGroup@yahoogroups.com
Subject: RE: [WinTOTAL Group] FHA Attic photo exceptions?

Liz –

This is what I haul in my MINI for FHA inspections . . . .

I figure you’ve got to be PREPARED!!! (wink)

NOTE: Skill saw for getting access to crawls and attics!

Brian J. Davis

Bloomington, IL 61704

309 662-4070

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Liz Buchanan
Sent: Monday, November 09, 2009 12:33 PM
To: Total2000UsersGroup@yahoogroups.com
Subject: RE: [WinTOTAL Group] FHA Attic photo exceptions?

All I can say about those telescoping ladders is OUCH. I’ve never opened one without at least one injury, albeit minor. Seems the smaller they fold down the harder they are to open. Miata size? Whoa that’s small.

Liz

Elizabeth L. Buchanan

Providing Value to the Mississippi Gulf Coast

phone 228-864-9040; fax 228-864-2570

Order your appraisal online! www.AppraisingTheCoast.com

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Kathleen bryce
Sent: Monday, November 09, 2009 12:07 PM
To: Total2000UsersGroup@yahoogroups.com
Subject: Re: [WinTOTAL Group] FHA Attic photo exceptions?

I drive a Miata and DO take a ladder. I found a telescoping one that will fit in the trunk. BUT it weighs like 2,000 pounds and is a PITA to put up and put down and I always end up getting a pinched finger. Frankly I just started charging too much to do FHA that I never get any assignments.

What would happen if I fall off the ladder and break something more important than my pride? Not worth it to me right now as the sole bread winner, chief cook and bottle washer around here..

No virus found in this incoming message.
Checked by AVG - www.avg.com
Version: 8.5.425 / Virus Database: 270.14.57/2492 - Release Date: 11/09/09 12:11:00

No virus found in this incoming message.
Checked by AVG - www.avg.com
Version: 9.0.704 / Virus Database: 270.14.51/2482 - Release Date: 11/05/09 02:37:00

No virus found in this incoming message.
Checked by AVG - www.avg.com
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#124462

From: "Brian Davis" <bjdavis@...>
Date: Mon Nov 9, 2009 10:26 pm
Subject: RE: [WinTOTAL Group] FHA Attic photo exceptions?

home_appraiser

Offline

Bear's Den Gatlinburg.net

Don –

I was only kidding with the picture about hauling a ladder in the MINI (wink)

For occupied homes, I try to remember to ask the owner to provide access including a ladder if possible, when I make the appointment.

Between the two options, I’ve never had the need to carry a full sized or collapsible latter.

Brian & Angie Davis

Bear’s Den Cabin Owners

Bear's Den Smoky Mountain News Blog

VRBO - Bears Den Gatlinburg

Twitter - Bear's Den Cabin, TN

Facebook - Bear's Den Page

FlipKey Cabin Reviews

Brian, what is that ladder brand and type you use?

Don Smith
Sunrise Appraisal Group
1125 Shawnee Road

Lima, Ohio 45805

Voice Phone: 419-227-7070
Fax Phone: 419-227-4935
E-Mail:donsmith@...

Liz –

This is what I haul in my MINI for FHA inspections . . . .

I figure you’ve got to be PREPARED!!! (wink)

NOTE: Skill saw for getting access to crawls and attics!

Brian J. Davis

Bloomington, IL 61704

309 662-4070

Liz

Elizabeth L. Buchanan

Providing Value to the Mississippi Gulf Coast

phone 228-864-9040; fax 228-864-2570

Order your appraisal online! www.AppraisingTheCoast.com

What would happen if I fall off the ladder and break something more important than my pride? Not worth it to me right now as the sole bread winner, chief cook and bottle washer around here..

No virus found in this incoming message.
Checked by AVG - www.avg.com
Version: 8.5.425 / Virus Database: 270.14.57/2492 - Release Date: 11/09/09 12:11:00

No virus found in this incoming message.
Checked by AVG - www.avg.com
Version: 9.0.704 / Virus Database: 270.14.51/2482 - Release Date: 11/05/09 02:37:00

No virus found in this incoming message.
Checked by AVG - www.avg.com
Version: 8.5.425 / Virus Database: 270.14.57/2492 - Release Date: 11/09/09 12:11:00

#124461

From: "Lee" <lee@...>
Date: Mon Nov 9, 2009 10:25 pm
Subject: FW: Two New FHA Mortgagee Letters, & New FHA Appraisal Webinar, & New FHA training and events around the nation

lee203k

Offline

Just in – Mortgagee letter regarding condos and FHA appraisal seminar on November 18^th.

Leland Hill

This is the HUD national homeownership center reference guide mailing list for real estate industry professionals that are interested in updates to HUD Mortgagee letters, notices and guidebooks, & FHA Housing Industry Training. Please visit our homepage at: http://www.hud.gov/offices/hsg/sfh/hsgsingle.cfm Servicing lenders can visit HUD's National Servicing Center at: http://www.hud.gov/offices/hsg/sfh/nsc/nschome.cfm This list does not provide HudHome property listings.

All-

Two New FHA Mortgagee Letters:

U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT WASHINGTON, DC 20410-8000

ASSISTANT SECRETARY FOR HOUSING FEDERAL HOUSING COMMISSIONER

November 6, 2009

MORTGAGEE LETTER 2009-46 A

TO: ALL APPROVED MORTGAGEES

SUBJECT: Temporary Guidance for Condominium Policy

In Mortgagee Letter 2009-46 B, the Federal Housing Administration (FHA) announced the permanent baseline guidance for condominium project eligibility. This Mortgagee Letter (ML) waives five provisions of that guidance and serves as a temporary directive to address current housing market conditions. This temporary guidance is effective for all FHA case numbers assigned on or after December 7, 2009 through December 31, 2010, except as noted for the “Spot Loan” Approval Process…

AND

U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT WASHINGTON, DC 20410-8000

ASSISTANT SECRETARY FOR HOUSING FEDERAL HOUSING COMMISSIONER

November 6, 2009 MORTGAGEE LETTER 2009-46 B

TO: ALL APPROVED MORTGAGEES

ALL FHA ROSTER APPRAISERS

SUBJECT: Condominium Approval Process for Single Family Housing

In accordance with the passage of the Housing and Economic Recovery Act of 2008 (HERA), the Federal Housing Administration (FHA) is implementing a new approval process for condominium projects and insurance requirements for mortgages on individual units, as authorized under Section 203(b) of the National Housing Act. The requirements of this Mortgagee Letter are effective for all case numbers assigned on or after December 7, 2009, except as noted. This Mortgagee Letter revises and consolidates existing guidance, and therefore replaces Mortgagee Letter 2009-19…

To read these mortgagee letters and any attachments in their entirety, please visit: http://www.hud.gov/offices/adm/hudclips/letters/mortgagee/ view the 2009 letters and click on the letter of your choice. Mortgagee Letters from previous years can be found on the same page.

If you have questions about either of these new FHA Mortgagee Letters please email: info@... or visit: http://www.fhaoutreach.gov/FHAFAQ

AND

New FHA Appraisal Webinar:

November 18, 2009 - Webinar: The FHA Appraisal Process, Existing Policy & Recent Updates. FHA staff will present information on the FHA appraisal process, appraising in a declining market, flipping rules, & recent changes to the condominium approval process. This webinar will take place at 2:00PM to 4:00PM Eastern time. Registration required, no fee. We recommend that participants use the system check function on the registration/launch page to confirm they have the necessary software installed to view the webinar. Do not delay, RSVP today, this webinar will fill up fast. More info at: http://www.visualwebcaster.com/FHA/63816/reg.html

This webinar is for lenders & business partners that do business with the FHA Philadelphia Homeownership Center jurisdiction in the states of Connecticut, Delaware, District of Columbia, Maine, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia, West Virginia.

Other FHA Webinars:

November 20, 2009 – FHA HECM Webinar. This FREE Webinar training will provide an overview of the HECM process. Covered topic will include: HECM purchase transactions, refinances, and updates to the HECM process. Registrants will receive an email confirmation prior to the Webinar with a link, a toll-free dial-in number, and instructions for participating in the training. Registrants must have internet access. Registration required, no fee. More info at: http://www.hud.gov/emarc/index.cfm?fuseaction=emar.registerEvent&eventId=299&update=N

November 30, 2009 – FHA Lender Insurance Webinar. This FREE Webinar training will provide an overview of insuring procedures for lenders who want to become an LI Lender and a refresher for current LI Lenders. The topics will include; common NORs, rejects, case warnings, and TOTAL Scorecard data. Registrants will receive an email confirmation prior to the Webinar with a link, a toll-free dial-in number, and instructions for participating in the training. Registrants must have internet access. Registration required, no fee. More info at: http://www.hud.gov/emarc/index.cfm?fuseaction=emar.registerEvent&eventId=301&update=N

AND

New FHA training and events around the nation:

November 12, 2009 - Atlanta, GA. RESPA Seminar. HUD is hosting a 2 hour seminar on the new RESPA Rule. Guest Presenter is Ivy Jackson, Director, HUD Office of RESPA & ILS. Registration required, no fee. More info at: http://www.hud.gov/apps/calendar/event.cfm?state=ga&record=10008&scheduleID=9769&calendarID=14

November 12-13, 2009 - Denver, CO. Section 8 Homeownership Training. Visit the FHA Single Family exhibit table at the HUD and Office of Public Housing's Section 8/Housing Choice Voucher Program training event. This free two-day workshop is open to Public Housing Agencies and their Home Choice Voucher partners as well as to lenders, counseling agencies, non-profit organizations, realtors and other Industry partners. Registration required, no fee. More info at: http://www.hud.gov/emarc/index.cfm?fuseaction=emar.registerEvent&eventid=278&update=N

November 13-16, 2009 San Diego, CA. National Association of Realtors Conference & Expo. FHA Commissioner David H. Stevens will address current issues including loan limits, condo rules, appraisals, and the solvency of the FHA insurance fund. Registration required, fee. More info at: http://www.realtor.org/Convention.nsf/

November 18-20, 2009 - San Diego, CA. National Reverse Mortgage Lenders Association Annual Meeting & Expo. Lenders, brokers & housing counselors welcome. Registration required, fee. More info at: http://www.nrmlaonline.org/

November 21, 2009 - Grand Junction, Colorado. Western Colorado Foreclosure Prevention Fair. FHA staff, housing counselors, community resource agencies and mortgage servicers will be available to assist the public. Saturday 10 am - 2 pm at Canyon View Vineyards Church, 736 24 1/2 Road, Grand Junction, CO. Free.

