is a construction loan harder to get than a mortgage 
construction loans generally involve more paperwork require higher down payments and charge more interest than mortgages at least they re short term for a year rather than 20 or 30 years note that many loan applicants apply for both the construction loan and the mortgage home at the same time and at the same bank once the home is completed the construction loan is converted into a long term mortgage the bottom lineif you want a unique home and don t possess a fortune in cash a construction loan could be an answer to your dreams to qualify however you must be prepared to prove to a bank that you have a complete project plan in place and a qualified contractor to carry it out 