The builder is giving buyers incentives tied with a purchase of a home. In my case, the builder is giving me $20,000 to use toward closing costs, upgrades, HOA fees, property taxes, interest rate buy down…etc.

I wanted to use the money towards closing costs, 2 years HOAs, and 2 years property taxes. The loan broker wanted to use the incentives toward an interest rate buy down. $3,900 to get .5% lower. I didn’t want that, so that’s how the realtor got into an argument with the lender.

I know I’ll get ass raped by some of you guys on here, but I’m putting 34% down.

I guess my question should be, would I be able to continue the loan directly with citibank, even though my loan broker has cancelled it?