Building Forward

Author: Janice Glessner

6 Ways to Make Your Home Cozy and Inviting

There’s nothing quite like the feeling of coming home to a warm, cozy, and inviting space. It’s the perfect escape from the fast-paced world outside. Who doesn’t love wrapping up in a warm blanket and snuggling up on the couch with a good book or movie? After all, a comfortable and relaxing home environment can not only enhance your mood but can also boost your overall well-being. These tips will help you create a cozy space that you’ll love spending time in all year.

Choose soft textures

Soft textures can make your home feel more inviting and cozy. Incorporate plush blankets, decorative pillows, and throws to add a sense of warmth and comfort. You can also add a fluffy area rug to your living room or bedroom to create a cozy space that’s perfect for lounging.

Use warm lighting

Lighting can greatly impact the mood of your home. Harsh and bright lighting can create a sterile environment, while soft lighting adds to the warm and cozy feel of your home. You can swap out light bulbs with softer, amber-tone light bulbs or add small lamps to your room corners. This type of lighting can create the perfect ambiance that’ll help you relax and unwind from the day.

Make use of natural elements

Natural elements can add a rustic and earthy feel to your home, while also helping to create a peaceful and calming atmosphere. Consider adding plants and flowers to your home, or introducing natural wood accents like a coffee table or shelving unit. You can even incorporate natural materials like wicker or rattan into your decor to add warmth and texture.

Use warm colors

The colors of your home can greatly impact how warm and cozy it feels. Earthy tones like reds, oranges, and yellows, or deep, rich colors like navy and emerald green are the perfect way to bring a warm and comforting feel into your living space. These colors can help create a welcoming and cozy atmosphere in your home that’s perfect for relaxing and unwinding.

Add personal touches

Infuse your home with your personality and add personal touches to make it feel more inviting. Display family photos, artwork, and decor that reflects your personal style. These personal touches add a sense of familiarity and warmth to your house and make your house feel even more like a home, which helps create a warm and welcoming environment.

Make use of scents

The power of scents can contribute significantly to making your home feel cozy and warm. You can use scented candles or essential oils to add a soothing and calming aura to your rooms. A scent like vanilla, cinnamon, or lavender can provide the perfect backdrop to your comforting home décor elements.

Making your home feel warm and cozy is easier than you might think. Remember, the key is to create an atmosphere that promotes relaxation and comfort, so don’t be afraid to infuse your own personal style into your decor. With a little effort and these simple tips, your home can be transformed into a cozy retreat that’s perfect for any season.

Find your new home with S&A Homes

S&A Homes offers a variety of new home communities and floorplans in the most sought-after locations in Central and South-Central Pennsylvania. To learn more about the available home designs and quick move-in homes, call 1-855-SAHOME1 or visit SAHomeBuilder.com.

October 24, 2023
The Pet Parent’s Guide to Buying a Home

Buying a home is a big decision, and for pet parents, it can come with additional challenges. While searching for the perfect home, you want to make sure that it not only checks all the boxes for you but that it also accommodates your furry friends’ needs. As a pet owner, you also need to consider their safety, convenience, and comfiness. To help you find the perfect home for both you and your pet, here’s a pet parent’s guide to buying a home that covers the four things you should consider before making a purchase.

Outdoor space

If you have a dog, a secure outdoor space and a fenced yard are vital features when choosing a new home. Pets need an area to play, run, and exercise without any restrictions. If the home doesn’t have a fenced-in yard, check if it’s possible to build one. Fencing the full perimeter of the yard will ensure that your pet is contained within the set boundaries and away from hazardous environments and busy roads.

Flooring

When considering a new home, take a close look at the flooring. Flooring can have a considerable impact on your pet’s mobility and health, as well as your cleaning efforts. Some flooring options, such as hardwood or tile, can scratch easily when pets run around or nails get too long. If you do choose hardwood or tile, be sure to have appropriate nail trimming and take other preventative measures to preserve the flooring. Carpet, on the other hand, can be great for cushioning your pet’s paws and is less prone to scratches. These flooring options will not only stand up to wear and tear but also help to keep your home cleaner and free from animal-related odors.

Neighborhood

When looking for a new home, the location and neighborhood are as important to your pet as they are to you. The proximity of parks, trails, and green spaces can provide an ideal place for dogs to run and play. A pet-friendly neighborhood is also essential in ensuring your pet’s safety. Check to see if your potential new neighborhood has a high traffic volume, leash laws, and policies regarding pets, as they will impact your dog’s or cat’s lifestyle immensely.

