Ryan Homes
Reviews and Complaints

Ryan Homes will NOT allow you to have a buyers agent if you do not bring them with you on your first visit. My client went to the local Ryan Homes at Creekside at Tanyard Springs and told the builder's sales person there, Jill Wooten, that he was working with us, gave her our name, phone number and email address. She wrote everything down, and he said he was already working with us on an existing home and stopped in to look at the townhomes. We went over there to register him and she said that he didn't say he was working with a buyer's agent, that he was only working with us to sell his home. But in the same conversation she said oh yes, you've been negotiating another home "forever" (a week or so) and are still $5k apart. She KNEW he had a buyer's agency agreement and made sure not to notify us that he came in and she said that she was "procuring" cause. Her partner said that he mentioned a "random" RE/MAX agent that he was working with. Seriously? Buyer's agency was put into place in Maryland in 1989 to protect the consumer and builder's reps do not have to be licensed. That means they are not subject to agency law and disclosure. They will do their best to have you sign a contract with them without an agent. These builder's reps do not work for you, they represent the builder and the builder's best interests.

My clients son went in after we found this out and they apologized and said they would "take care of it". They did not. "Corporate" decided, according to the other rep Andy Giel, that they sold 14 homes this month so they don't need to co-op. If it were a slower month like December when they only sold 2 homes, they might not have cared. Seriously?

Make sure you know your rights as a consumer! There is a reason Ryan has sooooo many complaints against them - most of their transactions are done directly with consumers who do not have Realtors working with them and watching their backs!

Our home is 11 years old (Ryan homes). Home warranty for leakage is one year. The company line is shrinkage is common and these type of leaks are acceptable. I was told they didn't waterproof basements until 2009. (Company line was that this was industry standard at the time)

This is our 4th wall repair.

No
Goodwill

$200 to have repaired. This time

My wife and I picked the color Autumn Beige for our siding from the key chain swatch inside the model home. Indoors, Autumn Beige looked like a really nice color. However, when it was put on our house the story was different.

At first my wife and I looked at the color and couldn't quite put our finger on what was wrong. We discussed the color being off and looking pink, but we thought that maybe it was the sun or our UV ray sunglasses. Surely this couldn't be a pink color! Well, we went to see the house at different times of day and still the color was off. A couple of family members and friends made comments about the house looking pink, pink-peachy, and salmon. We were like...yeah, we think so, too!

We complained to our PM and sales rep. The PM's suggestion was to get the key chain swatch and put it up to the house. Well, when the swatch is placed directly on the siding it looks like the Autumn Beige that we chose, but step back just a few paces and you see pink.

We soon found out from searching the net that this is not the first time that Ryan has had complaints about this color. We found the Dillon's blog and few other postings citing the same situation with the pinkish, peachy undertones of the siding. The Dillon's situation happened in Summer 2011 and here it is March 2012 and Ryan Homes still hasn't rectified the problem with this color. Fortunately the Dillon's siding was changed but unfortunately, they had to pay a nominal fee. We were told that Ryan Homes would pay half of the charge to remove and replace the siding and that we would be responsible for the other half. This is unacceptable! Ryan Homes should not expect us to pay a fee for an issue that they were made aware of last summer.
It was rumored (from the Dillon blog) that Ryan Homes was supposed to either remove the Autumn Beige from the siding choices and/or issue a disclaimer to customers to view the color on an actual house before choosing. Obviously, this didn't happen in our case.

We are routing this issue throughout the management chain for Ryan Homes and I am hopeful that we will come to a resolution to our liking. We are paying a lot of money for this house and we should be happy about building our dream home!

My advice to all of those individuals who are getting ready to build your house - select your siding color by going to visit an actual house with that color and preferably on a sunny day. If you can't visit a house, take the swatches outside and view in the natural light because the color may be off in the artificial light. Still, if possible visit a house. The samples are so small that if we had viewed them outside, I don't believe that we would have been able to see the pink hue in the Autumn Beige swatch.

Ryan Homes, NVR Mortgage and Developer Eric Hedrick did engage in deceptive sales practices when I purchased my home on January 09, 2008. I purchased a house from Ryan Homes and NVR Mortgage with the stated agreement that Ryan Homes would control every aspect of construction.

