BRRRR - Refinance Part

[Redha Laafia]

Good morning !

We recently converted a 3/2 single family home into a 5/2. We added 2 bedrooms in the back of the house (large room split in 2) with no permits.

I really thought it would be no big deal but I’m starting to get concerned about these bedrooms addition done without permit.

How will this affect me at resale?

Will the property appraiser during the refinance process appraise the property as a 5/2 bedrooms or will use the public records data 3/2?

Thanks