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Avatar for NY ROOF - McCaig & Daughters
NY ROOF - McCaig & Daughters
4.8(
12
)
Find a Custom Home BuilderFind a Modular Home Builder

Serving Florence, NY and surrounding areas

In business since 1998

Free estimates

Emergency services offered

"Jim was excellent throughout the entire process of my new roofing installation. Quality of service and professionalism exceeded my expectations and I would recommend JMD to anyone looking for a contractor with years of experience."
Roofing
Siding
Roofing
Siding
Roofing

+31

Recommended by90%of homeowners
Avatar for MetalHead Fabrication and Welding
MetalHead Fabrication and Welding
5.0(
8
)
Shelter or Outbuilding - Build

Serving Florence, NY and surrounding areas

In business since 2020

Free estimates

Emergency services offered

"Andrew and his team are extremely professional and responsive. They came up with a beautiful wood/metal fence combination that has the entire area talking about it! We highly recommend Metal head fabrication and plan on using them for all of our future projects."
Many different random jobs
Trailer gate repair
Trailer gate repair
Trailer gate repair
Trailer gate repair

+33

Response time3 days
Recommended by100%of homeowners
Shed Crafters CNY
5.0(
4
)
Shelter or Outbuilding - Build

Serving Florence, NY and surrounding areas

In business since 2021

Free estimates

"I would hire Shed Crafters CNY again and recommend them to anyone looking for great work done at a fair price. Alexaiver Sochia, Owner/Operator, was professional, personable and knows the business. He helped us with thoughts and ideas that made our project better than anticipated. All I can say is...Keep up the great work. Thank you."
Additional Photos
Recommended by100%of homeowners
Showing 1-10 of 34
Home Building questions, 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.

In most cases, you should get an architect before you hire a builder. An architect will be the one to draw up formal plans for your project, including guidelines and even material lists for your builder to follow during construction. Many architects can even help you find builders, choose one for your project, and negotiate prices. Some are also willing to act as project managers throughout the process, working closely with a builder from start to finish.

One of the best ways to negotiate with a homebuilder is to forgo price reductions. Instead, negotiate over upgrades and incentives, as many builders are more willing to go down that road than to decrease their own fee. Even if they were willing to take a cut, a reputable homebuilder often knows their worth, so a willingness to negotiate could be a red flag. Beyond that, builders are typically willing to negotiate closing costs instead of offering a discount on the base price.

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.

Check reviews, compare quotes, and verify licensing. Ensure the builder has experience with modular construction.

The Florence, NY homeowners’ guide to home building services

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