Financing Solutions

At S&A Homes, we collaborate with trusted lenders who can guide you through every step of the financing process. Our partners will help you understand available loan programs, establish a budget, and secure the most suitable financing solution for your needs. We encourage you to begin with our [Financing Solutions](/financing-solutions) page for more information about financing an S&A home.

Property tax rates and assessments vary by county and by township. Many county tax websites provide calculators to estimate taxes on your home. You can also get a tailored estimate from your S&A Sales Representative or lender based on your location and home price.

The mortgage process typically involves several key steps to help you finance your new home. First, you’ll want to get pre-approved by a lender, which helps determine your budget. Once you’ve selected your new home, you will work with your lender to complete a formal loan application. During this stage, you should be prepared to provide necessary documentation, such as proof of income, credit history, and other financial records. After submitting the application, your lender will process and underwrite the loan, verifying your information and appraising the property. The final step is closing, where you’ll review and sign all necessary documents before receiving the keys to your new home.

Mortgage closing costs are the fees and expenses you pay in addition to your down payment when finalizing a home loan. These costs typically range from three to five percent of your loan amount and may include title insurance, attorney fees, appraisals, taxes, and other associated expenses.

Learn about the benefits of [mortgage preapproval](https://www.sahomebuilder.com/blog/reasons-to-get-a-mortgage-pre-approval/) in this article on our blog, Building Forward.

The timeframe for determining preapproval or prequalification can vary depending on the lender and their specific process. Generally, this process is completed within a few days at most but we recommend reaching out to your lender for specifics.

We understand choosing the right mortgage is an important step in your homebuying journey. There are several mortgage options available to suit a variety of financial needs. A mortgage consultant is available to help you explore these choices and find the best fit for your circumstances.

Yes, we partner with trusted lenders who can guide you through every step of the financing process. We aim to make the lending process as easy as possible. Please visit our [Financing Solutions](/financing-solutions) page for more information about financing an S&A home.

Please contact your Sales Representative to inquire about the closing date on your new S&A home.

At a minimum, you will need to bring a valid photo ID, a copy of your purchase agreement, and your Closing Disclosure. Additionally, you will likely be required to provide your closing funds in the form of a certified check. Your lender and Sales Representative will provide detailed guidance on the specific documents and items required for your closing.

Depending on your location, either the closing attorney or title company will provide a Closing Disclosure, detailing your costs in compliance with applicable laws.

You will receive your final loan documents at the time of settlement. During the settlement process, all necessary paperwork will be finalized and provided to you, ensuring that you have a complete and accurate record of your loan agreement.