Home layout and living spaces

Living spaces are essential when purchasing a new home, not just for humans, but also for pets. Pet parents should consider their furry friends’ size, age, and needs when deciding on a living space in a new home. Consider a home layout that offers a balance of open space and private areas for your furry friends. Are there spaces where your pets can retreat to when they want some alone time? Are there stairs that your pets might have difficulty navigating? Is there enough space to store your pets’ food, toys, and other items? Choose a new home that balances the needs of your pet with practicality and convenience for yourself.

Buying a home with pets can be a daunting task, but by considering these four factors, you’ll be able to find a pet-friendly home that suits both your needs and the needs of your furry friends. With careful consideration and research, you’ll find the perfect home for you and your pets to enjoy together.

Still looking for a new home? Try S&A Homes

Ready for a new home that’s perfect for you and your furry family members? S&A Homes offers a variety of new home communities and floorplans in the most sought-after locations in Central and South-Central Pennsylvania. We can also build your dream home on your own land! For more details, visit www.sahomebuilder.com or call 1-855-SAHOME1.

October 17, 2023
Essential Tips for Creating the Perfect Teen Bedroom

If you have a teenager, then you know how important their bedroom is to them. It is a space where they can relax, hang out with friends, do homework, and express their personality. But creating the perfect teen bedroom is no easy task. You need to find the right balance between function and style while making sure your teen is happy with the end result. Not sure where to start? Here are some useful tips for creating a comfortable and stylish teen bedroom your teen will love.

Get your teen involved

The first and most important tip is to involve your teenager in the process. Let them be an active participant in the design process so they feel more invested in their room. Discuss their favorite colors, themes, and styles. Ask what they like and dislike and build the design around their answers.

Make sure it’s functional

Your teen’s bedroom serves many purposes so it needs to be both functional and stylish. Create zones or areas where they can study, relax, enjoy hobbies, and hang out with friends. Position furniture in layout that supports the main activities they’ll do there: invest in a comfortable bed and quality desk, and set up some small chairs for conversation or reading – whatever they enjoy doing most.

Focus on storage and organization

Horizontal view of designed teenage boy room

A messy, cluttered bedroom can cause stress and anxiety. It’s important to focus on storage and organization during the design phase. Make sure the room has plenty of storage options like shelves, racks, and drawers to keep everything organized and tidy. A well-organized bedroom can also help your teenager keep track of their belongings, making their life (and yours) easier.

Choose the right colors

When it comes to color, let your teen have some input. After all, they are the ones who will be spending the most time in the room. It’s important to create a color palette that is pleasing to your teen, while also being easy on the eyes. Pastels, neutrals, and bright colors all work well in a teenage bedroom. It’s okay to place limits on the range of colors they can choose from; that way you’re not stuck painting the room an unpleasing color. If you do override their preferred color choice, offer alternative ways to work that color into their room in other ways, like accessories or bed linens.

Add some personal touches

Your teen’s bedroom should be a reflection of their personality and style. Let your teen express their creativity by decorating the bedroom walls with their favorite posters, photos, and artwork. You can also incorporate trendy decor elements like rugs, and throw pillows, and quirky and unique decor items like neon signs or funky light fixtures.

Portrait of teenage Asian girl using laptop on bed in cozy room interior, copy space

Take the long-term view

It’s important to remember that teenagers grow up quickly and their interests change with age. When it comes to designing the perfect teen bedroom, keeping the long-term view in mind is vital. Choose furniture and accessories that are durable and adaptable, and that would work well in a more adult environment. Avoid going overboard with faddish trends and remember to keep it stylish but simple.

Creating a perfect teen bedroom is all about finding the balance between function and style. By incorporating these tips and tricks, you can create a space that offers comfort, practicality, and style, and can grow with them into adulthood.

New homes from S&A Homes

S&A Homes offers a variety of new home communities and floorplans in the most sought-after neighborhoods in Central and South-Central Pennsylvania. Learn more about new home opportunities from S&A Homes, including quick move-in homes and build on your land opportunities, by calling call 1-855-SAHOME1 or visiting us online at SAHomeBuilder.com.

October 10, 2023
Attached Home vs Detached Home: How to Choose

Buying a home is one of the most significant financial decisions you’ll ever make. It’s important to closely consider what you need and want in your new home. One of the choices you’ll need to make is whether to buy an attached or detached home. It might seem like a straightforward answer, but there are several factors that you should consider before making your choice. Here is an informative guide on attached vs. detached homes to help you choose the right kind of home for you.

There are two types of homes: attached and detached. Detached homes are the most popular option. However attached homes have become more common in recent years, and many people are choosing to buy them instead.

