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I also had issues dealing with a builders lender. Incompetent fools, would ask for the same documents multiple times, had 3 months to get their shit together, at 5pm on the Friday before closing, he asks for all updated documents. Needless to say we missed closing by a few days because of the lenders incompetence.
The only reason I put up with it was because they gave $25k towards closing costs. 1 year later I refinanced and got a way better rate and it was a much smoother process when I choose my own lender.
Regarding the sales agreement, it was a different market when I bought, agents weren't greedy for above market sales. They gave us time to consult with our lawyer, then we brought a signed contract and certified check to submit the contract.
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