OX,,
They dont care if you are putting 90% down, you will jump through the same hoops as a 10% down buyer. They aren’t being picky with just you.
Hopefully you got a 4.875% fixed loan and some decent mortgage advice.

A zero value hole in the ground to you is a multi million dollar potential lawsuit to them. It’s a health and safety issue. The usual pool condition is simple. It needs to be filled completely with either water OR dirt, you decide.

Borrowers need to not have the attitude that they are doing a lender a favor by willing to get a loan, and think that they are special because they are putting 50% down. I kiss the ass of underwriters on a regular basis to get conditions signed off that are sometimes stupid. That person has the power to get a loan underwritten/approved in a timely manner OR make my life difficult.

Having borrowers drag their feet over submitting documentation or making decisions doesn’t help the process.