What is a detached home?

Let’s start with detached homes. As the name suggests, these homes are separated from other properties and have their own plot of land. They offer more privacy and space, making them ideal for families with children or pets, or for those looking to have a home office or outdoor living space. Detached homes also typically have more natural light and ventilation. They also tend to be quieter, making them great for those who value peace and quiet.

What is an attached home?

On the other hand, attached homes – also known as townhomes or carriage homes – are joined together by a shared wall. They’re more affordable than detached homes and can be an excellent option for first-time homebuyers. They also usually have shared areas, such as driveways or backyards, which can encourage a sense of community among the homeowners.

The differences between attached vs. detached homes

The most noticeable difference is that attached homes share a wall while the detached home stands alone. Of course, the primary advantage of a detached home is more privacy. Newer attached homes may have separate entrances that resemble a stand-alone room, which provides additional privacy.

Detached homes come with more space, larger yards, lower noise levels, and more design options. They generally have fewer restrictions with aspects like home layout, exterior paint, and landscaping. Attached homes are generally more compact with limited outdoor space – ideal for those looking for a more low-maintenance lifestyle.

Detached homes may come with more expensive utility bills and maintenance tasks. But they provide a more generous investment value and potentially higher resale price. A bonus of attached homes is their energy efficiency. Thanks to the shared walls, they often have insulation in the walls and floors, which can help minimize energy wastage and lower your utility bills. Additionally, attached homes generally require less time and money for maintenance, as they have smaller outdoor areas.

An additional factor to consider is your preferred location, as attached homes have been trending in city centers while detached homes are more abundant in suburban and rural areas, offering more peaceful surroundings.

There are unique selling points for those in different life stages. Retirees appreciate attached homes because they provide more security, lower maintenance, and have an abundance of amenities. Younger families with children lean towards detached homes since they offer proximity to nature, have larger outdoor spaces for children to play in, and have more privacy from neighbors.

How to choose between an attached or detached home?

Ultimately, the choice between an attached or detached home comes down to your personal preferences. Both options have their pros and cons and are suitable for different lifestyles. If you’re looking for privacy, space, and a backyard to call your own, then a detached home may be the best option for you. But if you’re more interested in affordability, energy efficiency, and community living, an attached home may be the way to go.

When making your decision, remember to consider your lifestyle, your budget, and your future needs. A home is a significant investment, and making the right choice will pay off in the long run. With the right home, you’ll be able to enjoy your life, your way.

S&A Homes offers a variety of new single-family homes, including attached and detached home plans. Our new home communities are located in the most sought-after locations in Central and South-Central Pennsylvania. Learn more about new home opportunities from S&A Homes, including quick move-in homes and build on your land opportunities, by calling 1-855-SAHOME1 or visiting us online at SAHomeBuilder.com.

October 3, 2023
Babyproofing Your New S&A Home

Becoming a new parent is an exciting and joyful experience, but it also comes with lots of responsibilities. As new parents, you want to make sure your little one is safe and secure, especially in their own home. It’s important to keep an eye on your child’s every move, but it’s even more important to take the necessary steps to babyproof your home to prevent accidents and injuries.

If you’re a new parent of a newborn or about to become one, babyproofing your house should be at the top of your to-do list. Here are some helpful tips to effectively babyproof your house.

Look at your home from a baby’s point of view

The first step towards baby-proofing your house is to step into the shoes of your little one. It’s time to think like a baby and see your home from their perspective. Get down on your hands and knees and crawl around your house. Look for any hazards that might pose a threat to a curious infant – like sharp corners of tables, loose cords, or poisonous items.

Clear the clutter

Babies are curious little creatures, and if there is any clutter around the house, they will find a way to get into it. So make sure you keep your house as clutter-free as possible. Place low-lying items, such as plants or small decorations, and sharp objects out of reach.

Secure furniture and appliances

Tipping of furniture or appliances can cause serious injuries to babies and toddlers. Make sure all heavy items are anchored or secured to the wall. You can buy wall anchors in a hardware store and attach them to the back of furniture with screws. This will prevent the furniture from tipping over your baby if they are trying to climb up or pull themselves up on it.

Childproof cabinets and drawers

Once your baby becomes mobile, they will naturally want to explore every corner and cabinet. This means that you’ll need to secure cabinets and drawers so that they can’t open them. You can install latches on cabinet doors that your baby can’t reach or customize your drawers with childproof locks to keep your little explorers out.

Cover electrical outlets and cords

Electrical outlets and cords pose a significant risk to babies. Cover all electrical outlets with safety plugs, which are widely available at big box department stores or hardware stores and online. Keep cords out of your baby’s reach and secure them to the wall using cord covers.

