The final stage for Lyon to pay the final payment on my loan was after plaster. That is what they considered completed. Yes I had to agree but the milestones are written so vague that there is no way to argue them. There is still a lot that can go wrong that you may still need leverage on. Fortunately my builder was good and I didn't have any issues that needed dealing with.
4 years ago when we used Lyon, it was through Enerbank. We paid it off early, after 2 years, with no penalties (that I can remember).
--Jeff
