Just FYI you don't necasarrily have to keep your utilization low for the next 8 months unless you just want to do this for personal financial reasons. Credit scores don't keep a memory so you can charge some stuff for the next few months (even if it reports) if needed. They will have to do another hard pull close to when the home is done as the credit pulls expire in 120 days. So as long as you have your utlization back down for when they do the next credit pull it will be fine. I was in the exact situation although it took them 6 months to build my home and closed with FHA.
Good Luck
