Well, here's our first thing that "happened".  I didn't take into account that we are in the process of refinancing our home to move from an FHA with PMI to a straight conventional loan, no PMI.  We need to have our home appraised as high as possible to establish 20% equity.
Appraisal.  Hmmm.  "Does someone need to actually see the house?"  "Uh, yeah, definitely.  Why."  "Oh, nothing."
Lesson for the Day:  Destroying front yard + imminent home appraisal = Timing Snafu
