To Whom It May Concern, In 2005 my wife and I approached WFHM for a residential construction loan. We went through a rigorous application process, met their criteria and were ‘approved’ for a ‘Construction to Permanent’ loan. As advertised, the ‘Construction to Permanent Advantage’ loan is a loan that would initially finance the home construction, which after completion would then be converted into a permanent ‘long term’ loan product that is chosen prior to the mortgage closing. We closed... read full review »