December 4, 2009 - Denver, Colorado. FHA Single Family Updates and Affordable Housing Programs Class. Real estate licensing or membership in the Denver Board of Realtors not required to attend this class. Friday from 9 am to 1pm at the Denver Board of Realtors office, 4300 E. Warren Avenue, Denver, CO 80222. $10 for Denver Board members, $20 for non-members. Call recording at 303-303-8500 to register or email Susan.R.Lyons@... for more information.

February 23-24, 2010 - Oklahoma City, OK. Early Delinquency Servicing & Loss Mitigation Program Training for HUD-Approved mortgagees, HUD-approved Housing Counselors & Nonprofit Housing Counselors. Registration required, no fee. More info at: http://www.hud.gov/offices/hsg/sfh/nsc/training.cfm

May 18-19, 2010 - Oklahoma City, OK. Early Delinquency Servicing & Loss Mitigation Program Training for HUD-Approved mortgagees, HUD-approved Housing Counselors & Nonprofit Housing Counselors. Registration required, no fee. More info at: http://www.hud.gov/offices/hsg/sfh/nsc/training.cfm

August 24-25, 2010 - Oklahoma City, OK. Early Delinquency Servicing & Loss Mitigation Program Training for HUD-Approved mortgagees, HUD-approved Housing Counselors & Nonprofit Housing Counselors. Registration required, no fee. More info at: http://www.hud.gov/offices/hsg/sfh/nsc/training.cfm

___________________________________________________________________________________________

Bulk subscriptions:

Some industry folks have asked, "How do I sign up my entire staff for FHA email updates?" It is easy... Just list your staff email addresses like this:

aaa@...

bbb@...

ccc@...

You can send in one email address or thousands. Email your list to: jerrold.h.mayer@...

If you have a mortgage or real estate industry friend who you want to subscribe to the national hoc reference guide mailing list, there are 3 other ways to sign up: 1. send them this link: http://www.hud.gov/offices/hsg/sfh/ref/hsgregst.cfm they can sign up for the email list there; or 2: forward them this email; or 3: Visit: http://www.usa.gov/ and subscribe at: http://apps.gsa.gov/FirstGovCommonSubscriptionService.php

To unsubscribe - go to: http://www.hud.gov/subscribe/index.cfm and click on "National Homeownership Center Reference Guide" and follow the unsubscribe instructions on that page.

____________________________________________________________________________________________

This is the FHA Single Family Housing listserv for real estate industry professionals that are interested in updates to Mortgagee letters, Notices, Guidebooks, Housing Counseling, FHA Reference Guide, Mortgage Limits, Career Opportunities, Grants, Contracting Opportunities & Housing Industry Training. Please visit us at: http://www.hud.gov/offices/hsg/sfh/hsgsingle.cfm or visit our new homepage at: http://www.fha.gov

You can find a directory of states that are serviced by the four FHA Homeownership Centers (HOC) on the web at: http://www.hud.gov/offices/hsg/sfh/hoc/hsghocs.cfm

Servicing lenders can visit FHA's National Servicing Center on-line at: http://www.hud.gov/offices/hsg/sfh/nsc/nschome.cfm

For FHA technical support, please contact the FHA Resource Center: http://www.fhaoutreach.gov/FHAFAQ/ Search our online knowledge base and find answers to our most commonly asked questions. Use "live help" to get on-line technical support. You can also get email technical support at: info@... or phone FHA toll-free between 8:00 a.m. and 8:00 p.m. ET (5:00 a.m. to 5:00 p.m. PT) at: (800) CALLFHA or (800) 225-5342. Call FHA TDD at: (877) TDD-2HUD (877) 833-2483).

To find the FHA S/F Reference Guide on-line please visit: http://www.hud.gov/offices/hsg/sfh/ref/hsgrcont.cfm

Find out about FHA training by visiting our Events and Training calendar at: http://www.hud.gov/offices/hsg/sfh/events/events.cfm

Do you want to find out about current HUD Contracting Opportunities? To obtain a listing of the current opportunities please visit: http://www.hud.gov/offices/cpo/index.cfm

Do you want to find out about career opportunities at HUD? Visit: http://jobsearch.usajobs.gov/ Application forms can be found at: http://www.usajobs.opm.gov/forms.asp

Find out about grant opportunities by visiting HUD's Funds Available website at: http://www.hud.gov/offices/adm/grants/fundsavail.cfm

For all FHA publications visit HudClips at http://www.hud.gov/offices/adm/hudclips/index.cfm You can order hardcopies at: http://www.hud.gov/offices/adm/dds/index.cfm

Do you need to find a FHA form? You can also find all FHA forms on the HUDClips website at: http://www.hud.gov/offices/adm/hudclips/forms/

For information on Presidentially Declared Disaster areas and to learn how HUD can help, please see: http://www.hud.gov/offices/hsg/sfh/nsc/disaster.cfm

or contact the National Servicing Center in Oklahoma City, 1-888-297-8685.

This list does not provide HudHome property listings. To see the latest list of all HudHomes nationwide please visit: http://www.hud.gov/homes/homesforsale.cfm

This list will often provide training opportunities and event announcements for non-profit and local government HUD partners. HUD does not endorse the organizations sponsoring linked websites, and we do not endorse the views they express or the products/services they or their community/business partners offer. For more information on HUD’s web policies please visit: http://www.hud.gov/assist/webpolicies.cfm

Thank you!!!

We hope that you will want to continue receiving information from HUD. We safeguard our lists and do not rent, sell, or permit the use of our lists by others, at any time, for any reason. If you wish to be taken off this mail list, please go here or http://www.hud.gov/subscribe/signup.cfm?listname=National%20Homeownership%20Center%20Reference%20Guide&LIST=Homeownership-L

Reply | Forward | Messages in this Topic (1)

#124460

From: "Don Smith" <donsmith@...>
Date: Mon Nov 9, 2009 10:11 pm
Subject: RE: [WinTOTAL Group] FHA Attic photo exceptions?

nod975

Offline

Brian, what is that ladder brand and type you use?

Don Smith
Sunrise Appraisal Group
1125 Shawnee Road

Lima, Ohio 45805

Voice Phone: 419-227-7070
Fax Phone: 419-227-4935
E-Mail:donsmith@...

Liz –

This is what I haul in my MINI for FHA inspections . . . .

I figure you’ve got to be PREPARED!!! (wink)

NOTE: Skill saw for getting access to crawls and attics!

Brian J. Davis

Bloomington, IL 61704

309 662-4070

Liz

Elizabeth L. Buchanan

Providing Value to the Mississippi Gulf Coast

phone 228-864-9040; fax 228-864-2570

Order your appraisal online! www.AppraisingTheCoast.com

What would happen if I fall off the ladder and break something more important than my pride? Not worth it to me right now as the sole bread winner, chief cook and bottle washer around here..

No virus found in this incoming message.
Checked by AVG - www.avg.com
Version: 8.5.425 / Virus Database: 270.14.57/2492 - Release Date: 11/09/09 12:11:00

No virus found in this incoming message.
Checked by AVG - www.avg.com
Version: 9.0.704 / Virus Database: 270.14.51/2482 - Release Date: 11/05/09 02:37:00

#124459

From: "Brian Davis" <bjdavis@...>
Date: Mon Nov 9, 2009 8:44 pm
Subject: RE: [WinTOTAL Group] FHA Attic photo exceptions?

home_appraiser

Offline

Liz –

This is what I haul in my MINI for FHA inspections . . . .

I figure you’ve got to be PREPARED!!! (wink)

NOTE: Skill saw for getting access to crawls and attics!

Brian J. Davis

Bloomington, IL 61704

309 662-4070

Liz

Elizabeth L. Buchanan

Providing Value to the Mississippi Gulf Coast

phone 228-864-9040; fax 228-864-2570

Order your appraisal online! www.AppraisingTheCoast.com

What would happen if I fall off the ladder and break something more important than my pride? Not worth it to me right now as the sole bread winner, chief cook and bottle washer around here..

No virus found in this incoming message.
Checked by AVG - www.avg.com
Version: 8.5.425 / Virus Database: 270.14.57/2492 - Release Date: 11/09/09 12:11:00

#124458

From: <john@...>
Date: Mon Nov 9, 2009 8:26 pm
Subject: Re: [WinTOTAL Group] What is the Legal Description

usainfollc

Offline

Where was the legal description prepared? Usually a lawyer, surveyor, title company or assessor prepares property descriptions. The appraisal should state the source of the legal. If I ever prepare a description of the property to be appraised (very rare) I always state that appraiser was not provided a description by the client and the description was prepared for purposes of this appraisal only and cannot be relied upon for any other purpose . . .

In a review situation it think it is property to state that you were unable to confirm the property description and recommend that it be reviewed by an attorney or title examiner.

John S. Porter
Certified Appraiser, LLC
10850 E Traverse Hwy, Ste 2290
Traverse City, MI 49684
231.883.8833
jporter@...
www.certifiedappraiser.net

Find Appraisers fast with www.usappraisal.info

----- Original Message -----

From: Kathleen bryce

To: Total2000UsersGroup@yahoogroups.com ; buzz forum

Sent: Monday, November 09, 2009 1:01 PM

Subject: [WinTOTAL Group] What is the Legal Description

This may be mostly a Florida question but...

I am doing a lot of reviews and have always utilized the legal description in short form as published by the County Property Appraiser if the subjects lot was platted or the long legal when the legal is meets and bounds.

But, in some reviews I am seeing an alternate shortened version of the legal description and I am wondering if the following is Kosher, or should be commented on.

Example:
Lee County Property Appraiser as published on Property Card.
CAPE CORAL UNIT 47 PT 2 BLK 3540 PB 23 PG 117 LOTS XX + YY

Legal Description on deed.
Lots XX and YY, Block 3540, UNIT 47, CAPE CORAL, according to the plat thereof, recorded in Plat Book 23, Page 112 through 127, of the Public Records of Lee County, Florida.

Questioned Legal Description in report under review:
Lots XX+YY, BLK 3540, Cape Coral Unit 47 PT.2, PB 23 PG 117

This appears to be an abbreviation of the Legal on the Deed. No where in ANY county records or deeds have I found this abbreviation. Would this be considered a proper legal description because all the parts are there?

