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Jay's Construction
3.7(
11
)
Find a Custom Home Builder

Serving Clay, MI and surrounding areas

In business since 2012

Free estimates

Credit card accepted

"I had multiple small things needed. Deck,repair and seal,yard regrade and grass seed, partial fence replace and new gate,rocks placed around garage. Jasen and his team did an excellent job. He was very helpful and made sure I was satisfied with each job as it was done. Very professional and timely. Left no mess. Reasonable price."
Recommended by100%of homeowners
CW Construction
5.0(
2
)
Find a Custom Home Builder

Serving Clay, MI and surrounding areas

"The project went really well and I'm super stoked. Some of my ideas changed as we went through the quote and planning process and Charlie went along with my ideas and gave me feedback. My driveway and yard are exactly how I wanted them. I have an amazing tiered front porch, new side patio and steps, and expanded driveway on both sides. I'm super happy with the work and how everything turned out!"
Recommended by100%of homeowners
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Custom Home Builders questions, answered by experts

The average cost to renovate or remodel a home is $52,300, with most projects ranging from $19,500 to over $88,400. However, costs can vary significantly, from as low as $3,000 for a small project to $170,000 or more for a complete home remodel.

Several factors influence the total price, including:

  • Project Scope and Size: The extent of the renovations, whether it's a single room or the entire house.

  • Location: Geographic location affects labor and material costs.

  • Materials: The quality of materials chosen.

  • Room Type: Kitchen remodels ($14,500 - $70,000+) are generally more expensive than bedroom remodels ($1,500 - $5,500).

  • Other Factors: The time of year, complexity of the work, and any additions or expansions.

On a per-square-foot basis, you can expect to pay between $15 and $60 for standard projects and up to $150 for luxury renovations.

Examples of specific project costs include:

  • Basement remodel: ~$20,200

  • Garage remodel: ~$27,900

  • Loft conversion: ~$20,200

  • Disability accommodation remodel: ~$4,300

  • Major home repairs: ~$11,700

If you are financing the project, note that some loan programs, like the FHA 203(k), may require a minimum project cost (e.g., $5,000) and will necessitate a home appraisal and professional cost estimates. Using a home renovation cost estimator can also help you budget for your project.

Yes, you can finance cottage construction through several options. Construction loans provide funds in stages as work progresses, while home equity loans or lines of credit are available if you have existing property. Some lenders offer a combined construction and permanent mortgage. Always review loan terms and payment milestones before committing.

A construction-to-permanent loan is the most common type of mortgage used to finance a house teardown and rebuild. These loans include financing for construction costs and convert to a long-term mortgage once construction is complete. Check the terms of the loan closely before beginning work—there are often restrictions requiring you to use licensed contractors for all work.

Start by researching local contractors with experience in cottage construction. Ask for references, check licensing and insurance, and review completed projects. Compare multiple bids, making sure each includes the same scope of work. A good contractor will communicate clearly, provide a detailed contract, and ensure all work meets code and safety standards.

Typically, architects do not build homes in a hands-on sense of doing the actual framing, roofing, or other building. Architects usually do not have the training and experience to build the homes they design. An architect would need to know how to do the specific trades required to build a house, which is possible but not a common practice. A general contractor or homebuilder typically oversees the actual details of building the house that the architect designs.

The Clay, MI homeowners’ guide to custom home building

From average costs to expert advice, get all the answers you need to get your job done.