It seems like the financial institutions are slowly loosening up and loaning money again. Terms are going to be more restrictive and requirements more stringent but it is happening.
For planning purposes, it generally takes three to six months to process an owner/builder construction loan. It can sometimes be done in less time but it is normal to spend several months in the process.
If you want to build this year, now is a good time to start the process.
Dost thou love life? Then do not squander time, for that's the stuff life is made of.
Benjamin Franklin, 'Poor Richard's Almanack,' June 1746
US author, diplomat, inventor, physicist, politician, & printer (1706 - 1790)