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A Call to Alarms
A Call to Alarms
 
While the title of this post may be a play on words, the subject is no joke.  The villain goes by the moniker "The Silent Killer," and he potentially has access to both your home and mine.  As a California mortgage professional, carbon monoxide poisoning is a real issue for me because if a home is not suitably outfitted with the alarms that detect this threat, we can be virtually certain we are going to have problems during the loan process and when the appraisal comes in.
 
SB183, the Carbon Monoxide Poisoning Prevention Act, went into effect on July 1, 2011, yet we still come across homes on both the purchase and refinance side that lack CO detectors.  No matter how often we remind listing agents to assure their homes are adequately equipped, we still get reports back that indicate their absence.  Some time ago, I even convinced our appraisal management company (AMC) to change the language of the appraisal order e-mail to include, prominently in bold red font, that carbon monoxide detectors must be installed prior to inspection.  
 
But I write this post not because I wish to chastise the oversights of Realtors and homeowners. ... more

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