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  • Verified reviews icon66
    Verified custom home building reviews

Top-Rated Custom home builders in O Fallon - Updated Nov 2026

Avatar for Terbrock Remodeling & Construction
Terbrock Remodeling & Construction
4.4(
78
)
Find a Custom Home Builder

Serving O Fallon, MO and surrounding areas

Approved

In business since 1950

Free estimates

Warranties offered

"Everything went great from start to finish - I'm very pleased with the experience and their work! I wanted a general contractor type of company that could come in and just take my hand-drawn vision on graph paper to a fully completed project, and that's exactly what they did! I wanted to not have to worry about coordinating different contractors to do pieces of the work and have to babysit the process, worry about workers not showing up and throwing off the rest of the schedule, and have things drawn out over months and months, like we had done upstairs. My husband and I knew the kind of company we wanted would come with a higher price tag than patchwork contractors, which it did, but it was well worth it for the headaches and time they saved me!! They were always on time, highly communicative (which is very much appreciative and not always present in the construction business), and very pleasant to work with! They didn't even blast music like most construction crews, which made for the best possible experience having others in your home every day for several weeks. Even minor sticking points we ran into (couple of wrong parts ordered, door & schedule changes, etc.) were no big deal to hash out. Everyone always made time and was patient with answering my questions and addressing requests or concerns, which was awesome. Even when I was laid off after signing the contract and needed to find more work in a tough COVID-19 market so needed to delay the start date, Tom worked with me. They made sure we're 100% satisfied, which we very much are! The quality of work is great, and everything looks amazing as you can see in the photos below!"
Kitchen Transformation
Anchor Bend Estates
Anchor Bend Estates
Anchor Bend Estates
Additional Photos

+20

Response rate100%
2 neighbors recently requested a quote
Recommended by87%of homeowners
Avatar for Ethos Building Group, LLC.
Ethos Building Group, LLC.
3.0(
2
)
Find a Custom Home Builder

Serving O Fallon, MO and surrounding areas

Approved

Credit card accepted

Customers say: True professional

"From the beginning of my project in January 2024, I have never regretted my decision to choose Ethos Building Group LLc. Jeh Johnson and his partner Tracy Herod have worked diligently to execute the itemized proposal that began this project to rehab, restore, and rebuild my home at 607 Wilmington ave. St. Louis MO 63111. An incredible number of tradesmen and tradeswomen have done their individual tasks all on a schedule professionally overseen by Jeh. These liscensed and masters of their trades worked alongside Jeh who if necessary stepped in and aided e these individuals. His overall expertise has brought my home to this point. One must keep in mind that a burnout like my home is an unusal job for Ethos Buildig Group LLc to accept. Yet at every stage my home has been given the same careful and thorough attention as their larger jobs. And despite some push back with my insurance company every thing has proceeded smoothly and orderly manner given the inevitable supply chain delays. Jeh Johnson is an affable young man who has facilitated all phases my prject and has even taken time to educate me on all the intricacies involved in a project such as mine. I cannot think of any single word to describe my experience with Ethos Building Group LLc but the forgoing will have to suffice. Thanks you for your kind attention. Stay safe and make a point of telling those who you find dear just what they mean to you."
Builders - Garages/Barns/Sheds Project
Insurance
Clayton Basement & Addition
Bath / Walk in Shower
Egress windows

+43

Response time1 day
Recommended by50%of homeowners
Avatar for Bizzy Beaver Contracting
Bizzy Beaver Contracting
5.0(
10
)
Find a Custom Home Builder

Serving O Fallon, MO and surrounding areas

In business since 2020

Free estimates

Credit card accepted

"Chris and his crew made sure they knew my style and what I was looking for in my family room makeover. He built our mantle and shelves from scratch and we couldn't be happier with the way in turned out!!"
Dellwood Kitchen
Dellwood Bathroom
Custom Closet
Dellwood Kitchen
Dellwood Bathroom

+52

Recommended by100%of homeowners
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Custom Home Builders FAQs, answered by experts

Framing is often the most expensive phase of building a house because it’s time-consuming and requires a lot of materials. It costs between $20,000 and $50,000 on average, depending on materials and labor costs. Before construction begins, it’s possible that purchasing land is the priciest step in the process. Some plots of land sell for $3,000, while others cost upwards of $150,000.

The average cost to build a modular home is around $270,000, and most modular homes total between $180,000 and $360,000. Of course, this price varies significantly by location, and the price tends to follow the cost of living in the area. There are quite a few other factors at play that can affect your pricing, including the following:

  • Number of bedrooms and bathrooms

  • Site preparation, including land clearing and leveling

  • Type of foundation

  • Utility connections

  • Cost of building permits

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 a type of prefab home. Specifically, manufacturers first build modular homes in sections and then deliver them to the job site. The modules, or sections, are usually at least 70% finished before they arrive on your property.

In comparison, prefab homes arrive in panels or segments, and workers assemble them on-site. Generally speaking, modular homes tend to be more durable, and their consistent construction standards may mean you’ll have an easier time getting conventional home loans.

The most significant expense when building a barndominium is constructing the metal shell, which includes the roof, doors, and windows. Additional exterior components impacting the overall cost include metal siding and the concrete foundation.

The O Fallon, MO homeowners’ guide to custom home building

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