After closing on January 09 2008, I started noticing drainage and irrigation problems. I made several complaints to a Ryan agent Brandon to no avail. In May 2009, the problem worsened due to improper grading, constant heavy rains and a faulty irrigation system. I spoke with county officials and they advised me to write a formal complaint to the Builder whom I thought at that time was Ryan Homes.

Moreover, at that time the county official did apprise me that Eric Hedrick was the Builder. I have been dealing with Ryan Homes for almost two years and at no point did they ever disclose that Eric Hedrick was the Builder/Developer. As a matter of fact, Mr. Eric Hedrick has been acting as our property manager since 2007.

Subsequently, I discovered by way of investigation of county records that Ryan Homes was subcontracted by local developer Eric Hedrick to build the house only. I and other consumers were not informed or made aware of at anytime of this relationship or business agreement. I sent a formal complaint to Ryan Homes/NVR Mortgage and Eric Hedrick on June 26, 2009. As of date there has been no response.

Additionally, I made a complaint to the BBB on September 19, 2009, still waiting for a response from Ryan Homes/NVR Mortgage. I spoke with BBB on October 30, 2009. The BBB representative stated that she spoke with a C Bertling on October 12 2009, and he assured her that a response would ensue. As of date no response. Subsequently, two additional letters were sent including one from the President of the BBB.

Consequently, Developer Eric Hedrick through his careless and irresponsible actions has caused the diminishing of our property values. The worked performed by the Developer could at best be described as negligent. As homeowners, we were told by Ryan sales representative Sandy Bowers that there would be fencing throughout the community to ensure privacy and security. Unfortunately, this and many other promises were not fulfilled.

Our streets, sidewalks and homes were left with red clay debris. Eric Hedrick nor Ryan Homes even bothered to clean up the community before they left. The HOA has come out of pocket 3400 dollars just to clean the sidewalks and driveways. However, the sidewalks and streets look the same because the red clay was so baked on. Mr. Hedrick admitted on Aug 12 2009 during a HOA meeting that the pressure washing was not done but deflected the blame to Ryan Homes.

The concrete work is very shoddy; there are holes and cracks everywhere. One neighbor's patio collapsed and the Developer blamed it on the homeowner's actions. I paid about 225, 000 dollars for my home and I am sickened by the steady decline in property value. I expect a major homebuilder such as Ryan Homes to act responsibly and with a genuine regard for their consumers. We bought in good faith and I expect them to act in good faith.

We bought a Ryan Home as a spec home in 2007. The original owners backed out at the last second. We thought this was great, we got a new home for a decent price. They were smart, because we have had issues ever since!. When you buy a brand new home you don't expect to have to start fixing things right out of the gate'. We have had several cracks in our basement walls allowing water to get into the basement/. We are told this is from the house "settling", . However, my parents built a house 20 years ago (not a Ryan Home) and have never had this issue.. Also, our AC is already leaking which we found out is from a damaged coil, which we're told is most likely from when it was installed, so someone had damaged it putting in it! The drain in the basement that the washer uses to dispose of water was blocked because someone had backed into the PVC pipe in the driveway, cracked it, allowing pieces of pipe to clog the drain!. This also resulted in a basement full of water;. The windows are drafty and things in general are just falling apart!

I bought a Ryan Home near Williamsburg, Va. summer of 2006, to be built by August, 2007. They made their deadline...barely.

My complaint is that to "trigger" the sale of the home, the Ryan Homes sales person told us not to build a 3 car garage because, "We have a place to park boats". It's 2011 and there certainly is no place to park boats. Other lame promises: "We will have a swimming pool and a swim team". We FINALLY got a pool in 2010, but it's not configured for a swim team. They also told me the pond in front of our home would "have a fountain in it with nice landscaping around it." It was ALWAYS designated as a "dry pond" we found out later.

Ryan home is a low coast builder ever thing they use from cheap materials to very cheap labor thats y they sell homes for so cheap a good builder cant compete with them. thats y there homes fall apart . build the same kind of house you have with a good builder it will coast you more but you wont have any problems and the value will always go up verses trying to get your money back or even lose money so be smart and god bless and if you do build with ryan keep your eyes open from start to finish of construction and make sure theres a good inspector on the job inspecting every thing.

Will just state the facts:

House not centered on foundation.

Every wall had at least four major flaws.

Driveway had to be replaced.

Spacing issue’s with wood floors.

Upgraded cabinets are of same quality of stock items.

Project Manager had no knowledge of construction.