Install safety gates

As babies turn into toddlers and start to walk, they become more mobile, curious, and accident-prone. Installing safety gates at the top and bottom of your stairs and in any rooms that are off-limits to your baby is a crucial safety step. A safety gate will prevent your little one from climbing stairs or accessing areas that could be hazardous like the kitchen.

Keep medicine out of reach

One of the biggest mistakes many parents make is leaving medicine bottles within reach of their little ones. It’s crucial to keep all medicines, prescriptions, and vitamins out of reach. It’s best to install a safety lock on a medicine cabinet or move it to a high shelf that’s out of reach or locked.

Keep an eye open for potential hazards

Babyproofing isn’t a set-it-and-forget-it thing. As your baby grows and develops new skills, you should continue to look around your home and identify potential hazards. Each family’s living environment is different so it’s important to create an individual safety plan that fits your family’s lifestyle.

Welcoming a newborn baby is an exciting yet exhausting time for new parents. One of the most crucial aspects of taking care of your little one is ensuring their safety. Baby-proofing your home can be a simple task if you know what to look for. By following these tips mentioned above, you’ll be well on your way to making your home a safe haven for your baby.

New homes by S&A Homes

If you’re looking for a new home for your growing family, we hope you’ll consider S&A Homes. We offer a variety of new home communities and floorplans in the most sought-after locations. We can also build your dream home on your own land! For more details, visit us at SAHomebuilder.com or call 1-855-SAHome1 to learn about our new home communities throughout Central and South-Central Pennsylvania.

September 26, 2023
How Much is Needed for a Down Payment?
Buying a home can be a dream come true, but it can also be an overwhelming experience, especially if you’re a first-time homebuyer. One of the most common questions that come up is how much money you need for a down payment. The good news is that there’s no one answer to this question. It really depends on your financial situation, the type of home you want to buy, and the mortgage lender you choose. Let’s discuss how to figure out how much you need for a down payment.

What is a down payment?

A down payment is the amount of money that you pay upfront when you buy a home. It’s the difference between the purchase price of the home and the mortgage loan. For example, let’s say you want to buy a $300,000 home, and you put down 20%, which is $60,000, your mortgage loan would be $240,000.

How much do you need for a down payment?

The short answer: it depends. The slightly longer answer: traditionally, a 20% down payment was considered the norm. However, many loan programs now allow for smaller amounts. In fact, according to the National Association of Realtors, the average down payment for first-time homebuyers was 6% and 17% for repeat buyers in 2022.

The amount you need for a down payment depends on a few factors:
- The type of home you want to buy: Down payment minimums may differ depending on whether the home will be your primary residence, a secondary or vacation home, or an investment property.
- Your credit profile: A good credit score can help you qualify for a lower down payment.
- Mortgage type: Certain loans require a specific down payment amount, like VA loans, which don’t require a down payment.
As a general rule of thumb, most lenders require a down payment of at least 3-5% of the purchase price of the home. However, a larger down payment can help you secure a better interest rate and lower your monthly mortgage payments.

It’s important to note that when you put down less than 20%, you may have to pay private mortgage insurance (PMI). This is insurance that protects the lender in case you default on your loan. PMI is usually a percentage of your loan amount and is added to your monthly mortgage payment. However, once you’ve built up enough equity in your home, you may be able to cancel your PMI.

Minimum down payment by mortgage type

Minimum requirements vary based on your loan type and other financial considerations so check with your lender for specifics and qualification requirements. However, here’s a general guideline:
- Conventional loan: Each lender has their own requirements but generally ranges between 3 and 5%.
- FHA loan: With an FHA loan, borrowers with a credit score of 580 or higher can put down 3.5%. If your credit score is between 500 and 579, the minimum is 10%.
- VA loan: Eligible active military service members and veterans can qualify for a zero-down loan.
- USDA loan: no down payment minimum however, borrowers must meet certain income requirements and purchase a home in an approved rural area as defined by the USDA.
Advantages of a larger down payment

It takes time to save a substantial down payment amount but there are several advantages, including:
- Boost your down payment: The more you put down, the lower your interest rate, and the less risky your loan becomes for the lender. Plus, if you put down more than 20%, you won’t need to get PMI, which can really add up over time.
- Build equity: Own a bigger piece of your home and unlock funding for renovations or big purchases through cash-out refinancing, a home equity loan, or a HELOC.
- Enjoy lower monthly payments: Borrow less and enjoy the benefits of a lower interest rate, freeing up cash for your financial goals and lifestyle needs.
- Lower closing costs: Borrow less, pay less. Reduce the fees paid to your lender at closing by keeping your loan amount lower.
- Outshine the competition: Stand out in a crowded market by offering a larger down payment. Show sellers you mean business and increase their confidence in your ability to close the deal.
Advantages of a smaller down payment

