Most city will not check your house unless there is some justifiable reason. Without permit, your additonal bedroom and bathroom will not officially get recorded.
you would not be able to buy the house if the extension has no certificate of completion from the county, unless you pay the house with 100% cash. The bank would not give you mortgage. in most cases, the seller would have to take care of this before putting the house on the market. he may have to hire a "COC Expeditor" to speed up the process. But even with an expeditor, the process may still take months... is the seller selling the house on his own? An expereinced realtor would never take on a house like this. It would be meaningless to put the house on the market and cannot sell it..
【在 j***k 的大作中提到】 : you would not be able to buy the house if the extension has no certificate : of completion from the county, unless you pay the house with 100% cash. The : bank would not give you mortgage. : in most cases, the seller would have to take care of this before putting the : house on the market. he may have to hire a "COC Expeditor" to speed up the : process. But even with an expeditor, the process may still take months... : is the seller selling the house on his own? An expereinced realtor would : never take on a house like this. It would be meaningless to put the house on : the market and cannot sell it..
this is not a responsible suggestion. True, bank does not care about the country business. But bank generally checks because they would be taken on a big risk should the county ever askes the owner to tear down the addition, especially if the addition is a part of the main house. The same reason the bank would require you to buy property insurance. They wanna to protect them from any element that could lower the value of their mortgage collateral. Even if the bank omits the check, buying a house without coc, would be like buying a time bomb. The county could ask the owner to tear down the addition in the worst case. No sane real estate attorny would ever let his/her client to purchase the property without a permit and a COC... you can, of course buy whatever you want with cash, but why taking the risk? Remember, the extension in your case is an intergal part of the house, not an external deck or something. It would be very expensive to take it down.
要是你自己没有亲自经历,这只是纸上谈兵.要是你确实经历过这种问题,看来是每个 地区很不一样。 appraiser/bank/insurance never cared about the permit in the last 6 refinance that we did. Also, the unpermitted area is always sold at lower price - the same situation if LZ sells the house later. Ask your agent/friends is probably the best for LZ
wow... you did 6 refinances! On the same property? I had gone thru this myself this year. My title company caught the issue and escalated it to my attorny and the mortgage company (citi bank). The title company pulled the county record against the appraisal report and found the difference. The extenion was done in 1973 (a family room and a deck), the owner had the permit but didn't obtain the certification of completion after the project was done. This is a common error. The owner and her agent were already in the process getting the certificatin of completion from the country and they hired an expeditor (for an extra $20K fee). At the end, the county inspector came and reqired a list of issues to be corrected, as well as taking down the deck completely as it was too close to the neigbor's property. The extra cost to the previous owner to get the final coc including fixes and the fees was close to $40K. And because the deck was taken down, they also lowered the price by another $15K. the closing was pushed back by 4 months as the result. If the county had gone further by asking the owner to take down the family room completely, I would had just walked away and not taking the house. an unpermitted extension is not a small issue.
【在 t**l 的大作中提到】 : 要是你自己没有亲自经历,这只是纸上谈兵.要是你确实经历过这种问题,看来是每个 : 地区很不一样。 : appraiser/bank/insurance never cared about the permit in the last 6 : refinance that we did. : Also, the unpermitted area is always sold at lower price - the same : situation if LZ sells the house later. : Ask your agent/friends is probably the best for LZ