try another bank Regions does construction loans in FL. that's who we were gonna use. construction loans are very risky for banks. they need to know every thing. Also they will check on the house progress before draws are paid.

What a pretty piece of land!!! And since you have a corner lot you have all sorts of options regarding exactly which way to face your front door! On the other hand, because of the corner lot, you're also going to want both facades that face a street (south and west) to be "pretty" enough to be a front elevation. You won't be able to get away with thinking "well, this is the side of the house so if it doesn't look terribly well balanced, well, no one will ever see it anyway...." In fact, it appears as if people will also be able to look across the pond and see the east face of your home from the road as it curves back around the pond. So even that side can't just be left "plain" like one sees with the back and sides of many tract houses. So, all my comments remain tentative until we see the upstairs and basement plans and can start getting a sense of what the exterior elevations will look like. LOL! With either option, you should bear in mind that if/when you have children, it is going to be a long hike from the master bedroom to the bottom of the staircase and an even longer hike to junior's bedside when he wants a drink of water in the middle of the night. Other than that tho, as far as the floor-plan goes, both options look pretty livable although there are a few minor tweaks I would recommend. Eg., with both options I would suggest swapping the locations of the toilet and shower in the master bath. You don't want noise from the toilet waking your spouse up in the middle of the night so it is better not to have the toilet up against the bedroom wall. I'd also personally prefer having the vanities on either side of the tub instead of shower and toilet because vanities don't "box in" the tub as much as a shower unit and the walls of a toilet room. I think a garden tub looks prettier when it is more "open." In my mind, boxing a garden tub in with shower and toilet room walls recreates the typical "alcove tub" found in every tract house in the country. On both options I'd probably also want to reposition the powder room a little bit. It isn't terribly bad where it is right now but I feel like you would still have a little bit of a view of the toilet while standing in front of the kitchen sink and that would bother me. On both options, I'd definitely make the island a little bit smaller so that the aisleway between kitchen sink and island was wider. Since you might have someone squeezing past to reach the master bedroom while you're washing dishes (even tho there is another way they could go!) I would want 4.5 feet of space there. On both options, I'd probably want a second door directly from garage into the pantry in order to avoid the walk around carrying groceries. On both options, you have a "door conflict" between the closet door outside the laundry room and the laundry room door. On both options, the master bath area/master closet area is HUGE. If you find yourself needing to cut some square footage, I'd start there. BTW, I'm curious as to whether the square footage of either option is anywhere near the 2500 sq ft max you mentioned on your earlier post? I like the two double garages of option 2 but would want a man-door somewhere on that side of the house to make it easier to access the detached garage. I'd also want a man door into the detached garage. Who wants to have to open two garage doors to get to a car parked in the detached garage? I think I prefer the location of the office in option 1 to its location in option 2 and I know I prefer the larger front porch on option 1 to the small front porch on option 2. I suspect the front facade of option 1 can be made to look nicer than the facade of option 2 which, to me at least, seems out of balance with the office sticking out almost in the middle of the house but not quite. I like the u-shaped stairway of option 2 better than the C-shaped staircase of option 1 but wish there was someone to turn it so that you could have the landing up against the exterior wall so you could have a landing window. On both plans, I don't like that the only way to reach the powder-room from the office, lving area or dining room is to walk right thu the kitchen. Just my 2 cents. I'm sure you'll get opinions from lots of others.

Maybe the door would be good in red? But I always think that. Still.... Or how about a teal or soldier blue door? It's a cute, cute house. Maybe that horizontal rod going across the storm door is removable. I've had storms like that. If you could take the cross piece off, it would let the nice wood door show better. And the light that awmo3 posted would look great on your house. A variegated red-twig dogwood would be good, maybe on the left hand corner. They have nice bright red stems in the winter. (Oh-oh....there I go again with the red.) I'm in zone 4. My dogwoods are the nicest color I can have in the winter. Otherwise it's pretty blah in the middle of winter. You might also consider some Annabelle hydrangeas. They are so pretty in the summer and have a nice old-fashioned look. If you want to, you can leave the big pom-pom flowers on all winter and cut them back in the early spring. The blooms turn rusty brown color and it gives you something out there in the winter. And also one or two small evergreen shrubs would be nice out there so you have some dark green color during the winter. Then plant some daylillies and some asiatic lillies for summer color. If you expand those planting beds out a ways so they are deeper, and make them a curvy shape, that will add to the look too. If you leave the stained porch as it is, you could get some golden or medium brown cedar mulch for the garden and that will tie the porch color into the landscaping.

Hmm. Well, I would paint the walls a lighter white-ish color. That wall color is too dark. I would remove the wall shelves. I would remove the stuff on top of the table and put one large item in the center (something from the "living" family .... a vase with faux greenery in it for example). I would put down a round area rug with a washed out vintage look under the table and chairs. I would get a rustic piece of furniture to put on the wall to the left of where the shelves are now. And then I would install open shelving above it with your kitchen items stacked. I would paint the table and chair legs a distressed white color.