If all things are equal the builders lender can't do much more, if any more, than any other lender. All lenders have some flexibility and leeway in what they offer. One might say you are qualified to borrow $200,000 and another might say $210,000, but you should not get $200k from one and $350k from another. That would be too much leeway. If the builder pays points they can qualify you for more loan, but the builder could pay points on any other loan and get the same deal. So bottom line is the builders lender can't do much different than many other lenders could offer, as long as everything is equal.