While a larger down payment offers several benefits, opting for a smaller down payment also has its own set of advantages:
- Get a head start on building equity: Move into a home and start building equity sooner rather than waiting to save up for a bigger down payment.
- Move in at your own pace: Saving for a hefty down payment takes time. Opting for a smaller down payment allows you to buy a home when you need to.
- Keep your cash in your pocket: Moving comes with its fair share of expenses like repairs, upgrades, and furnishing. By choosing a lower down payment, you can hold onto more money to cover these costs.
- Secure a home before prices soar: It could take ages to save up a 20 percent down payment, and in the meantime, home prices and interest rates might skyrocket.
- Protect your emergency fund: You don’t want to deplete your savings just to make a big down payment. With a smaller amount down, you’ll have more wiggle room to maintain a buffer for unexpected expenses.
Down payment assistance programs

Fortunately, there are down payment assistance programs available to first-time homebuyers to help ease the burden of a large down payment. These programs vary by state, city, and county, but many provide funds or loans to help first-time homebuyers afford a down payment. Some programs also offer financial education courses to help buyers better manage their finances and prepare for homeownership. Here are some programs within Pennsylvania.

There is no one-size-fits-all answer when it comes to how much you should set aside for a down payment. It depends on your financial situation, the type of loan you qualify for, and your personal preferences. It is always best to speak with a mortgage lender or financial advisor to discuss your options and determine the best course of action for your situation. With a bit of planning and research, you can make the dream of homeownership a reality.

S&A Homes: New Homes in Central and South-Central Pennsylvania

We hope you’ll consider S&A Homes when you’re ready to make the move into a new home. S&A Homes has a long history of building quality new construction homes in new home communities located in desirable neighborhoods throughout Central and South-Central Pennsylvania.

We invite you to learn more about our new home opportunities, whether building on your lot or buying a home in one of our new home communities. Call S&A Homes at 1-855-SAHome1 or contact us online to learn more about our available inventory and communities.
September 19, 2023
Prepare Your Home for Fall and Winter

As the leaves start changing colors and the weather gets chilly, everyone knows that fall and winter are just around the corner. For many people, this means packing up their summer clothes, putting away the pool toys, and preparing for the upcoming cold season. But have you thought about getting your home ready for fall and winter? As the temperature drops, the changes inside your home will be your first line of defense, protecting you and your family from the harsh elements. Here are some tips to get your home prepared.

Check your heating system

Your home’s HVAC system plays a huge role in keeping your house warm and comfortable. Before the temperature drops, it’s important to get an HVAC maintenance check-up. A professional technician can address any issues that could affect your system’s efficiency. Getting your HVAC system checked can prevent further damages that could lead to more costly repairs down the line. Don’t forget to replace air filters and consider a programmable thermostat to help you save money on your heating bill.

Seal your windows and doors

Drafty windows and doors can cause a significant loss in heat, leading to increased bills. You don’t want heat escaping through any drafty spots in your home. Check your windows, doors, and even electrical outlets for cracks or gaps that might be letting in the cold air. If you find any issues, add weather stripping or caulking to seal up the leaks. This will keep the heat inside where it belongs, making your home cozy and warm.

Prepare for storms

Power outages during winter storms can leave you without heat, water, or electricity for days. Make sure to have candles, matches, canned food, and a manual can opener in a safe place. You might also consider investing in a reliable generator or an alternative power source such as solar panels.

Get your yard ready

To prepare for the winter months, it’s essential to get your yard ready too. Rake leaves to prevent mold and mildew buildup and clear dead branches or debris from the yard to avoid damage from heavy snow or ice. Prune your trees and shrubs before the first frost to help them survive the winter season and put away outdoor furniture. By doing so, you’re making sure your yard is ready to tackle any seasonal changes that come its way.

Protect your pipes

Frozen pipes are every homeowner’s worst nightmare. Pipes burst frequently, causing water damage and expensive repairs. Before the cold weather hits, drain and disconnect outdoor hoses and faucets to prevent water from freezing inside pipes. Consider adding extra insulation to your pipes in unheated areas of your home like the garage.

