Traditional Lender Who Can Get Us Over a Hurdle (Quickly) in KY?

[Dina Schmid]

We've been under contract for close to 75 days and still don't have a closing date. Ready to jump ship on our lender if there's someone else out there that can get us to close by March 16th.

Details:
Powell County KY 
35% down
Excellent credit (although we've had two hard pulls recently - by the same lender)
Property appraised for 3% over purchase price
All paperwork (tax info, pay stubs, bank statements, etc.) in a folder on my computer and ready to submit

Hurdles we've been dealing with:
- Unresolved mortgage on previous owner (we've been told it's been resolved)
- Small judgement lien against previous owner (<$1000) can not be resolved. Entity declared bankruptcy and didn't list the lien in their filings. We had already requested owner's title insurance before this was even discovered.
- Property is on a private road currently owned by an LLC/Landowner's association. This last one is really holding things up. We're the first build in the development and the builder is going to turn it over to an HOA when the development is finished.
We know there's an easement but the lender wants reassurance that we have permanent and unrestricted access. I'm trying to get something from the developer but honestly don't know what I could give them at this point.

I'm also okay with advice that we should walk away if in looking at this think it's too risky. We might be naive, but we don't see huge risks.  DM if you're a traditional lender who can make this happen (without outrageous fees of course!).