Construction-to-Permanent Tips from Real Homeowners
Building a Home? What Homeowners Wish They Knew During a Construction-to-Permanent Loan
Building your dream home is exciting, but the process can also feel overwhelming. From budgeting and timelines to builder relationships and loan details, there are plenty of lessons that only come with experience.
To help guide future homeowners, we surveyed AgSouth Mortgages customers who recently went through the construction-to-permanent home loan process. Here’s what they shared, in their own words, about what they wish they had known, what they’d do differently, and their best advice for those just starting the journey.
Key Takeaways
- Budget for more than you think—hidden costs will pop up.
- Expect delays—weather, contractors, and permits can slow things down.
- Choose your builder wisely—and communicate constantly.
- Stay flexible—patience makes the process smoother.
Budgeting for a Construction-to-Permanent Loan: What Homeowners Learned
Q: What do you wish you had known about budgeting before building your home?
“I wish I had known how many small details and decisions would come up each day during the building process, because it can feel endless at times. Even with a solid contract in place, delays and schedule changes are almost guaranteed. Budgeting extra for unexpected costs isn’t just a good idea, it’s essential if you want to avoid stress down the road.”
— Andrew S., Laurens, SC
“Determine your budget and stick with it! The most important thing is being realistic about what you can afford, because upgrades and small add-ons really add up.”
— Regina S., Iredell, NC
“Permits and surveys take TIME—more than you think. Starting those early is critical. And don’t forget that things like working with the power company add costs and delays too.”
— Regina S., Iredell, NC
“We got off schedule and took longer to build because we didn’t use the subcontractor our builder recommended to clear the lot. That choice set us back six weeks and added costs.”
— Cynthia P., Iredell, NC
“You think the builder’s price includes everything, but it doesn’t. Appliances, landscaping, and window treatments were extra and added up quickly.”
— Brice D., Union, NC
“Have a contingency fund of at least 10–15% of your build budget. It gave us peace of mind knowing we had a cushion when surprises came up.”
— Kelly R., Newberry, SC
Construction Timeline Expectations: How Long Does Building Really Take?
Q: How did the construction timeline compare to your expectations?
“Be patient. Weather and materials slowed us down, but the end result was worth it.”
— Andrew S., Laurens, SC
“We were told 8 months, but it ended up being closer to 12 because of supply delays.”
— Tony H., Lexington, SC
“We got off schedule and took longer to build because of our subcontractor choice. It really opened my eyes to how small decisions affect the entire schedule.”
— Cynthia P., Iredell, NC
“The permits and surveys take longer than expected. I wish I had known that up front.”
— Regina S., Iredell, NC
“There are so many details and approvals that take time. Don’t plan your move-in too tightly around the original schedule.”
— Ashley G., Oconee, SC
Construction-to-Permanent Loan Process: What Surprised Homeowners
Q: What surprised you about the construction-to-permanent loan process?
“How easy and smooth the process would be. I dreaded it, but looking back, it wasn’t bad at all. Our loan officer was an answered prayer—knowledgeable and always willing to help.”
— Brett L., Lancaster, SC
“The amount of paperwork! Keep everything organized—it makes life easier.”
— Samantha B., Union, NC
“Our loan officer walked us through each step, which gave us peace of mind.”
— Kelly R., Newberry, SC
“I wish I had known more about the septic system requirements ahead of time. It ended up being bigger and more expensive than expected.”
— Randy B., Lincoln, NC
Want more details about the process itself? Check out our blog: The Best Answers to Your Construction-to-Permanent Loan Questions.
Lessons Learned: What Homeowners Would Do Differently When Building
Q: If you could go back and change one thing about your build, what would it be?
“Kept the bonus room as planned. We didn’t think we’d ever need the extra space, but after living here a few months, it would be nice to have.”
— Brett L., Lancaster, SC
“If I could go back and change anything, I would focus more on slowing down and not feeling rushed. Some choices, like finishes or layout tweaks, feel small at the time but really impact daily life once you’re moved in.”
— Andrew S., Laurens, SC
“The siding—we still like the look, but we paid extra for the pre-painted option and it still needed painting. Sometimes the upgrade isn’t worth it.”
— Cynthia P., Iredell, NC
“I’d add more storage space. Once you move in, you always wish you had more.”
— Ashley G., Oconee, SC
“I would have spent more time double-checking details early. Fixing small things later is stressful and costly.”
— Kelly R., Newberry, SC
“We rushed some design decisions. Next time I’d slow down and think them through.”
— Tony H., Lexington, SC
Plan Smarter for Your Home Build with AgSouth
The homeowners we spoke with all agreed: while building a home is never without challenges, the rewards outweigh the stress. By budgeting carefully, preparing for delays, choosing the right builder, and staying flexible, you can make the process smoother and more enjoyable.
Questions about construction to permanent home loans? Fill out the contact form below.