Hi Ns, good morning. Tom is a bit off, you cannot use an FHA streamline for a purchase...however, the good news is if you qualified for a conventional loan, it is 99.99% certain you will qualify for an FHA 203K, which allows for the rehab.
Another option is get the seller's permission prior to the appraisal, and install the kitchen, then order the appraisal.
Third option is to use a hard money short term lender that gets you in the house, complete the kitchen, then refinance under the program of your choice.
Jacquelin's sales that closed with conventional financing "as-is" without kitchens are totally outside the guidelines for Fannie or Freddie loans. I can only assume somehow the Appraiser missed the kitchen issues, or they were noted and the underwriter missed them. Perhaps those homes closed in the past or with a loan to value that allowed only a drive-by appraisal, where the appraiser does not enter the home. Unfortunately, guidelines now are much stricter on the appraisals.
I hope these comments help, and you get the financing and the home of your dreams!
Jim Ryan, Home Savings of America, 703 591 5626 ext 419.