Financing Solutions

S&A Homes is committed to making your home-buying process as simple and worry-free as possible.

When it comes to financing your home, there is no such thing as a one-size-fits-all solution. That is why we partner with a variety of lenders and banks to ensure that we are able to offer loan programs that are specifically tailored to each purchaser’s needs. We are here to partner with you and ensure that we help assist you in your loan application and approval process. Whether you seek the benefits of 100% USDA financing, are considering an FHA loan or are looking for a construction loan to finance a project on your own piece of land, we can help.

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Contact us today to learn more about our customized financing solutions.

Owning vs. Renting

Topic Own Rent
Investment into Savings Vehicle (Principal) Yes No
Federal Tax Deductions Yes No
Pride of Ownership Yes No
Protection from Payment Increases Yes No
Appreciation in Resale Value Yes No

Tips for Selling Your Home

Home buyers today are usually home sellers too! In today’s market, it takes more than rolling the dice and crossing your fingers to get your home sold. Knowing you are facing stiff competition means you need to be on your A-Game from the get go. Here are a few tips to help you get started:

  • 1. Choose the Right Realtor

    This single decision is perhaps the most important. Dig deeper than your local newspaper and interview several before committing to one person.

  • 2. Thinking of Listing For Sale By Owner?

    Reconsider your decision. FSBO listings, on average receive less money than their counterparts, sit on the market longer and most end up converting to Realtor Listings in the long run.

  • 3. Leverage Online Marketing

    Most people forget – 92% of home buyers start their search online. Your Realtor should have a track record of using a variety of websites to get the job done.

  • 4. Pictures Sell

    Most buyers sort listings by price & photographs. Make sure your Realtor uploads the maximum amount of photos for your listing.

  • 5. Use Social Media

    Facebook, YouTube and Flickr are just some of the sites that will help get the message out there.

  • 6. De-Clutter

    Yes, buyers will open your closets, pantry and judge your home by its condition. Taking the time to organize, clean and remove most items from the counters will help set your home apart.

  • 7. De-Personalize

    Home buyers want to picture themselves in your home – not you. Remove most of the pictures, collections and personal items from the home and leave the most impactful decorating items behind.

  • 8. Invest in Touch Ups

    It may cost you a few hundred or even a couple thousand dollars, but fresh paint, a few light fixtures and hardware can make a world of difference in the perceived value of your home.

  • 9. Go Neutral

    Notice we say neutral, not white. Taupes, Grays, and pale shades of colors are usually good bets. Loud colors, on the other hand, may be your child’s choice, but won’t help sell your home.

  • 10. Curb Appeal

    What sells a house more than any other item? Curb Appeal. Don’t neglect the outdoors in your efforts to make your home stand out.