I'm not sure how to enter the numbers into APRWIN for a construction loan with an interest reserve account. The finance charge comes back as understated by more than $1,000 and the APR by about 0.09%. I know the APR is within tolerance but usually they both (APR & FC) come back right on. Al - I used your excel worksheet and it came out just right. Any help with APRWIN for this transaction would be appreciated.