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Why Unpermitted Renovations Can Create Problems During Mortgage Approval

October 21, 2026 by Rilian Ball

A remodeled kitchen, converted garage, or added bedroom can make a home look more appealing. But a beautiful renovation does not always tell the full story. If work was completed without permits that were required locally, buyers may encounter questions during the appraisal, inspection, or mortgage approval process. What Does Unpermitted Work Mean? Building departments often require permits for certain structural, electrical, plumbing, and other improvements. Requirements vary by location and by … [Read more...]

Filed Under: Mortgage Tips Tagged With: Home Renovations, Mortgage Approval, Mortgage Tips

Can You Finance a Home That Has a Second House on the Property?

October 20, 2026 by Rilian Ball

Finding a property with two houses can feel like discovering a bonus. The smaller home might provide space for relatives, visiting friends, or future rental income. Before making plans, however, buyers should understand that financing a property with two residences may be different from financing a typical single-family home. Start With How the Property Is Classified A detached second house is not always treated the same way as an accessory dwelling unit, commonly called an ADU. Local zoning … [Read more...]

Filed Under: Mortgage Tips Tagged With: Accessory Dwelling Unit, Mortgage Tips, Property Financing

What’s Ahead For Mortgage Rates This Week – October 19th, 2026

October 19, 2026 by Rilian Ball

Inflation numbers are in and came in much higher than expected. Even the core inflation numbers for both reports were higher than anticipated. Core inflation is intended to exclude some of the most volatile components, including food and energy costs, painting a picture in which the Federal Reserve will need to continue its tightening measures until inflation is under control. In particular, the Producer Price Index (PPI) showed a significant increase above expectations, impacting businesses and … [Read more...]

Filed Under: Financial Reports Tagged With: Financial Report, Jobless Claims, Mortgage Rates

Can You Get a Mortgage on a Home That Has Been Moved From Another Location?

October 16, 2026 by Rilian Ball

Most buyers assume that the home they are purchasing has always been located on its current property. However, some houses have been physically relocated from one location to another. Whether a historic home was preserved by moving it or an existing structure was transported to a new lot, the property's relocation history can create unique questions during the mortgage process. Why Would Someone Move an Entire House?Moving an existing home is more common than many people realize, particularly in … [Read more...]

Filed Under: Mortgage Tips Tagged With: Home Buying, Property Appraisal, Unique Homes

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Rilian Ball


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NMLS # 202687

Call: (559) 697-5322
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Recent Articles

  • Why Unpermitted Renovations Can Create Problems During Mortgage Approval
  • Can You Finance a Home That Has a Second House on the Property?
  • What’s Ahead For Mortgage Rates This Week – October 19th, 2026
  • Can You Get a Mortgage on a Home That Has Been Moved From Another Location?

Rilian Ball
NMLS # 202687

Company NMLS: 35960
www.nmlsconsumeraccess.org

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