Abstract: The present invention uses insulating concrete forms (ICF) in the construction of residential buildings. An entire wall panel is formed from polystyrene panels that may be cut by a hot wire machine. If necessary, hat channel shaped metal may be inserted into hat channel slots. Columns of polystyrene are removed so that concrete posts may be poured therein after the wall panel has been secured into place with rebar being located therein. Rebar and concrete also are formed along the top of the wall panel. Electrical and plumbing connection pathways are provided in the wall panel at the time of cutting with hot wire. Each wall panel is separately designed and cut by hot wire while still at the factory, but are all connected together to form an ICF residence. Openings are provided for doors and windows and are buck framed. Hat channels are inserted as necessary for strength and/or connection thereto.