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Last update on November 10, 2025

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Home Building questions, answered by experts

Framing tends to be the longest step in the construction process, especially for larger homes. It takes anywhere from one week to a couple of months, depending on the house size, the number of people on the construction crew, and the time of year. The design stage often takes a long time, too. Some people spend months or even years contemplating their house’s size, layout, and materials before construction begins.

While some highly experienced homeowners can frame a house independently, it is not advisable. You will need ample carpentry experience, a team of helpers, and professionals to sign off on your work to meet local building codes. For the safest outcome, we recommend buying or building a house with the guidance of professionals.

Yes, most general contractors require a down payment for project completion. A reasonable down payment for a contractor is 10% to 25% of the total project cost, though that will vary based on project size and location. The down payment helps cover the upfront costs of materials and permits and helps ensure payment for the project at hand. 

The term “cottage” is subjective, so there’s no rigid definition, but it generally refers to a small home with simple and purposeful architecture that embraces nature and focuses on charm over everything else. Cottages are typically 1 or 1 1/2-stories tall, usually with gabled roofs, and are built out of natural materials that help make the structure a part of the surrounding nature rather than something that stands out from it. A big part of what makes a cottage a cottage is the decor, which includes natural materials from the nearby area.

The construction stage, which includes pouring the foundation, framing the structure or building the walls if you choose a concrete house, and installing doors, windows, a roof, siding, drywall, and flooring, will almost always take the longest. The planning phase can take just as long if you’re building a custom home, but the finishing process, which includes painting, installing trim, and finishing the interior, will rarely take longer than the previous two phases.

The Elbert, co homeowners’ guide to home building services

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