Can't see why you ae not talking with lenders to ask if they can do a refi for you, it sounds like you can. You just need to start the process and speak to some lenders. It will all depend on the appraisal in todays market.... more
If you've already signed a contract you risk losing your deposit. If you have your own lender (and forego the incentives to use the builder's chosen lender) then your lender's appraiser will do an appraisal.
$30k in upgrades isn't generally a lot of money on a newly built $250k home.... more