We are always listening to the client on an FHA 203k loan. In the early stages of the inspection process when we identify what is necessary to comply with the HUD MPS (minimum property standards). Then, of course, we add whatever else the borrower might like to add to really "make this their home" their mark, if you will, on the home may be very unique to the borrower.
The work gets started after it closes escrow and the borrower and contractor are "alone" working through the list of repair items we had created... or in the case of a "Streamlined k" they may be alone to solve these issues all by themselves.
In any case if a consultant is called in for a draw inspection or a compliance inspection (Streamlined k) it is the duty of the person making that inspection to insure the work was completed in a "workmanlike" manner and not to just approve any repair.
Example:
This is an eave vent that the contractor and borrower were both perfectly happy to get paid for. NOT. This is a new 3-1/2" eave vent installed over a 5-1/2" opening and a torn vent. This was not approved by the way, it must be replaced with the proper 5-1/2" x 22" eave vent. It isn't enough to be the right type vent, it also must be the right size vent. Sorry but no cigar... by they way this is why most lenders don't want to see "self help" on any 203k project.
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