Find another bank. Every lender has their own requirements for "seasoning" which Mark explained below. If you need a referral to someone who can help you out, feel free to contact me through my profile. I work with several lenders who do not required seasoning, however, I will have to see if they lend in Arizona if you are buying in Glendale Arizona and not Glendale California.
Please note, sometimes the seasoning requirement is not the bank's but the mortgage insurance company's. Also, FHA requires that the prior owner has held title to the property for a minimum of 90 days before they will lend on it. So if you are doing an FHA loan, that could have been a problem, although, I do not see how it would apply if, as you say, the construction company has owned it for 3 months.
I have a philosophy in life: Don't accept NO for an answer when you know it is the wrong answer. So keep asking the questions and you will find the lender to do your deal. Dare to Dream.
Real Estate Consultant
RE/MAX Palos Verdes Realty