Financing

If you have been told about an option out there, we probably offer it. If you have not been able to get approved somewhere else, then you have come to the right place. Below are the basic financing choices lenders have, but each loan is like a fingerprint. All banks look at 3 main things when figuring out an approval – Budget, Down Payment, & Credit. Within those 3, there are many other things they look at to help get you a pre-approval. Below are some examples that help get you – a better home loan approval, rate, term, & payment. We look at all things to help paint the best picture for the Lenders.

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VA
This is available to all military currently or previously serving. It offers great rates, lower payments by cutting out some fees, and a possible $0 down option.
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USDA1
This is available in certain areas. It is based on incomes, # of dependents stretches that amount. It has great rates, long term options, lower fees, and a good possible $0 down option.
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FHA1
The most common used option. Standard 30 year & fixed interest rate, but has other options if desired. There are many positives to this loan, but there may be better options based on your personal situation. Most places only offer an automated approval on this one, but we have some lenders that do a manual underwrite and can give us more leniancy. General is 3.5% down plus.
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Conventional1
This is usually used on larger loan amounts that have maxed out the FHA limits, but it has some other good applications that may work better for your needs. usually requires a larger investment up front or land equity.
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LANDINLIEU1
A great option for those people who own their land. If you still have a balance this can still be a good deal and be a possible $0 down option. There are some things that could help make this the best option for you.
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CHATTEL1
For those people that want quick or do not want to tie up the land this is the best option. This is not available to onsite builders. This option has the biggest variation in rates, terms, and down payment based on a few things. Virtually no closing costs. Great for people wanting to put a 2nd home on land as a guest house, or others needing to move back home and not tie in land.
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EQUITY1
If you have been turned down somewhere else for low credit scores, or items on your credit like a Bankruptcy, Foreclosure, or Repo, this could be the option for you. With enough money down or Land Equity we can get you an approval with an easy refinance option.
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OWNERFINANCE2
We do own our own Mortgage company so we have owner finance options. We occasionally have current customers buying new homes from us and we help sell their existing home as owner financed. These are on a first come first serve bases, so come in soon if wanting this option.
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2NDHOME1
Have you been wanting to get a 2nd home in another area, or an investment property, but got turned down, or they wanted too much down? Then this option may be great for you. It does require a larger amount down than your primary residence, but it beats paying cash for the 2nd home, guest house, lake house, or rental property you wanted.
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BUY FOR & ALTERNATE INVESTMENTS

Have you been making money that is not provable by paycheck stubs. Have you made good money, but you deducted it all on your tax returns, and now you do not budget for a home. Then this is a great option.
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If your credit scores are too low to get an approval, but you have someone that will co-sign for you. If you are wanting to buy a home for a family member or friend, but other banks will not finance unless you live in the home. Do you have someone that is just starting off and has no credit. Then this is a great option for you. (Note – We are not the home mortgage lender ourself. We only assist you in getting the lender answers.)

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Customer Appreciation

La Coste TX Troop

Thank You For Helping Our Girl Scout Troop raise money with your donation and buying our cookies. we really appreciate it.

La Coste TX Troop

Beverly Escamilla & Family

Just In Time For Christmas I am a single mother of 3, and it was really hard to find a good price home with enough room for my family. smart cash homes and palm harbor did a great job of getting me a great house and at a payment i could do.

Beverly Escamilla & Family

Rebecca & Don Richardson

We Could Not Have Done It without You When we came to Smart Cash Homes we were in a bind after we had already bought the land, and most home builders were so high priced, we did not think we would be able to use the land. So glad we found yall, and have the best house we could ever have wanted. thank you again for all you did.

Rebecca & Don Richardson

Alex Morley

Thank You From Habitat For Humanity We really appreciate the donation of materials for our new homes, and thank you for your time in helping us build.

Alex Morley

The Elgins

We just wanted to say thank you for helping us purchase our new home! We love it, and tell people daily how great it it. thank yall so much!!

The Elgins

Mr. and Mrs. M

Dear Friends at Smart Cash Homes- San Antonio, Thank you! Andrew Gonzales was so patient and caring. we joke that we gave him such a hard time, and he took it, and found us the perfect dream home. it is amazing how much you care, and the quality you put into your homes.

Mr. and Mrs. M