Maybe I am relentless. I contacted a few lenders and I received one message so far:

"Dear Joe,

Thank you for contacting E-LOAN. While we cannot speak regarding the requirements that another lender may have, E-LOAN would also require that there be floor coverings. The floor coverings help to ensure that the home is inhabitable, a requirement that E-LOAN has for all of its home loans.

If you have any other questions, please call us at (888) 533-5333 and one of our Customer Care Representatives will be glad to assist you.

Thank you."