Check your gutters

Fall and winter are traditionally months with high precipitation, making it vital to ensure your gutters and downspouts are clean before the season starts. If left unattended, clogged gutters can cause damage to the roof, siding, and foundation of your home. Make sure to clean the gutters properly so water flows away from your home. You can also install a gutter guard to prevent debris from clogging them.

Preparing your home for the fall and winter seasons is essential to staying cozy, saving money on heating bills, and being safe from potentially dangerous weather conditions. Consider these top tips to keep your house in good shape and make sure you’ll be ready for whatever Mother Nature throws your way.

Buy a new home with S&A Homes this Fall

S&A Homes is proud to build affordable new home communities throughout Central and South-Central Pennsylvania. We can also build on buyer-owned land through our Build on Your Own Land program. To learn more about our available inventory and communities, call S&A Homes at 855-SAHOME1 or contact us now.

September 12, 2023
Saving for a New Home While Renting
Buying a house is probably one of the biggest financial decisions that anyone can make, and it’s not just about coming up with the down payment. You also need to have enough money to cover closing costs, moving expenses, and make ongoing mortgage payments. For many first-time homebuyers, saving up for a house while renting seems like a daunting task. However, it’s not impossible. In this blog post, we’ll share some tips on how to save for a house while renting so that you can start building equity in a home of your own.

Set a goal

The first step in saving for a house while renting is to set a goal for your down payment. Generally, a 20 percent down payment is required to avoid private mortgage insurance (PMI) but ultimately depends on your lender’s limits. Take a look at home prices in your area, and figure out how much you need to save. Once you have a target amount, you can break it down into monthly savings.

Create a budget

The first step toward saving for a house while renting is to establish a budget. This means tracking your monthly expenses, identifying areas where you can cut back on expenses, and freeing up more money to put toward your saving goals. Think of your budget as a spending plan for your money. Here are three key tactics to help you establish a budget:
- Use a budgeting app: there are plenty of free budgeting apps on the market, such as Mint or You Need a Budget, that can help you track your monthly spending and create a financial plan.
- Analyze your bank statements: review your bank statements from the past few months to identify spending habits and areas where you can cut back on expenses.
- Create a debt repayment plan: if you have debt, such as credit card balances or student loans, create a repayment plan and make it a priority to reduce your debt obligations.
Open a separate savings account

To avoid the temptation of dipping into your down payment fund, open a separate savings account for your “house fund.” To boost your savings quickly, you’ll want to open a high-interest savings account. These accounts offer a higher interest rate than traditional savings accounts, allowing you to earn more interest on your savings. It pays to compare savings accounts and find one that offers the best interest rate.

Automate your savings

Make saving automatic by setting up a direct deposit from your paycheck into your savings account. This ensures that a portion of your earnings goes directly toward your savings each month and makes it easy to stick to your financial goals. Additionally, you can set up automatic transfers from your checking account to your savings account at regular intervals, like every two weeks or once a month.

Cut unnecessary expenses

Once you have created a budget, it’s time to cut down on unnecessary expenses. This means reducing expenses such as dining out, shopping, and entertainment. Small cuts can add up to big savings if you practice them consistently. Here are some tips to reduce your discretionary spending:
- Cook at home: Cooking at home is typically much cheaper than dining out. Consider meal-prepping for the week and bringing lunch to work rather than eating out.
- Shop smart: Look for deals and discounts when shopping for groceries and household items. Use apps like Rakuten to get cashback on your online shopping purchases.
- Cut the cable: Consider opting for a more affordable alternative to cable, such as Netflix or Hulu. Additionally, take advantage of public libraries or streaming services such as Hoopla to access e-books and audiobooks for free.
Reduce your rent

One way to save for a house while renting is to reduce your rent. Although this may seem challenging, there are several tactics you can try:
- Consider downsizing if you’re living alone or with a roommate, consider downsizing to a smaller apartment or house. This can lead to substantial savings on rent and utility bills.
- Look for roommate opportunities if you’re comfortable with living with roommates, this can greatly reduce your housing expenses.
- Negotiate your rent if you’re hesitant to move, consider negotiating your rent with your landlord. You may be able to secure a lower rental rate or a few months of free rent.
Explore down payment assistance programs

Many people are not aware that several down payment assistance programs exist. These programs help to reduce the amount of money you need to save for a down payment. You can consult with a reputable mortgage lender to get information on the various assistance programs that are available in your area.

Saving for a house while renting might seem like a daunting task, but with the right mindset and strategies, it’s achievable. It takes discipline and consistency to reach your savings goals. Homeownership is a long-term investment, so it’s important to be patient and stay motivated. With determination and effort, you’ll soon be on your way to owning your new home.