If not, why not? What do you think.

Kat Bryce
Fort Myers

Kathleen Bryce
Lee County Appraisals
St.Cert.Res REA RD4424
http://www.leecountyappraisals.com
appraiserkat@earthlink.net
239-940-2225
fax 239-275-4130

#124457

From: "kathiberdoo" <kathiberdoo@...>
Date: Mon Nov 9, 2009 7:07 pm
Subject: Landmark Loan Services

kathiberdoo

Offline

I know this has been asked before but the search posts is acting kind of wonky.

Has anyone paid to sign up with Landmark Loan Services or does anyone know
anything about them?

Kathi Sellfors
Office Manager
Benefiel Appraisal Service
San Bernardino, CA
(909) 883-4667
http://www.benefielappraisals.com

Reply | Forward | Messages in this Topic (1)

#124456

From: "james_so_cal" <T2KUG@...>
Date: Mon Nov 9, 2009 6:45 pm
Subject: Re: [WinTOTAL Group] What is the Legal Description

james_so_cal

Offline

Here in SoCal we "normally" have simple lot & tract legals.  Nice & short but at
times tract names & the general description can become lengthy or be a metes &
bounds.  I always refer to the Plat Map, in addition to the short legal on page
1 & if it is particularly long or not well described on the plat I include a
copy of the last Grant Deed available online & reference that as well on page 1.
For an M&B I'm not going to attempt to retype it and chance an error since the
Grant Deed says it all.

James SoCal
Belmont Shore, CA


--- In Total2000UsersGroup@yahoogroups.com, "Kathleen bryce" <katbryce@...>
wrote:
>
> I agree AND I always do as you stated if its a long meets and bounds.  But
there is no further qualification in the report.
>
> Kathleen Bryce
> Lee County Appraisals
> St.Cert.Res REA RD4424
> http://www.leecountyappraisals.com
> appraiserkat@...
> 239-940-2225
> fax 239-275-4130
>   ----- Original Message -----
>   From: Paul James
>   To: Total2000UsersGroup@yahoogroups.com
>   Sent: Monday, November 09, 2009 1:03 PM
>   Subject: RE: [WinTOTAL Group] What is the Legal Description
>
>
>
>
>
>   Kat
>   FWIW-I sometimes use a shortened legal on page 1 of the URAR, but have the
full legal on my attached plat.
>   PJ
>
>   Paul James RAA
>
>   3906 Buena Vista Ave
>
>   Farmington, NM 87401
>   paul@...
>   phone 505-325-6651
>   fax 505-327-7168
>
>   for more information about me, see my web page: www.pjappraisals.com
>
>   for information about my Pocket Laser Targets go to:
>
>   http://tinyurl.com/2nv5sh
>
>
>   http://www.pjappraisals.com/CustomPage
>
>
>
>
>
>
>
>
>
> ------------------------------------------------------------------------------
>   From: Total2000UsersGroup@yahoogroups.com
[mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Kathleen bryce
>   Sent: Monday, November 09, 2009 11:01 AM
>   To: Total2000UsersGroup@yahoogroups.com; buzz forum
>   Subject: [WinTOTAL Group] What is the Legal Description
>
>
>   This may be mostly a Florida question but...
>
>   I am doing a lot of reviews and have always utilized the legal description
in short form as published by the County Property Appraiser if the subjects lot
was platted or the long legal when the legal is meets and bounds.
>
>   But, in some reviews I am seeing an alternate shortened version of the legal
description and I am wondering if the following is Kosher, or should be
commented on.
>
>   Example:
>   Lee County Property Appraiser as published on Property Card.
>   CAPE CORAL UNIT 47 PT 2 BLK 3540 PB 23 PG 117 LOTS XX + YY
>
>   Legal Description on deed.
>   Lots XX and YY, Block 3540, UNIT 47, CAPE CORAL, according to the plat
thereof, recorded in Plat Book 23, Page 112 through 127, of the Public Records
of Lee County, Florida.
>
>   Questioned Legal Description in report under review:
>   Lots XX+YY, BLK 3540, Cape Coral Unit 47 PT.2, PB 23 PG 117
>
>   This appears to be an abbreviation of the Legal on the Deed. No where in ANY
county records or deeds have I found this abbreviation. Would this be considered
a proper legal description because all the parts are there?
>
>   If not, why not?  What do you think.
>
>   Kat Bryce
>   Fort Myers
>   Kathleen Bryce
>   Lee County Appraisals
>   St.Cert.Res REA RD4424
>   http://www.leecountyappraisals.com
>   appraiserkat@...
>   239-940-2225
>   fax 239-275-4130
>   No virus found in this incoming message.
>   Checked by AVG - www.avg.com
>   Version: 8.5.425 / Virus Database: 270.14.57/2492 - Release Date: 11/09/09
12:11:00
>

#124455

From: "Paul James" <paul@...>
Date: Mon Nov 9, 2009 6:12 pm
Subject: RE: [WinTOTAL Group] What is the Legal Description

pjappraiser

Offline

Kat

If there is no further explanation, I'd flag it!

Paul James RAA

3906 Buena Vista Ave

Farmington, NM 87401
paul@...
phone 505-325-6651
fax 505-327-7168

for more information about me, see my web page: www.pjappraisals.com

for information about my Pocket Laser Targets go to:

http://tinyurl.com/2nv5sh

http://www.pjappraisals.com/CustomPage

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Kathleen bryce
Sent: Monday, November 09, 2009 11:11 AM
To: Total2000UsersGroup@yahoogroups.com
Subject: Re: [WinTOTAL Group] What is the Legal Description

I agree AND I always do as you stated if its a long meets and bounds. But there is no further qualification in the report.

Kathleen Bryce
Lee County Appraisals
St.Cert.Res REA RD4424
http://www.leecountyappraisals.com
appraiserkat@...
239-940-2225
fax 239-275-4130

----- Original Message -----

From: Paul James

To: Total2000UsersGroup@yahoogroups.com

Sent: Monday, November 09, 2009 1:03 PM

Subject: RE: [WinTOTAL Group] What is the Legal Description

Kat

FWIW-I sometimes use a shortened legal on page 1 of the URAR, but have the full legal on my attached plat.

PJ

Paul James RAA

3906 Buena Vista Ave

Farmington, NM 87401
paul@...
phone 505-325-6651
fax 505-327-7168

for more information about me, see my web page: www.pjappraisals.com

for information about my Pocket Laser Targets go to:

http://tinyurl.com/2nv5sh

http://www.pjappraisals.com/CustomPage

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Kathleen bryce
Sent: Monday, November 09, 2009 11:01 AM
To: Total2000UsersGroup@yahoogroups.com; buzz forum
Subject: [WinTOTAL Group] What is the Legal Description

This may be mostly a Florida question but...

I am doing a lot of reviews and have always utilized the legal description in short form as published by the County Property Appraiser if the subjects lot was platted or the long legal when the legal is meets and bounds.

But, in some reviews I am seeing an alternate shortened version of the legal description and I am wondering if the following is Kosher, or should be commented on.

Example:
Lee County Property Appraiser as published on Property Card.
CAPE CORAL UNIT 47 PT 2 BLK 3540 PB 23 PG 117 LOTS XX + YY

Legal Description on deed.
Lots XX and YY, Block 3540, UNIT 47, CAPE CORAL, according to the plat thereof, recorded in Plat Book 23, Page 112 through 127, of the Public Records of Lee County, Florida.

Questioned Legal Description in report under review:
Lots XX+YY, BLK 3540, Cape Coral Unit 47 PT.2, PB 23 PG 117

This appears to be an abbreviation of the Legal on the Deed. No where in ANY county records or deeds have I found this abbreviation. Would this be considered a proper legal description because all the parts are there?

If not, why not? What do you think.

Kat Bryce
Fort Myers

Kathleen Bryce
Lee County Appraisals
St.Cert.Res REA RD4424
http://www.leecountyappraisals.com
appraiserkat@...
239-940-2225
fax 239-275-4130

No virus found in this incoming message.
Checked by AVG - www.avg.com
Version: 8.5.425 / Virus Database: 270.14.57/2492 - Release Date: 11/09/09 12:11:00

No virus found in this incoming message.
Checked by AVG - www.avg.com
Version: 8.5.425 / Virus Database: 270.14.57/2492 - Release Date: 11/09/09 12:11:00

#124454

From: "Paul James" <paul@...>
Date: Mon Nov 9, 2009 6:11 pm
Subject: RE: [WinTOTAL Group] FHA Attic photo exceptions?

pjappraiser

Offline

Greg

We are on the same page!

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Greg Klingler
Sent: Monday, November 09, 2009 11:06 AM
To: Total2000UsersGroup@yahoogroups.com
Subject: RE: [WinTOTAL Group] FHA Attic photo exceptions?

Hi Paul,

I didn’t carry a ladder when I did field inspections when I was on my own...That was what I was referring to. Should have wrote “didn’t” instead of don’t. I would however let the property owner know that I needed access to the attic and asked them to supply same; including a ladder if needed because of the aforementioned vehicles I drove – I told them that too...Neener, neener, neener! Once in a while I would goof up by not letting the owner know beforehand I needed said access which necessitated doing a second inspection due to MY lack of communication. IF I told them beforehand and they didn’t have access ready and it called for second inspection, I DID charge additional fee accordingly and also did the re-inspection at MY convenience. If I caused the re-inspection problem it was no charge and at the property owner’s convenience. If I were still in the business, I would have one of those telescoping ladders as standard equipment in the trunk.

Greg in Glens Falls

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Paul James
Sent: Monday, November 09, 2009 12:50 PM
To: Total2000UsersGroup@yahoogroups.com
Subject: RE: [WinTOTAL Group] FHA Attic photo exceptions?

Greg

Yes, but you have that cushy government job, don't you?

I drive a truck and do haul a ladder, but it compresses to a size that would fit in the trunk of a PINTO.

Paul James RAA

3906 Buena Vista Ave

Farmington, NM 87401
paul@pjappraisals.com
phone 505-325-6651
fax 505-327-7168

for more information about me, see my web page: www.pjappraisals.com

for information about my Pocket Laser Targets go to:

http://tinyurl.com/2nv5sh

http://www.pjappraisals.com/CustomPage

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Greg Klingler
Sent: Monday, November 09, 2009 10:43 AM
To: Total2000UsersGroup@yahoogroups.com
Subject: RE: [WinTOTAL Group] FHA Attic photo exceptions?

