You can use something as simple as a groupchat, whatsapp group, facebook group, or email chain.

Make other accommodations for her, is there any other place she can chain it up?

The issues come in when the investor buys the property and how good they are at doing their own title search and determining a clear chain of title.  

Beside chain of title, it would be helpful to see loan documents  to determine if wife had signed promissory note, or if just deceased signed note. 

I like large oak tree personally until the branch falls to the roof 

As stated above, unless you previously contacted the neighbor and told them they had a dead branch hanging over your home, this is your problem not theirs.

Some of these banks areso small 1-5 branches you may never have heard of them.

Especially post covid with all the supply chain issues that followed.  4-6 months is a much more realistic timeline and if the builder is off any worth you might have to get in line.  4-6 months is assuming you have closed on the property, permits are in place, a contract is signed, and the weather allows me to start today.  

The production cycle needs to not only meet current demand, but back-fill a grand canyon sized hole in the logistics supply chain, all with total lack of skilled labor.

Start there it will offer many more options and choices than the 'loan officer' at your bank branch.