I'm with you. As long as you are paying the bills why should the bank care what the kitchen looks like or if you have to use a Coleman stove. I've installed kitchens and its not that hard. Unfortunately thats not the way the banks think. Do you have a good lender? What is the price? Would the HUD 203k loan work for you? http://www.hud.gov/offices/hsg/sfh/203k/203kabou.cfm The selling bank would be better off to put in a cheap kitchen and raise the price or at least get it sold quicker. Is that bank willing to help you finance? Is your broker giving you good advice? If you aren't working with anyone and need help exploring your options let me know.