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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link=blue vlink=purple><div class=WordSection1><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Times New Roman","serif"'>Appraisers vary on how rigidly they interpret and/or enforce the guidelines so i t may be a lot easier to pick a new lender and order a new appraisal. FHA appraisals follow the property so this wouldn’t work but I think VA appraisals are more like Fannie/Freddie and do not. Ask a loan officer that does VA loans and they’ll know. <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Times New Roman","serif"'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Times New Roman","serif"'>I suspect the problem is that the value came in low since the current appraiser won’t include the 300’ of attic space. If that’s the case, they might also challenge the valuation if they think the appraiser missed something about the comparables he chose or missed a better comparable that better supports the price per foot you need. I deal with this sort of thing with some frequency but don’t have the bandwidth to take on the client.<o:p></o:p></span></p><div><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Times New Roman","serif"'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Times New Roman","serif"'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Times New Roman","serif"'>Marc Holmes<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Times New Roman","serif"'>Holmes Law Group PLLC<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Times New Roman","serif"'>808 5th Ave N<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Times New Roman","serif"'>Seattle WA 98109<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Times New Roman","serif"'><a href="http://holmeslawgroup.com/">HolmesLawGroup.com</a><span style='color:#1F497D'><o:p></o:p></span></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Times New Roman","serif"'><a href="mailto:marc@holmeslawgroup.com">marc@holmeslawgroup.com</a><span style='color:#1F497D'><o:p></o:p></span></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Times New Roman","serif"'>Ofc: 206-357-4224<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Times New Roman","serif"'>Cell: 206-849-0853<o:p></o:p></span></p></div><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Times New Roman","serif"'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> wsbarp-bounces@lists.wsbarppt.com [mailto:wsbarp-bounces@lists.wsbarppt.com] <b>On Behalf Of </b>Ronald L. Coleman<br><b>Sent:</b> Friday, February 24, 2017 9:09 AM<br><b>To:</b> 'wsbarp@lists.wsbarppt.com'<br><b>Subject:</b> [WSBARP] Referral Needed --- Lack of Permit Question<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><div><p class=MsoNormal> <o:p></o:p></p><p class=MsoNormal><span style='font-size:14.0pt;color:black'>PC purchased house a year ago which was built in 1923, with unfinished attic at that time. 1971, attic finished without permit, but included by assessor in square footage of house. All work is fine and house has been appraised and sold four times since 1971, with the approx. 300 sq ft in upstairs (attic originally) included. House now being sold and VA appraiser says cannot include the upstairs because ceiling is 7 ft 4 inches and needs to be for code 7 ft 6 or 8 in (I am not sure on the 6” or 8”0). City of Tacoma says no record of permit. Workmanship not an issue and could be permitted if ceiling was higher, per City. I need to refer this to someone who has handled matters like this. I have heard of whole houses and garages being “permitted’ after the fact, and this one seems very strange. The VA appraiser will not approve unless City says ok for use as finished.</span><o:p></o:p></p><p class=MsoNormal><span style='font-size:14.0pt;color:black'> </span><o:p></o:p></p><p class=MsoNormal><span style='font-size:14.0pt;color:black'>Thank you.</span><o:p></o:p></p><p class=MsoNormal><span style='font-size:14.0pt;color:black'> </span><o:p></o:p></p><p class=MsoNormal><span style='font-size:14.0pt;color:black'>Ron Coleman</span><o:p></o:p></p><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'>Ronald L. Coleman<br></span><span style='font-size:7.5pt;font-family:"Verdana","sans-serif";color:black'>Direct 253-238-5129 - <a href="mailto:rcoleman@dpearson.com">rcoleman@dpearson.com</a></span><o:p></o:p></p></div><p class=MsoNormal><b><span style='font-size:13.5pt;font-family:"Times New Roman","serif";color:#5A647F'>Davies Pearson, </span></b><b><span style='font-size:10.0pt;font-family:"Times New Roman","serif";color:#5A647F'>P.C.</span></b><span style='font-size:12.0pt;font-family:"Times New Roman","serif";color:black'><br></span><span style='font-size:7.5pt;font-family:"Verdana","sans-serif";color:#5A647F'>ATTORNEYS AT LAW</span><span style='font-size:12.0pt;font-family:"Times New Roman","serif";color:black'><br></span><span style='font-size:7.5pt;color:black'>920 Fawcett Avenue / PO Box 1657, Tacoma, WA 98401<br>253-620-1500 | Fax 253-238-5158 | </span><span style='font-size:12.0pt;font-family:"Times New Roman","serif";color:black'><a href="http://www.dpearson.com"><span style='font-size:7.5pt;font-family:"Calibri","sans-serif"'>www.dpearson.com</span></a> <br></span><span style='font-size:7.5pt;color:black'><a href="http://www.dpearson.com/wp-content/uploads/2015/03/Ronald_1584702.vcf">Download vCard</a> | <a href="http://www.dpearson.com/people/ronald-l-coleman">View Profile</a></span><o:p></o:p></p></div><p><span style='font-size:7.5pt;color:gray'>This e-mail is covered by the Electronic Communications Privacy Act, 18 U.S.C. secs. 2510-2521, and is legally privileged and confidential. If the reader of this message is not the intended recipient, the reader is hereby notified that any unauthorized review, dissemination, distribution, or copying of this message is strictly prohibited. If you are not the intended recipient, please contact the sender by reply e-mail or call the sender at (800) 439-1112, and destroy all copies of the original message. <o:p></o:p></span></p><p><span style='font-size:7.5pt;color:gray'>IRS regulations require us to advise you that, unless otherwise specifically noted, any federal tax advice in this communication (including any attachments, enclosures, or other accompanying materials) was not intended or written to be used, and it cannot be used, by any person for the purpose of avoiding tax-related penalties; furthermore, this communication was not intended or written to support the promotion or marketing of any of the transactions or matters it addresses. Please call us for additional information. <o:p></o:p></span></p></div></body></html>