Liz,

I drive both a Riviera and a Sebring convertible and I don’t haul no stinkin’ ladders either!

Greg in Glens Falls

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Liz Buchanan
Sent: Monday, November 09, 2009 12:40 PM
To: Total2000UsersGroup@yahoogroups.com
Subject: RE: [WinTOTAL Group] FHA Attic photo exceptions?

Thank you to everyone who responded here. I was trying to talk myself into believing that since the house was relatively new construction that I didn’t have to worry about absent insulation, frayed wiring, etc. The reason I didn’t forewarn the guy is the same reason I didn’t want to have to go back; he’s very hard to reach by phone. It is good practice to give the homeowner a little warning, and it was my fault when I got there and couldn’t get near the attic. Before the original appt, I had left messages for the man at his work, home and mobile numbers. He had not called back, and later claims he “doesn’t know how” to work his voice mail and doesn’t like to be “too available” by answering his calls regularly. (Yeah, I bet his employer loves that one.) Anyway, when I finally talked to the man the first time, I was so shocked that he answered I didn’t think to give him the full spiel about what to expect. Of course when I convinced myself that I had to go back (thank you all again for saying “DUH, YES”) I dreaded that run-around. As expected, I just about wore out the re-dial button calling him before I reached the man. When I did, I apologized profusely and he was perfectly nice and told me he’d meet me at the house in half an hour. When I got there, he had the stuff moved and the attic stairs open. All’s well; report is finished.

Can you imagine telling someone “I drive a Cadillac and don’t haul ladders”?

Liz Buchanan

Elizabeth L. Buchanan

Providing Value to the Mississippi Gulf Coast

phone 228-864-9040; fax 228-864-2570

Order your appraisal online! www.AppraisingTheCoast.com

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Michael Powers
Sent: Monday, November 09, 2009 8:32 AM
To: Total2000UsersGroup@yahoogroups.com
Subject: RE: [WinTOTAL Group] FHA Attic photo exceptions?

Paul

I agree, I provide the ladder and always try to alert the homeowner about the need for access. It’s a lot easier to give the homeowner some lead time than listen to the grumbling as they clean out the closet.

I do know of a local appraiser/instructor whose idea of customer service is: I drive a Cadillac and don’t haul ladders so you better get one. Maybe he benefits from AMC’s and less client contact.

Michael Powers

Omaha, NE

402-651-2020

Certified Appraiser NE/IA FHA

www.PowersRealEstateServices.com

No virus found in this incoming message.
Checked by AVG - www.avg.com
Version: 8.5.425 / Virus Database: 270.14.56/2491 - Release Date: 11/09/09 07:39:00

No virus found in this incoming message.
Checked by AVG - www.avg.com
Version: 8.5.425 / Virus Database: 270.14.57/2492 - Release Date: 11/09/09 12:11:00

No virus found in this incoming message.
Checked by AVG - www.avg.com
Version: 8.5.425 / Virus Database: 270.14.56/2491 - Release Date: 11/09/09 07:39:00

No virus found in this incoming message.
Checked by AVG - www.avg.com
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#124453

From: "Gary Chase" <gary@...>
Date: Mon Nov 9, 2009 6:17 pm
Subject: RE: [WinTOTAL Group] What is the Legal Description

chaselcland

Offline

Page U-24 USPAP

SR2-2(B) (iii)

‘summarize information sufficient to identify the real estate …. “

Comment: …. Specifed, … legal… address, map reference, …. or map, …

My reading of this is that any combination or single source can be used as long as it uniquely identifies the subject property. I do not typically include long metes & bounds in my reports and do not see local contemporaries including them. I will include if it is necessary for the reader to have it to be able to understand the report.

Gary C Chase

Certified General Appraiser

Idaho & Washington

903 D Street, Suite 201

Lewiston, ID 83501

208-743-8528 fax 208-798-7852

Come visit us at www.LcLand.com

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Kathleen bryce
Sent: Monday, November 09, 2009 10:01 AM
To: Total2000UsersGroup@yahoogroups.com; buzz forum
Subject: [WinTOTAL Group] What is the Legal Description

This may be mostly a Florida question but...

I am doing a lot of reviews and have always utilized the legal description in short form as published by the County Property Appraiser if the subjects lot was platted or the long legal when the legal is meets and bounds.

But, in some reviews I am seeing an alternate shortened version of the legal description and I am wondering if the following is Kosher, or should be commented on.

Example:
Lee County Property Appraiser as published on Property Card.
CAPE CORAL UNIT 47 PT 2 BLK 3540 PB 23 PG 117 LOTS XX + YY

Legal Description on deed.
Lots XX and YY, Block 3540, UNIT 47, CAPE CORAL, according to the plat thereof, recorded in Plat Book 23, Page 112 through 127, of the Public Records of Lee County, Florida

Questioned Legal Description in report under review:
Lots XX+YY, BLK 3540, Cape Coral Unit 47 PT.2, PB 23 PG 117

This appears to be an abbreviation of the Legal on the Deed. No where in ANY county records or deeds have I found this abbreviation. Would this be considered a proper legal description because all the parts are there?

If not, why not? What do you think.

Kat Bryce
Fort Myers

Kathleen Bryce
Lee County Appraisals
St.Cert.Res REA RD4424
http://www.leecountyappraisals.com
appraiserkat@earthlink.net
239-940-2225
fax 239-275-4130

#124452

From: "Kathleen bryce" <katbryce@...>
Date: Mon Nov 9, 2009 6:40 pm
Subject: Re: [WinTOTAL Group] FHA Attic photo exceptions?

katbryce

Offline

Yup it folds to 2.5' by 2' more or less. But it is way heavy probably around 25 to 30 pounds. I did exaggerate a bit on the weight previously. I have a few fingers that were frozen by an accident and makes actuating the buttons for the telescoping a bit troublesome. But the latter is rather handy as I don't have one hanging out of the trunk.

The Miata is especially handy for getting those stealth shots of comparable sales. :-)

Kathleen Bryce
Lee County Appraisals
St.Cert.Res REA RD4424
http://www.leecountyappraisals.com
appraiserkat@...
239-940-2225
fax 239-275-4130

----- Original Message -----

From: Liz Buchanan

To: Total2000UsersGroup@yahoogroups.com

Sent: Monday, November 09, 2009 1:33 PM

Subject: RE: [WinTOTAL Group] FHA Attic photo exceptions?

All I can say about those telescoping ladders is OUCH. I�ve never opened one without at least one injury, albeit minor. Seems the smaller they fold down the harder they are to open. Miata size? Whoa that�s small.

Liz

Elizabeth L. Buchanan

Providing Value to the Mississippi Gulf Coast

Mailto:Liz@...

phone 228-864-9040; fax 228-864-2570

Order your appraisal online! www.AppraisingTheCoast.com

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Kathleen bryce
Sent: Monday, November 09, 2009 12:07 PM
To: Total2000UsersGroup@yahoogroups.com
Subject: Re: [WinTOTAL Group] FHA Attic photo exceptions?

I drive a Miata and DO take a ladder. I found a telescoping one that will fit in the trunk. BUT it weighs like 2,000 pounds and is a PITA to put up and put down and I always end up getting a pinched finger. Frankly I just started charging too much to do FHA that I never get any assignments.

What would happen if I fall off the ladder and break something more important than my pride? Not worth it to me right now as the sole bread winner, chief cook and bottle washer around here..

#124451

From: "Liz Buchanan" <lizbuchanan@...>
Date: Mon Nov 9, 2009 6:33 pm
Subject: RE: [WinTOTAL Group] FHA Attic photo exceptions?

coriandercat

Offline

Liz

Elizabeth L. Buchanan

Providing Value to the Mississippi Gulf Coast

phone 228-864-9040; fax 228-864-2570

Order your appraisal online! www.AppraisingTheCoast.com

What would happen if I fall off the ladder and break something more important than my pride? Not worth it to me right now as the sole bread winner, chief cook and bottle washer around here..

#124450

From: "Liz Buchanan" <lizbuchanan@...>
Date: Mon Nov 9, 2009 6:25 pm
Subject: RE: [WinTOTAL Group] Gulf Coast (Off topic)

coriandercat

Offline

Some low lying areas are threatened with high tides but it looks like that’s the worst of it.

It’s been downgraded to a tropical storm and appears to be going east of here.

Dodged another bullet!

Liz

Elizabeth L. Buchanan

Providing Value to the Mississippi Gulf Coast

phone 228-864-9040; fax 228-864-2570

Order your appraisal online! www.AppraisingTheCoast.com

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Michael Barnes
Sent: Monday, November 09, 2009 9:22 AM
To: Total2000UsersGroup@yahoogroups.com
Subject: Re: [WinTOTAL Group] Gulf Coast (Off topic)

Liz: How's the storm looking in your area?

Michael W. Barnes, CGA
Barnes Appraisal Co, LLC
PO Box 7302, Lawton, OK 73506
1-580 536-1715
1-580 536-1716 (fax)
1-888 805-5990 (toll free)
www.michaelbarnesappraiser.com

Reply | Forward | Messages in this Topic (2)

#124449

From: "Kathleen bryce" <katbryce@...>
Date: Mon Nov 9, 2009 6:10 pm
Subject: Re: [WinTOTAL Group] What is the Legal Description

katbryce

Offline

I agree AND I always do as you stated if its a long meets and bounds. But there is no further qualification in the report.

Kathleen Bryce
Lee County Appraisals
St.Cert.Res REA RD4424
http://www.leecountyappraisals.com
appraiserkat@...
239-940-2225
fax 239-275-4130

----- Original Message -----

From: Paul James

To: Total2000UsersGroup@yahoogroups.com

Sent: Monday, November 09, 2009 1:03 PM

Subject: RE: [WinTOTAL Group] What is the Legal Description

Kat

FWIW-I sometimes use a shortened legal on page 1 of the URAR, but have the full legal on my attached plat.

PJ

Paul James RAA

3906 Buena Vista Ave

Farmington, NM 87401
paul@...
phone 505-325-6651
fax 505-327-7168

for more information about me, see my web page: www.pjappraisals.com

for information about my Pocket Laser Targets go to:

http://tinyurl.com/2nv5sh

http://www.pjappraisals.com/CustomPage

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Kathleen bryce
Sent: Monday, November 09, 2009 11:01 AM
To: Total2000UsersGroup@yahoogroups.com; buzz forum
Subject: [WinTOTAL Group] What is the Legal Description

This may be mostly a Florida question but...