75% of the windows had to the drywall removed and replace because of curves.

Tapping and mudding is the worst I’ve seen. You can see every tape line in the ceilings.

Lighting fixture had very large hole behind them, I guess if you don’t see it’s not a mistake.

All the walls bow.

Have been the house a year and 2 months and still finding issue. Ryan has so called fixed some issue, but will quickly bring out the housing code's to say, well in with in 1/2 in.

I would recommend, if you are going to have a house build don't. Find one that is a least 25 years old and fix it up. At least when you paint a wall the line will straight between the wall and ceiling.

We bought our Ryan Quartermaine townhouse in late 2008. We had given Ryan intent in Dec 2007. They promised us in the 8 month intern while our home was being built that it would 'never' go down in price and that each unit they built after ours they would sell for an additional 1K above our price. They promised us they would never undersell us. They said they would never pull out or leave us hanging.

Well, after we moved in, they promptly started building cheap 2 story town houses for 100K less than our 3 story. Something they had promised they would never do as well. Then the pull out completely of the development and have left it unfinished. The roads aren't done. The units aren't built. The 'pond' is a waste cess pool. And to top it off, they are selling their trashed model with the following ad on Zillow:

'Can you believe over $60, 000 below original price and never lived in.Plus $2, 000 toward closing cost. Innovative townhome was once the model for Townhomes at Ayrsley. Sunny gourmet kitchen has maple cabinets & hardwood floors, large breakfast bar, tray ceiling in dining room, built-in sound system Upper level has 2 owner's suites with walk-in closets.Lower rec. room could be a media room, office.'

We feel betrayed, and used. They took our money and ran. We are almost 100K under water with no relief in sight, and I have lost my job and am up all night with worry. I was told my old employer found out I was underwater and in debt and fired me. We can't afford the NVR mortgage now that they sold us on. We have tried calling the government but they have not helped us. NVR says they sold our mortgage one week after we signed. BOA/Countrywide is not willing to help us at all. We have requested loan modification, with no help. Making Homes Affordable is a joke!

Please help us. We are not sure where to turn and suicidial ideation has creeped into our depressed lives.

These people saw me coming a mile away. I was vulnerable and they used it. It was very very apparent that I could not afford to buy a home, however, these * needed the sale so bad that they didn't care. After I was denied by nvr they wanted me to go to lender after lender, meanwhile my credit is only getting worse and worse. It took the threat of my lights to be turned off, and the threat of eviction for me to stop the purchase of this home. After borrowing money over and over again, i'm still in the hole and fighting to get my money returned that they were well aware I had no business giving up. This company has no care for anyone at all, if they did, they would have told me up front instead of telling me I could afford it only to deny me later... Don't trust them, they put the pretty and personable people out front for a reason.

In 1977 I purchased a new home built Ryan homes. I had new Urrea formaldehyde insulation in the walls and was not disclosed to me that it was dangerous. We sold the home in 1978 and I have an auto immune disease as well as my wife has twoauto immune diseases. My son had several birth defects and after reading what Urrea Formaldehyde can do to the human body and the suffering my whole family has gone through because of the long term exposure to these chemicals made me file this complaint. I would like any information on moving foreward with a law suit.

We are in the process of buying a Ryan Home and we feel duped. When we first went in to look at lots we were told we could build any model on any lot. We picked a lot and even put down a deposit to hold that lot. We were then told that we could not build our model on that lot because it would look odd and yield too many steps. Now this being a rear load garage home and the garage being on the basement level I expected a few steps. I figured that the main factor in the number of steps would be the difference in elevation between the road in front of and behind the home. If the road behind the home sat lower then that would yield fewer steps in front. We were told that we could not build the model that we wanted on the lot we picked because of steps the pad and because it would look odd. This was after being told initially that we could build any model on any lot. The number was about 10. We then went to another much smaller lot and were told that the model we picked would sit better on that lot and that it would yield fewer steps. I contacted the sales person and stated that the I did not see how the new lot would yield fewer steps, but I was assured that once the pad went down and they started filling the land it would work out better. We went through a month long process of taking time off to pick out all of the options. We came to the pre-construction meeting and found out that the lot we were forced into would yield 16 to 17 steps. That is almost double what was unacceptable on the original lot we picked, but they were willing to build it on the current lot with that number of steps to the front entrance. So now we were mad and tried to work with the sales person to get something worked out. The first thing they tried to do was to talk us into an even smaller lot which was our least favorite choice to begin with. We threatened to pull out of the contract and are currently waiting to see if they can place us on the lot next to the original one we picked out. It seems that we were baited and switched and really misled. I would appreciate any advice on how to deal with this situation. We really like the community and the model of home and it would break my wife's heart to walk away, but if they will not allow us to build on an acceptable lot I think I will have to walk away. C

