You can't build a house with a mortgage, and here's why. What changed in 2026?
I'll explain why banks tightened their requirements in 2026: escrow accounts and accredited contractors are now mandatory. I'll analyze family mortgages at 6%, compare the cost of cash and financed construction, and explain the risks.
I'll give recommendations on how to choose a contractor and avoid losing your home.
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Video navigation:
00:00 Start
01:33 — Construction options: cash, basic, and subsidized mortgages
02:31 — Family mortgage terms at 6%
03:14 — What changed in bank requirements in 2026
04:36 — Escrow accounts: how to protect against unfinished construction
06:19 — Cost comparison: mortgage vs. cash
09:56 — How to choose a reliable contractor (only accredited ones)
11:02 — Summary and link to the video about renting vs. mortgages