I called two local (local to Moneta, VA) banks yesterday to start the process of getting a construction loan.  Our house is providing no where near what we had hoped 3 years ago in equity!  Jack will be our general contractor and there is a financial bank penalty for what they call a “self-build.”  The rate is about 4.25% right now but I am still sending them all of the documentation they need before we actually talk with them in person.  They want paper copies.  Really?  I don’t do paper statements nor paper tax forms.  I pdf’d the files.

Today is the mechanicals inspection on the house; next week termite and septic inspection.  More hurdles towards closing!