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    Average homeowner rating
  • Verified reviews icon10
    Verified custom home building reviews

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

Avatar for MODERN BUILDING & CONTRACTING
MODERN BUILDING & CONTRACTING
4.0(
4
)
Find a Custom Home Builder

Serving Waterloo, NY and surrounding areas

Approved

In business since 2025

Free estimates

Credit card accepted

"????? After another company came in and completely messed up our deck project, we were frustrated and unsure who to trust. Thankfully, we called Modern Building & Contracting, and honestly, we only wish we had found them first! James and Mike came out, listened to our concerns, and immediately put us at ease. From start to finish, they were professional, knowledgeable, and committed to doing the job right. The quality of their workmanship exceeded our expectations, and the finished deck turned out absolutely beautiful. My family and I couldn?t be happier with the results. It?s clear that they take pride in their work and truly care about their customers. If you?re looking for a reliable contractor who delivers quality craftsmanship and excellent customer service, we highly recommend Modern Building & Contracting. Thank you again, James and Mike?we love our new deck!"
6 neighbors recently requested a quote
Avatar for Choice Home Warranty
Choice Home Warranty
4.0(
5,678
)
Find a Custom Home Builder

Serving Waterloo, NY 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 High Tech Construction Co
High Tech Construction Co
4.3(
43
)
Find a Custom Home Builder

Serving Waterloo, NY and surrounding areas

In business since 1987

Free estimates

Emergency services offered

"It went excellent!  Hi Tech Construction Co gave me a detail estimate of the job.  And compared to other estimates I received from several other companies, Hi Tech's was the most reasonably priced.  Hi Tech also gave me a timeline of the job from beginning to finish and they were right on target.  The crews showed up on time and carried out the job like experts - they surely looked like they knew what they were doing.  I noticed that they were very concerned about the safety of our neighbors, anybody passing by, their crews, and us.  They also cleaned everything right after they finished their job.  I was really happy with the timeliness and the quality of their job.  I will definitely strongly recommend Hi Tech.  I do not think you can go wrong with them.
"
Facade Restoration - High Tech Construction Co
stoop restoration -high tech construction co
Wood Stoop
Limestone Stoop
brownstone stoop and facade restoration

+20

Recommended by81%of homeowners
Avatar for WPP Building and Design
WPP Building and Design
3.3(
12
)
Find a Custom Home Builder

Serving Waterloo, NY and surrounding areas

In business since 2021

Credit card accepted

"They did an excellent job with painting the interior of our house. We had a really high wall in the stairway, and they had no problem getting to the top of it and did a great job! Would hire them again!"
Painting - Interior Project
Remodeling - Kitchen & Bathroom Project
Remodeling - Kitchen & Bathroom Project
Additional Photos
Additional Photos

+9

Response time1 day
Response rate100%
Recommended by58%of homeowners
Avatar for American Home Shield – Home Warranty
American Home Shield – Home Warranty
3.5(
5,689
)
Find a Custom Home Builder

Serving Waterloo, NY and surrounding areas

In business since 1971

Credit card accepted

"The technician did an excellent job. It did take a while to get the repair finished, but that was due to Bertazzoni delivering the parts. I have had multiple problems with this particular appliance. My range now works better than it did when new, but I have a feeling that even if I have continuing problems with it, American Home Shield will just repair rather than replace due to the cost of the range. By the way, I'm not exactly sure of the date of the repair."
Additional Photos
Additional Photos
Additional Photos
Additional Photos
Additional Photos

+2

Recommended by65%of homeowners
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Custom Home Builders FAQs, answered by experts

Handypeople usually don’t hold trade licenses, so they typically aren’t qualified to tackle projects involving installing or making alterations to plumbing or electrical lines. Below are some jobs that a handyperson usually won’t be able to complete:

  • Installing plumbing for a new kitchen or bathroom

  • Replacing plumbing pipes

  • Installing or repairing septic systems

  • Running new electrical wiring

  • Installing a subpanel

Builder-grade is one of two types of stock cabinets, whereas semi-custom designs allow homeowners some control over the color, finish, or hardware on their cabinets. Stock cabinets are sold in construction-grade and builder-grade designs. Construction-grade cabinets are usually made from inexpensive medium-density fiberboard, which is prone to moisture damage, whereas builder-grade models are a step up with higher-quality materials. Construction-grade designs are the most common type of cabinets in America.

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.

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

Start by researching local contractors with experience in cottage construction. Ask for references, check licensing and insurance, and review completed projects. Compare multiple bids, making sure each includes the same scope of work. A good contractor will communicate clearly, provide a detailed contract, and ensure all work meets code and safety standards.

The Waterloo, NY homeowners’ guide to custom home building

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