Construction/Rehab Loan

Buying a fixer upper as primary residence. Need loan. Here are details:

Location: South Central LA

Purchase Price: 245k

After Rehab Value: 450k

$ Amount Needed for Repairs: 150k

House Info: 5bed 3.5 bath 2650 sq ft slab home

Total amount of $ in project: 395k

I can come up with 80k or 20% of total value of home. Would like to finance the sale of the home and then do a 150k line of credit on the rehab as it may not need that much.

What bank/credit union do I need to be talking to?

First local mom and pop bank has me on a 1 year construction loan at 5.58%. Payments start 30 days after close. My biggest hangup is closing costs are astronomical: almost 12k.