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

Honestly, I’ve wondered the same thing—sometimes it feels like the bank’s just covering themselves with these big holdbacks, even if what’s left is pretty minor. I get that they want to make sure everything’s done, but it can be a bit much when you’re down to tiny details. Still, I guess it’s better than having to pay out of pocket later if something gets missed. Had a friend who had to chase contractors for months after closing... not fun. Hang in there—it usually works out, even if it’s a hassle upfront.