I am doing a lot of reviews and have always utilized the legal description in short form as published by the County Property Appraiser if the subjects lot was platted or the long legal when the legal is meets and bounds.

But, in some reviews I am seeing an alternate shortened version of the legal description and I am wondering if the following is Kosher, or should be commented on.

Example:
Lee County Property Appraiser as published on Property Card.
CAPE CORAL UNIT 47 PT 2 BLK 3540 PB 23 PG 117 LOTS XX + YY

Legal Description on deed.
Lots XX and YY, Block 3540, UNIT 47, CAPE CORAL, according to the plat thereof, recorded in Plat Book 23, Page 112 through 127, of the Public Records of Lee County, Florida.

Questioned Legal Description in report under review:
Lots XX+YY, BLK 3540, Cape Coral Unit 47 PT.2, PB 23 PG 117

This appears to be an abbreviation of the Legal on the Deed. No where in ANY county records or deeds have I found this abbreviation. Would this be considered a proper legal description because all the parts are there?

If not, why not? What do you think.

Kat Bryce
Fort Myers

Kathleen Bryce
Lee County Appraisals
St.Cert.Res REA RD4424
http://www.leecountyappraisals.com
appraiserkat@...
239-940-2225
fax 239-275-4130

No virus found in this incoming message.
Checked by AVG - www.avg.com
Version: 8.5.425 / Virus Database: 270.14.57/2492 - Release Date: 11/09/09 12:11:00

#124448

From: "Paul James" <paul@...>
Date: Mon Nov 9, 2009 6:10 pm
Subject: RE: [WinTOTAL Group] FHA Attic photo exceptions?

pjappraiser

Offline

Kat

I agree the telescoping ladders are a PITA, but I do carry it. I've found if I ask, they usually have a ladder I can use.

I no longer do roofs for the same reason as you state. I figure I have enough padding to fall 5' and not get hurt too bad.

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Kathleen bryce
Sent: Monday, November 09, 2009 11:07 AM
To: Total2000UsersGroup@yahoogroups.com
Subject: Re: [WinTOTAL Group] FHA Attic photo exceptions?

What would happen if I fall off the ladder and break something more important than my pride? Not worth it to me right now as the sole bread winner, chief cook and bottle washer around here..

Kathleen Bryce
Lee County Appraisals
St.Cert.Res REA RD4424
http://www.leecountyappraisals.com
appraiserkat@...
239-940-2225
fax 239-275-4130

----- Original Message -----

From: Paul James

To: Total2000UsersGroup@yahoogroups.com

Sent: Monday, November 09, 2009 12:50 PM

Subject: RE: [WinTOTAL Group] FHA Attic photo exceptions?

Greg

Yes, but you have that cushy government job, don't you?

I drive a truck and do haul a ladder, but it compresses to a size that would fit in the trunk of a PINTO.

PJ

Paul James RAA

3906 Buena Vista Ave

Farmington, NM 87401
paul@...
phone 505-325-6651
fax 505-327-7168

for more information about me, see my web page: www.pjappraisals.com

for information about my Pocket Laser Targets go to:

http://tinyurl.com/2nv5sh

http://www.pjappraisals.com/CustomPage

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Greg Klingler
Sent: Monday, November 09, 2009 10:43 AM
To: Total2000UsersGroup@yahoogroups.com
Subject: RE: [WinTOTAL Group] FHA Attic photo exceptions?

Liz,

I drive both a Riviera and a Sebring convertible and I don’t haul no stinkin’ ladders either!

Greg in Glens Falls

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Liz Buchanan
Sent: Monday, November 09, 2009 12:40 PM
To: Total2000UsersGroup@yahoogroups.com
Subject: RE: [WinTOTAL Group] FHA Attic photo exceptions?

Thank you to everyone who responded here. I was trying to talk myself into believing that since the house was relatively new construction that I didn’t have to worry about absent insulation, frayed wiring, etc. The reason I didn’t forewarn the guy is the same reason I didn’t want to have to go back; he’s very hard to reach by phone. It is good practice to give the homeowner a little warning, and it was my fault when I got there and couldn’t get near the attic. Before the original appt, I had left messages for the man at his work, home and mobile numbers. He had not called back, and later claims he “doesn’t know how” to work his voice mail and doesn’t like to be “too available” by answering his calls regularly. (Yeah, I bet his employer loves that one.) Anyway, when I finally talked to the man the first time, I was so shocked that he answered I didn’t think to give him the full spiel about what to expect. Of course when I convinced myself that I had to go back (thank you all again for saying “DUH, YES”) I dreaded that run-around. As expected, I just about wore out the re-dial button calling him before I reached the man. When I did, I apologized profusely and he was perfectly nice and told me he’d meet me at the house in half an hour. When I got there, he had the stuff moved and the attic stairs open. All’s well; report is finished.

Can you imagine telling someone “I drive a Cadillac and don’t haul ladders”?

Liz Buchanan

Elizabeth L. Buchanan

Providing Value to the Mississippi Gulf Coast

Mailto:Liz@BuchananAppraisals.com

phone 228-864-9040; fax 228-864-2570

Order your appraisal online! www.AppraisingTheCoast.com

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Michael Powers
Sent: Monday, November 09, 2009 8:32 AM
To: Total2000UsersGroup@yahoogroups.com
Subject: RE: [WinTOTAL Group] FHA Attic photo exceptions?

Paul

I agree, I provide the ladder and always try to alert the homeowner about the need for access. It’s a lot easier to give the homeowner some lead time than listen to the grumbling as they clean out the closet.

I do know of a local appraiser/instructor whose idea of customer service is: I drive a Cadillac and don’t haul ladders so you better get one. Maybe he benefits from AMC’s and less client contact.

Michael Powers

Omaha, NE

402-651-2020

Certified Appraiser NE/IA FHA

www.PowersRealEstateServices.com

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#124447

From: "Greg Klingler" <greg.klingler@...>
Date: Mon Nov 9, 2009 6:05 pm
Subject: RE: [WinTOTAL Group] FHA Attic photo exceptions?

nysassessor

Offline

Hi Paul,

Greg in Glens Falls

Greg

Yes, but you have that cushy government job, don't you?

I drive a truck and do haul a ladder, but it compresses to a size that would fit in the trunk of a PINTO.

Liz,

I drive both a Riviera and a Sebring convertible and I don’t haul no stinkin’ ladders either!

Greg in Glens Falls

Can you imagine telling someone “I drive a Cadillac and don’t haul ladders”?

Liz Buchanan

Elizabeth L. Buchanan

Providing Value to the Mississippi Gulf Coast

phone 228-864-9040; fax 228-864-2570

Order your appraisal online! www.AppraisingTheCoast.com

Paul

I do know of a local appraiser/instructor whose idea of customer service is: I drive a Cadillac and don’t haul ladders so you better get one. Maybe he benefits from AMC’s and less client contact.

Michael Powers

Omaha, NE

402-651-2020

Certified Appraiser NE/IA FHA

www.PowersRealEstateServices.com

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#124446

From: "Kathleen bryce" <katbryce@...>
Date: Mon Nov 9, 2009 6:07 pm
Subject: Re: [WinTOTAL Group] FHA Attic photo exceptions?

katbryce

Offline

What would happen if I fall off the ladder and break something more important than my pride? Not worth it to me right now as the sole bread winner, chief cook and bottle washer around here..

Kathleen Bryce
Lee County Appraisals
St.Cert.Res REA RD4424
http://www.leecountyappraisals.com
appraiserkat@...
239-940-2225
fax 239-275-4130

----- Original Message -----

From: Paul James

To: Total2000UsersGroup@yahoogroups.com

Sent: Monday, November 09, 2009 12:50 PM

Subject: RE: [WinTOTAL Group] FHA Attic photo exceptions?

Greg

Yes, but you have that cushy government job, don't you?

I drive a truck and do haul a ladder, but it compresses to a size that would fit in the trunk of a PINTO.

PJ

Paul James RAA

3906 Buena Vista Ave

Farmington, NM 87401
paul@...
phone 505-325-6651
fax 505-327-7168

for more information about me, see my web page: www.pjappraisals.com

for information about my Pocket Laser Targets go to:

http://tinyurl.com/2nv5sh

http://www.pjappraisals.com/CustomPage

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Greg Klingler
Sent: Monday, November 09, 2009 10:43 AM
To: Total2000UsersGroup@yahoogroups.com
Subject: RE: [WinTOTAL Group] FHA Attic photo exceptions?

Liz,

I drive both a Riviera and a Sebring convertible and I don�t haul no stinkin� ladders either!

Greg in Glens Falls

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Liz Buchanan
Sent: Monday, November 09, 2009 12:40 PM
To: Total2000UsersGroup@yahoogroups.com
Subject: RE: [WinTOTAL Group] FHA Attic photo exceptions?

Thank you to everyone who responded here. I was trying to talk myself into believing that since the house was relatively new construction that I didn�t have to worry about absent insulation, frayed wiring, etc. The reason I didn�t forewarn the guy is the same reason I didn�t want to have to go back; he�s very hard to reach by phone. It is good practice to give the homeowner a little warning, and it was my fault when I got there and couldn�t get near the attic. Before the original appt, I had left messages for the man at his work, home and mobile numbers. He had not called back, and later claims he �doesn�t know how� to work his voice mail and doesn�t like to be �too available� by answering his calls regularly. (Yeah, I bet his employer loves that one.) Anyway, when I finally talked to the man the first time, I was so shocked that he answered I didn�t think to give him the full spiel about what to expect. Of course when I convinced myself that I had to go back (thank you all again for saying �DUH, YES�) I dreaded that run-around. As expected, I just about wore out the re-dial button calling him before I reached the man. When I did, I apologized profusely and he was perfectly nice and told me he�d meet me at the house in half an hour. When I got there, he had the stuff moved and the attic stairs open. All�s well; report is finished.

Can you imagine telling someone �I drive a Cadillac and don�t haul ladders�?