New homes for sale by S&A Homes

S&A Homes offers a diverse selection of home designs to accommodate a variety of home buyers throughout Central and South-Central Pennsylvania. When you’re ready to buy your new home, we hope you’ll consider S&A Homes.

Learn more about new home opportunities from S&A Homes, including quick move-in homes and build on your land opportunities, by calling call (855) SAHOME1 or visiting us online at SAHomeBuilder.com.
September 5, 2023
Basic Home Maintenance Tasks Everyone Should Know

Owning a home is a dream for many of us, but it also requires a certain degree of responsibility. One of the most important aspects of homeownership is taking care of your property. Keeping up with basic home maintenance is an essential part of ensuring that your house remains comfortable and structurally sound. In this blog post, we’ll be discussing 13 basic home maintenance tasks everyone should know to be a more self-sufficient homeowner.

Change your air filters

Air filters are responsible for trapping dust, allergens, and other debris, which can affect the air quality in your home. Changing your air filter regularly can improve your indoor air quality and help your HVAC system run more efficiently. It’s recommended to change your air filters every 90 days, or more frequently if you have pets or allergies.

Check for water leaks

Leaks can go unnoticed for a long time, causing significant damage to your home. Make a point of regularly checking for leaks in your pipes, sinks, and toilets to prevent any potential damage.

Maintain your gutters

When your gutters get clogged, water cannot flow properly away from your home, causing water damage to your roof, walls, and foundation. Regular cleaning and maintenance will prevent damage and prolong the lifespan of your gutters. Inspect and clean your gutters and downspouts twice a year to prevent costly repairs down the line. For long-term gutter health, consider installing gutter guards or screens to prevent debris from accumulating.

Test your smoke and carbon monoxide detectors

Smoke and carbon monoxide detectors are crucial for protecting your home and your family from potentially deadly hazards. Monthly checks can detect malfunctioning detectors before it’s too late. Replace batteries yearly and test alarms regularly to ensure they’re functioning properly.

Reset the circuit breaker

When you overload your electrical circuits, everything connected to that circuit will shut off. Thankfully this is an easy fix: check your breaker box in your home and check the grid of breakers. You might notice that one is switched to the “OFF” position or has a red marker window, indicating that it has been tripped. To fix the issue, start by turning off all the lights and appliances that are connected to that specific breaker. Then, flip the tripped breaker back to the “ON” position.

Use a caulk gun

Fixing a small piece of caulk around your bathroom sink is easy and can prevent water damage. With just a tube of caulk and a caulk gun (an affordable investment), you can do it yourself. Simply cut the tube at a 45° angle, load it into the caulk gun, and carefully apply the caulk to fill in the missing area around the sink. Smooth it out and let it dry.

Clear your drains

Have a slow-draining sink? Skip the chemical drain cleaner and opt for a drain snake and a trusty plunger to clear the blockage. Here are some additional tips and tricks for dealing with clogged drains.

Keep your HVAC system maintained

Your home’s HVAC system is one of the most important components in keeping your home comfortable year-round. Annual professional inspections can save you money in the long run by detecting potential issues before they become costly repairs. Neglecting HVAC maintenance can lead to decreased energy efficiency, decreased indoor air quality, and potential safety hazards such as carbon monoxide leaks. To keep your heating and cooling systems in top shape, regularly change air filters, have professional inspections annually, and keep outdoor units free from debris.

Fix a running toilet

A toilet that’s constantly running wastes water and creates an annoying sound. You can easily fix this problem yourself without hiring a plumber. All you need to do is replace the flapper inside the toilet tank. Follow these simple steps to restore a peaceful and water-efficient bathroom.

Turn off the water main

Knowing the location of your home’s main water shut-off valve is crucial in an emergency. These valves can have either round wheel handles or lever-style handles. If you have a wheel-style handle, simply turn it to the right (clockwise) to shut off the water. For lever-style handles, turn the lever a one-quarter turn until it is perpendicular to the pipe.

If you’re planning on being away from home for an extended period of time, it’s a good idea to shut off the water in your house as a precaution against plumbing leaks.

Check your windows and doors

Doors and windows are also crucial components in maintaining optimal energy efficiency within your home. Regularly re-caulking any gaps can prevent drafts and keep your heating and cooling systems from overworking. Proper caulk application can even lead to energy savings of up to 20%.

Clean refrigerator coils

Refrigerator maintenance is another area of home care that is often overlooked. Dirty coils can lead to decreased energy efficiency and even compressor failure. Clean your fridge’s coils twice a year with a specialized brush or vacuum attachment to keep your fridge running smoothly.

