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Blythe D
Blythe D. Kelly, SCRREA Appraisal Fee Collected Report Not Submitted Doylestown, Pennsylvania
18th of May, 2011 by User440446
My husband and I live in house that his parents own. Though nothing is in our names we are completely responsible for the mortgage, taxes, utilities and repairs. In April 2009, my husband convinced his parents to refinance the house so that we could borrow money to pay for repairs the house desperately needed. My husband's sister Rebecca McDonaugh works for a mortgage company so we were going through her and she set us up with Blythe D. Kelly, SCRREA for the appraisal that the lender wanted. We paid my husband's parents cash for the appraisal in the amount of $350.00 and they submitted a check to Blythe D. Kelly. Ms. Kelly came to our home and did the appraisal walk through with us - not my husbands' parents. Ms. Kelly never submitted her report to Rebecca McDonaugh. In June and July of 2009 we were still waiting on the report from Ms. Kelly. Both Rebecca and my husband Anthony made repeated attempts to contact Ms. Kelly by phone and email with no response. The result was the lender closed the application and denied it. Shortly after that, my husbands' father lost his job and we were unable to submit another application. Fast forward to 2011: I personally contacted Ms. Kelly and this is what I said: "This email is in regards to the Appraisal that was never completed for my husband, Anthony Garofano in June 2009. You were referred to us through my sister in law, Rebecca McDonaugh. We issued you a check written by my mother in law, Jeanette Garofano, in the amount of $350.00. Your appraisal report was never completed or handed in to Rebecca McDonaugh for the mortgage company to issue a refinance on our house. Since then countless attempts have been made to contact you so
that the $350.00 could be returned with no response. Please make a check payable to Jeanette Garofano in the amount of $350.00. If a check isn't received within 10 business days from the receipt of this message, I will be forced to contact the Better Business Bureau of Washington DC & Eastern Pennsylvania and then I will call the news stations at ABC, CBS, NBC and FOX. You took payment for a service and then didn't deliver the service. Please return the payment." This was her response: "Ms. Garofano,
In response to your email, my records indicate the appraisal was completed on 5-26-09 and emailed to Rebecca McDonaugh. Appraised value as of the 5-12-09 inspection date was $170,000. I never received a request to provide a copy of the appraisal to the borrower.
As you are writing me two years later, I do not exactly recall the situation as I appraise hundreds of properties a year. I can only reference my work file. My work file, includes a paper copy of your appraisal and indicates that the report was emailed to Rebecca on 5-26-09.
This is the first time in two years that you, or anyone, has ever contacted me and made these claims. I had no idea that your mother in law did not receive a copy of the report. I would have gladly provided her with a paper copy upon her request.
I do not appreciate receiving a threatening email from a party that is not even involved in the matter. I completed the appraisal for Louis and Jeannette Garofano, not Lisa Garfano. I will gladly provide Jeanette Garafano with a copy of the appraisal report.
I am a very well respected State Certified Real Estate Appraiser and take full pride in my work. I had worked with your sister in law for many years prior to your mother in law's appraisal which is why she chose me. As a matter of fact, because of our good working relationship I gave your mother in law a $100 courtesy discount on the appraisal fee. My fee, at that time, for an investment property was $450. I charged your mother in law a discounted fee of $350.
As I stated prior, I legally performed my job as an appraiser and followed all USPAP Guidelines and Regulations in the process. Regardless of whether or not the loan closed, my fee was earned upon the date of inspection and determination of value. I certainly do not appreciate your threats to call and make unjustified claims against me after two years. I will mail Jeanette Garafano a copy of the appraisal report to the address you provided." We are still fighting to get our money back. Our house currently needs such extensive repairs that neither we nor my husbands' parents can afford it. My husband and I can't get loans or a mortgage and his parents are both unemployed. The entire back wall of our house leaks when it rains and our kitchen is gutted because of it. Meanwhile we are raising four children here in these conditions. Thanks Blythe Kelly for screwing us over! If you need an appraisal in PA, DE or NJ - don't use Blythe Kelly!

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