[mgcsooner]

Many things have changed my friends. One of my sons works in this field and has spent on occasion telling me horrid examples of people you'd think would qualify for a mortgage in two seconds and can't. The entire experience has drastically changed since the banking failures, all the bad loans, etc. I mean people making 250-400K a year, trying to buy or even refinance a house. Self employed? You are high risk. You have perfect credit, but your spouse may not. How many of your kids have you co-signed loans for? Have a lien filed against your property? If you deal in a mostly cash business, don't bother.

Some of you will have ZERO problems, not that your credit is any better, just that it is less complicated to verify, it just all depends.

So back to the OP and solving your problem--perhaps. I don't know the time frames for sure, but TV did offer a better deal for those that wanted TO BUILD and they get a discount as well. The downside is you are on the hook for more if you back (I believe), but on the other hand you have longer to arrange your financing. I thought it was 60 days.

Oddly for most people moving to TV it seams this is not a big issue they told us when we moved here more than a year ago, I thing it was something like 60-70% did not finance their homes. I thought about that, but the rates were so low, it seemed like money could be put to better use elsewhere. In my case I used my credit union. They too would not guarantee it. I talked to a supervisor just to see what the "long poles in the tent" were going to be closing the deal, since I was also pre-approved. It was simply completing the appraisal! I went with the "risk". The appraisal was completed a within ten days. I also compared at the end of the deal the actual close cost savings VS citizens, and believe it or not it was something like $3-400. I would have gone with Citizens for that, except for the 0.025% in mortgage loans rate. Even there, at the time they were very competetive.