- Who do we use for a builder?
- Who do we use for our mortgage?
- Who do we use for the construction loan?
- Do we just buy the land and wait to build or start right away?
Throughout our marriage, one struggle that we have had is that people don't take us seriously. They don't return calls, they set up meetings only to cancel after we are there, they answer phone calls during meetings - in particular, personal calls, and they generally treat us like a couple of kids who don't deserve their respect. After spending almost a month trying to work with this builder and the lender, we were getting very frustrated. We felt that waiting days for voice mail or email to be returned was driving us crazy. We wanted to make an offer on this land before someone else beat us to it, but we needed to know what direction we would go for financing so we could make a proper offer.
Finally, our frustration peaked and Kati vented on her blog. She got numerous suggestions, but most of them pointed to one builder: a friend of Jeremy's from college who had started his own company recently. We contacted CL Construction and after talking to him, we both felt that this was going to be a much better fit for us.
He also recommended a friend of ours from church to do the construction loan at Cattle National Bank. After contacting him, we set up a meeting and in a matter of a week, we were approved and had numbers we could work with. We were preapproved for a land loan, for a construction loan, and for a final mortgage and we would be able to start as soon as we sold our house.
Time for an offer!