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Francisco's Forum Posts: 1

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By Francisco in Sun Prairie, WI on 3/6/2005


I am trying to make a budget spreadsheet and I would like to see someone else's list of expenses to see what I might be missing.

Thanks


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By Carisa in Knightdale, NC on 3/10/2005


Hi, I am just starting my budget and compiling subs estimates. The bank we are getting our loan from, who finances O-Bs without GC licenses, gave us a form that we need to complete. It breaks down all the costs of each phase, etc. This is the most thorough list I have been able to find yet. I would be happy to fax it to you.

Carisa


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By David in Glenwood Springs, CO on 3/12/2005


Hi Carisa

Which is the bank that will do a construction loan without a GC? I am starting my project soon and I am trying to find a bank that will lend without a GC.

Thanks

David


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By Carisa in Knightdale, NC on 3/12/2005


Hi David,

We are using a small local bank, First Federal, not sure if they loan out of state though.  If you'd like to find out, their # is 919-669-6144.  Another possibility is American Financial, Jefferey Nicols, 866-317-8611 x116. 

Good Luck!

Carisa


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By Teresa in Big Bear, CA on 3/17/2005


David, IndyMac bank does not require a GC, only a Site Supervisor who does NOT have to be licensed (but they do have to be able to show some experience in construction). We are in the process of applying with them so I can't say how good (or bad) they are quite yet.

Francisco, here's a line item cost breakdown from IndyMac's site that might help. If you're computer savvy, you might be able to convert it to an Excel file for your personal use.

hcl.indymacbank.com/Consumers/Tools

Cheers,

Tree


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By Lynnette in Orlando, FL on 3/21/2005


Tree, thanks for posting the link to the line item breakdown. I think a lot of people are going to find it extremely useful.
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By Thomas in Mooresville, NC on 11/5/2006


Hi Carisa - I'm in Mooresville (North of Charlotte) and was wondering if First Federal required a site super?  Also, is their program reasonable as far as closing costs? 

Thanks - Tommy


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