You may be thinking that with home prices and rates on the rise that it’s a hard time to buy…THINK AGAIN! Although rates are higher, they are still historically low. It’s always a great time to invest in your future and I am here to help!

We all know buying an S&S Home is a great financial investment. Homes in our area will continue to appreciate (at what rate- we cannot predict) but there is a lot of data to suggest that our market will continue to grow and help create equity and value for future and existing homeowners, along with savvy investors.

Buying a Home is a more affordable option than renting in the long run. As home prices rise, so does the cost to rent a place to live. Buying an S&S home is a smart investment to make for yourself and your family. Why rent and pay someone else’s mortgage when you can live in one of the many S&S Homes' top-notch, safe communities.

Ready to look into buying? There are numerous programs that we can look into to fit your situation. Give me a call and we can get the ball rolling. Whether you are a first-time home buyer with little, to NO money available for a down payment, an existing homeowner wanting to upscale, or downsize or you want to invest and watch your money grow. We have options for you!

Here are just some of the options currently available:

- Down payments less than 20%

- Using funds to buy out the mortgage insurance

- Buy down points to get a lower rate

- Bank statement loans for business owners.

Lock and Roll:*

With rates constantly on the move, both up and down daily, the concern is the rate and if it is still going to be the same when you find a home. If the rate changes drastically it will change the ability to purchase, and this option can alleviate the stress of that happening. Traditionally you would need to have a home to tie the rate lock to, but this will allow you to lock at the current rate today and go find a home.

Eligible Loan Programs:

• Freddie Mac, Fannie Mae, and Ginnie Mae Loan Products

• All property and occupancy types as allowed by Investor guidelines.

• Purchase Loans only

• 60-day lock periods only

*Additional fees may apply

The Brandon Welch Team has 45 plus years of combined experience in helping finance your dream home and we are excited to help you.

Brandon Welch, Area Manager NMLS 301036**

**Citywide Home Loans, LLC and S&S Homes are not affiliated.

Citywide Home Loans, LLC NMLS 67180 ( Headquarters: 9785 South Monroe Street, Suite 200, Sandy, UT 84070. 866-508-5515. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply. Equal Housing Lender. AZ BK #0913402