Some rehab lenders have favorable refinancing programs to convert the rehab loan to permanent 30 year financing.

I am in the process of refinancing.

I think another big miss you had is not refinancing when you could have gotten a sub 3% loan as a primary.

@Jordan Kaylor Using a HELOC to purchase a property and then refinancing into a conventional mortgage is technically considered a cash-out refinance.

Alternatively, refinancing might give you access to some of your equity without completely exiting.

If so, can you transfer without refinancing?? 

my condolences on your recent lost.there are a few ways you can do this, as mentioned above you can take a heloc on your primary residence which will give you a second mortgage, first mortgage payment wont be impacted. you can do cash out refinance which will give you one mortgage and payment. it will pay the old mortgage and give you money in your pocket to pay for the rehab.or you can do a renovation refinance which is similar to cash out refinance but we would contractor involved  as part of the refinancing and they are paid through the loan

It wasnt an easy decision, but he’s now breathing easier with stronger cash reserves.Another thought: refinancing.

if so maybe it doesn't matter but most construction loans would have had to be refinanced twice by now 

Except one thing...2nd: Refinancing isn't free (usually, unless your broker factors it into the rate they're giving you and then it's definitely not "free").