You have gotten some good advice from the mommas. I have a home that I will sell one day and since it came with a dishwasher, garbage disposal and stove it will have one when I sell. I will make sure that they work but I will not be buying top of the line or anything like that.
Usually when you purchase a home old or new you have things that you want in it other than what is offered. That's why they suggest to sellers to paint the house neutral colors and be move-in ready.
The home inspection points out things that should be done by the seller prior to the sale. I had a sale hung up on one item that the seller was going to have done but didn't and called the title company to hold x amount of dollars out of the sale because the items was not completed. You wouldn't believe how fast the repair was done in order to close the sale. It is the seller's responsibility to make sure that the house is fit to live in.
How much is the licensed contractor going to cost you to do the repairs? If you don't want to "roll" the costs into your mortgage have that money up front in cash or check at closing. This the only way I see you not paying the extra for the home items. Go to Lowes or Home Depot for the stove/dishwasher and get the ones you like and pay in cash.
Is any of this in writing? If not it is he said she said.
You and your husband have to be on board as a united front in order for this to work. It is not just about you it is about us/we the family when it comes to purchasing a home. Get most of the things you want in your first home and as time goes by decide if another home is necessary with the added features that you didn't get the first time. We all have to start somewhere when buying a home.
It kind of sounds like the realtor and mortgage company need a sale by the way they are "pushing" you to do something you don't want to do. If you can find way to hash out the small details for the loan do so. Otherwise you may be without a home for some time to come. Do talk to your husband and try to undertand where he is coming from with the house and why he is in love with the house. Do the paperwork in front of him and explain your side so that he knows why you are against this and then make your final decision as you will be living in this house for the next 5 to 15 or 20 years.
Good luck and congrats on your new home.
The other S.