<prompt> Human: Looong story short, my wife and mother-in-law took out a loanmortgage refinance, house was paid off to build out the garage into an accessory dwelling unit for us to live. Weve got the loan, jumped though all the hoops that went along with that including consolidating all of moms debt into this loan, we have a contract with a designer for making the floor plans and designing the building in general as well.Last night mom dropped a bomb shell in that she said she doesnt want the house put up for the loan and she wants to pay it all back and back out. We are headlong into this, and she wants out. What type of consequences will my wife face from a credit and financial perspective by paying this loan back essentially immediately? Will this affect our ability to get a loan in the future? The fact that debt was consolidated into the loan means that paying it back would leave about 20k outstanding to be paid over time as well. Overall this seems like a terribly short sighted decision on her moms part out of normal fear of doing something as monumental as this. is it irrational of my wife and I to think that?  <response>: You wont face any consequences on your credit for paying it back but was the refi approved contingent on the improvements being made? As in the value of the house would obviously go up with that improvement and was this what the bank was banking on to back the loan?If so, they might be less than happy with the outcome and may want ALL of it back immediately.My guess though is that they will likely let it slide since youd be paying back the 180k and still be on the hook for the other 20k, but the house would still be put up for that 20k remainder, whether she likes it or not. 