I have been up there as well. The lots are large as mentioned. I believe that it is a legitimate concern. If Stanpac went broke during the escrow period you would need to figure out how to get your deposit back. However I believe they would go through a reorg in such an event. Not sure how that would affect your escrow. As for the credit back using the preferred lender all of your credits, tax prepayments and such would be paid at COE, up front so to speak. At least that was the understanding I had after talking to one of the sales people about the credit program.