Build On Your Land with Comerio Homes: The Smart Path to Custom Homeownership

If you’re dreaming of building a custom home on your own land, you’re not alone. More homeowners than ever are choosing to break away from crowded subdivisions in search of space, privacy, and personalized design. At Comerio Homes, our Build On Your Land (BOYL) program offers a smarter, streamlined path to make that dream a reality, whether you already own your land or are just starting your search.

This comprehensive guide will walk you through the process, benefits, considerations, and next steps for building your custom home with Comerio Homes. Let’s explore why BOYL might be the perfect fit for you, and how we make the process as smooth and enjoyable as possible.

What Is “Build On Your Land”?

“Build On Your Land” (BOYL) means working with a builder like Comerio Homes to construct a new home on land you already own, or plan to purchase. Unlike traditional developments where builders control the lots and limit customization, BOYL empowers you to select the location, layout, finishes, and even the future use of your land.

✨ Whether you’re envisioning a quiet retreat with acreage or a family-friendly layout on a tucked-away lot, BOYL gives you ultimate control over location, design, and lifestyle.

Explore Our BOYL Program »

Why Choose BOYL with Comerio Homes?

Comerio Homes is one of the Kansas City metro area’s leading custom home builders, known for quality craftsmanship, integrity, and transparency. With our BOYL program, you get:

✅ Personalization

Choose from 50+ flexible floor plans or bring your own design. Tailor finishes, layout, and features to match your unique lifestyle and preferences.

✅ Site Optimization

We help you maximize your land’s potential, whether that means positioning your home for the best sunlight or navigating slopes and tree cover.

✅ Process Clarity

From financing to permitting, we guide you through every step, removing uncertainty and reducing costly mistakes.

✅ Efficient Construction

Our in-house systems, vetted trade partners, and engineering-backed quality checks help keep your build on track.

Step-by-Step: How BOYL Works

Here’s how we help bring your vision to life:

Choose Your Land

You may already own land or are still searching. Either way, we can help assess the site for feasibility, utilities, setbacks, and more. Need help finding land? We work with local agents who specialize in residential land sales. Contact us for a referral.

Review Land Features

We assess:

Lot size & shape
Site slope
Utility access (water, septic, electric, gas)
Easements & setbacks
Zoning & city codes
Tree or brush removal
Entrance & driveway length

Select a Floor Plan

Choose from our curated collection of floor plans, or bring your own. We offer everything from spacious ranches to two-story family homes. Browse options on our Floor Plans page.

Customize Your Home

Personalize features inside and out—including kitchens, bathrooms, smart technology, exterior finishes, and energy-efficient upgrades.

Secure Financing

When building on private land, buyers must obtain a construction-to-permanent (C2P) loan, which converts into a traditional mortgage upon completion (with no additional fees).

We’ll connect you with preferred local lenders who specialize in C2P financing. Once funded, we coordinate directly with the lender for progress payments. Visit Our Financing Page »

Due Diligence & Feasibility

We execute a Feasibility Agreement with a small fee (non-refundable) that covers due diligence services like site visits, permit research, utility estimates, and more. You must own or have land under contract before this phase begins.

Review Pricing Estimate

We provide a detailed pricing summary that includes:

Base home price
Land prep costs
Septic or sewer allowances
Driveway & trenching allowances
Upgrades & customizations

📄 See a sample pricing breakdown in our BOYL Guide PDF.

Sign Contract

Once pricing is finalized, we sign a New Home Sales Contract with a small deposit based on the total project price.

Common Questions (BOYL FAQs)

Q: Do I need to own the land before starting?
Not initially. But you’ll need to at least have it under contract to begin feasibility studies and must own it prior to construction.

Q: Can I include land cost in my mortgage?
Yes. Most buyers close on their land and construction loan simultaneously.

Q: Can I use my land equity for the down payment?
Yes. Lenders often allow this to reduce or eliminate the cash down payment needed.

Q: Do I need to buy floor plans?
No! You can use one of ours or bring your own (additional steps may apply for third-party plans, such as engineering or to meet local codes).

Q: Will I make payments during construction?
Interest payments are part of your loan and paid automatically

What to Expect During Construction

We take great pride in our engineered construction process, which includes:

31 inspections during construction by engineers and building officials
Engineer and framing inspections
Weekly email updates from our team
Use of advanced construction software for transparency
Standard Specification documentation and scope of work showing what is included

Our quality and consistency are why we’ve earned a reputation as one of the most trusted builders in the Kansas City metro.

Smart & Healthy Home Features

Your BOYL home comes loaded with built-in smart features and health-conscious upgrades designed for modern living:

Smart Features:

Nest Thermostats
Ring Video Doorbells
Igloo Smart Locks
Wi-Fi garage openers
CAT6 wiring & USB outlets

Healthy Living:

Radon mitigation system
Duct cleaning prior to move-in
Whole-home humidifier
4″ MERV 10 HVAC filters
R-50 attic insulation

See our Smart & Healthy Home Features page for full details.

Understanding Site Costs

Unlike building in a subdivision, BOYL construction often involves additional site work. These costs vary by location, city regulations, and land characteristics. Here are some key considerations:

Water/Septic:Additional trenching, percolation tests, and septic systems may require additional costs.
Electric/Gas Trenching: Additional fees may apply for longer runs or temporary power.
Permits & Surveys: Cities and counties may charge separate fees for entrance permits, land disturbance certifications.
Driveways: Costs vary based on length and material (gravel, base, asphalt or concrete, culvert install, etc.).
Grading & Clearing: Trees, brush, or rough terrain may require significant site prep.

Budgeting Tips for BOYL

BOYL buyers should be proactive and budget beyond the home’s base price. Consider:

Septic system and utility installation allowances
Temporary living arrangements while your home is built
Future upgrades or outbuildings like barns or pools

💡 We recommend setting aside a 10% contingency fund to cover unexpected costs.

Need a starting point? View our sample pricing worksheet in Ultimate BOYL Guide.

What’s Included with Comerio Homes?

Unlike some builders who advertise low base prices and upcharge everything else, Comerio Homes includes a wide range of premium features as standard, such as: