Stop in for a cup of coffee

Yes, he's our builder and we've been waiting for him to take the signed build contract along with the materials sheet for the house and shop to the bank. Bank needs that for appraisal, loan is sitting in underwriting, been 2 weeks.
I would call him on it..." I see this, I don't like it. You are already dragging your feet, what can I expect..."
Does he already have some of your $?