Next you need to check out the two main options for construction loans:
bridge followed by normal financing
The bridge or construction loan is made for well-qualified borrowers to supply funds in stages for lot, foundation, materials, or other progress payments up to the point the house is ready to occupy. This process typically runs 6 months or longer. The rates on these loans is not pretty, but the loan is only for interim financing. On completion a second loan is closed which pays off the contruction loan and is at the typical market rates and terms.
Some lenders offer a loan with a single closing, rather than the two applications, two sets of paperwork and two closings in the traditional construction loan scenario. The terms for the bridge portion of the loan are still higher than the occupancy portion, but closing costs are lower and the loan, more importantly, is set in concrete so to speak. Even though closing out the construction phase may be months away, you'll know the terms upfront.
If you don't know whom to ask, contact me for more details.