Get matched with top home builders in Ilion, NY

Q: How can you finance new construction?

• <div><p>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:</p><ul><li><p><b>Construction-to-Permanent Loan:</b> 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.</p></li><li><p><b>Construction Loan (Stand-Alone):</b> 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.</p></li><li><p><b>Builder Financing:</b> Some custom homebuilders offer their own financing options, which may only require a down payment to begin the building process.</p></li><li><p><b>Bridge Loan:</b> This can be a useful short-term loan to fund your new construction while you are in the process of selling your old home.</p></li><li><p><b>Home Equity Options:</b> 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.</p></li></ul><p>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.</p></div>

Q: How long do modular homes last?

• <div><p>Modular homes last an average of between 50 and 75 years, and high-quality modular homes can last for 100 years with proper maintenance. For comparison, a standard home lasts 50 to 100 years and can push to 150 or longer with good maintenance. Modular homes provide better long-term value in that they are significantly more affordable and can last almost as long, but some buyers are wary of modular home longevity, so the actual value if you sell could be lower.</p></div>

Q: What are the disadvantages of building a house?

• <div><p>Above all, the downside to building a new house is a longer timeline. You need several months to finish the build, depending on the supply chain and labor availability in the meantime. Building a home compared to buying one is also more expensive, both in the building process and when it comes to mortgage rates and property taxes. </p></div>

Q: Is a structural engineer the same as a builder?

• <div><p>No, a structural engineer is not the same as a builder. A structural engineer is an expert in all things related to the structural integrity of a building. The structural engineer is responsible for calculating the correct materials in terms of load-bearing capacity and overall structural safety. Structural engineers do not perform the actual building of the house or other structures. Rather, the builder executes the plans and designs specified by the structural engineer.</p></div>

Q: Are prefabricated homes worth it?

• <div><p>Whether a prefab home is worth it or not will depend on your personal needs and preferences. Overall, prefab homes tend to cost less than traditional homes, although they also tend to have lower resale values. Another thing to consider is that prefab homes usually last 50 to 60 years or longer, while traditional homes last 50 to 100 years or more.</p></div>

Enter your zip and get matched with up to 5 pros

Need a pro for your home building project in Ilion, NY?

Select your specific project to find the pro for you.

Verified Reviews for Home Building pros in Ilion, NY

*The Angi rating for Home Building companies in Ilion, NY is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Home Building needs.

*The HomeAdvisor rating for Home Building companies in Ilion, NY is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Home Building needs.

Last update on February 02, 2026

Reviewed in February 2026
I hired Surtr Construction for electrical at a building I had purchased. They did 2 panel upgrades 200A services and wired 6 office spaces. Work was phenomenal. They had all proper permits ready to go prior to job starting. Code inspector had no issues after work was completed. Will be using...
Surtr Construction
Request a quote
Reviewed in June 2025
I hired Mara home improvement to rebuild a deck, and also to remodel my kitchen. I would recommend them, for someone looking for top notch work.
MARA Home Improvement
Request a quote
Reviewed in June 2025
This company did an awesome job building my deck! They did it in a very timely manner, very professional and very friendly! I definitely recommend and will continue doing business!
MARA Home Improvement
Request a quote
Reviewed in May 2025
Moving my staff to new home with this Company was excellent moving ever. Thank you!
Mive 1 Moving Services
Request a quote
Reviewed in August 2024
Outstanding!! Highly, HIGHLY recommend Holleran's Home Improvement! Answered all of our questions before and during the entire process... clear answers, great communication throughout. We had new rooves installed on our 2300 sq. ft. home, and our two-stall detached garage, and a small shed....
Holleran's Home Improvement
Request a quote
Reviewed in August 2024
Snyder Home Buyers, LLC fantastic and thorough. They gave immediate attention upon hiring. They are personal and did not delay in responding or in the process of setting up the inspection and doing a thorough job. I recommend this company for everyone's need for a hone inspection.
Snyder Home Buyers, LLC
Request a quote
Reviewed in August 2023
Dean's pressure washing did a great job for us, the 5, two-story buildings came out sparkling clean and the job was done in a timely manner. His work was done at a reasonable price, we are very satisfied customers, and would not hesitate to hire him again.
Dean's Pressure Washing
Request a quote
Reviewed in March 2023
I subcontracted with Hearth To Home to finish a bathroom remodel (wallpaper) for one of my clients. His work was impeccable, he had close attention to detail and the finished product was perfect. I will definitely be hiring him again in the future!! -Kirsten Home On A Hill Design
Hearth to Home Construction of CNY, LLC
Request a quote
Reviewed in February 2023
I highly recommend Jyra Home Solutions. They put new siding on my home and built a 2 car, carport. When we initially went over the project, Seth made further recommendations to enhance my home, when they finished the project, every aspect of the initial plans was completed, with a total home...
Jyra Home Solutions
Request a quote

Find Home builders in Ilion

RIATY REMODELING AND CONSTRUCTION LLC

4.5(

)

Find a Custom Home Builder

Serving Ilion, NY and surrounding areas

Approved

In business since 2024

Free estimates

"Professional, completed the project ahead of schedule. Came out better than i thought it would. Started with just a wall and turned it into a nice relaxing area to hang out on. Even did extra work like a small roof and some lights! Would highly recommend"

Response time1 day

Response rate100%

Request Quote

MJ's Contracting Services Inc

New to Angi

Find a Custom Home BuilderFind a Modular Home Builder

Serving Ilion, NY and surrounding areas

Approved

Free estimates

Emergency services offered

Offers commercial services

Request Quote

GOKEYs Painting & Const

5.0(

)

Find a Custom Home BuilderFind a Modular Home BuilderShelter or Outbuilding - Build

Serving Ilion, NY and surrounding areas

In business since 1998

Free estimates

"They were great. They were very accommodating of my need. They had a great communication and they did the job very well. They were one of the best home improvement company."

second story done with painting and before pictures of first level of house

finished roof and painting exterior of house

+53

Recommended by100%of homeowners

Request Quote

A N D Construction services

5.0(

)

Find a Custom Home BuilderFind a Modular Home BuilderShelter or Outbuilding - Build

Serving Ilion, NY and surrounding areas

In business since 1996

Free estimates

Emergency services offered

"It was great. He did a great job. Everybody have seen my house, I told them who did the work and they wanted his company name and number."