Liz Buchanan

Elizabeth L. Buchanan

Providing Value to the Mississippi Gulf Coast

Mailto:Liz@BuchananAppraisals.com

phone 228-864-9040; fax 228-864-2570

Order your appraisal online! www.AppraisingTheCoast.com

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Michael Powers
Sent: Monday, November 09, 2009 8:32 AM
To: Total2000UsersGroup@yahoogroups.com
Subject: RE: [WinTOTAL Group] FHA Attic photo exceptions?

Paul

I agree, I provide the ladder and always try to alert the homeowner about the need for access. It�s a lot easier to give the homeowner some lead time than listen to the grumbling as they clean out the closet.

I do know of a local appraiser/instructor whose idea of customer service is: I drive a Cadillac and don�t haul ladders so you better get one. Maybe he benefits from AMC�s and less client contact.

Michael Powers

Omaha, NE

402-651-2020

Certified Appraiser NE/IA FHA

www.PowersRealEstateServices.com

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#124445

From: "Paul James" <paul@...>
Date: Mon Nov 9, 2009 6:03 pm
Subject: RE: [WinTOTAL Group] What is the Legal Description

pjappraiser

Offline

Kat

FWIW-I sometimes use a shortened legal on page 1 of the URAR, but have the full legal on my attached plat.

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Kathleen bryce
Sent: Monday, November 09, 2009 11:01 AM
To: Total2000UsersGroup@yahoogroups.com; buzz forum
Subject: [WinTOTAL Group] What is the Legal Description

This may be mostly a Florida question but...

I am doing a lot of reviews and have always utilized the legal description in short form as published by the County Property Appraiser if the subjects lot was platted or the long legal when the legal is meets and bounds.

But, in some reviews I am seeing an alternate shortened version of the legal description and I am wondering if the following is Kosher, or should be commented on.

Example:
Lee County Property Appraiser as published on Property Card.
CAPE CORAL UNIT 47 PT 2 BLK 3540 PB 23 PG 117 LOTS XX + YY

Legal Description on deed.
Lots XX and YY, Block 3540, UNIT 47, CAPE CORAL, according to the plat thereof, recorded in Plat Book 23, Page 112 through 127, of the Public Records of Lee County, Florida.

Questioned Legal Description in report under review:
Lots XX+YY, BLK 3540, Cape Coral Unit 47 PT.2, PB 23 PG 117

This appears to be an abbreviation of the Legal on the Deed. No where in ANY county records or deeds have I found this abbreviation. Would this be considered a proper legal description because all the parts are there?

If not, why not? What do you think.

Kat Bryce
Fort Myers

Kathleen Bryce
Lee County Appraisals
St.Cert.Res REA RD4424
http://www.leecountyappraisals.com
appraiserkat@...
239-940-2225
fax 239-275-4130

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#124444

From: "Kathleen bryce" <katbryce@...>
Date: Mon Nov 9, 2009 6:01 pm
Subject: What is the Legal Description

katbryce

Offline

This may be mostly a Florida question but...

I am doing a lot of reviews and have always utilized the legal description in short form as published by the County Property Appraiser if the subjects lot was platted or the long legal when the legal is meets and bounds.

But, in some reviews I am seeing an alternate shortened version of the legal description and I am wondering if the following is Kosher, or should be commented on.

Example:
Lee County Property Appraiser as published on Property Card.
CAPE CORAL UNIT 47 PT 2 BLK 3540 PB 23 PG 117 LOTS XX + YY

Legal Description on deed.
Lots XX and YY, Block 3540, UNIT 47, CAPE CORAL, according to the plat thereof, recorded in Plat Book 23, Page 112 through 127, of the Public Records of Lee County, Florida.

Questioned Legal Description in report under review:
Lots XX+YY, BLK 3540, Cape Coral Unit 47 PT.2, PB 23 PG 117

This appears to be an abbreviation of the Legal on the Deed. No where in ANY county records or deeds have I found this abbreviation. Would this be considered a proper legal description because all the parts are there?

If not, why not? What do you think.

Kat Bryce
Fort Myers

Kathleen Bryce
Lee County Appraisals
St.Cert.Res REA RD4424
http://www.leecountyappraisals.com
appraiserkat@...
239-940-2225
fax 239-275-4130

#124443

From: "Paul James" <paul@...>
Date: Mon Nov 9, 2009 5:50 pm
Subject: RE: [WinTOTAL Group] FHA Attic photo exceptions?

pjappraiser

Offline

Greg

Yes, but you have that cushy government job, don't you?

I drive a truck and do haul a ladder, but it compresses to a size that would fit in the trunk of a PINTO.

Liz,

I drive both a Riviera and a Sebring convertible and I don’t haul no stinkin’ ladders either!

Greg in Glens Falls

Can you imagine telling someone “I drive a Cadillac and don’t haul ladders”?

Liz Buchanan

Elizabeth L. Buchanan

Providing Value to the Mississippi Gulf Coast

phone 228-864-9040; fax 228-864-2570

Order your appraisal online! www.AppraisingTheCoast.com

Paul

I do know of a local appraiser/instructor whose idea of customer service is: I drive a Cadillac and don’t haul ladders so you better get one. Maybe he benefits from AMC’s and less client contact.

Michael Powers

Omaha, NE

402-651-2020

Certified Appraiser NE/IA FHA

www.PowersRealEstateServices.com

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#124442

From: "Greg Klingler" <greg.klingler@...>
Date: Mon Nov 9, 2009 5:42 pm
Subject: RE: [WinTOTAL Group] FHA Attic photo exceptions?

nysassessor

Offline

Liz,

I drive both a Riviera and a Sebring convertible and I don’t haul no stinkin’ ladders either!

Greg in Glens Falls

Can you imagine telling someone “I drive a Cadillac and don’t haul ladders”?

Liz Buchanan

Elizabeth L. Buchanan

Providing Value to the Mississippi Gulf Coast

phone 228-864-9040; fax 228-864-2570

Order your appraisal online! www.AppraisingTheCoast.com

Paul

I do know of a local appraiser/instructor whose idea of customer service is: I drive a Cadillac and don’t haul ladders so you better get one. Maybe he benefits from AMC’s and less client contact.

Michael Powers

Omaha, NE

402-651-2020

Certified Appraiser NE/IA FHA

www.PowersRealEstateServices.com

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Checked by AVG - www.avg.com
Version: 8.5.425 / Virus Database: 270.14.56/2491 - Release Date: 11/09/09 07:39:00

#124441

From: "Liz Buchanan" <lizbuchanan@...>
Date: Mon Nov 9, 2009 5:40 pm
Subject: RE: [WinTOTAL Group] FHA Attic photo exceptions?

coriandercat

Offline

Can you imagine telling someone “I drive a Cadillac and don’t haul ladders”?

Liz Buchanan

Elizabeth L. Buchanan

Providing Value to the Mississippi Gulf Coast

phone 228-864-9040; fax 228-864-2570

Order your appraisal online! www.AppraisingTheCoast.com

Paul

I do know of a local appraiser/instructor whose idea of customer service is: I drive a Cadillac and don’t haul ladders so you better get one. Maybe he benefits from AMC’s and less client contact.

Michael Powers

Omaha, NE

402-651-2020

Certified Appraiser NE/IA FHA

www.PowersRealEstateServices.com

#124440

From: "CAAppraiser" <caappraiser@...>
Date: Mon Nov 9, 2009 3:42 pm
Subject: RE: [WinTOTAL Group] Proteck Hold Harmless

rickmarment

Offline

Lee:

I assumed the appraiser did not pay the AMC’s demand letter for payment which would mean the AMC would need to sue for payment. In any case the situation is messy.

I never felt it was appropriate for any company or anyone involved in a Government guaranteed loan the ability to pass responsibility to another party. Hopefully, if the AMC’s are regulated and or licensed, the HHA’s will not be allowed.

Rick

Granite Bay, CA

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Lee
Sent: Saturday, November 07, 2009 8:29 AM
To: Total2000UsersGroup@yahoogroups.com
Subject: RE: [WinTOTAL Group] Proteck Hold Harmless

Rick:

I’m not sure of the name of the AMC, but I’ll try to find out. But as Juan said, the AMC did not sue the appraiser. They simply had their lawyer send the appraiser with a demand letter for payment. If you get such a letter, you’re likely going to need to hire a lawyer to help you try and get out of the agreement. Of course that will cost serious $$$$ too.

Not that it matters much what the name of the AMC is. Any AMC that has you sign a HHA or indemnity clause does it for one reason and one reason only – to protect their own behinds by handing off ALL of the risk to the appraiser! That should be your warning sign! If you sign one, and the AMC ever gets sued, you can pretty much count on them coming after you for coverage of their legal costs.

Leland Hill

Certified General Real Estate Appraiser

Associate Member, Appraisal Institute

(714) 897-3334

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of CAAppraiser
Sent: Friday, November 06, 2009 5:02 PM
To: Total2000UsersGroup@yahoogroups.com
Subject: RE: [WinTOTAL Group] Proteck Hold Harmless

Lee:

What is the name of the AMC that is suing the appraiser. It would be good to know this AMC’s name, so other appraisers can decide if they want to continue to work for this AMC. I don’t think appraisers will continue to work for AMC’s that sue appraisers.

Rick

Granite Bay, CA

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Lee
Sent: Friday, November 06, 2009 3:48 PM
To: Total2000UsersGroup@yahoogroups.com
Subject: RE: [WinTOTAL Group] Proteck Hold Harmless

Greg:

You don’t think AMC’s can get sued?

Think again!

Some are already being sued. Let’s say they pick Joe Schmo from 75 miles away to complete an appraisal on a custom home near the California coast. Dumb appraiser is geographically incompetent. And he appraises the house $40,000 under the agreed purchase price. The buyer has to come in with $40,00 extra cash to close the deal or he loses his house. So buyer does just that. But he’s P.O. and after closing he sues the appraiser AND the AMC ! Not only for the extra $40,000 he had to come out of pocket for, but also emotional distress!

The appraiser’s E&O is likely going to settle this one because litigation is going to be expensive. But here’s the kicker. The appraiser is getting nailed for the retainer fee and any other legal fees the AMC is paying because he signed the HHA. He might, just maybe get out of it, but he now has to HIRE his own lawyer to defend him on this, because his E&O will NOT cover it.

Real case, right here in good ol’ California.

So how do you all feel about signing HHA’s???

