Confused??I'm in the process of purchasing a townhouse (HUD owned), and i'm actually on my 3rd extension because the process has been so long. Everything has basically been done, underwriting process, home inspection, mold inspection. I thought everything was rolling just fine. But going back about a month and a half, my brother in law did some fixtures on the townhouse (three sinks that were missing were installed, a light fixture on the hallway and some exposed wires by the kitchen sink were capped) well our Relator suggested we do all this work ourselves because hiring a licensed professional would be more costly. So he then allowed us to go in this property and make the fixtures. Well let me just say it's been a nightmare ever since, our lender was asking for documentations from a licensed plumber and electrician for the fixtures performed. We were unable to obtain those considering an experienced but not licensed relative did all the work. Our relator then suggested we contact some licensed plumbers and electricians and or general contractors to obtain the documentation necessary, in exchange I had to pay the price for all that paper work only to be told by the lender that underwriting didn't accept it. I'm a first time homebuyer and this has all been a learning yet very hurtful experience. I wasn't aware of a lot of guidelines and I was misguided by my relator. The loan hasn't been completely denied yet because my extension isn't up until later this week but i'm already thinking the answer will be -Denied- , but all I can do is wait.September 30 2013 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.