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Financing Options for Cob House

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Hi friends,

I apologize if this has already been addressed in other threads. I looked around but didn't see anything directly answering my question so here it is...

Has anyone found a financing option to build a cob house other than a personal loan/credit cards/cash? My partner and I are looking to build our first home and have only heard "no" from all bank lenders who would normally offer construction/mortgage loans. This is because of the "unusual" nature of cob homes, as you all are familiar with. In an ideal world we would find some small company who likes the "unusual" and would help us fulfill this dream of ours, but my searching has come up empty. So you lovely people are my last stop!

Open to any and all advice
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We have choosen to purchase land and build our sandbag home in the White Mountains of Northern Arizona.  In the 2 small towns close to us are 2 small banks, not national ones, and both have said they will finance the build.  We are in Apache County, which welcomes people who want to build using alternative materials, and have already set in place the rules and regulations that need to be followed for each type of build.  I would suggest that you start looking for a small bank that is willing to invest in their community.  They do exist, but, like you, we heard a lot of no's before we heard a yes.
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