They have new constuction in Hardyston nj, and their is never no agents their to show the homes even thou the sign says some one should be their! The seem to hire realtors from hours away, not good work ethics, lazy no show agents! We liked the homes but can never get in to view them. Called a local realtor and he was nice enough to come and try to help us, but was unable to reach an agent, the office told him they dont give their cell#s out, Ryan homes should have hired him, so we are moving on, you stink!

Ryan Homes driveway issues not resolved!

Some things to think about before you build a Ryan Home...yes, they're inexpensive...but as my 85 year old father still says to this day... "You get what you pay for! " In this case it's true...

I've noticed in their model...They had a "name brand" furnace in their basement...my neighbors and myself have "generic" models in our homes...They claim, in order to keep the cost of their homes as low as they are, they purchase from different suppliers to get the best deal...This example was also noticed with their toilets and a pedestal sink...In the model they showed Crane brand toilets, they tried to install Mansfield toilets and a pedestal sink in my home, which is a lesser grade product...I refused to take the Mansfield product...they then installed the Crane brand after they gave me a hard time...They'll show you one thing in a model, then give you something else in your home! Watch out!...

Bad ventilation system concerning the heating and cooling of various rooms...Some rooms are hot...some are freezing...especially on the second floor...All of my neighbors complained about this issue...

When they were building the house, I noticed they will not put anything that is unnecessary into the construction of the house...If it meets "code", that's where they stop...I wanted "Tyvek" house wrap installed on the outside of my home, I was even willing to pay extra for the product...They refused to install it stating it wasn't required by code in our area...

My basement leaked, along with half the other Ryan Homes in our section of the development...Stonebridge Creek in Avon, Ohio...the is a development where Ryan Homes moved into when the housing market went South, to offer an inferior product, at a greatly reduced cost compared to the other homes in the neighborhood...If you do build with Ryan Homes, expect to deal with the problems, and a million excuses why you shouldn't be concerned and never have the issues resolved in the long run...

Which leads me to my biggest issue...My Ryan Home driveway was discolored a blackish gray from an incorrect mixture of calcium when it was poured...a six inch "bubble" resulted at the end of the driveway along with chipping on the surface in various areas about the size of a quarter in about thirty different areas...You could hear and feel the difference in hardness between the correctly poured light colored areas of concrete, and the dark gray areas by scratching a piece of metal along the surface..After having nine various Ryan Managers out...they said they won't replace the driveway...Pick up the Ryan Home Home Owners Booklet, which is a blue booklet...It covers every imaginable situation or problem that may occur to a home, it states they will make repairs at their "discretion" for about 70 percent of the issues that are in the booklet...Which means, they will come up with a million reasons why its not their fault, then, they won't fix the problem...That's how they cover their butt!

You may be tempted by the price, attractive sales reps., and special offers to lure you in...Do your homework...talk to Ryan homeowners...Remember my experience...Then go to plan "B"...Build with some one other than Ryan Homes...

Ryan Homes driveway issues not resolved!

Some things to think about before you build a Ryan Home...yes, they're inexpensive...but as my 85 year old father still says to this day... "You get what you pay for! " In this case it's true...

I've noticed in their model...They had a "name brand" furnace in their basement...my neighbors and myself have "generic" models in our homes...They claim, in order to keep the cost of their homes as low as they are, they purchase from different suppliers to get the best deal...This example was also noticed with their toilets and a pedestal sink...In the model they showed Crane brand toilets, they tried to install Mansfield toilets and a pedestal sink in my home, which is a lesser grade product...I refused to take the Mansfield product...they then installed the Crane brand after they gave me a hard time...They'll show you one thing in a model, then give you something else in your home! Watch out!...

Bad ventilation system concerning the heating and cooling of various rooms...Some rooms are hot...some are freezing...especially on the second floor...All of my neighbors complained about this issue...

