I spoke to both the bank dude and the builder today and it sounds like the problem is the appraisal. Remember that 10k in improvements, well apparently that means to one party something different than it means to the others. To the appraiser, its the lot improvements such as to be done well, sewer, drive, etc. To the bank, it meant improvements we had already completed. To us, it means more money at closing...but they can't yet say how much that will be. Both the builder and the banker agree that the goal currently is to close by Friday the 10th and by Dec 15th at the latest.
On a cheerier note, we are getting snow and if it actually will stick long enough to get a picture of it I'll have to put a pre-construction snow picture up under pictures soon.