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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!"
5 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

"service provider sent by American Home Shield was excellent. The only issue I have with home warranty services is that they do not send their repair companies out on the week-end, even in an emergency. The customer service personnel is less than enthusiastic or helpful."
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

Custom homes can take an average of 18 months to build, mainly due to the lengthy design process, and most projects take somewhere between 12 and 24 months. When you work with the right custom home builders near you, they can help you map the road ahead and understand what can speed up or delay the timeline. Choosing locally available materials, for example, can speed things up without losing that customized touch.

Modular homes can go up or down in value depending on a few factors. In areas where real estate is appreciating, the value of modular homes is likely to increase, and vice versa. Additionally, the value of modular homes depends partially on the area. In cities where every other home is stick-built, modular homes might be considered a functional obsolescence, in which case they could be less desirable and go down in value. In either case, though, modular homes can still be a good investment, especially since they provide housing at a lower upfront cost.

Modular homes are more affordable than stick-built homes if you keep quality and square footage equal. The cost to build a home averages $323,000, while average modular home prices sit at {AvgCost}. If you’re looking for custom or luxury options, a traditional custom home costs $825,000, while a high-end modular home costs $600,000, on average.

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.

To get a quote from a builder or general contractor, contact them over the phone or online and explain your project. If you already have house plans drawn up, they’ll need to review them to determine the project's scope before providing you with a quote. Ask for your quote in writing and compare quotes from several pros before choosing the best one for your needs.

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.