Bank of America Mortgage Apprasial and Underwriters?

All of us have to face the facts; everyone is trying to cover their 's. All I can speak to though is the appraiser issues you bring up. The appraisal is for the lender to make a good buying decision. If it is FHA the guidelines and inspection are a more in depth inspection and requirements. For example, if the power were off in the property when the appraiser was there, nothing would have ped the inspection, all the utilities have to be on and in working order. If there are missing switch plates, they have to be replaced. If light fixture are missing, a fixture must be put in place... As for the pool, it's only a safety concern if not properly fenced. If the property were in a cold climate like Minnesota, pool's generally do not add value and in some cases are a negative value. So don't blame the appraiser for doing their job according to the guidelines. You need to raise hell with that lenders bank manager.