What’s a “normal” length for construction loans these days?

dwilliams51 · 2025-10-09T00:47:25Z

Trying to wrap my head around what’s typical for construction loan terms. I’ve heard everything from 6 months to 2 years, and honestly, it’s a bit confusing. If you’ve gone through this process, how long did your lender give you to finish the build? Did you have to ask for extensions, or was the original term enough? Also, do lenders usually let you roll it into a regular mortgage after, or is that a whole separate headache? Thinking about building next year but don’t wanna get stuck with a super short timeline and a bunch of fees. Any tips or stories would be awesome—especially if you ran into any surprises with your loan terms.

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