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

Has anyone actually had a loan delayed over something minor? I’m kind of stressing about what counts as “substantial” if there’s still random hardware missing or paint touch-ups left.

- Lenders usually care about “substantial completion”—think: all systems working, no safety issues, house is livable.
- Missing cabinet pulls or a scuffed wall? That’s rarely a dealbreaker.
- I’ve seen closings delayed for missing railings or incomplete plumbing, but never for paint touch-ups.
- Inspectors can be inconsistent, but if it’s just cosmetic, you’re probably fine.
- If you’re worried, ask your lender what their checklist looks like... sometimes they’ll clarify what’s a must-fix vs. what can wait.