Unusual Circumstance | Who is able to escalate?

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  • #74865
    Tia
    Member

    Hello,

    I am dealing with an unusual issue with the appraiser and I’d like to know if there’s anything I can do to push my file along & hopefully get the CTC next week.

    My homes value came back fine during the appraisal; however, the appraiser wrote a bit of information in the wrong section of the appraisal. This mistake delayed my file as I had to wait for him to send a correction. The correction took place on 3/26 but it was followed by another mistake which was corrected on 3/30. Now, Another mistake with the appraisal is causing yet another delay. The lender currently needs the appraiser to include the APN number onto the appraisal & I am realizing this has been asked for of the appraiser since 3/8.

    I attempted to contact the Regional Director several times asking for an escalation or to at least find out if the underwriter placed a due date on the condition as I am now homeless & I’ve been waiting for a CTC for the past two weeks. I’ve yet to receive a response.

    I am stuck and I don’t know what else to do.

    Is there anyone other than the Regional Director able to assist with getting me out of the middle of this? Is this able to be fixed on the back end (i.e., allow me to close & fix it on their own time)? Not sure if it’s worth mentioning, but I signed an appraisal waiver weeks ago that I clearly misunderstood as I figured it’d prevent additional appraisal hold-ups.

    Any information you’re able to share will be greatly appreciated!

    Thank you,
    Tia

    #74866
    TTrumble
    Member

    Hello Tia,

    This is really strange. The fact is the appraiser is an independent businessperson who is hired and paid by the bank. The appraiser has no connection to NACA whatsoever. Therefore, if the bank needs something, they can communicate with the appraiser directly.

    You’re actually trying too hard. Communicate with your counselor, who is always your primary point of contact. It is the counselor’s responsibility to advocate for you regarding any and all inaccuracies with the appraisal.

    Tim Trumble
    Online Operations, NACA

    #74867
    Tia
    Member

    Hello Mr. Tim,

    Thank you for your response.

    I agree, my MC should be my primary point of contact; however, my MC has been unsuccessful in assisting me with much of anything resulting in me having to advocate for myself since October.

    It’s extremely difficult but I’ll try to remain positive. I will pray that the appraiser isn’t off on Friday and is able to finally provide the lender with the requested APN number.

    Thank you,
    Tia

    • This reply was modified 5 months, 3 weeks ago by Tia.
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