The End Is In Sight!

So our house has been finished since about Christmas but why haven't we moved in yet? Well we got the appraisal at the beginning of December, the guy valued it at $20k less than the selling price. All the other new homes on the street were appraising above the selling cost, we just got the one jerk appraiser in the city. In order to close on the house with an appraisal like that we'd have to come up with the $20k on our own since the bank won't give a loan for more than the value of the house. After about six weeks of talking to the builder, the lender, our realtor and never really knowing what was going to happen, the builder decided to pay for a new appraisal, but they had to have the same appraiser do it. We were pretty irritated with the appraiser to begin with and after he redid his shoddy work we were even more ticked at him. The second time he only came up by $5,000! Still about $14k below the selling price! The builder has given us the option to split the remaining amount, we will bring $7,000 plus closing costs, etc and they'll take care of the remainder. In the long run we'll be better off, we just had to scramble to put things together and file our taxes:) So the closing date should be by the end of the month and then the real work begins. Everyday I think of something else that needs to be done to the house before we can move in, I've got a lot to do! Oh, and I'll post a picture of the finished product sometime.