First off, thanks for you help! I am planning to do a reno to my house and so need to obtain a construction loan. But I also currently have a mortgage on my house.Wondering if there is a particular type of construction loan that will also refi my current mortgage and what type of lender I should be looking for. Also do I need to engage an architect and have plans/GC contracts/quotes in place before engaging the lender?Current mortgage has $280k remaining. Total reno will be $230k, and I am wanting to pay about $100k of the reno in cash and use the construction loan for the other $130k. Credit score of low 820s and $170k annual income.Thanks!