Maintain your lawn and yard

Outdoor spaces are often overlooked when it comes to home maintenance, but important for keeping pests at bay and preventing landscaping damage. Common pests to look out for include mosquitoes, rodents, and termites. Regularly trimming bushes and trees and keeping outdoor areas clear of debris can go a long way in preventing damage to your home.

When to call in the professionals

Taking care of your home yourself creates an immense amount of pride, but there’s nothing wrong with calling for help when a fix is beyond your capabilities. If it’s a tricky job that’s beyond your expertise, it’s best to leave it to a professional. Not only will this ensure your safety, but it will also protect the value of your property in the long term and reduce your stress and frustration.

Home maintenance is an essential part of being a homeowner. Regularly maintaining your home’s vital systems can help keep your home energy-efficient and protect against potentially costly repairs. It’s also important to know when to call in the professionals for additional help. By taking care of these basic home maintenance tasks, you’ll be able to enjoy your home for years to come.

New homes by S&A Homes

When you buy a S&A home, you don’t have to worry about being on your own. Our commitment to you extends far beyond the day you move into your new home. That’s why we offer our homeowner resource so you can keep your home in tip-top shape. Whether you have a warranty question, are looking for helpful maintenance advice or just want to access copies of post-settlement service checklists, you can find everything you need.

Ready for a new home? We build new communities throughout Central and South-Central Pennsylvania, including build on your lot opportunities. Call 1-855-SAHome1 or visit SAHomeBuilder.com to learn more about our floorplans, available homes, and more.

August 22, 2023
Common Mistakes to Avoid When Buying a New Home

Buying a home for the first time is exciting, but it can also be overwhelming. In the process of finding the perfect place, many first-time homebuyers make costly mistakes that can be easily avoided with a little information and preparation. From skipping the pre-approval process to overlooking hidden costs, there are many ways to derail the dream of homeownership. If you’re in the market for your first home, read on to learn about the 6 common first-time home buyer mistakes and how you can avoid them.

Not getting pre-approved for a mortgage

Before you start shopping for homes, you need to know how much you can afford. Getting pre-approved for a mortgage will give you a clear idea of what your budget is, so you don’t waste time looking at homes that are out of reach. Plus, if you find a home you love, you’ll be ready to make an offer and beat out other buyers who haven’t been pre-approved.

Failing to stick to your budget

One of the biggest mistakes you can make when buying a new home is to go over budget. It’s crucial to have a budget in mind and stick to it when deciding on a property. Be realistic about what you can afford, including the down payment, closing costs, and the monthly mortgage payment as well as other expenses (more on this later). Before you start looking for a house, get pre-approved for a loan so that you know exactly what you can afford.

Real estate agent with couple shaking hands closing a deal

Not considering the full cost of owning a home

Buying a home is not just about the sales price. There are additional costs that come with owning a home, such as property taxes, insurance, utility bills, and maintenance expenses. Failing to account for these additional costs can lead to financial stress and put a strain on your budget. When you are calculating your budget, make sure to include these expenses so you know exactly what you can afford.

Neglecting researching the neighborhood

Another common mistake is buying a new home in a neighborhood that you are not familiar with. It’s essential to research the area and make sure that it is a good fit for you and your family. You should also check out the local schools, amenities, and parks. Not knowing the neighborhood can lead to major issues down the line.

Not considering resale value

While you might be focused on finding a home that suits your current needs, it’s important to think about the resale value in the future. Your circumstances might change, and you might need to sell the home in the future. So, keep in mind the location, neighborhood, and features that could impact the value of the property in the future.

Making emotional decisions

It’s easy to get emotionally attached to a home you love, especially if it’s your first. But don’t let your emotions cloud your judgment. Just because a house is beautiful or is in a desirable location doesn’t mean it’s the right fit for you. Don’t let your emotions cloud your judgment, and take your time in making a decision that’s right for you. And don’t be afraid to walk away if the deal doesn’t make sense.

Buying your first home is a big decision and it’s important to do your due diligence during the homebuying process. Following these tips will get you ready to tackle the homebuying process with confidence and mistakes. Knowledge is power when it comes to buying a new home. So do your research so you can be better equipped to make informed decisions and find the perfect home that will suit your needs for years to come.

S&A Homes: Built where you live

Ready to make the leap into homeownership? S&A Homes offers a diverse selection of home designs to accommodate a variety of home buyers throughout Central and South-Central Pennsylvania. Learn more about new home opportunities from S&A Homes, including quick move-in homes and build on your land opportunities, by calling 1-855-SAHOME1 or visiting us online at SAHomeBuilder.com.

August 15, 2023