This feels so much better. For one thing, the rate on a conventional mortgage is what the market is offering rather than the high interest a construction loan uses. Also, on a construction loan all you pay is interest so it just builds up without any pay down of the amount owed. The transfer was treated as a re-finance so I had to do a closing with title search, etc all again.
And, with the weather so hot and dry, there is no rush to get landscaping done now. I can put that off until fall and really know what should be mulch, what should be foundation planting, and what needs to be crushed rock. In other words, I need a design but I can take my time and get something pleasing and functional.
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