Yeah, I’ve run into this a couple times. Last refi, my lender wouldn’t budge even though the old survey was only three years old and nothing had changed. Tried the seller affidavit route—no dice. Sometimes it just depends on the underwriter’s mood, honestly. Super frustrating when you know the property hasn’t changed an inch.
Sometimes it just depends on the underwriter’s mood, honestly. Super frustrating when you know the property hasn’t changed an inch.
Man, I hear you. Had a client last year with a barn that hadn’t moved since the ‘80s, but the underwriter still wanted a fresh survey. Sometimes I’ve had luck if the title company is familiar with the area, but it’s hit or miss. It really does feel random at times...
I swear, sometimes I think underwriters just spin a wheel to decide what they want. Had a deal where the fence line was literally older than the county records, but nope—needed a new survey anyway. I’ve tried sending in old aerial photos, but that only works half the time. Has anyone actually managed to get an exception on a rural property without jumping through flaming hoops? Or is that just a unicorn?
Speeding Up Rural Home Loan Approvals: My Favorite Shortcut
Man, I hear you. Had a place out in the sticks where the barn was practically a local landmark, but the underwriter still wanted a survey from this century. Tried the “grandfathered fence” argument—no dice. Sometimes I think they just like making us sweat. I’ve had luck once or twice with old plat maps, but it’s rare. Most of the time, it’s just easier to bite the bullet and get the new survey, even if it feels like overkill.