Hi Twin Mom MD,
I'm a Realtor, but you need a Mortgage Banker like I was for 16 years before changing seats at the closing table. A local bank, SouthCoast, has probably the best construction loan available in our market. You can call Kyle Russell. a mortgage loan officer at SouthCoast, to get details (843-216-3069). It sounds like you would be able to qualify for their criteria as I understand it. Have a great New Year and please let me know if I can be of further assistance.