Abstract: A comprehensive fully integrated adjustable risk mitigation system used for managing a construction loan. The mitigation system includes a communication network computer with website for communicating with a construction lender, via the internet, for receiving plans for a proposed construction project and for displaying documents, related applications and the like to the client and to stakeholders. The network computer includes Audit Application Software for creating an audit application with proprietary business rules and metrics for an analysis of the construction project. The Audit Application Software is also used to generate a completed construction audit application declining or recommending the construction loan for review by the client on the website. The network computer also includes a local area and wide area network web server software programmed with adjustable, updated state statutory requirements pertinent to setup of a construction loan.