does the bank have someone that can advise you? Like the loan officer, etc. They should be more than willing to help you. If not, different bank
I think it will be much harder now.You don't show your location. I am in Ontario. When I built my house 10 years ago, I went to the bank to get a builders loan. I had my property paid for, driveway in, well drilled. I had about 40 grand cash and good credit. The bank wouldn't give me a builders loan as they were not interested in half finished houses. Instead they gave me a 50000 dollar line of unsecured credit. Between that and my business line of credit, I got the house built. They then gave me a mortgage for the house without any trouble. Even though I have been in business as a contractor for many years, I found the bank not willing to help me. I robbed peter to pay paul until it was done, then they tripped over themselves to give me a mortgage. What a pita.
+1. If you don't supply enough detail, they'll ask for more....only give them as much info as they ask for. Don't be too detailed because if something happens or changes then you'll have explaining to do. Be general and broad, if they ask for more detail then give it, but only if asked.