We needed our main beam in our house replaced (we where told). When we did the first contract, (I can not find mine, and he says it is the one from where I rcvd the loan). A majority of the work was found not to be needed. I do not believe that we should have to pay him the whole amount, Also, the first estimate was for 15700.00 and with the contractor we decided to push the loan up to 20,000.00 (verbally) so if there were any complications we would have it covered.