The builder just emailed me… after working back and forth with the bank for the last week trying to get around arbitrary house value to land value ratio, the end result is the drywall and the fireplace must stay. Rural or not, the house value must match some magical percentage in relationship to the overall value of the house and land. This news meant the deal was off, because we were going to stick to our monthly payment goal and not deviate to make something work that wasn’t right for us.
It is a good thing I kept reading the email… the builder said at the end of the email that he was going to eat the cost of both. We are pretty stinking excited!
We do have to pay for yet another appraisal and, like I mentioned earlier, resubmit everything to the bank once again, but it looks like things are moving again.