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Your situation sounds like lyrics to an Arlo Guthrie song. What in the world?? Thankfully we are building in a much more relaxed area with effectively no restrictions.
We should be breaking ground on ours in the next month to month and a half. I’ve been working with lenders and have negotiated down to about 2% lower than the going rate right now. I’d suggest working with credit unions or other portfolio-based lenders if at all possible. Credit unions are also non-profits, so there are less taxes you will have to pay at closing as well.
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