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If the buyer refuses to use my lender, I tell him, "That fine, Nike Shoes Janoski Boys
I like to use it as a negotiating tool upfront. I will generally tell the buyer that I pay for ALL appraisal costs (including both appraisals) if they use my lender in the transaction because I know my lender will get the job done, it worth it to me to pay the few hundred dollars to control the deal.
but in that case, I won be paying any appraisal costs," and we write that stipulation into the contract. As soon as the contract is Nike Sb Janoski Max Mid Baroque
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Unless you willing to just pay the cost yourself, this probably isn something you want to wait until later in the process to discuss with the lender. I had situations where the lender refused to pay, I refused to pay and the process has just come to a halt. It wasn fun, and ultimately the compromise I agreed to was, "The lender will pay out of pocket and I reimburse him at the closing." This way I don have to pay for the appraisal unless it actually closes.
he have already agreed that he was okay with me not paying the costs. He then have to cover it himself.
You are correct that the buyer can pay for it after that, FHA doesn care. So, it up to you to negotiate whether you pay for it or the lender does.
While many lenders won realize until later that two appraisals are needed and the buyer can pay for both, he Nike Sb Shoes Skate can really come back to me to complain. He just look stupid for not understanding the rules and regulations of FHA loans upfront, and Nike Sb Janoski Lime Green
ratified, I call the buyer lender, and I discuss the situation. I explain that the buyer insisted on using him as the lender (which is fine!), but that I then won pay for any appraisals, and I get the lender to agree that he understands this.
FHA 2nd appraisal
So, at very least, don pay for it until close just in case the lender can get the job done and it never closes, you won have wasted the money.
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