Lenders that don't require recent comparable purchase?

stickdog wrote:
Check local credit unions. They worked for us.

Yes, why are you doing online ? Credit unions most always have the best rates. Banks have to pay shareholders, and that adds to the rate they charge you. I am similar to you. No debt and paid off everything.
When you pay off your credit cards in full the term they use for you is a "deadbeat". Yes you heard that right. Their not making money on you. Are you asking for a 100% loan ? If the house is paid for you have collateral.