Subject: Re: Fwd: stairs
From: "Michael B" <[email-masked]>
To: "Rob Gilreath" <[email-masked]>
Date: Wed, 28 Oct 2015 15:19:36 -0400

So Rob.
Does this mean that the possibility of the lock being added and the reduction of the sq. footage, creating a price reduction, not an option?
Thank you,
Michael B
LLPS

From: Rob Gilreath 
Sent: Wednesday, October 28, 2015 2:46 PM
To: Brad Gilreath ; Michael B 
Subject: Fwd: stairs

FYI 

Rob Gilreath 

Begin forwarded message:

  From: Karen Brook <[email-masked]>
  Date: October 28, 2015 at 2:38:01 PM EDT
  To: Rob Gilreath <[email-masked]>, Raeanne Mardigian <[email-masked]>
  Cc: Rob Gilreath <[email-masked]>
  Subject: RE: stairs

  FHA is referring it up the chain, stay tune!

             Karen Brook
              Senior Mortgage Banker

              [email-masked]
              Phone: (517)853-5121
              Fax: (517)853-5171
              www.dartbank.com
              NMLS: 783159

       
        Dart Bank • 500 N Homer • Lansing  • 48912 • MI • United States                              

        NOTE:Clients can send us encrypted messages by visiting www.dartbank.com or http://www.dartbank.com/about-secure-mail.html and clicking on the 'send us a secure email' link. Non-encrypted email messages are very easy to intercept by hackers and it only takes a moment and helps keep our clients information secure.

        This correspondence may contain information that is confidential, proprietary or "non-public personal information" as defined in the Gramm-Leach-Bliley Act (collectively, "Confidential Information"). The Confidential Information is disclosed conditioned upon your agreement that you will treat all Confidential Information confidentially and in accordance with applicable law, ensure that such information is not used or disclosed except for the limited purpose for which it is being provided and will notify and cooperate with Dart Bank regarding any requested disclosure or any unauthorized disclosure or use of any of the Confidential Information. By accepting and reviewing the Confidential Information you agree to indemnify Dart Bank against any losses or expenses, including attorney's fees that Dart Bank may incur as a result of any unauthorized use or disclosure of the Confidential Information, due to your acts or omissions. If this correspondence is received by a party other than the intended recipient, you are requested to immediately notify us of the erroneous delivery and return to us all information so delivered.

       

  From: Karen Brook 
  Sent: October 28, 2015 12:49 PM
  To: Rob Gilreath; Raeanne Mardigian
  Cc: Rob Gilreath
  Subject: RE: stairs

  I’ve called 3 appraisers and sent pictures to them, due to the most recent Safety rules in place for appraisals all indicated this would be a serious issue. Switching to Conventional does not change the Safety Issue of the stairs with no landing. Concern if some child or adult was at top, it’s very unsafe. 

  He is calling FHA. He is really wanting this to work. He will ask them for suggestions as well as asking if a significant sturdy handrail was installed on each side top to bottom if that would change it.  

  Does anyone really have any builder contractors indicating that there is no possible way to increase safety? Please tell me how many contractors have actually reviewed this?  

             Karen Brook
              Senior Mortgage Banker

              [email-masked]
              Phone: (517)853-5121
              Fax: (517)853-5171
              www.dartbank.com
              NMLS: 783159

       
       
        Dart Bank • 500 N Homer • Lansing  • 48912 • MI • United States                              

        NOTE:Clients can send us encrypted messages by visiting www.dartbank.com or http://www.dartbank.com/about-secure-mail.html and clicking on the 'send us a secure email' link. Non-encrypted email messages are very easy to intercept by hackers and it only takes a moment and helps keep our clients information secure.

        This correspondence may contain information that is confidential, proprietary or "non-public personal information" as defined in the Gramm-Leach-Bliley Act (collectively, "Confidential Information"). The Confidential Information is disclosed conditioned upon your agreement that you will treat all Confidential Information confidentially and in accordance with applicable law, ensure that such information is not used or disclosed except for the limited purpose for which it is being provided and will notify and cooperate with Dart Bank regarding any requested disclosure or any unauthorized disclosure or use of any of the Confidential Information. By accepting and reviewing the Confidential Information you agree to indemnify Dart Bank against any losses or expenses, including attorney's fees that Dart Bank may incur as a result of any unauthorized use or disclosure of the Confidential Information, due to your acts or omissions. If this correspondence is received by a party other than the intended recipient, you are requested to immediately notify us of the erroneous delivery and return to us all information so delivered.

       

  From: Rob Gilreath [mailto:[email-masked]] 
  Sent: October 28, 2015 11:24 AM
  To: Karen Brook
  Cc: Raeanne Mardigian; Rob Gilreath
  Subject: Re: stairs

  Great. Thank you 

  Rob Gilreath 

  On Oct 28, 2015, at 11:08 AM, Karen Brook <[email-masked]> wrote:

    We have placed a call to the appraiser to ask if this safety issue would go away if this was a Conventional loan. We will advise when we hear back! Also we do not see any previous FHA appraisal that was done on the property with previous buyers to compare to.  

               Karen Brook
                Senior Mortgage Banker

                [email-masked]
                Phone: (517)853-5121
                Fax: (517)853-5171
                www.dartbank.com
                NMLS: 783159

          
         
          Dart Bank • 500 N Homer • Lansing  • 48912 • MI • United States                              

          NOTE:Clients can send us encrypted messages by visiting www.dartbank.com or http://www.dartbank.com/about-secure-mail.html and clicking on the 'send us a secure email' link. Non-encrypted email messages are very easy to intercept by hackers and it only takes a moment and helps keep our clients information secure.

          This correspondence may contain information that is confidential, proprietary or "non-public personal information" as defined in the Gramm-Leach-Bliley Act (collectively, "Confidential Information"). The Confidential Information is disclosed conditioned upon your agreement that you will treat all Confidential Information confidentially and in accordance with applicable law, ensure that such information is not used or disclosed except for the limited purpose for which it is being provided and will notify and cooperate with Dart Bank regarding any requested disclosure or any unauthorized disclosure or use of any of the Confidential Information. By accepting and reviewing the Confidential Information you agree to indemnify Dart Bank against any losses or expenses, including attorney's fees that Dart Bank may incur as a result of any unauthorized use or disclosure of the Confidential Information, due to your acts or omissions. If this correspondence is received by a party other than the intended recipient, you are requested to immediately notify us of the erroneous delivery and return to us all information so delivered.