Clarification lang po, is the seller of the lot an individual but the title is still under the developer's name? If yes, the usual process ng mga banks is appraisal (inspection) of the property so submit a photocopy of the owner's duplicate title (kahit nakapangalan pa kay sta. lucia) and a copy of the Deed of Absolute Sale (DOAS) as proof na yung individual seller na ang talagang owner. Then the usual requirements, income documents and identity documents, ask bpi for the application requirements.
You've mentioned na OFW yung seller, once approved na ang loan niyo with BPI, they might require the seller to execute an SPA kasi kung nasa abroad siya hindi siya makakapirma sa Letter of Guarantee (Bank Guarantee). That's why humihingi ang banks ng SPA para yung Atty in Fact ng Seller ang pipirma sa Bank Guarantee, as well as tatanggap ng Loan since ito yung payment niyo sa kanya.
Pero kung nandito naman yung seller niyo sa Pilipinas, no need to execute SPA.
If you have any questions, ask niyo lang ako dito sa thread or pm me.