You are finally done. The last brushstroke of paint has dried. Congratulations! You can now move into your home!

In order to move into your home, you'll have to acquire a Certificate of Occupancy from the city or county building inspectors. In order to get this, your property will be subject to one final inspection. Hopefully it will pass with flying colors, and you'll be good to go!

Now it's time to attend to your house's financial details. If you chose a all-in-one loan, you are ready to roll it into a permanent mortgage.

Did you know? You'll need to have paid all of your workers in full before you button up the financial details of your home and move into it. Otherwise, workers can attach liens on your home, which will make financing impossible.

The rollover is simple, but you'll still need some paperwork on hand. You'll need:

• The final draw request. This is the money your lender puts aside until the house was complete, and is usually about 10 percent or so of the loan.
• Final lender inspection. This is the final inspection done to ensure that all the work was done according to plan.
• Copy of the Certificate of Occupancy.
• Lien releases. All subs and contractors will have to sign releases stating that they have been paid in full.
• Verification from the title company. So the lender knows that the property is still yours.
• Your Homeowner's Insurance policy.

Depending upon the loan program you chose and your lender, once you furnish these papers you may have the option of changing your interest rate or loan program.

Once your loan is rolled over congratulations, you are officially done with the home building process. Now all you need to do is keep an eye on rates and loan programs. If a better deal comes along, you may want to refinance down the road. In the meantime, enjoy your new home!