It sounds to me, like pretty much anybody can pick up a simple license before or after work is done, and put a lien on whatever property they did any work on, and say it was for double the amount pretty much even if they were paid in full if there are not proper docs signed waiving the right to lien each category of work completed.

My wife is a perfectionist and gets mired in the details, treating every piece of information with equal weight. 

But if he don't have visa, comes under different category.

This process of reconciliation can be weighted anyway the appraiser subjectively determines is most accurate. 50/50 20/30/50 80/20 whatever...Hope this helps.

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In this case Navy FCU falls under that category for VA loans, same with USAA.  

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