That’s actually happened to me with a client’s old barn—underwriter flagged it as “unsecured structure” even though it’s just where they keep hay. Sometimes I wonder if those checklists are written for city lots only. Ever had to explain what a root cellar is? It’s like translating a different language half the time.
Honestly, I run into this all the time with rural properties. Underwriters tend to default to their checklists, and anything outside the suburban norm throws them off. Once had a client whose “unsecured structure” was just a chicken coop—nothing hazardous, just chickens. I’ve found it helps to include photos and a brief description right in the initial submission. Sometimes I’ll even reference local zoning definitions if it gets really sticky. It’s not perfect, but it cuts down on the back-and-forth. Anyone else notice appraisers get confused by things like spring houses?
Been there more times than I can count. Quick rundown of what’s worked for me:
- Always include a diagram or rough sketch with labels—chicken coop, spring house, whatever. Even a napkin drawing helps.
- I usually add a one-liner on use and condition. “Spring house is historic, non-functional, no utilities.”
- If there’s an outbuilding that’s just storage, I’ll mention if it’s got power or not. Underwriters freak out less with those details up front.
- Honestly, sometimes I just call the appraiser ahead of time. Saves a lot of confusion if they know what they’re walking into.
Funny thing—had an underwriter once ask if a smokehouse was for “illegal activities.” Nope, just hams...
Title: Speeding up rural home loan approvals: my favorite shortcut
Totally agree on the diagram trick—saves so much back-and-forth. I’d add, if there’s a well or septic, slap those details right on the sketch too. Underwriters love seeing “well: tested 2022” or “septic: pumped last year.” Cuts down on the nitpicking. Had one ask if a barn was “livable”—uh, only if you’re a goat...
Had one ask if a barn was “livable”—uh, only if you’re a goat...
That made me laugh, but honestly, I kinda get why they nitpick. I’m always a little paranoid about skipping details, especially with wells and septic stuff. If something’s missing or not up-to-date, it can turn into a paperwork nightmare or, worse, surprise costs later. I’d rather take it slow and double-check everything than rush and end up with a big repair bill down the line. Maybe I’m just overly cautious, but those “shortcuts” sometimes make me nervous...