When they were building the house, I noticed they will not put anything that is unnecessary into the construction of the house...If it meets "code", that's where they stop...I wanted "Tyvek" house wrap installed on the outside of my home, I was even willing to pay extra for the product...They refused to install it stating it wasn't required by code in our area...

My basement leaked, along with half the other Ryan Homes in our section of the development...Stonebridge Creek in Avon, Ohio...the is a development where Ryan Homes moved into when the housing market went South, they offer an inferior product, at a greatly reduced cost compared to the other homes in the neighborhood...If you do build with Ryan Homes, expect to deal with the problems, and a million excuses why you shouldn't be concerned and never have the issues resolved in the long run...

Which leads me to my biggest issue...My Ryan Home driveway was discolored a blackish gray from an incorrect mixture of calcium when it was poured...a six inch "bubble" resulted at the end of the driveway along with chipping on the surface in various areas about the size of a quarter in about thirty different areas...You could hear and feel the difference in hardness between the correctly poured light colored areas of concrete, and the dark gray areas by scratching a piece of metal along the surface..After having nine various Ryan Managers out...they said they won't replace the driveway...Pick up the Ryan Home Home Owners Booklet, which is a blue booklet...It covers every imaginable situation or problem that may occur to a home, it states they will make repairs at their "discretion" for about 70 percent of the issues that are in the booklet...Which means, they will come up with a million reasons why its not their fault, then, they won't fix the problem...That's how they cover their butt!

You may be tempted by the price, attractive sales reps., and special offers to lure you in...Do your homework...talk to Ryan homeowners...Remember my experience...Then go to plan "B"...Build with any builder, other than Ryan Homes...

Ryan homes, a name you can trust. Hah! New to the USA and the housing market we researched and found that in our area oh Ohio Ryan had the least complaints. We signed up and moved on 31st Dec. The house was nowhere near complete. The building inspector would not pass the house on completion day until 5pm. We had nowhere to live after giving up our apt and were sat in the truck outside the house all day. Furniture being delivered had to be left on the driveway. The fridge was even still in the box in the garage while they finished the kitchen.

That was the beginning. After moving in we found so many faults that we had builders in every day for a month.

Nothing major we thought at the time but lots of annoyances. Ceilings not put into cupboards, vents drywalled over or rooms not vented at all. Furnace in roof space the wrong way round so we were expected to crawl around it to change filters. AC units that had not been connected when it came time to use them. Holes in floors that had been carpeted over. Windows that leaked, Garden that kept subsiding in rain. A window put where they should have been a floor to ceiling stone fireplace, which we actually prefer now!

And, the icing on the cake, when I had the back garden surveyed to estimate for landscaping I was told that the driveway had been poured onto the next door plot. We had to have the whole driveway dug up and moved 12 feet over thereby losing most of our front lawn and we are still fighting in court for compensation. If you look at the house from the front, it looks symmetrical but look closer and you can see that the shutters on one window are narrower. On asking the builder he told us that the house had been poured incorrectly and that the front is off center. Nothing can be done about it now but we have lost 2 feet of dining room. Again, still being fought in court.

To be fair to Ryan, their project manager at the time for our sub division did ensure that the majority of the faults were corrected in a timely manner, but for a house bought for over $500, 000.00 it is a mess.

I would never buy a new house from anyone ever again in this country after this experience. Pre packed on a low loader like flat packed furniture with workers who are not time served and then a mortgage which is over the top and cannot be refinanced because of the recession, we are left with a white elephant that is lovely to look at, but a nightmare to live in.

We were looking for a Single Family Home in Kirkpactrick Farms, Aldie VA.When we had made our mind to buy the house, we started negotiating the price but we were told that unless we are willing to sign the contract, they will not negotiate on the price. For them, negotiating on price before entering into a contract was shear wastage of time. The exact words they mentioned were " If you are looking for *** price then its wastage of your and our time.If you're willing to sign the contract, only then we will talk about the price." The way they communicated was so impolite and uncivil that we had to leave their premises there and then.

So Beware of the unpolished and poor staff of ryan homes.

Ryan Homes a Name You Cannot trust! For far too long I have waited in the wings while my Significant Other, has posted technical details of our Builder’s defect, a home built by Ryan homes. I have never stepped up to the limelight to expose the emotional devastations of what living through this is like.

I thought it would consume me, but watching Ryan feast on their wealth with no regard for the lives of those that trusted them to build them a safe secure home, this is an insidious injustice that simply mustn't be allowed to continue to families all around the United States.