Recommended by100%of homeowners

Find a Custom Home BuilderFind a Modular Home Builder

Serving Ilion, NY and surrounding areas

In business since 2008

Emergency services offered

Credit card accepted

"The process to put in a claim is super easy. The contractors that Choice Home Warranty deals with are top notch. I was very pleased."

Recommended by81%of homeowners

Request Quote

Premium Home Improvements

4.3(

)

Shelter or Outbuilding - Build

Serving Ilion, NY and surrounding areas

In business since 2014

Free estimates

Warranties offered

"Josh and Mike did an excellent job. Since we live out of state, scheduling was difficult. But they worked with us to setup mutually agreeable times. We are very pleased with our new family room."

+102

Response time8 hrs

Response rate90%

Recommended by100%of homeowners

Request Quote

American Home Shield – Home Warranty

3.5(

5,688

)

Find a Custom Home BuilderFind a Modular Home Builder

Serving Ilion, NY and surrounding areas

In business since 1971

Credit card accepted

"They don't use the same contractor. You don't always get the best. It's cheaper for major repairs. They cover everything, parts, labor."

Recommended by65%of homeowners

Find a Custom Home BuilderFind a Modular Home BuilderShelter or Outbuilding - Build

Serving Ilion, NY and surrounding areas

Credit card accepted

"Domir and his team was A++++! They went above and beyond and made my new bathroom beautiful! Will be hired again for any work on my house!"

+103

Recommended by100%of homeowners

Shelter or Outbuilding - Build

Serving Ilion, NY and surrounding areas

Free estimates

Emergency services offered

Credit card accepted

"It went great. Not only the remodel itself, but my disabled husband was able to manoever quite easily with the new grab bars, both in the tub and in the bathroom. He was able to get in and out of the tub much more safely and easily than previously. Pretty great!"

+19

Recommended by85%of homeowners

Request Quote

NY ROOF - McCaig & Daughters

4.8(

)

Find a Custom Home BuilderFind a Modular Home Builder

Serving Ilion, 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."

+31

Recommended by90%of homeowners

Request Quote

Showing 1-10 of 33

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.

Modular homes last an average of between 50 and 75 years, and high-quality modular homes can last for 100 years with proper maintenance. For comparison, a standard home lasts 50 to 100 years and can push to 150 or longer with good maintenance. Modular homes provide better long-term value in that they are significantly more affordable and can last almost as long, but some buyers are wary of modular home longevity, so the actual value if you sell could be lower.

Above all, the downside to building a new house is a longer timeline. You need several months to finish the build, depending on the supply chain and labor availability in the meantime. Building a home compared to buying one is also more expensive, both in the building process and when it comes to mortgage rates and property taxes.

No, a structural engineer is not the same as a builder. A structural engineer is an expert in all things related to the structural integrity of a building. The structural engineer is responsible for calculating the correct materials in terms of load-bearing capacity and overall structural safety. Structural engineers do not perform the actual building of the house or other structures. Rather, the builder executes the plans and designs specified by the structural engineer.

Whether a prefab home is worth it or not will depend on your personal needs and preferences. Overall, prefab homes tend to cost less than traditional homes, although they also tend to have lower resale values. Another thing to consider is that prefab homes usually last 50 to 60 years or longer, while traditional homes last 50 to 100 years or more.

The Ilion, NY homeowners’ guide to home building services

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

See all articles

Lyle Hendriks
•
Jul 8, 2026Jul 8, 2026
2026 Cost to Build a Custom Home
When building a home, going custom gives you the freedom to create your dream house. Learn about the cost to build a custom home and the factors to consider.
Rachel Hoffman
•
May 3, 2026May 3, 2026
How Much Does It Cost to Build a House? [2026 Data]
Wondering how much it costs to build a house? Use this guide to cover all your bases, from permits and planning to construction and finishing touches.
Angi
•
Mar 6, 2026Mar 6, 2026
How Much Does It Cost to Build a Modern Style Home? [2026 Data]
Discover the cost to build a modern-style home, including average prices, key factors, and tips to help you plan your project with confidence.
Angi
•
Aug 25, 2026Aug 25, 2026
Home Building: Everything You Need to Know
Thinking about a custom home building project? Learn about design options, average construction costs, and how to hire the right local pro for your new house.
Ginny Bartolone
•
Jul 8, 2026Jul 8, 2026
Building vs. Buying a Home: Which Should You Choose?
It's time to make the ultimate decision: building vs. buying a home. We'll walk through the building vs. buying the debate from all angles.
Lawrence Bonk
•
Jul 9, 2026Jul 9, 2026
How to Hire a Home Builder to Build Your Dream Home
Building your dream home starts with hiring a builder. Here is how to find a builder who understands your needs and preferences for your brand-new home.