- Change Orders - Any change orders that are not given to the loan officer prior to the mortgage closing will not be incorporated into the draw schedule. The borrower will be responsible for any change orders to the home package or construction contract.

- Freight - Freight is the cost of shipping the home package from the manufacturer to the borrower's job site. Freight that is not included in the manufacturer's contract is the sole responsibility of the borrower.

- Sales Tax - Depending on what state the borrower is building in and what state the home is purchased from, sales tax on the home package may or may not be included in the contract. If sales tax is not included in the home package contract, the tax is the sole responsibility of the borrower.

- Finalizing Disbursement Schedule - Upon completion of the disbursement schedule, both the borrower and builder/contractor are asked to review and approve the disbursement schedule.

- Disbursement Revisions - Changing the disbursement schedule before initial settlement is acceptable with the approval from the lender's construction department. Revisions after initial settlement are also subject to the approval of the construction department. Changes after initial settlement are discouraged and not easily approved. The borrower is encouraged to thoroughly review the disbursement schedule with the builder/contractor prior to the start of construction.