A certificate of occupancy is usually required for residential properties in New York City. The C of O describes a given building’s legal use and type of occupancy, and buildings can’t legally become occupied without one. MortgageDepot works diligently to help mortgage seekers obtain properties without the requisite C of O.

What exactly is a “Certificate of Occupancy,” also known as C of O? It signifies that a house meets all building codes and is safe to inhabit. It applies in most states except California, where a C of O is required for all new construction, changes of occupancy, renovations, and additions, but the rules of other states differ. Here in New York state, MortgageDepot can assist home buyers in obtaining homes or condos that do not have a Certificate of Occupancy.

In most cases, a Certificate of Occupancy is not required to sell your home. Not having a C of O doesn’t mean that you can’t sell your home; it just means that the new owner can’t live in the house until proper repairs have been made and it passes a home inspection. But some jurisdictions such as New York state make an exception for single-family homes. So if you’re seeking a single family home in New York City or state, let MortgageDepot match you with the right property that doesn’t require a C of O!

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