Photograph Requirements

In proposed construction cases, a front view photograph of each comparable is required but photographs of the subject property are not required if there are no improvements under construction.

If the property is in a condominium more than three units high, no photographs of the comparable sales are required, provided they are located in the same project as the subject property and are substantially identical to the subject property.

In all other cases, each appraisal report requires:

·   one set of original photographs of the subject property (two sets in LAPP cases) showing a front and back view (preferably including a different side view in each photograph) and the street scene, and

·   one set of original photographs of each comparable.  Only a front view of the comparable sales is required.

·   In E-commerce transmission, one set of photographs is acceptable.

There are two alternatives to submitting original photographs:

·   Computer-generated pictures are acceptable, if they are of comparable quality to original photographs.

·   Copies of listing service or advertising pictures are acceptable for the comparable sales, but not the subject, if they clearly depict the property.

Additional  Conditions and Certifications

No limiting conditions can be made in addition to those on Freddie Mac Form 439/Fannie Mae Form 1004B.

Additional certifications required by State law or related to continuing education or membership in appraisal organizations, etc., can be made on a separate form or page, provided they do not conflict with the language on or any VA policy.