Uptown Realtors, LLC
Financing is certainly another avenue to consider if you are not a cash buyer.
There are really pros and cons to both avenues, your realtor may just be trying to advise knowing full your personal situation.
First off, do you have any GC experience to be contracting a house yourself?
Secondly, financing a construction loan is completely different than financing a purchase. You will need to have some sizable skin in the game. Bank will not give you a construction loan if you are not a GC yourself.
If you are doing this strictly to save money and you have no experience building a house, then a wish you a lot of luck. And probably if you are on Trulia asking this question, you shouldn't be trying to contract your own home.
Besides a total package would mean professionals will handle everything, it is easier to finance.