Oxford, the bank is lending you the money to pay for the home, including the pool. Banks are in the process of losing $1-4 trillion dollars for doing this kind of thing badly in the past. I am not surprised to see them getting a little picky. I wish you the best, but I am glad to see this kind of pickiness.
On a practical note, the bank is at risk of losing $13K more if the pool is that much of a liability (and the amount it is lending is higher than it should be by that much), so why not just put down $13K more and reduce your requested loan balance by that much? If you don’t, then they are fully justified in being extra picky because they are at extra risk.
So I’d like to see you personally get a good resolution, but I am very happy to hear that some banks are sometimes getting picky again, as if they were going to lose money if anything went wrong. This is the way it should always have been, and should be in the future.
