Loan after self funded construction completed (Purchase of Refi)

[Roy Smith]

We have built a custom home for which we used our own funds. We now want to get a mortgage on the home to get some of the funds out of the home. I am getting conflicting information on whether this would be considered a purchase loan or a refinance. Does anyone know?. The rates are lower on purchase loans. We moved into the home as soon as it was completed. Thanks in advance for any help on this.