Leland Hill

Certified General Real Estate Appraiser

Associate Member, Appraisal Institute

(714) 897-3334

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Greg Klingler
Sent: Friday, November 06, 2009 9:33 AM
To: Total2000UsersGroup@yahoogroups.com
Subject: RE: [WinTOTAL Group] Proteck Hold Harmless

Okay, really STUPID IGNORANT question here BUT...

What liability would an AMC have? Aren’t they only a “matching or brokering service” between lender and appraiser – a conduit for order and delivery of a service? If so, what could / would they do to cause harm that would make them liable for anything?

Greg in Glens Falls

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Juan Restrepo
Sent: Friday, November 06, 2009 12:16 PM
To: Total2000UsersGroup@yahoogroups.com
Subject: [WinTOTAL Group] Proteck Hold Harmless

ProTeck Valuation Services decided to get fired. Here is what they wanted me to agree with, which I won't.

8. Insurance/Indemnity. Vendor agrees to carry General Liability and Errors and Omissions insurance at levels that are customary in the industry. To the extent that Vendor uses a vehicle in the delivery of the Services, Vendor shall carry automobile liability coverage in amounts that are customary in the industry. Vendor agrees to indemnify and hold Pro-Teck harmless from any and all liabilities, losses, or damages including reasonable attorney's fees incurred by Pro-Teck as a result of claims, demands, lawsuits or judgments arising from or in connection with Vendor’s performance under this Agreement.

If anyone in this group is doing work for them, you may want to check with your liability insurance to see the repercussions of agreeing with something like this.

Juan Restrepo
Chandler, AZ

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Reply | Forward | Messages in this Topic (11)

#124439

From: "Michael Barnes" <mwbarnes@...>
Date: Mon Nov 9, 2009 3:22 pm
Subject: Re: [WinTOTAL Group] Gulf Coast (Off topic)

michbarnes2001

Offline

Liz: How's the storm looking in your area?

Michael W. Barnes, CGA
Barnes Appraisal Co, LLC
PO Box 7302, Lawton, OK 73506
1-580 536-1715
1-580 536-1716 (fax)
1-888 805-5990 (toll free)
www.michaelbarnesappraiser.com

----- Original Message -----

From: Kathleen bryce

To: Total2000UsersGroup@yahoogroups.com

Sent: Monday, November 09, 2009 8:21 AM

Subject: Re: [WinTOTAL Group] Lenses for wildlife photography (Off topic)

Thank you Liz...

Kathleen Bryce
Lee County Appraisals
St.Cert.Res REA RD4424
http://www.leecountyappraisals.com
appraiserkat@earthlink.net
239-940-2225
fax 239-275-4130

----- Original Message -----

From: Liz Buchanan

To: Total2000UsersGroup@yahoogroups.com

Sent: Saturday, November 07, 2009 11:12 AM

Subject: RE: [WinTOTAL Group] Lenses for wildlife photography (Off topic)

Kathleen that is simply stunning! Your area, like mine, doesn�t have the fall foliage that other parts of the country experience, but we make up for it in other flora and fauna. I may just have to make your kapok tree my wallpaper for a while.

Liz

Elizabeth L. Buchanan

Providing Value to the Mississippi Gulf Coast

Mailto:Liz@BuchananAppraisals.com

phone 228-864-9040; fax 228-864-2570

Order your appraisal online! www.AppraisingTheCoast.com

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Kathleen bryce
Sent: Saturday, November 07, 2009 8:04 AM
To: Total2000UsersGroup@yahoogroups.com
Subject: Re: [WinTOTAL Group] Lenses for wildlife photography (Off topic) [2 Attachments]

[Attachment(s) from Kathleen bryce included below]

I'm not a wildlife photographer, nor do I shoot race cars flying down the track, but every year I pick the nicest day to take the attached. I have no idea what kind of tree it is, I think it is a kapok. This tree is located along historic McGregor Blvd. McGregor is lined with Royal Palms planted by Thomas Edison and is often featured on local post cards.

Taken with my Kodak V570 which is not a crisp as it used to be.

Kathleen Bryce
Lee County Appraisals
St.Cert.Res REA RD4424
http://www.leecountyappraisals.com
appraiserkat@earthlink.net
239-940-2225
fax 239-275-4130

----- Original Message -----

From: Lee

To: Total2000UsersGroup@yahoogroups.com

Sent: Friday, November 06, 2009 6:49 PM

Subject: RE: [WinTOTAL Group] Lenses for wildlife photography (Off topic)

Guess who Floyd calls for advice?

Feel free to call me.

Leland Hill

Certified General Real Estate Appraiser

Associate Member, Appraisal Institute

(714) 897-3334

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Denny Daniels
Sent: Friday, November 06, 2009 10:11 AM
To: Total2000UsersGroup@yahoogroups.com
Subject: [WinTOTAL Group] Lenses for wildlife photography (Off topic)

I was hoping I could get Floyd Tillery's phone number so I could ask him some questions about wildlife photography and which lense I should buy. I have purchased a Sony Digital SLR. It came with a 200 zoom lense, but here in the desert it just does not seem to be enough. Thanks in advance for any input.

Dennis E. Daniels
Licensed Residential Real Estate Appraiser
ApprAZit LLC
PO Box 1122
Marana, AZ 85653
Phone : 520-403-5151
Fax : 520-886-2988

Attachment(s) from Kathleen bryce

2 of 2 Photo(s)

100_1599.JPG

DCP_3324.JPG

Reply | Forward | Messages in this Topic (2)

#124438

From: "Greg Klingler" <greg.klingler@...>
Date: Mon Nov 9, 2009 3:03 pm
Subject: RE: [WinTOTAL Group] A video clip link

nysassessor

Offline

http://www.youtube.com/watch?v=V_EeQ19ciw4

I must admit that I’m a little naive regarding the video portions of these newer cameras. Question have is this...Can you make a good still photo out of a digital video frame? Reason being is that I take a lot of railroad pictures and would love to be able to do a video of a train going by, pick the best shot from the video, and then blow it up for a still shot. Do these types of cameras allow this and if so, what’s the resolution in MPXs?

Thanks

Greg in Glens Falls

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of srsketch
Sent: Sunday, November 08, 2009 11:38 AM
To: Total2000UsersGroup@yahoogroups.com
Subject: Re: [WinTOTAL Group] A video clip link

Last post on this - promise... ;-)

Here is a link to a decent video clip shot with the GF1. I like this one because it has such a wide variety of venues/conditions. Well, I missed the underwater part, LOL. (Just kidding - this one will not tolerate water!)

In any case, I hope these past few posts help illustrate what I mean by "credible job"...

-Randall Garrett-

..Apex Software..

/end/

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Reply | Forward | Messages in this Topic (37)

#124437

From: "Michael Powers" <pres-llc@...>
Date: Mon Nov 9, 2009 2:32 pm
Subject: RE: [WinTOTAL Group] FHA Attic photo exceptions?

powers371

Offline

Paul

I do know of a local appraiser/instructor whose idea of customer service is: I drive a Cadillac and don’t haul ladders so you better get one. Maybe he benefits from AMC’s and less client contact.

Michael Powers

Omaha, NE

402-651-2020

Certified Appraiser NE/IA FHA

www.PowersRealEstateServices.com

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Paul Lachance
Sent: Sunday, November 08, 2009 3:46 PM
To: Total2000UsersGroup@yahoogroups.com
Subject: Re: [WinTOTAL Group] FHA Attic photo exceptions?

Michael,

I also wanted to weigh in on that question but did not have time. I don't think you missed an update...the directive and protocol is quite clear. EXCEPT for the last sentence..."Size of scuttle and accessibility dictate the level of entry." An argument could be made re: the accessibility that was referred.

Solution: Carry a ladder or make it "subject to". Appraiser should have informed homeowner that access is mandated by FHA and that the homeowner has to provide accessibility - not a ladder!

Just my 2 cents.

Paul L

GJ, CO

----- Original Message -----

From: Michael Powers

To: Total2000UsersGroup@yahoogroups.com

Sent: Sunday, November 08, 2009 2:10 PM

Subject: RE: [WinTOTAL Group] FHA Attic photo exceptions?

I’ve been lurking on this thread waiting for someone to confirm what I thought which is the requirement is a head and shoulders inspection. While I always take at least one photo I was under the impression this was not required but more something to assure the reader of the report and a CYA the attic inspection was completed.

Here’s a snagit of the 4150.2. Did I miss an update.

Michael Powers

Omaha, NE

402-651-2020

Certified Appraiser NE/IA FHA

www.PowersRealEstateServices.com

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Kathleen bryce
Sent: Saturday, November 07, 2009 7:45 AM
To: Total2000UsersGroup@yahoogroups.com
Subject: Re: [WinTOTAL Group] FHA Attic photo exceptions?

This is a awesome idea for getting the picture, unfortunately this does not comply with FHA guidelines. FHA states that the attic and any crawl spaces must be inspected by head and shoulders. The photograph is a client requirement, not FHA's. So taking such a picture may satisfy the clients requirements but does not comply with FHA's guidelines.

Truth be told most of us would be tempted to just snap the picture and move on. I just want to make sure that those less experienced know the liability of not doing a complete inspection.

I haven't completed an FHA inspection in so long and it is because I charge too much. If I have to climb ladders and crawl into crawl spaces, someone has to pay...

Kathleen Bryce
Lee County Appraisals
St.Cert.Res REA RD4424
http://www.leecountyappraisals.com
appraiserkat@...
239-940-2225
fax 239-275-4130

----- Original Message -----

From: Craig Holdiman

To: Total2000UsersGroup@yahoogroups.com

Sent: Friday, November 06, 2009 3:42 PM

Subject: RE: [WinTOTAL Group] FHA Attic photo exceptions?

Good idea!

Thanks, Bruce.

Craig Holdiman

Valuations for the Cedar Valley of Iowa

319-236-2942-office

319-234-8011-fax

holdiman1@...

www.holdimanappraisals.com

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Cycad Center
Sent: Friday, November 06, 2009 2:32 PM
To: Total2000UsersGroup@yahoogroups.com
Subject: Re: [WinTOTAL Group] FHA Attic photo exceptions?

Liz.

I always carry a monopod for my camera in the car for situations like this.

I have a four section one which extends out abt 4ft, attach it to your camera, set it on a 10 sec delay, poke the camera in the attic and wait for the flash, I generally take abt 4 photos so you can get a good idea of whats up there.

