Having difficulty getting a construction loan? Legitimate credit grantors will not guarantee that you will qualify for a loan, but illicit advance fee loan companies will either promise or strongly suggest that the loan will be provided in exchange for an up front fee. Banks and other financial institutions simply can not risk qualifying you for a loan without extensively researching your credit history and likelihood of being able to re-pay the debt. You should be wary of any loan broker who tells you that the lender can make such a decision by reviewing information you provide over the phone, or that the lender can decide whether you qualify within hours of receiving your faxed credit history.