Homebuyers looking for quirky and unusual homes may find it difficult to get a mortgage in today’s marketplace, a new article from MarketWatch suggests.

Jumbo loans already require more investigation and sometimes even two appraisals before the parties get it right. Lenders want to make sure if the borrower defaults on a loan they can regain its value, the article explained. 

Borrowers can expect to make a downpayment of 20% to 45% of a home’s purchase price, which may cause eccentric homebuyers to pay a hefty amount upfront.

The unique structure of a quirky home makes it challenging for an appraiser to compare it to what is typical for a particular area. 

As a result, appraisers tend to compare a house to a broader region or what is desired for that area in terms of amenities.