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Punaweb Forum
Unpermitted Housing in Puna? - Printable Version

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RE: Unpermitted Housing in Puna? - Radiopeg - 03-24-2010

quote:
Originally posted by KeaauRich

It's my understanding that you would also not be able to get a mortgage on any unpermitted structures, so that might also be an issue for you...

Yes, that's why our house offer fell out of escrow, the carport and nicely enclosed down stairs were unpermited, and the appraisal came in waaaay low. If we had enough cash it could have worked. Seller gave in and got the permits, and it is back on the market. Unfortunately we now have to wait for our home to sell.

Life goes on, with you or without you.

RE: Unpermitted Housing in Puna? - Hotzcatz - 03-26-2010

quote:
Originally posted by KathyH
Cat and Hotzcatz would know better than I, but I thought grandfathering unpermitted structures applied only to buildings that were built before building permits were a requirement. Say it was built in 1900, it's grandfathered. 1975, it isn't. Correct me if wrong.

I think it is if it was built before 1915 and has documentation prior to 1930 that it is fully grandfathered in. A lot of the sugar plantation buildings fit within these requirements. There are also limits to the amount of work which can be done to a grandfathered structure before it needs to be brought up to various codes.

"I like yard sales," he said. "All true survivalists like yard sales."
Kurt Wilson


RE: Unpermitted Housing in Puna? - Radiopeg - 03-27-2010

quote:
Originally posted by KathyH


As for a totally unpermitted structure, I don't think one can get a mortgage on it at all.
That's what I was told, by my realtor. If it appraises for the loan amount without including the non-permitted portion, getting a loan is not a problem. No permits at all, loan on land value only. The house we didn't get appraised shockingly low. The owner decided to get the permits, but wanted us to pay more if he did that. Now it is back on the market, with permits for 20k less than when we had our offer in. I bet he wishes he had stuck with us, before we realized how bad our market was here. I could have been paying two mortgages all this time. Lucky for me, I guess.

Life goes on, with you or without you.