Unfortunately, both of my associates are correct. You don't have any recourse other than to do what the underwriter requests.

Good luck!

Jackie

The lender makes the rules..If you don't comply, you don't get the loan, it's just that simple

FHA & VA have guidelines that must be followed

Hi Bjv,

FHA underwriters are getting very picky these days. They have always had a right to call the shots as they see fit but are now really hypersensitive. I have performed inspections lately where appraisers for refi's have called out possible foundation issues because of expansion cracks in brick not even related to foundation movement. The banks are wanting to cover themselves are are working off of the general notations of Appraisers now.

If you were quoted $600 - $1400 for a mold inspection and 2 weeks to have it completed then I would recommend that you look for another Mold Inspector!! That seems quite high for a simple mold inspection and test results can be had in two or three days easily. I know a Mold Assessment Consultant (MAC) here in this area that might be able to refer you to a reputable MAC in your area. I would not use a Mold Assessment Technician (MAT) as they can only test for mold and not write any remediation plans if necessary. MATs are generally charging the same as MACs for inspections and tests.

The MAC I know here is Benny Stewart of Stewart Inspections (http://www.stewarthomeinspections.com), 214-908-0626. Give him a call tomorrow and see if he can refer you to a reputable MAC in your area that is more reasonable. Benny is an honest and good person who will do what he can to assist you.

Good luck!

Emmanuel J. Scanlan
PS Inspection & Property Services LLC http://www.psinspection.com
214-418-4366 (cell)
TREC License # 7593
International Code Council, Residential Combination Inspector #5247015-R5 (Electrical, Mechanical, Plumbing and Building)
Certified Infrared Thermographer (ASNT-TC1A Standards)
Texas Residential Construction Commission, Third Party Warranty Inspector #1593
Texas Residential Construction Commission, Inspector, County Inspection Program
Texas Department Of Insurance, VIP Inspector # 08507061016
Hayman Residential Engineering Services, Field Technician
CMC Energy - Certified Energy Auditor

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