Comments on: Unpermitted Additions “Zombie” Assignment Condition https://appraisersblogs.com/appraisal/unpermitted-additions-zombie-assignment-condition/ Appraisal News and Tips for Real Estate Appraisers Sun, 28 Jul 2024 05:09:07 +0000 hourly 1 https://wordpress.org/?v=7.0 By: Baggins https://appraisersblogs.com/appraisal/unpermitted-additions-zombie-assignment-condition/#comment-11822 Wed, 27 May 2015 21:56:33 +0000 http://appraisersblogs.com/?p=7751#comment-11822 Such a request may constitute a violation of administrative review being improperly extended to include influencing the appraisers valuation results.  For areas that do have permitting, appraisers are advised to also contact building departments because sometimes seemingly unpermitted additions are in fact permitted, but the builder department never updated the assessor department.  You have to call both departments to know for sure.  For places like Denver where you have to file a written request and then wait days or weeks, such proper identification becomes even more difficult, and even seeking such verification may cross the line with confidentiality because the appraiser should not just alert the county and act like the permit police.  If lenders and amc’s are having a problem with this issue, they need to take the lead role and be willing to assist owners in getting their permits, and then also be willing to give the appraiser a final inspection fee once the borrowers side of the transaction is finally covered and tied up properly.  It is not the appraisers responsibility to be the permit police.  If the local municipalities have a problem with unpermitted additions, their own panel and staff appraisers and neighborhood workers should be the ones to correct that.  The federally chartered GSE is trying to make local appraisers act like county authorities regarding unpermitted additions, but FNMA has apparently no such rules which are applicable to local municipalities themselves.  And why should they, because states rights mean just that and each municipality is allowed to function as it chooses.  FNMA is a private corporation, when all is said and done, and does not have the authority to effect local government process.  FNMA requirements are over reaching for these considerations, in such locations where either permits are not issued, or locations where appraisers cannot readily obtain such information without sending home owners through official process.

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