| Term | Definition |
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| Sale-leaseback | A transaction in which the buyer leases back the property to the seller for a specified period of time.
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| Sales contract | A contract signed by the buyer and sellerthat details the terms of a home purchase.
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| Saltbox style | A design that dates to colonial times and takes its name from the shape of saltboxes.
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| Sanitary sewer | The drain line in a house that carries away food and human wastewater to a municipal sewer system or a septic system.
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| Sash | One of two windows in a double-hung window.
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| Schematic designs | Renderings of floor plans and the exterior of a house.
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| Second mortgage | Another loan placed upon a piece of property.
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| Secondary mortgage market | A market of packaged home loans that are resold as securities to investors. Major players are Fannie Mae and Freddie Mac.
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| Secured loan | Any loan backed by collateral.
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| Security | Apiece of property designated as collateral.
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