Can I just tell you what a pain it is to try and get a new construction loan. It absolutely amazes me how much time, effort and money you have to put into it before you are even ready to apply. We are currently racing the weather clock to try and see if we can get this project done before snow is on the ground. I have bids from the roofer, and millwork and thats about it. I finally got a hold of the drywall guys today, so I should have a bid from them on Wed. Still waiting for bids from electrical, framers (who will be doing siding too) windows and doors. I haven't even been able to find a concrete guy yet, and I haven't even thought about painters. After all that I just have to cross my fingers that the bids will come in low enough. Comments? Post them here in the forums.