I'm in Houston, too. Ordered in November, originally had a December delivery date, and it's gone back to March so far. Still no VIN or delivery date assigned. Not sure the date quoted to a person on the day they order really means a whole hell of a lot in Tesla's world. You'll probably go crazy trying to actually pinpoint a delivery date based on when you order. Might be best to just place the order and mark payment method as cash, and then update that at some point when you are ready for the loan. If you get lucky and have an earlier than expected delivery assigned, you can always rejected it or place your order on hold, but then there would be no real way to know if you'll wait a week or a month or longer once you take it off of hold, just FYI.