Tomorrow the building inspector is coming to the house for a what else . . . inspection! Yes that is what they do, inspect things. The history of the visit is that upon my most recent attempts to refinance my mortgage, I was informed by the appraiser that the house is an illegal two-family and the bank would not offer a mortgage to me.
Now this comes as a shock to me since I was under the impression that it was always a two-family. Since illegal two-families are not the type of property I care to own; I set out to get this all straightened out. After multiple phone calls & visits to town hall
(actual town hall)the issue has been brought to light. Tax and insurance wise, everything looks good and the way it is supposed to. A trip to the building permit office tells another story. Since there is no permits pulled for any work done on the other kitchen, they say one-family. And they mean it since there are permits on the house dating back to 1935!
After hearing my sob story of the mean bankers shutting me out; the inspector advised me to apply for a two family verification certificate of occupany. If the building meets the requirements, we are in the clear and free to refi! If not . . . who knows? Might be bad, might be a slap on the wrist. Details to come tomorrow.
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