DONT want to refi my 3.8% 30 year loan but DO want to build ADU

[Rudy Dvorak]

I have my personal residence in Orange County California that I've owned about 1.5 yrs and we owe $690,000 and it's worth about 1.05m. I have a garage I'd like to convert to an Adu, and I can self fund the Adu.  My question is -  can anybody out there tell me if my bank which was just a conventional 20% down loan but if my bank will require me to refinance when they get when it shows up on title from the city permits that an Adu has been added. I do not want to get out of my 3.8% 30-year loan originated by Chase and now serviced by Finance of America Mortgage.     If refi was a requirement for me to do an Adu I would NOT do the Adu. If anybody has a quick answer on typically will my current bank require a refinance or call the loan if and when they determine that I've added an Adu to the property??  Thanks in advance for your input?  

[Josh Alexander]

I would just call your loan servicer and find out. You don't want to build an ADU based on what you think the bank will do especially if it's going to potential cause a lot of financial issues. Not sure of your current income, but they are also bringing back ADU grants in CA starting in December (from CalFHA) which could get you up to $40,000 in free funds so might want to look into that before starting your project as well, hard to turn down free money if you qualify.