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  • Average homeowner rating star icon3.9
    Average homeowner rating
  • Verified reviews icon40
    Verified custom home building reviews

Top-Rated Custom home builders in Clay - Updated Nov 2026

Avatar for Choice Home Warranty
Choice Home Warranty
4.0(
5,678
)
Find a Custom Home Builder

Serving Clay, MI and surrounding areas

In business since 2008

Emergency services offered

Credit card accepted

"Bruce Dixon was very nice and helpful in providing exceptional customer service and making sure I had the best experience. I purchased my home warranty and feel confident in the choice I made. Thank you Bruce. Sincerely, Kimberly"
Recommended by81%of homeowners
Avatar for American Home Shield – Home Warranty
American Home Shield – Home Warranty
3.5(
5,689
)
Find a Custom Home Builder

Serving Clay, MI and surrounding areas

In business since 1971

Credit card accepted

"The technician did an excellent job. It did take a while to get the repair finished, but that was due to Bertazzoni delivering the parts. I have had multiple problems with this particular appliance. My range now works better than it did when new, but I have a feeling that even if I have continuing problems with it, American Home Shield will just repair rather than replace due to the cost of the range. By the way, I'm not exactly sure of the date of the repair."
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Recommended by65%of homeowners
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
Showing 1-10 of 20
Custom Home Builders FAQs, answered by experts

Yes, you can finance new construction, though the process often requires a different type of loan than one for an existing property. There are several financing options available:

  • Construction-to-Permanent Loan: This is a common option where a single loan covers the building costs and then converts into a traditional mortgage once construction is complete and you move in.

  • Construction Loan (Stand-Alone): This type of loan provides funding only for the duration of the construction project. Once the house is built, you will need to pay the loan in full, typically by securing a separate, standard mortgage.

  • Builder Financing: Some custom homebuilders offer their own financing options, which may only require a down payment to begin the building process.

  • Bridge Loan: This can be a useful short-term loan to fund your new construction while you are in the process of selling your old home.

  • Home Equity Options: If you are building a second home, you might be able to use a home equity line of credit (HELOC) or a cash-out refinance on your current property.

It's also important to be aware that some lenders may have restrictions on financing for DIY house builds, so be sure to verify that you can secure financing before starting your project.

Modular homes are cost-effective, energy-efficient, and faster to build than traditional homes. They also offer customizable designs.

A green home is one that focuses on conservation, with the goal often being net-zero carbon emissions and self-sustainability. It will often include some kind of self-generation equipment, like solar panels or a small wind turbine, high-efficiency electrical components and mechanicals, and high-quality insulation and air sealing to reduce the loss of conditioned air. Many green homes also include xeriscaping or rainwater collection to cut down on drainage and water consumption.

A-frame homes are on the smaller side. While there’s no set square footage amount it has to be, it will usually come in around 1,000 square feet or smaller.

Whether it’s more affordable to gut a house than build a new one depends on the markets where you'd be buying and selling. However, it’s usually less expensive to renovate a home than to build new construction. 

Most homeowners pay between $100,000 and $200,000 for demolition and remodeling costs, whereas the average cost to build a new home is between $139,000 and $531,300.

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.