Do NOT get a construction loan with this bank. even though it is Texas State law AND we signed the appropriate paperwork, Rbank failed to withhold the retainage because THEY overlooked the paperwork. Also, dealing with the bank loan department is frustrating. At first, we were told that the retainage wasn't withheld because it wasn't in the builders contract (the builder signed the retainage paperwork also), then we were told that they don't usually include that page in the closing docs, then it was out fault, etc. Also, tried to get a face-to-face appointment to discuss this and more, but was unable to get a date. I gave two weeks of days and times that I could meet, but email after email of "I'm really busy"", "what do you want to discuss", etc. (I also in two different emails listed what I wanted to discuss). I could never get a date from them. not one that I had suggested or an alternative date that would meet their schedule. but according to them I was not "denied" a meeting. If you can't ever get a date and time after email after email over several days, doesn't it result in the same thing? No meeting. read more