Don't think you can tell them what you will and will not do if you signed a contract!
We are building with Ryan and financing with NVR as well. closing 10/31.
Why are your in-laws putting money in your account to pay their bills?
One of the requirements for a conventional loan is that all funds be your own (Down Payment, Settlement, etc.) That is why it is a problem. If you need to borrow money for those items then lenders are wary. Also you are only required to explain large deposits into your account. >$1,000.
If your in-laws are making large deposits into your account then it gives the appearance that you are using borrowed funds. The other thing is NVR should only be looking into your accouts twice, when you start the application and right before settlement. How do they know your in-laws are making deposits into your accounts if you are 2 months from settlement?
As far as shopping around, Ryan gives incentives for using in house financing (NVR)
If you signed a contract and got a reduced price for those incentives and then you go out and obtain other financing then you have to pay for those incentives, Do I hear Jumbo Loan?
Home Value 431,000
Incentive value, 31,000
Sales price 400,000
if you go outside NVR and finance the sales price is then $431,000
I don't know about your in-laws having to turn over their bank statements but you have to explain large deposits into your account.
They pull your scores before settlement not to adjust the rate, since you should have locked at least 2 weeks prior, but to see if you went out and added any more debt (cars, furniture, credit cards) if so your financing could fall through.
Hope this helps,
Hey maybe we are neighbors.