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Until you get your estimate bids you won't be able to get a construction loan. You can't start building until you get funding. So get started right now by getting those estimate bids from all your potential subs so you'll have them ready to take with you to the bank when you go apply for your construction-loan.
Study this website thoroughly so you'll know your job as owner/Builder (GC) and then talk "shop" with the banker. Let him/her (banker) witness that you understand the building process. Our Loan Officer admitted that even her best General Contractors didn't come with this much documentation. I never came across as "knowing it all", and I asked my Loan Officer for help whenever I needed to, and she was always willing to give suggestions. First impressions are what last, so along with your plans take as many of your sub's estimates with you as possible.
If your credit is good and you have a solid job, plus if you take estimate bids with you to the bank, you'll have a better chance of getting an owner-builder-home-construction-loan, as long as the bank is looking to make home construction loans.Searching for money is never easy, but consider it "shopping for money." It simply means you will have to search until you find a lending institution that is "hungry" for loans.
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