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Hey!!!! I just learned we are finally getting the loan for our construction. The loan officer finally called MIL and said things got held up at the underwriter's. Also, the payments will be lower than originally thought. A 30 year, fixed rate of 4.37????% for $499.38 per month. This is on $100,000. That will pay off her existing 2nd mortgage and allow us to convert the garage and buy a storage shed.