Can you add home addition costs to a mortgage?

• <div><p>You can’t add home addition costs to an existing mortgage, but you can include them in a new mortgage if you take out a rehab loan. Rehab loans—FHA-backed 203k loans and conventional rehab loans—are for more than the value of a property, and the excess is meant to cover the cost of a renovation or home addition.</p></div>

Does adding a garage apartment add value to your home?

• <div><p>Yes, a garage apartment is generally considered a valuable asset as long as the new structure has been legally built. It's important to weigh the cost to build a garage with an apartment against the<a href="https://www.angi.com/articles/garage-conversions-add-valuable-living-space.htm"> cost to convert a garage to living space</a> if you already have a garage.</p></div>

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Q: Can you add home addition costs to a mortgage?

• <div><p>You can&rsquo;t add home addition costs to an existing mortgage, but you can include them in a new mortgage if you take out a rehab loan. Rehab loans&mdash;FHA-backed 203k loans and conventional rehab loans&mdash;are for more than the value of a property, and the excess is meant to cover the cost of a renovation or home addition.</p></div>

Q: Is it more affordable to build or buy a home?

• <div><p>It&rsquo;s almost always more affordable to buy an existing home, especially if the alternative is building a custom home. With that being said, new construction is worth more than a similarly-sized pre-owned home with equivalent finishes. You&rsquo;re more likely to see a healthy ROI if you have a home built and then quickly turn around and sell it.</p></div>

Q: Is a garage considered living space?

• <div><p>In some cases, a detached garage can be considered extra living space, but you will need to gain permission and comply with your local building code. Depending on where you live, you may need permits for a variety of installations, including electrical work, plumbing, and structural work. Many homeowners make the mistake of converting a garage into a living space without acquiring permits, which can result in hefty fines and even the removal of your hard work. Furthermore, a detached garage doesn&rsquo;t add to the livable square footage of your home when it&rsquo;s time to sell.</p></div>

Q: What makes a garage count as living space?

• <div><p>For a garage to count as living space&mdash;and towards your home&rsquo;s total square footage&mdash;it needs to be attached to the rest of your home and have permanent finishings such as proper insulation, finished walls and ceilings, and adequate ventilation. It also needs to be livable at all times of the year, so it should be heated if it gets cold in the winter and cooled for hot summers.</p></div>

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Verified Reviews for Pole Barn Building pros in New London, MO

*The Angi rating for Pole Barn Building companies in New London, MO is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Pole Barn Building needs.

*The HomeAdvisor rating for Pole Barn Building companies in New London, MO is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Pole Barn Building needs.

Last update on November 06, 2025

Reviewed in July 2025
Midtown did a fabulous job building a new deck for me. The team worked very hard each day in the heat and completed the task in three days. Clean up was great and they were patient to answer my questions and concerns. I am so excited to have a beautiful new deck to sit and watch the wildlife...
Midtown Home Improvements, Inc. (St. Louis)*
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Reviewed in December 2021
John and his team put in electric from the pole, underground to a meter box and then to my shed. They also put in lights and electrical plugs inside the shed. The work was done in a professional manner in a timely fashion. Highly recommend this team!!
JK Electric, LLC
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Reviewed in October 2021
Beautiful deck installed by an expert deck builder!
Midtown Home Improvements, Inc (Atlanta)*
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Reviewed in August 2020
This is a maintenance free deck that should last my lifetime. On the higher end of the cost scale but I didn't want wood that would need stained or painted. And I especially didn't want decking material that deteriorates after 5 years. Or discolors and gets covered in mold. Very sturdy...
Midtown Home Improvements, Inc (Kansas City)*
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Reviewed in March 2017
We couldn't be happier with the results. They were great to work with, very professional and prompt. Mike was so helpful, giving us pointers and tips on everything from paint finishes and colors, recessed ceiling paint ideas - this is the stuff you really appreciate when having to build a house...
Hubenthal Painting LLC
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Reviewed in March 2016
We were looking for high quality windows, doors and trim, etc. for our new house. We visited Assured Building Products showroom and were impressed with the selection and quality of the items that they offered for sale. We compared their products to similar/same brand products at larger window...
Assured Building Products LLC.
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Reviewed in March 2016
Had my metal roof replaced and the sides of my barn painted. Jay does a great job, clean, professional picked up after themselves. Pricing was fair and on target. Will use J. Wells for any future projects.
J Wells Construction
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Reviewed in October 2013
Great job! Needed no prompting, worked with builder and electrician fast. Best bid against competition. Thoroughly explained all options with no pressure.
LAKEBRINK HEATING & AC
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Reviewed in February 2013
Gregg was the contractor for our home we just built. He is extremely knowledgeable and gave us many options along the way to aid us in making the best decisions for our budget. Our end result is more than we could have hoped for and I would recommend him to anyone who is thinking about building...
Specialized Property Services
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Reviewed in December 2011
The builder doesn’t listen to instructions, and will only do things his way He does not abide to the contract that we agreed to, and he is also not staying with in the agreed cost. He is being uncooperative with the title company, refusing to give them receipts and lein wavers. He has been...
Rich Graf Construction
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Find Pole barn builders in New London

Duo Builders, LLC

506 S 2nd St

New on AngiNew on Angi

•Approved Pro

Duo Builders, LLC

506 S 2nd St

New on AngiNew on Angi

•Approved Pro

8 years of experience

Free onsite estimate

With years of experience in the construction industry, we are the experts you need to take care of your home or business. We handle all of your remodeling and home building needs with great care. We will treat your home as we would treat our own. Give Duo Builders, LLC a call today, we look forward to working with you!

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Verified Reviews for Pole Barn Building pros in New London, MO

Find Pole barn builders in New London

Duo Builders, LLC

Duo Builders, LLC

Supreme metal buildings

Supreme metal buildings

C to I construction

C to I construction

Excaliber Destany Landscaping and contracting

Excaliber Destany Landscaping and contracting

ACO Do-It

ACO Do-It

First Class Roofing& Remodeling

First Class Roofing& Remodeling

Mint Service Contracting

Mint Service Contracting

Martin Structures

Martin Structures

D. J. Miller Construction, LLC

D. J. Miller Construction, LLC

Chris Wolfe construction

Chris Wolfe construction

The New London, MO homeowners’ guide to pole barn building services

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