Alice, This is mid zone 7 on the map, but we have experienced -10F to -16F for a short time, several times. Here are some fragrant outdoor things I have grown without any protection. Hamamelis vernalis- normally flowers New Years to Feb.1, spicy. Hamamelis x 'Arnold Promise'- February, fragrance is different from vernalis. Buxus japonica - March, similar to Sweet Box. Takes several years to 'bulk up', then the fragrance fills the yeard. Buxus x Wintergreen' is similar but not as strong. Galanthus imperati,Italian Snowdrop- Hyacinth scented to my nose. Hard to come by. Eranthus hyemali, WInter Aconite- Honey scented. Hyacinths - Dutch Hybrids and the ancestral Roman Hyacinths Calycanthus florida - Sweet Shrub, maroon flowers like strawberries and cantalopes in late April. Fringe tree- Chimonanthus virginicus. The sweetness can be overpowering so keep away from windows. Syringa vulgaris- Lilac, do plant near a window. Mahonia aquifolium - Grape Holly, honey scented, April Peonies - check descriptions- some are scentless, some even have a rose scent Tulipa x 'Angelique' is a pink double peony type with a good sugary fragrance Native Azaleas have varying fragrances worth investigating. Pieris japonica may be hardy there. Some clones are scentless, others have the Sweet Box scent. 'Valley Rose' is especially fragrant. Grow them like Mt.Laurel Any Osmanthus you can grow will probably have a good scent.I've not found any that did not resemble the Tea Olive. Like the Boxwoods, they need to develop some size to be noticable. One Rosemary that grows in Southern Tennessee Z6 is 'Arp'. Keep it in the ground not in a pot. A favorite in the herb garden at the Botanical Garden here. Bay leaf, Laurus nobilis, larger plants are root hardy in sheltered pockets here, even on the higher elevations which are probably southern Z6. Mulch it deeply or even use a pet water heater? Worth the experiment. Wintersweet, Chimonanthus praecox, would be worth trying. A cousin of the Sweet Shrub, it flowers Thanksgiving to Christmas with a strong familiar perfume scent. One of those expensive perfumes. Mike

Might it be Stream Cliff Farm? They have numerous classes of make and take, and painting. The link below shows the many events that are still open for registration. It is a wonderful place...well worth seeing on a 'day trip'. They have a nice assortment of perennials and shrubs. One year they specialized in lavenders and had 30 different varieties. The one candle light supper I attended was really special. It is one of my favorite garden 'haunts'. Sue Here is a link that might be useful: Stream Cliff event order form

HoosierBred, I will let you know we just went through this entire process about 2 months ago, but we are located in Central Ohio. We went through First Federal of Lakewood, but I think they only service Ohio. It looks like you are going with local banks which from what we have learned is the best route because they offer the most competative rates! Our bank is giving us 1 year to complete our build, we closed on the loan on the 23rd of December. We ended up with a rate of 3.39% and that is during the build and will be our final rate after the home is complete. We wanted to get out of PMI with 10% down so they broke our loan into 2- which is 80/10 thats saving us 300 dollars a month on PMI. With our bank we did have to have a purchase agreement signed and the builder was involved with the financing because they had to have the floor plans and costs and upgrades so they could do a paper appraisal (this was a one time close.) The appraiser actually went to our builders model to see the finishes and the quality of build and our appraisal came in 57k over what we are paying for the home including land. Now also what I have found out is many places charge a higher interest rate during the build sometimes 5-6% because you are paying interest only during the build, and then will lock you in at what ever the current rate is at the completion of the home. I do suggest taking a look at many places and finding out how their programs are structured and then once you find one that works best for you then doing the application! We did look into farm credit, but their rates were higher thank FFL, and they required 20-30% down with a back end DTI of 36% and with our current car leases we were 3% away from that mark. As well we had 20-30% down but we wanted to set asside a bubble for overages and we are also wanting to put an inground pool in and didn't want to finance that portion because a pool really doesn't add much value, other than pleasure. Hope this helps some (sorry I am not in Southern IN) -Clayton

Follow up with them. With the season we are in, it is not uncommon for their dealer to be on vacation or otherwise disposed. Starmark is one of the replacement window in addition to the Insul-Tec, PrecisionWeld, and Envirostar. Oak-Na would be correct.