for example, we were supposed to build a house in June. Bank put a halt to it. Not because of anything we did, but we were pre-approved back in Feb, 2.2 % APR. both our scores are in the 700s. the bank raised the minimum score on us to 840 for new construction. I've called around this week to over two dozen banks. Almost all of them had raised their scores above 800, most in the 820 to 860 range and with at least 30% down in most cases, some were lower. or stopped doing new construction loans altogether, which most choosing the latter option. So now we're on hold until who knows when.