. The house won't start construction for a couple months. At this moment, prior to signing with our builder, I'm slashing the construction budget to fit within our means. We'll pay for good insulation, roof, hvac, etc., now and apply the stone later. We definitely will leave a ledge for the future stone work. I'm surprised that the bank will allow us to leave exposed block. In these days of hard-to-get mortgages, WellsFar/Wach has tormented us to death with requirements and stipulations and I don't want to leave anything to chance when we build. I've already had to strip crown molding and wainscoting out of the budget.
I WILL have stone...but it has to be after we get the occupancy permit. But I don't want to pester them with questions about what I can postpone from doing with "their" valuable property...it might cause them concerns (delays). I need
to have a back up plan in the event they balk against leaving exposed block. Again, thanks for weighing in with your experience.