One of the biggest mistakes we made when we decided to have our house built was to listen to the builder who stole from us when they recommended a mortgage company. My husband said that the said company is probably one of worst out there. Needless to say, we cannot wait until we get rid of this company. The only thing we can do that is by paying off the loan when we hit it big with the lotto [ahem!] or start looking for other mortgage lenders as soon as possible. Since there is a very slim chance we’re ever going to win the lotto, I’m betting we will be doing the latter. So aside from my plan of buying some lotto tickets in the future, we are also doing a lot of research as to which of the numerous lenders out there we can get on with. How I wish we did this the first time around...then we'd probably on a much better situation today.