Home Buying in 95386>Question Details

Kimhuckaby80, Home Buyer in Waterford, CA

What would penalties be for turning in a patio to 2 bedroom 1 bath with no permits.?

Asked by Kimhuckaby80, Waterford, CA Wed Jan 23, 2013

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I would caution an owner not to make improvements without a permit. Permits work to ensure that construction and safety standards are adhered to. It's possible an appraiser may not include non-permitted space in an appraisal. It can save you money in the short term, but can cost you when you go to sell.
0 votes Thank Flag Link Thu Jan 24, 2013
Kimhuckaby80,

In addition to the risk that you could have to "tear out" the improvements (more likely bring them to code, if possible), there are some other considerations you should weigh. If you sell the home, a "non-permitted addition," as we like to call it in the industry, could pose problems for buyers when they seek to get approved for their financing. Certainly there are a lot of great, practical, non-permitted additions out there, but in your shoes, I'd at least consult with a contractor to determine the scope of making it all legit. If it's too steep to bear, you can take your chances, but always better to not be penny wise and pound foolish.

Good luck,

Rob Spinosa
RPM Mortgage
rspinosa@rpm-mtg.com
0 votes Thank Flag Link Wed Jan 23, 2013
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