Bruce

Fallbrook CA

----- Original Message -----

From: Liz Buchanan

To: Total2000UsersGroup@yahoogroups.com

Sent: Thursday, November 05, 2009 7:48 AM

Subject: [WinTOTAL Group] FHA Attic photo exceptions?

I need some input from the group, please. It seems I remember hearing about an exception to the attic photo rule for FHA. Maybe it's wishful thinking.

At the subject property, the attic access is in the garage, a traditional pull-down stair. When I opened the door from the house to the garage, my foot hit a giant box of STUFF. As far into the garage as I could see was more STUFF. I can see the drop-stair panel in the ceiling. Maybe a long-legged strong-balanced person could pick their way through the STUFF to get there, but there's no space to place the bottom of the fold-out ladder. Here's what I found in 4150.2

To perform this analysis, the appraiser must have full access to all property improvements. If unable to visually evaluate the improvements in their entirety, contact the lender and reschedule a time when a complete visual inspection can be performed. This includes access to the crawl space and attic. The appraiser is not required to disturb insulation, move personal items, furniture, equipment, plant life, soil, snow, ice or debris that obstructs access or visibility.

Now let me tell you about the house. It was rebuilt after the storm, so it's got a new roof, new insulation. I can see the roof turban vents rotating to I can say it's ventilated. The owner is with the city police/fire/rescue unit and we chatted about fires (before I saw that I could not inspect the attic) and I think he would have mentioned having had one. I feel confident that there are no attic problems, but will not sign a report saying I saw it when I didn't. What say you? Do I have to make the guy clean out a path in the garage to I can take that photo or is there an exception to the FHA rule for relatively new, good quality construction combined with chatty homeowners?

Liz, not wanting to go back to Eagle Point today for one photo

Elizabeth L. Buchanan

Providing Value to the Mississippi Gulf Coast

Mailto:Liz@...

phone 228-864-9040; fax 228-864-2570

Order your appraisal online! www.AppraisingTheCoast.com

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Checked by AVG - www.avg.com
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#124436

From: "Kathleen bryce" <katbryce@...>
Date: Mon Nov 9, 2009 2:21 pm
Subject: Re: [WinTOTAL Group] Lenses for wildlife photography (Off topic)

katbryce

Offline

Thank you Liz...

Kathleen Bryce
Lee County Appraisals
St.Cert.Res REA RD4424
http://www.leecountyappraisals.com
appraiserkat@...
239-940-2225
fax 239-275-4130

----- Original Message -----

From: Liz Buchanan

To: Total2000UsersGroup@yahoogroups.com

Sent: Saturday, November 07, 2009 11:12 AM

Subject: RE: [WinTOTAL Group] Lenses for wildlife photography (Off topic)

Kathleen that is simply stunning! Your area, like mine, doesn�t have the fall foliage that other parts of the country experience, but we make up for it in other flora and fauna. I may just have to make your kapok tree my wallpaper for a while.

Liz

Elizabeth L. Buchanan

Providing Value to the Mississippi Gulf Coast

Mailto:Liz@...

phone 228-864-9040; fax 228-864-2570

Order your appraisal online! www.AppraisingTheCoast.com

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Kathleen bryce
Sent: Saturday, November 07, 2009 8:04 AM
To: Total2000UsersGroup@yahoogroups.com
Subject: Re: [WinTOTAL Group] Lenses for wildlife photography (Off topic) [2 Attachments]

[Attachment(s) from Kathleen bryce included below]

I'm not a wildlife photographer, nor do I shoot race cars flying down the track, but every year I pick the nicest day to take the attached. I have no idea what kind of tree it is, I think it is a kapok. This tree is located along historic McGregor Blvd. McGregor is lined with Royal Palms planted by Thomas Edison and is often featured on local post cards.

Taken with my Kodak V570 which is not a crisp as it used to be.

Kathleen Bryce
Lee County Appraisals
St.Cert.Res REA RD4424
http://www.leecountyappraisals.com
appraiserkat@...
239-940-2225
fax 239-275-4130

----- Original Message -----

From: Lee

To: Total2000UsersGroup@yahoogroups.com

Sent: Friday, November 06, 2009 6:49 PM

Subject: RE: [WinTOTAL Group] Lenses for wildlife photography (Off topic)

Guess who Floyd calls for advice?

Feel free to call me.

Leland Hill

Certified General Real Estate Appraiser

Associate Member, Appraisal Institute

(714) 897-3334

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Denny Daniels
Sent: Friday, November 06, 2009 10:11 AM
To: Total2000UsersGroup@yahoogroups.com
Subject: [WinTOTAL Group] Lenses for wildlife photography (Off topic)

I was hoping I could get Floyd Tillery's phone number so I could ask him some questions about wildlife photography and which lense I should buy. I have purchased a Sony Digital SLR. It came with a 200 zoom lense, but here in the desert it just does not seem to be enough. Thanks in advance for any input.

Dennis E. Daniels
Licensed Residential Real Estate Appraiser
ApprAZit LLC
PO Box 1122
Marana, AZ 85653
Phone : 520-403-5151
Fax : 520-886-2988

Attachment(s) from Kathleen bryce

2 of 2 Photo(s)

100_1599.JPG

DCP_3324.JPG

Reply | Forward | Messages in this Topic (18)

#124435

From: "Paul Lachance" <paul587@...>
Date: Sun Nov 8, 2009 9:45 pm
Subject: Re: [WinTOTAL Group] FHA Attic photo exceptions?

paul587arthur

Offline

Michael,

Solution: Carry a ladder or make it "subject to". Appraiser should have informed homeowner that access is mandated by FHA and that the homeowner has to provide accessibility - not a ladder!

Just my 2 cents.

Paul L

GJ, CO

----- Original Message -----

From: Michael Powers

To: Total2000UsersGroup@yahoogroups.com

Sent: Sunday, November 08, 2009 2:10 PM

Subject: RE: [WinTOTAL Group] FHA Attic photo exceptions?

I�ve been lurking on this thread waiting for someone to confirm what I thought which is the requirement is a head and shoulders inspection. While I always take at least one photo I was under the impression this was not required but more something to assure the reader of the report and a CYA the attic inspection was completed.

Here�s a snagit of the 4150.2. Did I miss an update.

Michael Powers

Omaha, NE

402-651-2020

Certified Appraiser NE/IA FHA

www.PowersRealEstateServices.com

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Kathleen bryce
Sent: Saturday, November 07, 2009 7:45 AM
To: Total2000UsersGroup@yahoogroups.com
Subject: Re: [WinTOTAL Group] FHA Attic photo exceptions?

This is a awesome idea for getting the picture, unfortunately this does not comply with FHA guidelines. FHA states that the attic and any crawl spaces must be inspected by head and shoulders. The photograph is a client requirement, not FHA's. So taking such a picture may satisfy the clients requirements but does not comply with FHA's guidelines.

Truth be told most of us would be tempted to just snap the picture and move on. I just want to make sure that those less experienced know the liability of not doing a complete inspection.

I haven't completed an FHA inspection in so long and it is because I charge too much. If I have to climb ladders and crawl into crawl spaces, someone has to pay...

Kathleen Bryce
Lee County Appraisals
St.Cert.Res REA RD4424
http://www.leecountyappraisals.com
appraiserkat@earthlink.net
239-940-2225
fax 239-275-4130

----- Original Message -----

From: Craig Holdiman

To: Total2000UsersGroup@yahoogroups.com

Sent: Friday, November 06, 2009 3:42 PM

Subject: RE: [WinTOTAL Group] FHA Attic photo exceptions?

Good idea!

Thanks, Bruce.

Craig Holdiman

Valuations for the Cedar Valley of Iowa

319-236-2942-office

319-234-8011-fax

holdiman1@mchsi.com

www.holdimanappraisals.com

From: Total2000UsersGroup@yahoogroups.com [mailto:Total2000UsersGroup@yahoogroups.com] On Behalf Of Cycad Center
Sent: Friday, November 06, 2009 2:32 PM
To: Total2000UsersGroup@yahoogroups.com
Subject: Re: [WinTOTAL Group] FHA Attic photo exceptions?

Liz.

I always carry a monopod for my camera in the car for situations like this.

I have a four section one which extends out abt 4ft, attach it to your camera, set it on a 10 sec delay, poke the camera in the attic and wait for the flash, I generally take abt 4 photos so you can get a good idea of whats up there.

Bruce

Fallbrook CA

----- Original Message -----

From: Liz Buchanan

To: Total2000UsersGroup@yahoogroups.com

Sent: Thursday, November 05, 2009 7:48 AM

Subject: [WinTOTAL Group] FHA Attic photo exceptions?

I need some input from the group, please. It seems I remember hearing about an exception to the attic photo rule for FHA. Maybe it's wishful thinking.

At the subject property, the attic access is in the garage, a traditional pull-down stair. When I opened the door from the house to the garage, my foot hit a giant box of STUFF. As far into the garage as I could see was more STUFF. I can see the drop-stair panel in the ceiling. Maybe a long-legged strong-balanced person could pick their way through the STUFF to get there, but there's no space to place the bottom of the fold-out ladder. Here's what I found in 4150.2

To perform this analysis, the appraiser must have full access to all property improvements. If unable to visually evaluate the improvements in their entirety, contact the lender and reschedule a time when a complete visual inspection can be performed. This includes access to the crawl space and attic. The appraiser is not required to disturb insulation, move personal items, furniture, equipment, plant life, soil, snow, ice or debris that obstructs access or visibility.

Now let me tell you about the house. It was rebuilt after the storm, so it's got a new roof, new insulation. I can see the roof turban vents rotating to I can say it's ventilated. The owner is with the city police/fire/rescue unit and we chatted about fires (before I saw that I could not inspect the attic) and I think he would have mentioned having had one. I feel confident that there are no attic problems, but will not sign a report saying I saw it when I didn't. What say you? Do I have to make the guy clean out a path in the garage to I can take that photo or is there an exception to the FHA rule for relatively new, good quality construction combined with chatty homeowners?

Liz, not wanting to go back to Eagle Point today for one photo

Elizabeth L. Buchanan

Providing Value to the Mississippi Gulf Coast

Mailto:Liz@BuchananAppraisals.com

phone 228-864-9040; fax 228-864-2570

Order your appraisal online! www.AppraisingTheCoast.com

No virus found in this incoming message.
Checked by AVG - www.avg.com
Version: 8.5.425 / Virus Database: 270.14.55/2489 - Release Date: 11/08/09 07:37:00