Posted on 11/11/2013 2:26:36 PM PST by sfimom
Citing the Heath and Human Services website, a report posted Wednesday at the Freedom Outpost says that under Obamacare, government agents can engage in "home health visits" for those in certain “high-risk” categories.
Those categories include:
• Families where mom is not yet 21; • Families where someone is a tobacco user; • Families where children have low student achievement, developmental delays, or disabilities, and • Families with individuals who are serving or formerly served in the armed forces, including such families that have members of the armed forces who have had multiple deployments outside the United States.
(Excerpt) Read more at examiner.com ...
I have five Sfimom
/johnny
“issued a new regulation requiring housing appraisers to actually enter occupied homes .... “
Do you have a link?
The SWAT team members have families. If they want to destroy liberty they will pay the consequences. Making war on your own countrymen gets very ugly very quickly.
My Dad was a house appraiser for around 20 years. I went on maybe 400 of them with him. This was during the 1970s. He entered EVERY house he ever appraised.
Now if you are talking about county house appraisers setting the tax rate - that is a different discussion.
SWAT will be from out of your area and will be wearing masks. The FBI already rotates HURT teams so they are not working in their “home” town
“the Obama administration now requires appraisers to enter family homes... AND TAKE PICTURES OF ALL ROOMS...(contents and all obviously will get included in these pictures, some of which are actually Video movies now too)”
FNMA requires interior appraisal inspection and interior photographs for any home where they buy the loan. The interior inspection requirement has been around since I bought my first house 25 years ago. The interior photo thing came about after the crash to keep appraisers somewhat honest.
“Families where children have low student achievement”
Most of pubic schools? And how can they tell a student’s level of achievement when they are home schooled?—Ah, that’s right, home schoolers are targeted too.
You can buy whatever you want with no questions if you take a trip to a couple of states to your north (or East, if you’re in upstate).
These gooberthugs are going to have to “visit” soft targets and the ignorant to get away with this.
I’m a lawyer and am armed to the hilt and we homeschool our kids.
We also have a 2 year old with Downs Syndrome.
These agents, despite their benefits and pensions won’t be wanting to knock on my door.
The best outcome for them is that I take them to court and make their lives suck for a few years.
That’s best case for them.
Any New Yorker planning on stocking ammo should complete most of their purchases before Jan 15 ,2014.
Anybody who falls into one of those categories should have a Rottweiler or a large pit bull to greet the home inspectors.
Interior inspections were quite uncommon until the Obama reg. indeed they were most unknown except where owner requested it to raise appraisal based on some unusually expensive interior modification. Not at Inspections used to be called “Drive by” except sometimes the appraisals were done without even driving by (appraiser either knowing the community a d it’s
Values or in recent years, using computers. and sometimes the appraiser might stop, get out of car, walk around a bit. Almost never going
Into back yards of occupied homes so as to not disturb residents and to avoid requiring anybody be home. The instances where internal inspections are needed for a good appraisal of typical ordinary houses are rare. The instances where video movies of interiors are needed for good appraisals are non existent. Be careful. Be very careful says police department.
Wood chipper backed up to a catfish pond.
i actually do have the regulation, but not a link to it here sorry.
the regulation is, as may be expected, almost unintelligible.
what it boils down to is,
for almost all loans (new and refi), the major banks like (need) to re-sell them to the secondary marketing outfits (in order for the banks to replenish their lendable cash funds).
these secondary agencies have adopted appraisal forms and regulations for the loan packages they are willing to purchase from the retail banks.
the newer regulations appear to require internal inspections. the form and most of the public information distributed do not emphasize this. But you can find references to internal inspections if you look hard enough. The instructions to the appraisers make this expectation clearer. For instance, a floor plan sketch is supposed to be attached. This was formerly pretty commonly supplied by the owners or residents or real estate sales agents, to the appraisers. That was easy enough because most normal houses have pretty normal floor plans and the floor plans do not ordinarily impact valuation much.
For most normal residences.
There are also references to “pictures”....
if pictures were appended formerly, they were almost always external pictures, mostly of the front of the home as seen from the sidewalk.
Often, pictures were not attached.
Now, the feds are requiring internal pictures, for instance....(regulation guide B-4-1.02-06 from Fannie Mae.....says they want pictures as follow:
“interior photographs, which must, at a minimum, include:
– the kitchen;
– all bathrooms;
– main living area;
– examples of physical deterioration, if present; and
– examples of recent updates, such as restoration, remodeling, and renovation, if present. “
there appears to be NO exception for occupied personal residences!!!!!
(the regs or guidelines do not appear to require that the pictures be “video movies” but a leading local bank Vice President advised that this is their practice in all cases. Still photos still would seem to satisfy the federal regs from what I can determine, however.)
so anyway,
if you can get a loan where the bank or lender is planning NOT to resell your promissory note to the federales, then you can probably skip the photographic invasion of your privacy. But take note that the major banks do want to resell the vast majority of their residential loan packages to the feds (to replenish the banks’ cash on hand so they can make further loans to other borrowers).
We had one poster here say that he used to always take pictures inside the houses. He may well have done that, but it was never commonplace (indeed, I cannot recall ever hearing of it for a normal single family residential appraisal... and I have been involved in this field for 40 years). It just wasn’t necessary and... the intrusion of personal privacy, plus the extra work...made it quite rare...we can leave it at that. Rare.
Now the Obama administration requires that a home owner open her door and let the federal agents in to take pictures throughout her personal residence. For the very same loan consideration she formerly normally did NOT have to admit strangers into her home.
Again, the police are worried sick about these pictures (or videos). The pictures of an occupied residence almost always will (whether intended or not) display personal property that burglars can steal. The pictures, coupled with the required floor plan, give a complete tour and layout of the interior of a residence, very very helpful for burglars. And pictures can (although may possibly not) reveal protective measures, burglar alarm system information and installation locations within the home, etc.
Just saying, there’s somethi8ng to think about with this one!
ps:
the specific requirements for internal photographs of your home... that I quoted from.....above.....were put into effect by the Obama administration on October 1, 2010.
FYI.
Here’s how it’s worked for at least the past 25+ years:
If the loan gets sold to FNMA or FHA an interior inspection appraisal is required. There has never been an exception to this regulation. The overwhelming majority of mortgages are handled via these two entities.
The interior photo requirement as a FNMA regulation began within the past 5 years.
The drive-by appraisal has been common for decades for consumer lending (2nd mortgages, equity lines, etc.).
America has lost its battle with Statism.
It was the lost hope of the world for the cause of Liberty.
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