yup but the banks are being stingy right now.. I am in the middle of building a house... been in the works 3 years... got the construction loan that was suppose to roll right into a 30 year fixed... paid all closing costs up front... now we are near the end of the project and the bank wants to reneg on the loan... its nuts out there if you need financing... just go ask circuit city or the countless other businesses closing their doors.