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If a building doesn’t have a proper Certificate of Occupancy, the city could theoretically issue a vacate order at any time. This means that if you’re a renter, your landlord has no legal right to collect rent from you, and if you’re in the process of buying an apartment, a major wrench just got thrown in the deal.

The Occupancy Clause in a Mortgage. The occupancy clause mandates that you occupy your home as your primary residence. This doesn’t, of course, mean that you can never leave, but your mortgage agreement may require that you notify the bank if you intend to be out of your home for a certain period of time. Failing to do so could be mortgage fraud.

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Buying 3-Family House With No Certificate of Occupancy, New York City, 13 replies house without certificate of occupancy, Miami, 6 replies Who is at fault if we purchased a home without a Certificate of Occupancy:?, Long Island, 28 replies Selling without a Certificate of Occupancy (CO), New York City, 27 replies

Best Answer: Actually it can’t. I know, I am frantically trying to get my cert so that I can get a regular mortgage, instead of this construction loan, which expired already. If you can’t get a final you can’t get a loan. Period. I have exception credit, so I know this is not me.

FHA New Construction Requirements At-A-Glance More information for this section can be found in the HUD Publication 4155.1 Rev 5, Ch 1-8 F New Construction is defined as a subject property that is less than one year old, whether or not it has

How Much Does A Home Appraisal Cost For most people, a home is the biggest asset they acquire during a. Sometimes, people opt for a BPO because it costs much less than an appraisal and can be performed more quickly. A third valuation.

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– Bought A Home Without the Certificate of Occupancy – Landlord Forum thread 140817: free landlord newsletter. I was not aware that I could not rent the home to tenants without the C of O and now my first mortgage payment is due on July 1 and I’ll be screwed if I have to pay the entire high.