Refinance Home Appraisal with No Permits

[Jose Cisneros]

Hello I just finished renovating my first property. I am currently house hacking. I would like to do a cash out refinance. Here is what I’m concerned about, i did all the work myself/ paid cash to get it done.

Here are the upgrades(I’m sure some of these might not need a permit but I’m new So idk)

-Added central heating and air

-tore down two walls to make an open living concept (non load bearing)

-renovated kitchen/moved gas line

-replaced some of the foundation 2x6 floods became they where damaged by termites

-add/move electrical sockets

-new floating floor

-replace pluming with pex/ pbc

-painted inside

-replaced a window

- maybe more but you get the big picture.

Will the appraiser report me to the city? Will they not count towards the appraisal? Any advice will help, located in Fort Worth TX.

[Eric James]

They don't k kw what work you did, or was already done before you bought it. Something they would likely question is if you put on an addition and there was now more square footage.