I am also buying a Ryan home in the DC metro, however, I don't think you are required to use NVR unless they are giving you free options/incentives. you could always sort your own financing besides if you get a lower interest rate they are required to match it, if they couldn't you could keep their incentives plus use your own lender. someone correct me if I'm wrong.
Starting Score: EQ: 532, EX: 569, TU: 621 (All lender pull 10/15/11)