Foremost, I am very appreciative of the information, sharing, and open communication on this site. I recently purchased a lot of almost 7 acres, and in time I would like to construct a pond. If anybody can recommend a contractor in the Houston/Montgomery County area I would appreciate the information. In an attempt to contribute to this great site, I want to share some financing information that hopefully could be valuable to someone. After multiple phone calls to lenders, I discovered the best competitive rates at the Houston Federal Credit Union and WoodForest Bank. Both banks serve the Texas, Montgomery County location.