Well that is a story...Spoiler alert all is going well buuuuuuuut.....
So first off I am an engineer and make good money. So I understand these are all first world problems but here goes.
Building a home is very complicated to put it simple. I am not rich so I am doing it the hard way. I am financing a construction loan that is big enough for the property too. I am not buying the property first and then building on it. Now I probably could afford to do it normally if I wasn't going for a plot of land that is just down right unbelievable. But this is our dream home.
Anyway the whole process is fraught with catch 22's and circles of insanity. Fundamentally you need to get all the bids necessary to the bank for everything so they have a firm price for the build. That way they can asses risk. It took forever. Painters are the worst. I had to pay $250 to get a bid. No one would bid the job. They know you are just getting the bid to finance the loan and will paint your own home. So they wont waste time bidding. So it took weeks to get bids. I had an excavator out at the sight and it took 4 weeks to get the bid out of him after that. All the construction folks are slammed right now.
The list goes on forever. I was trying to hold down my job and put in 4-6 hours a day calling people and getting through stuff. About 2 weeks ago I got everything in and could take a breath.
Literally yesterday the bank says we need the last 2 months of you retirement funds and bank statements again. And today they ask for more stuff but this time I am assured it is the final time. (I know I make more than enough and have more than enough equity but they have to do this dance).
All the while I need to make sure the well passes testing. Which it never did. The story on the well I can't begin to go into but the current owner is out there fixing it now. I need a good well on record with the state before the financing goes through as they wont finance poisoned land. The land is supper pristine (Practically up on Mt Hood) and will have no problems but boxes must be checked.
So up till recently I had a second job doing all this and I am literally withing days of being able to step back. Well that just means I have an open construction loan I have to pay on till I can convert that to a mortgage and I have to sell my home. Yeah that gets expensive and complicated but that is next summer.
But maybe in a few weeks the land is mine and I can start digging trenches.