is this going to be an issue for refinnacing?

[Danny Stern]

So I'm in the process of refinancing my house and on the form from my credit union it asked for any updates done in the last 6 months done by a contractor. Well I had my basement completely remodeled and had my kitchen gutted but these were done by family. There was no form for updates done by non contractors so I wanted to make sure they knew I had put substantial money into the house. They now want to see invoices for the work done on the kitchen from the contractor. I put an evaluation for 50k total cost for kitchen and basement. I just explained to them that I didn't see any other area to include the updates I have made other than the contractor section, so I included them there. will this be a potential problem? I did not pull permits on the kitchen or basement. is this going to be a problem for refinancing?