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

WHAT HAPPENS IF YOUR HOUSE ISN’T FINISHED WHEN IT’S TIME TO SWITCH LOANS?

Yeah, the “almost done” stage is where I lost the most sleep. I had a lender hold up my closing over a missing bathroom mirror—seriously, like that’s going to tank the whole house? But I get it, they’re covering their bases. Still, it’s wild how some stuff gets a pass and other things don’t. I swear, if you get an inspector who’s in a good mood, suddenly that missing doorknob isn’t a big deal... but catch them on a Monday morning and you’re out of luck.