Good questionsCost, timing and financing

Frequently asked
questions.

Straight answers about cost, timelines, Pre-Construction and what it is like to build a custom home with Gowler Homes.

Custom homes

Cost, timing and how it works.

8 questions

How long does it take to design a custom home?

Our custom home design phase, what we call Pre-Construction, takes an average of 6 to 8 months. During this phase we prepare all of the architectural, engineering, interior design, finish selections, and labor and material specifications needed to build your home. We then build a project schedule and budget based on these design documents before construction starts, so there are fewer surprises once we break ground. The more detailed we get during Pre-Construction, the more efficient the Construction phase becomes.

How long does it take to build a custom home?

Building timelines vary depending on site conditions, weather, and the complexity and size of the project. Most custom homes we build are completed within 12 to 14 months after breaking ground. Larger or more complex projects can extend beyond this range.

How much does it cost to build a custom home in Colorado?

The cost varies significantly depending on size, complexity, and finish level. As a general guide, in 2025 a custom home along the Front Range will typically cost between $375 and $500 per square foot, not including land.

It's important to clarify what's actually included in that number. Does it include landscaping? Solar or geothermal systems? A pool? These choices, along with site-specific factors like soil conditions, foundation design, and utility infrastructure, can significantly affect both total cost and cost per square foot. We walk through all of this with you during Pre-Construction so your budget reflects your actual home, not a generic estimate.

What's the difference between a custom home and a spec home?

A spec home is built speculatively: we build it ourselves, without a specific buyer in place, and market it for sale during construction. Because the design and finish selections are already underway, there's limited ability to make changes. A custom home is designed entirely around you, from the ground up. That's also why the custom process takes longer: we're planning and designing something that's never existed before.

Do you build on my own lot?

Yes. Many of our clients already own land in Colorado Springs, Monument, or elsewhere in El Paso or Douglas County. Before we begin Pre-Construction, we'll walk the site with you to evaluate access, utilities, soil conditions, and any HOA or covenant requirements that could affect design or cost. If you don't yet own a lot, we can also help you evaluate potential sites before you buy.

What areas do you build in?

We build custom homes throughout the Colorado Front Range, with deep experience in Colorado Springs, Monument and Castle Rock, along with the surrounding communities of El Paso, Douglas, and Elbert County, including Black Forest, Franktown, Sedalia, Elbert, Elizabeth, Castle Pines, Littleton, Parker, Highlands Ranch, and Lone Tree.

We build in many of the area's most sought-after communities, including Flying Horse, Flying Horse North, Cathedral Pines, Colorado Golf Club, The Broadmoor Resort community, Winsome, Walden, Settlers Ranch, High Forest Ranch, Forest Lakes, The Timbers, The Keep, and Kissing Camels.

Do you require a minimum lot size or budget?

We build on lots as small as a quarter acre, though most of our projects sit on 2.5 to 5 acres. We have significant experience on large acreage properties between 40 and 200 acres and the challenges that come with them: access, utilities, soil variability, wildfire mitigation.

As for budget, building a true custom home for less than $2 million is very challenging. We can occasionally make it work in the high $1 millions. Most of our projects range from $2.5 million to $5 million, extending up to $10 million.

Can I use my own architect or designer?

Absolutely. We work with some of the top architects and designers in the region. If you're already working with one, we'd love to join your team as the builder partner. If not, we have access to the best in the business and will help pair you with the right architect and interior designer for your project.

Working with us

Building with Gowler.

8 questions

Can I perform some of the work myself?

Unfortunately, no. Due to licensing and permit requirements, schedule implications, warranty, and liability concerns, we don't allow homeowners to perform work on their home. Trust us, we'll make sure it's done right, on time, and on budget.

Do you offer a warranty?

Absolutely. Every home we build is covered for a full 12 months by the Gowler Homes warranty. We take a proactive approach, including a 30-day post-move-in walkthrough and an 11-month inspection to make sure your home is performing the way it was designed to.

How long have you been building custom homes?

Our founder, Matt Gowler, has been building custom homes along the Colorado Front Range since 2003. Our team of project managers and superintendents brings decades more of combined experience.

We need a well and septic system. Do you handle that?

Yes. Many of the lots we build on in Monument, Black Forest, and unincorporated El Paso and Douglas County require private well and septic systems. We coordinate the full installation, well permitting, septic design, and electrical and natural gas or propane connections, as part of your Pre-Construction process.

What green building techniques do you use?

We design and build every home with high performance in mind: energy efficiency, water quality, and indoor air quality. Our team has experience with photovoltaic solar systems, ERV systems, water treatment and filtration, advanced thermal insulation, radiant heating, geothermal systems, and more.

Are you licensed and insured?

Yes. Gowler Homes is a licensed builder in El Paso County, Elbert County, Douglas County, and the Town of Castle Rock as well as surrounding jurisdictions. We carry workers' compensation and $2 million in general liability insurance, and we place builder's risk coverage on every project we build.

Do you include landscaping?

Our preference is yes. In our opinion, a home isn't truly complete until it's landscaped. We work with some of the area's best landscapers and prefer to coordinate the work so your landscaping is complete by the time you move in.

Do you build pools?

Absolutely. We've built in-ground pools on past projects and would love to help you incorporate one into your home.

Money

Budgets, billing and financing.

4 questions

Do you offer financing or construction loans?

We don't lend directly, but we work regularly with lenders experienced in custom home construction loans, including one-time-close and VA construction loan programs. We'll help you understand what a lender will need from us and can point you toward lenders we've had good experiences with.

Are you fixed price or cost plus?

We believe financial transparency is key to building trust with our clients. We build cost plus and we are completely open book, meaning you get full transparency, clarity, and professional financial record-keeping at every stage of the project.

How much does Pre-Construction cost?

It depends mainly on the specific architect and designer you engage, along with the overall scope and complexity of your project. For most projects, clients can expect to invest between $100,000 and $250,000 in Pre-Construction costs. Simpler homes on straightforward lots land toward the lower end; larger or more complex projects, especially those requiring extensive engineering or well and septic systems, land toward the higher end or beyond.

What makes Gowler Homes different than other builders?

Our team has worked together for years, not months. We take pre-construction seriously, locking in design decisions before construction ever starts. We work with the best trade partners in the area. We make a plan, then we work the plan: complete estimating up front, transparent accounting down to the penny, monthly budget reconciliations, and proactive scheduling.

We protect you through subcontractor insurance requirements, lien releases, purchase orders, and contracts built to reduce your exposure. We celebrate the moments that matter: groundbreaking, the home blessing, move-in day. And we build with family in mind, because this is where memories will be made for generations.

Ready to get started?

Still have a question?

Ask it on the questionnaire or send us a message. We answer every one, and there is no such thing as too early to ask.