It's the small, locally operated banks and credit unions that have the ability to make decisions in-house, they don't have to conform to a set of standards written by someone at a corporate office. 

As a residence, that won't appraise out, (1.) there is too much value in the greenhouse attached than to the residence (2.) won't be getting a market approach on a 1 bedroom or with the greenhouse (3.) it's not common for the area (4.) the highest and best use probably isn't residential (5.) marketing time on an appraisal can't be established......there is just a list of appraisal aspects with non-conforming properties. 

I assume these systems were mostly updates of old octopus systems (fully gravity fed).Local HVAC guys suggest leaving as-is unless someone wants to put AC in - but if we can avoid limiting the (future) borrowers to non-conforming products, that would be good!

For $417K+ there are non-conforming delayed financing loans which are priced as purchase.

While it will conform to your irregularities it won't telegraph imperfection like a thinner one. 

Based on my research, it looks like HMLs doing more than 5 loans a year are required to conform. 

In 1986 the loan rate for a conventional conforming loans was roughly 9.5%.2.  

You might be able to get a non-conforming loan with higher rate and down payment, but that would be dependent on your past employment and earning history.Upen Patel, Mortgage BankerFederal NMLS# 1374243

These loans were literally BUILT for that purpose, they are NOT standard Fannie Mae, Freddie Mac or any other type of conforming residential mortgage. 

None of the above3.in a order to be valid, a goal must beA. unreachableB. unrealisticC. intangibleD. measurable4.a loan made by lenders without any governmental guarantees is called a A. non-conforming loanB.