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

TITLE: What Happens If Your House Isn’t Finished When It’s Time To Switch Loans?

Had something similar happen when we were refinancing last year. Thought everything was squared away, but the appraiser flagged a missing outlet cover in the laundry room and a patch of drywall that needed paint. Didn’t think it’d matter, but the lender made a fuss about it being “move-in ready.” Had to scramble to get it fixed before closing. Honestly, I get why they’re strict, but sometimes it feels a little over the top. Still, I guess it’s better to catch that stuff early than have the whole deal fall through at the last minute.