@Brian PownallExcellent data, clearly shows cap rate decline and cap rate compression.This cap rate compression does not impact my investing strategy.My strategy is based more on investing where I have a competitive advantage than relative cap rates.

@Orwin Smith if you know the product you need but just need it in a specific state try posting in that state forum.

The good news is there should be products still out there. 

You actually don’t need to decline anyone.

@Andrew Freed These programs make money by collecting premiums and declining coverage.

If I understand what you're describing, it sounds like your lender is being particularly aggressive and probably does not want you to refinance out of his/her loan product, though that is your choice.

If it is now finished, then I would load it up with 50-100 pictures of the finished product, including interior photos.Why has price gone up $500,000?   

The best rates come mainly from the company they work for and their associated programs/products. 

Local lenders with credit unions may have quirky loan products that you wouldn't find at a big box lender but this is not always the case.

A lot is going to depend on how you're situated and how that matches up with the loan products they offer.