Your build stalled near the finish and the bank says come back with a CO

A finished house is straightforward to value and lend against. A house that’s nearly finished is not, an appraiser can’t treat it as complete, and the lender is being asked to take on whatever remains between where it stands and a certificate of occupancy.

So the answer becomes "come back when it’s done," which is unhelpful if the reason it isn’t done is that the money ran out.

Where the project actually stands as a percentage of completion, and what specifically remains. The original budget against what’s been spent. Existing inspection reports or draw records from the current lender. The terms and maturity date of the loan you’re on now. Plans and permits.

Vague answers here are what stall a conversation. Precise ones move it quickly, because the underwriting question is genuinely "how much work is left and what does it cost."

The deadline that matters is your existing loan’s maturity or conversion date, not the day the house is finished. Working backward from that date, rather than toward it, is the difference between choosing a structure and accepting whatever is available at the end.