Even though that loan would be to finish up this work, among other things.
What. The. Fuck.
So yeah. Seems like I might have to take out a home improvement loan (another one) to fix the existing stuff, THEN do a refi. And I really can't afford to do that, unless I keep to doing the work myself which is a PITA.
Dammit, dammit, dammit.
More clarity after some phone time: essentially, the underwriters require all in-process projects to be done.
So, I have to finish the porch on my own dime. I have to replace the kitchen wall sheetrock, even though it's going to be torn out again. I have to patch the dining room ceiling. I have to put new siding on the front (or optionally go ahead with the full removal and replacement of the siding after the insulation) again, on my own dime.
It's possible I could get another home improvement loan to pay for the materials. That would pay off the existing home improvement loan balance, but the interest rate is chunky (like 10.5%), and it would hurt for a while.
Needs further study.