Well, we turned in all the required documents to the city- what a relief! Then we find out the setbacks on the property are at 20 feet, not 15 feet like we had been informed. Great. So back to the architect- back to step one. Back to the lot surveyer. Back to some re-bidding on the deck... BUT we were able to move the house a bit, crop the deck and now we're back on track again. (not for free, but not as bad as it could have been!) 
We are almost ready to apply to the bank for our Construction Loan! Woohoo! We are submitting samples of our finishes, so the appraisial hopefully is higher. Here are some pics of our finishes, but they don't do them justice.
Bathroom finishes- big tile is floor, medium is shower/bath walls, small is accent- there will be two vertical stripes of the small glass tiles by the bath- floor to ceiling.
Wood floor throughout, carpet in dining and bedrooms, wood cabinets, tile backsplash and textured laminent countertop with bullnose edge.
...tick tock...tick tock...tick tock... = waiting on the city and the bank! Then we DIG.
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