We actually had settlement today for our construction loan, just 3 months after filling out the paperwork. It went well and the process makes sense so we should be okay now. It will take a few days for the paperwork to be finalized, but I am hoping to have a basement very soon instead of a hole. Now, we have at most 15 weeks until baby should be arriving, I wonder if we can have a miracle to make this happen? I believe in the impossible b/c I serve a God that can handle anything!