We want to build a DR Horton home. We were pre approved with our own lender. The builder was aggressively pushing us to use their lender. They gave us a “discount” on closing costs, so we went ahead with getting approved with their lender (DHI). Well, they denied us. What are our options? Can we use our lender that approved us? We were told by builder that we would have to put more earnest money down and could be responsible for things not completed by closing. I found this very odd.