What happens if your house isn’t finished when it’s time to switch loans?

It’s not always just about more paperwork—sometimes they draw a hard line, especially if there’s exterior work left or permits still open.

That’s been my experience too, unfortunately. I remember thinking I’d checked all the boxes, but the lender still wouldn’t move forward because the landscaping wasn’t finished. It felt a bit arbitrary, honestly. I do think it can depend on who you’re dealing with, but sometimes it just comes down to their internal policies. Frustrating, but I guess they have to manage their risk. Hang in there—it really does get sorted out eventually, even if it takes longer than you’d hoped.