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

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

Serving Elko, NV and surrounding areas

In business since 2008

Emergency services offered

Credit card accepted

"Loay Jabbar provided the information I needed quickly and clearly. I immediately signed up for full coverages for our two homes because of the discounts offered and because of the quality of service that Loay is saying and promising Choice Home Warranty provides to its customers. I have bad experiences with other home warranty companies so I am hoping I found the best company that would deliver the best service."
Recommended by81%of homeowners
Avatar for Ilum Solar
Ilum Solar
4.8(
13
)
Find a Custom Home Builder

Serving Elko, NV and surrounding areas

In business since 2015

Free estimates

Emergency services offered

"The entire team at Ilum Solar, were outstanding in every way. We could not have been more pleased. They were very professional, honest, thorough, competent, arrived on time, the workmanship was excellent, and made the process a pleasure, from getting necessary permits, through receiving county approval. The original quote was spot on, they used high quality products and the results were excellent. We referred them to other customers, and they have been very pleased and continue to thank us. We are not ones to give out glowing reviews easily, but when you find a company that is honest, thorough, genuinely cares about their customers, and checks off all the boxes, you are very fortunate. Ilum is one of those companies! Thank you Ben, Rob, and team!"
Lincoln California New Construction + Solar
El Dorado Hills Groundmount
Santa Cruz Bible Church Solar
Lincoln California New Construction + Solar
El Dorado Hills Groundmount

+33

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

An A-frame home can be cheaper to build than a traditional house, but that is not always a given. Prices can be fairly similar in some cases, depending on the location, design, and necessary site preparation. Costs for an A-frame typically run between $100 to $200 per square foot, which is comparable to the cost of a traditional home. The cost of an A-frame can come in under those numbers if you opt for a prefabricated kit.

A custom home is one that you design from the ground up, allowing you to customize everything from the square footage to the interior layout to all of the materials used. A spec home is one that a builder has designed and gotten approvals for. Spec homes may give you some limited options for the layout and materials, but most of the build is pre-set. Custom homes cost more and take longer to build.

Construction typically takes 3-6 months, including site preparation and assembly.

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.

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.

The Elko, NV homeowners’ guide to custom home building

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