Well! My husband and I started in kenai, from Fairbanks, We built out of pocket and never got a loan. 11 years later we want to do some changes so we are getting a loan, and I now have intimate knowledge of the loan process and the complicated system of the banks & the construction field! ouch!! paper,paper,and more paper, we killed a couple of trees with this transaction and a few brain cells at least for me. Needless to say it's going through but, I was so busy running around getting things done for this personal loan I didn't have much time for anything else. Now it's catch up time until construction, then I'll be living in our 21" motor home for two months and watching out the window and trying not to wince. So when a client tells me they are having a problem getting the loan,  I will be more than sympathetic, I will be empathetic!