What happens if my property has unpermitted work?

Unpermitted work doesn't add to the valuation and may impact the offer with:

• A lower appraised value

• A cost-to-cure reduction

• Ineligibility if essential systems—such as a functioning kitchen or bathroom—are missing or unusable

If major unpermitted work affects safety, habitability, or access, the property may not qualify until the issue is resolved or documented.