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

It’s wild how something as tiny as a towel bar or vent cover can hold up the whole process. I remember thinking, “Really? That’s what’s standing between me and moving in?” The escrow padding is no joke either—ours was for a rain barrel, which I actually appreciated, but the price they held back was way more than the thing cost. I get that lenders want to protect their investment, but sometimes it feels like they’re just looking for reasons to keep your money a little longer. Still, once you’re in, all those little headaches fade pretty fast.