I am in Roseburg, and I only offer the 203k(s) for FHA. The full 203k is a nightmare....the (s) is reasonable, but not fun. There are plenty of other opportunities though. I'm working with a new homebuyer right now and the builder allowed them to pick out their own lot. Builder can finance on their own and then you come in with a "purchase" loan 4-6 months down the road and buy the home. This is by far the easiest and most cost effective way to do this type of transaction. If you have the resources to buy your own lot with cash, then you have even more opportunities to save money. In my opinion, the 203k (full) is a major headache for the builder, borrower, and lender, and there are much higher costs (rate and fees) associated with it. Give me a call in the morning and I'd be happy to discuss your options.