This is not some hypothetical of what it would be like, this is what really happened in our lives as a direct result of Ryan Homes building me a home with a hidden defect that would eventually develop into 7 different kinds of toxic molds, and usher in illness, financial devastation and losses to this day, we are far from recovery. Some parts our lives now just gone, lost in the aftermath forever.

Those happy with their current Ryan Homes, God Bless you, count your blessings, but don’t even bother to comment to me about complaining. This is not about complaining. This is about culpability and reckless abandonment from a Builder my Father entrusted right before we lost him unexpectedly, to build me my first home, so he would have peace of mind that I would have a home if anything should happen to him.

An Honored American Veteran who served our country in Wars, and worked in Washington in the Intelligence of the Pentagon. He passed away just a few weeks before the construction was completed. I thought this was one grace, this place, this builder, this haven. I had no clue the nightmare Ryan would deliver in it’s wake.

I even called them, sent packages of pictures the defect had resulted in, only to be told that they were so wealthy, with a large team of multi billion dollar Lawyers, that I could just try and see if I could do anything to them. No offers for assistance. Just a corrupt consciousness Home builder, as is in our particular case, and many others who write our website that have had awful experiences with Ryan Homes looking to use for any help we can offer them. A conglomerate hoarding their riches, their greed for wealth, no conscious reaching for more, turning a deliberate blind eye to the defective homes, and lives left to recover from ruins anyway they could find without their assistance.

My home insurance company at the time, said because of the defect in the construction of the home, they had no obligations to intervene, 3 renovations later with no assistance we sit in the aftermath of once a financially secure, debt free life, still sorting through boxes of stuff from a temporary apt we had to rent being so ill being exposed to toxins the defect introduced. We did all of the renovations by ourselves with masks on, no one helped. Now being back in our home, we are in prayer and starting to analyze how to start over, it’s not like we are in our twenties anymore.

Negligent Home Builders need to be accountable! I am sure there are some authentic and honest earnest Builders out there, but Ryan can't fit those shoes. It’s reprehensible that they get to live lives of wealth and jet setting, and we are left to unscramble the rubix cube our lives have become from buying a Home from them.

Ryan Homes a name you can trust- that’s their slogan- yeah well I did, and my life will never be the same. Our website has details and pics for those interested, just type Ryan Homes into your search engine and you will see our site on our nightmare in recovery.

I hope you are reading this message before you signed the purchase contract. If you are one of the victims, I just want to say I understand you pain. If you are a stubborn victim, I can only say: someone had to tell you so.

Admit it, if you are considered buying a house from Ryan homes - you are looking for a bargain.

But do you know a house is also an investment. When you invest, you look for quality stuff. This is financially.

It is also a place you live everyday. Do you want to see an eyesore everyday?

My sister told me that she Realtor told her that the quality of houses built by Ryan Homes is not good, low quality. Stubborn me, I ignore her (when making the most important investment financially and emotionally in my life.)

This is the lesson I learned after signing a contract with Ryan Homes (but luckily for me, I "wakes up" in time to cancel the signed contract - it was a close call):

My advice for home buyer is:

Don't waive any of your rights when signing a contract.

(Let me ask you this, if they are a quality builder, would they have asked to you waive your rights, especially those related to the quality of the house. You need a legal recourse when thing goes haywire.)

Don't sign the contract without a lawyer or realtor reviewing.

Don't accept any verbal promises. If they can't put it down in written form, they probably will not be able to delivery the promise. Plus, it avoid miscommunication.

Do this:

If you have any concerns, ask them to put it down on the contract. If they are unwilling to do it, it probably means "NO" to your concern.

After touring one of the unit Ryan Homes is building,

I pity the guy who is going to live there. There is an eyesore in the kitchen - the ugly cabinet - for a house someone paid for $200k - 270k!

My question for you and myself is that: Are you really saving money?

Let's say one out of hundred (I fear one out of three - is the true figure) is going to face this quality issue - how do you know you won't be the one!

I tell myself this: There are many houses out there. Really.

After this dreadful house buying experience, I found a new motto:

If you want to find a friend who is selling you a house, get a dog.

P/S:

You are in control not them. You don't need to use their financing - just tell them you want to same discount but can stay with other lenders or you walk.

Forget the "Must finance with XXX". You can dictate the terms - don't let they fool you. You are the consumer.