In most cases, sadly to say, the answer is no. The problem comes with the lender who may be anxious to lend money to pay for materials used by a professional builder, but who does not want to finance something done by non-licensed amateurs who do not have the experience or insurance that the builders have. Another issue is that although watching a professional carpenter in person or on television makes the work seem easy, in reality the work is hard and difficult. This is especially true for the buyer who must work at a paying job during the day.
The final problem can come with the city or town the home is located in. If you want to finish your own home you may also want to live on the premises at the same time. The city may not provide you with a certificate of occupancy; in fact, the building inspector may go over every inch of the nonprofessional’s work looking for errors.
There are some things you may be able to do that will reduce the price of a developer’s or builder’s house. These things usually are in the range of those decorative upgrades that you install after you move in. As with any other home purchase, if you financially cannot pay for this house, either wait and save your money or find something that is in your price range.