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?