Final word, we WILL be closing tomorrow at 11:00 a.m. WOOHOO!!!
Also, I was looking at our appraisal and realized something.. If we went with another lender (like we were about to because NVR was driving us crazy) our house would have appraised for LESS than what the house would cost us if we didn't have the incentives. We asked the outside lender what would've happened and she said we would have to pay the difference out of pocket at closing. This is just a heads up for those that went with an outside lender. Obviously all lenders handle things differently but it's good to ask what would happen if this was your case!