I understand your dilemma.
But in case some one else follows this post at some point in the future I will address that...
It was found that builder and mortgage company relationships offer certain incentives such as pay closing cost, adding bonus rooms, etc.. etc...To tie you into using those companies for whatever benefit they are offering.
This was found to be against the new rules since it could be considered a payment.
Consumers were advised to get several quotes to compare one to the other. The bottom line is if they offer closing fees to one company they have to have the same incentive to all companies. But there is no way the builder and or mortgage company is going to let you know this.
Some of the biggest reports on scams from mortgage companies come with builder mortgage relationships. Trust me the builders are not giving away anything that cost them money, it is all factored into the price. Whats sad is when some are offered a bonus room or something to that nature and decline it since they have no need for it, the price of the home is never reduced, so the builder adds additional profit to his bottom line.
This was not said in any way to imply your builder and or mortgage company is scamming you. It was said to let others know of the possibility and their rights to a fair and honest transaction.
