Construction Loan Nightmare

My construction loan matures in 2 weeks and my builder has not even applied for permits. I have hired an attorney to deal with the legalities but find myself needing to either pay off my construction loan or refinance it. I decided to just purchase a home and build later but have been told that no bank will add the 30k from that loan to a new purchase. I thought that if I used my property as collateral it wouldn't be a problem. Does anyone know of any options aside from getting a personal loan?

Sorry, but this is an Irish financial discussion website, so is unlikely to be of much use for someone who appears to be based in the USA.