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April 18, 2006



I have a question. My husband and I live in a tri level and we have had 4 apprasials to our property over the 12 years that we have owned it. It has always been appraised at 1350 square feet gross living area. This would include the lower level that is semi below grade that is our kitchen, dining area, laundry room and bonus room with walk out back door. (We live in the state of Michigan, I am sure that makes a difference in laws and regulations). Just recently we had an apprasial done and this person has us at 785 square feet and only gives us credit for the lower level being "finished"! How is this possible? This has cost us alot of money in the value of our home and now we are below what we owe! Is this person correct or is there some exceptions to the Fannie Mae regulations for calculating square footage on a tri level w/o basement.

Thank you in advance for your help in the matter.

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