Tim provide a very important response.
Financing new builds is a bit different....a whole lot different.
After you chat with a loan officer, try a local lender.
Specificly, contack a local lender who has a track record of investing in the community through small business loand and home loans. Choose an "A" or "B" graded lender.
Simply enter the zip or city of your destination location, the call.
Next step is to contact a local real esate professional. They can idenfy for you where the new construction communities are. Go there WITH YOUR AGENT. If you skip or forget that detail there will be a surpise you won't like later.
Many of these designed communities will have preferred financing that will not have the same requirements of a mortgatge broker, bank or local lender. That is how they become so successful, by removing the financing obstacles. Don't proceed without an professional representing you.
Now you have a broader view of the options available to you. Your financial adviser and attorney will be able to provide guidance regarding the instrument of ownership most beneficial to you and the best venue to leverage your collateral and other purchase assets.
It time to CALL a Lolo, MT professional.