Getting loan for a new custom luxury home is not the same as getting loan for buying a home which has already been built. It is not a single all-inclusive loan which is sufficient for a custom home. You need to get three separate loans. You need to get property loan, construction loan and a mortgage loan.
Finding the right loan program can be a long and time consuming process. You should look beyond banks for finance. You can also seek loans from private financial institutions as well. You might have to discuss with the managers of the financial institutions or banks to discuss about customized loan options for your new custom luxury home.
While discussing with the managers of the financial institutions, you need to keep in mind that they would be keen on protecting their investments. So, you need to be patient and smart during the discussion. You need to negotiate hard to keep the interest rates down.
You need to make sure that your credit history is clean. Otherwise, your discussion with the managers may not go well.