Sometimes it’s worth asking for a little flexibility rather than just ticking boxes.
Totally agree with this. I’ve seen folks get so stressed trying to finish every last detail just to meet a loan deadline, and honestly, it can lead to mistakes or regrets later. Have you noticed lenders seem more open to partial completions if you’re transparent? I once had a lender accept photos and a contractor’s letter for unfinished landscaping—no drama, just clear communication. Wonder if anyone’s ever had pushback on bigger items, though... like flooring or cabinetry? That seems trickier.
I once had a lender accept photos and a contractor’s letter for unfinished landscaping—no drama, just clear communication.
That’s been my experience too, but only for the “pretty” stuff outside. When I tried to push for an extension on kitchen cabinets, the lender got real picky—apparently “functional kitchen” means more than just a sink and a microwave on a folding table. Guess they draw the line at anything that could stop you from actually living there.