the loan is currently a construction loan for 5 more mos. then will be converted into residential.

That way they can give the construction crew keys toe the home, but when the home closes, the new owners just use the reset key on all their doors and they are assured the old keys don't work.

High level of knowledge of construction, market (in our geo), zoning, codes, and planning boards.4.

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I can use all constructive advice.

When I was 20 I was working construction by day, jamming in bands and staying up all night.

No development or new construction in 09 ...unless it is already funded.

Construction is the primary industry feeling the crunch here, although could get a boost from federal project money in 09.

In our construction business, we had a $30k LOC with them.

We said "after construction."