Premiums in Iowa, Minnesota, Montana, Utah, and Washington jumped by more than 20 percent.The insurance situation is especially serious in California and Florida.In 2023, around 7 percent of realtors saw deals fall through due to insurance issues, with the share jumping to 13 percent last year as of October, according the California Association of Realtors.

Quote from @Vince Scipione: Standard would be an FHA loan for your situation more than likely.

If there’s specific projects like electrical we get a project specific estimate after we put it under contract prior to the earnest money going hard.

Good luck with your situation. 

This question never has a "best" answer, only best for your situation!

How specifically could they have done that?

If you have specific questions about property management, I'll be happy to help!

I have been listening to the podcasts for years and have finally gotten serious about making this move to better my families situation. 

Things to consider when buying a new build are appliances, fans, blinds, and back yard landscaping; sometimes we can get appliances included, it just depends on the situation.

Are there specific lenders or servicers that are more likely to call these loans?