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Hello,Wells Fargo does still have a one time close construction loan, However, in this particular situation it would not work for you. Even though we have the express home construction program, you would still be required to verify current paystubs and employment verification at the time of permanent finance conversion. Basically the loan allows you to lock the rate in for 1 full year while you build. In most cases we are fine if someone has a job change in the same field, it is the new self employed status that is going to hang you up. I agree with Carl that you may want to purchase an existing home now and live there for 2 years and then build your dream home.
Sorry, I know that is not what you wanted to hear.
Best of Luck!
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