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: What’s the difference between a custom home and a spec home?

• <div><p>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. <a href="https://www.angi.com/articles/cost-to-build-custom-home.htm">Custom homes cost</a> more and take longer to build.</p></div>

Q: What is the most affordable house to build per square foot?

• <div><p>Ranch and <a href="https://www.angi.com/articles/what-colonial-style-house.htm">colonial-style homes</a> are often the most affordable to build. They have a common layout with available designs that are easy to adjust in simple ways without having to spend too much on a structural engineer or architect. Both types of homes' symmetry, simple roofs, and often one or two-story plans mean they often fall in the $150 to $200 square-foot range, putting them right around average. </p></div>

Q: Is remodeling a house less expensive than building a new house?

• <div><p>Remodeling a house is often less expensive than building a new house. You can expect to pay an average of <b>$100 per square foot </b>when you are remodeling. The cost to build a house averages about <b>$150</b> <b>per square foot</b>. When remodeling, though, some rooms cost more than $100 per square foot and some cost less. Use a <a href="https://www.angi.com/articles/home-remodel-costs-estimator.htm">home renovation cost estimator</a> to accurately estimate your remodeling costs.</p></div>

Q: What size of house is considered a cottage?

• <div><p>Most cottages are around 1,000 square feet, making them smaller than most other styles. However, cottages are defined more by their decor and architectural focus on simplicity, functionality, and a connection to nature than they are by a rigid square footage or floor plan. While cottages are defined more by their charm and appearance than size, the smaller footprint does help maximize the comfort and charm, and it keeps the focus on connection to nature and family.</p></div>

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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
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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
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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
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Reviewed in May 2025
Moving my staff to new home with this Company was excellent moving ever. Thank you!
Mive 1 Moving Services
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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
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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
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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
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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
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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
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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%

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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

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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

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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

"I called Choice and reported my problems. They issued a work order and within the hour, I had been notified by S & J Plumbing that they would be here on Thursday. I could not make the time, so I called them and they politely scheduled for the next day. They showed up early, looked over the problems , called in the work to make sure it was covered and they repaired or fixed everything that was needed. They worked on my house like they were working on their own home. After done, they completely cleaned up, reminded me that they guarantee their work, and left. The gentleman who worked on my house was a professional and a credit to his company. I cannot say enough about the quality of work and their concern for everything. I will never forget such a wonderful experience and will not hesitate to recommend Choice Home Warranty. Thank you so much."

Recommended by81%of homeowners

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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

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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

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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

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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.

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.

Ranch and colonial-style homes are often the most affordable to build. They have a common layout with available designs that are easy to adjust in simple ways without having to spend too much on a structural engineer or architect. Both types of homes' symmetry, simple roofs, and often one or two-story plans mean they often fall in the $150 to $200 square-foot range, putting them right around average.

Remodeling a house is often less expensive than building a new house. You can expect to pay an average of $100 per square foot when you are remodeling. The cost to build a house averages about $150 per square foot. When remodeling, though, some rooms cost more than $100 per square foot and some cost less. Use a home renovation cost estimator to accurately estimate your remodeling costs.

Most cottages are around 1,000 square feet, making them smaller than most other styles. However, cottages are defined more by their decor and architectural focus on simplicity, functionality, and a connection to nature than they are by a rigid square footage or floor plan. While cottages are defined more by their charm and appearance than size, the smaller footprint does help maximize the comfort and charm, and it keeps the focus on connection to nature and family.

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.

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