Home Ownership = Pride

Are you renting and a little nervous to take the plunge into home ownership for the first time?  What’s holding you back?  Sure, there’s more responsibility, but that’s not necessarily a bad thing.  Trust us, there is a lot to look forward to when you can kick your rental to the curb!

First, you get all the traditional perks of owning a home. You know… the ones you’ve heard time and again about tax benefits, equity and security. However, there are several intangible benefits that you may or may not have thought of.

  • Consider Fido’s needs.  When you own a home, you can have any type of pet that you’d like and a yard for your furry friend to roam in.  No worries about hefty security deposits or ridiculous weight requirements! Read More

FHA Financing 101

Have you been dreaming of homeownership, but your less than perfect credit score and lack of a down payment has left you feeling like you’ll be stuck in your rental home forever? Well, you may be able to get into your dream home sooner than you think with an FHA loan.

FHA loans help those who would like to purchase a home, but haven’t been able to put the money away for such a large purchase. This type of loan is also a nice solution for those who have little, no or bad credit due to bankruptcy and foreclosure. These individuals often choose to go with a FHA loan because it’s much more forgiving and offers better interest rates than conventional home loans.

Typically to be eligible for a FHA loan, you’ll need a credit score of 580 or better, and 3.5% as a down payment. However, you also have to take into consideration the cost of your home. FHA limits vary from county to county. For a single-family home in Pennsylvania, FHA limits range from $271,050 to $327,500. Any buyer applying for a mortgage less than the stated limits is qualified to apply for an FHA loan. Read More


English Farms: Dare to Compare

For those of you out on the home hunt, what’s at the top of your priority list?  Is it having a spacious one-acre home site? Or, maybe being just minutes from some of the best shopping in Pennsylvania? How about a highly-ranked school district that consistently gets top marks in Newsweek and U.S. News and World Report magazines? Or, perhaps you seek all of the luxurious amenities you want without breaking the bank?

Usually, choosing a home means ranking your priorities and choosing from what’s left at the top of the list. But, once in awhile, an opportunity falls in your lap to purchase the perfect home with everything on your list. Surely, this will be the case for many Pittsburgh area home buyers who choose to live in English Farms, a new home community located in the desirable area of Pine Township, Wexford, Pa. Read More


Investing in Land is a Great Alternative

Low interest rates, affordable housing prices, and abundant inventory translate to all-time highs in the housing affordability index, giving buyers an incredible opportunity to maximize their dollar.  Many prospective buyers, however, are also sellers and have either been reluctant to list their homes at today’s values or have been unsuccessful with selling their home.

Some buyers are leveraging the best of both worlds by purchasing a finished lot up front and building their home after their current residence is sold.  For those of you debating whether to sell your home or sit this market out, consider these points:

#1 – The vast majority of buyers will save far more than they lose by choosing to sell their home at today’s value since they can capitalize on some great housing deals.

#2 – Today’s low interest rates offer buyers a chance to save hundreds in monthly payments compared to even a year or two ago. Read More


Lab Home Named Best Green/Energy Efficient House

Imagine what your life would be like if you didn’t have to pay a monthly gas or light bill. It would probably mean having a lot of extra spending cash; especially during those hot summer and cold winter months. How can this be possible? Well, that’s exactly what S&A Homes is trying to find out with its Lab Home; the nation’s first net-zero energy home. And, their work is not going unnoticed. Recently, S&A’s Lab Home won Best Green/Energy Efficient Housing under $500,000 by the Builders Association of Metropolitan Pittsburgh.

Located in S&A Homes’ Cobblestone community, the Lab Home features the latest green technology including a horizontal loop ground source heat pump, 100 percent LED and CFL lighting set on image sensors and 2×8 exterior walls with staggered 2×4 construction and R-40 insulation. All of the energy-saving technologies will be closely monitored over the next two years. The knowledge generated from the Lab Home will be used to help implement unknown technologies in all new home construction at an affordable price. Read More


The Plantation at Saxonburg Receives Recognition from BAMP

Have you been shopping for the best single-family home community in the location of your choice? Well, you’ve come to the right place. Recently, S&A Homes’ premiere community, The Plantation at Saxonburg, was awarded Best Single-Family Home of the Year between $326,000 and $400,000 by the Builders Association of Metropolitan Pittsburgh (BAMP).

Nestled in serene Saxonburg, The Plantation at Saxonburg is an amazing neighborhood that will have you feeling like you’re on vacation all year long. The beautiful community features incredible amenities that allow for relaxation and fun for the whole family. Imagine spending the warmer months soaking up sunshine or splashing around in the neighborhood’s sparkling pool. Or, bond with your family by taking meandering strolls on the community’s extensive network of walking trails. If you’ve found that you spent too much time overindulging in the holiday seasons’ delights, start your New Year’s resolution at the fitness center. Read More


Centennial Pointe Scores Points with Pittsburghers

Let’s be honest…living around the corner from a PF Chang’s and a bustling town centre with a 15-minute commute to Downtown Pittsburgh is akin to living in the 90210 of Pennsylvania.  And we all know that living in a premium zip code commands a premium price, right?

Well, no…at least not at Centennial Pointe, S&A Homes’ brand new townhome community that has just opened in Robinson Township, PA.  Located in a tree-lined oasis the neighborhood provides an inviting backdrop for any urban dweller to relax and recharge.  Centennial Pointe will feature two brand new floor plans, the Summerfield and the Deerfield, which both offer up to 3 bedrooms, expansive kitchens and family rooms and plenty of options for goodies like sunrooms, home theater and more.

What’s the best part?  All of this starts from the incredible $150’s!  And don’t be fooled – just because this community is peaceful doesn’t mean it has to be boring.  Plans to build a pool, tot lot and basketball courts in the Read More