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3 Easy Steps to Get the Best Mortgage in Arizona

A 3-Point Plan

Best Financing

When you’re looking to buy a home, the first thing most homebuyers do is start the process of house hunting. However, experience proves that this is one of the last steps you should be taking if you want to get the most home for the least amount of money. In fact, shopping for the best financing should start long before you start shopping for a home. This report outlines 3 important steps you should take to obtain the best financing rates when you buy a home. Read on to find out where you can inquire, what questions you should ask, and how to manage the process to your personal advantage.  

 

“…shopping for the best financing should start long before you start shopping for a home.”

3 Point Plan

3 Critical Questions to Ask When you’re looking for an agent to assist you in finding a home, make sure you find out the answers to these important questions: 1. Can you get me quick, easy and FREE mortgage preapproval? 2. Can I get preferred access to special low down payments, monthly payments and interest rates? 3. Can I get special advance notice of listings that computer-match my home buying criteria? You owe it to yourself to benefit from these cost saving benefits.

 

  1. Get Preapproved for a Mortgage . . . Getting preapproved for a mortgage will give you a number of important benefits including emotional security in the house-hunting process, and insurance against rising interest rates in the market place. Preapproval is easy, and can give you complete peace-of-mind when shopping for your home. Mortgage brokers can obtain written preapproval for you at no cost and no obligation. More than just a verbal approval from your lending institution, a written preapproval is as good as money in the bank. It entails a completed credit application, and a certificate which guarantees you a mortgage to the specified level when you find the home you're looking for. Preapproval means no last minute shopping around for money and rates. With a preapproved mortgage, if rates go up, you still get the preapproved rate, but if rates go down, you receive the lower rate.
  2. Receive Preferred Access to Special Low Financing . . . Agents that conduct hundreds of real estate transactions every year may be able to offer you certain negotiating advantages with lending institutions. These lenders are often anxious to do business with such agents and their clients, and may be willing to extend better than average rates. This can make purchasing a home much easier and more affordable for many buyers to qualify for a minimum down payment, and low monthly payments. Therefore many more buyers can own the home of their dreams much sooner than they ever thought possible.
  3. House hunting Service…Most agents offer a house-hunting service to make it easier for you to find the home you want. Through these programs you can find out in advance which homes on the market match your home buying criteria. To do this you simply provide your agent with a brief description of the type of home you’re looking for, for example, number of bedrooms, price range, neighborhood and so on. Then you should receive advance notice (including pictures) of all the homes for sale that match your requirements. This will give you the competitive edge to find out before other buyers which homes that are likely to be of interest to you. Because you are there before most other buyers, perhaps you can even negotiate a better price. You can then drive by these homes, without the assistance of an agent, to see which ones you want to view. Then it’s simply a matter of you advising your agent about which homes you like and want to see.

7180 E Kierland Boulevard Unit 1117, Scottsdale
$1,875,000
2 Beds ⋅ 2 Baths ⋅ 7098834 MLS ⋅ 1,366 SqFt.
Perched on the 11th floor, one of the top three penthouse-level floors of the prestigious Optima Kierland 7180 tower, this exceptional luxury residence offers some of the best views in Scottsdale, with breathtaking panoramic mountain, city skyline, and sunset vistas. Expansive floor-to-ceiling windows frame the scenery and fill the home with natural light. Featuring 2 bedrooms, 2 bathrooms, and 1,366 square feet, the residence boasts soaring 10-foot ceilings, a height found only on the building's top three floors and higher than most units in the tower. The gourmet kitchen showcases a premium Wolf and Sub-Zero appliance package, including a gas cooktop, built-in Wolf oven with convection microwave, integrated refrigerator, and Fisher & Paykel dual dishwasher drawers, complemented by sleek European-style cabinetry, quartz countertops, a designer tile backsplash, under-cabinet lighting, and a generous peninsula with seating. A built-in dual-zone wine cooler (54° and 40°) adds another touch of sophistication, while designer accent walls, motorized window shades, and a new multi-speed A/C unit enhance comfort and style. The versatile second bedroom is currently configured as a home office, ideal for remote work or guests. Both bathrooms feature elegant contemporary finishes, floating-style vanities, and expansive glass-enclosed showers. Two assigned parking spaces, both with EV charging, plus two privately owned storage units are included, and the new owner may assume the rental of a coveted 11th-floor storage closet, one of only two on the floor. Optima Kierland residents enjoy resort-style amenities, including a rooftop Sky Deck with heated lap pool, spa, sauna, steam rooms, cold plunge, outdoor entertaining spaces, and a rooftop running track, plus a state-of-the-art fitness center, indoor basketball and pickleball courts, golf simulator, yoga studio, entertainment lounges, and concierge services. Moments from Kierland Commons and Scottsdale Quarter, this is sophisticated high-rise living at its finest.

7180 E Kierland Boulevard Unit 1117, Scottsdale

29394 N 74th Street, Scottsdale
$3,500,000
5 Beds ⋅ 6 Baths ⋅ 7098831 MLS ⋅ 4,806 SqFt.
Spectacular new construction from AJF Custom Homes on 2.3 acres! The Main House features 3600sf, 3 BR/3.5 BA and a separate 1206sf Guest House. The Main House boasts a beautiful entertainer's kitchen with custom cabinetry, quartz countertops with stunning waterfall island, Wolf and Sub-Zero appliances. The Great Room design showcases an impressive floor-ceiling tiled wall with gas fireplace and artfully illuminated custom cabinetry. A GR telescoping patio door provides seamless indoor/outdoor living and opens to a resort style backyard oasis with heated pool & spa, firepit, plush turf, and oversized covered patio. The luxurious primary bedroom offers a spa inspired bathroom with glass & tile enclosed shower, soaking tub and a designer closet with custom cabinetry & washer/dryer capability All bedrooms are generous, with lavish en-suite bathrooms. Dining options include the dining room with access to the front courtyard for more entertaining options and a cozy breakfast nook. Your guest will arrive on the stunning circular pavered drive to a exquisite front courtyard entry. An additional pavered driveway leads to an oversized 3-car oversized Main House garage with epoxy flooring. The fully equipped Guest House also offers a gated front courtyard with beautiful mountain views and features custom cabinetry and quartz countertops in the kitchen and the 2 en-suite bedrooms. Two full bathrooms include custom tiled shower walls with decorative accents. The kitchen and great room overflow onto the covered back patio, providing a relaxing retreat. The Guest House includes a private 1-car epoxy coated garage and connections for washer and dryer.

29394 N 74th Street, Scottsdale

6447 N 17th Place, Phoenix
$689,900
5 Beds ⋅ 3 Baths ⋅ 7098803 MLS ⋅ 2,400 SqFt.
One of the best opportunities to own newer construction in the heart of North Central Phoenix, this 2022 Landsea home blends modern design with the convenience of one of the city's most sought-after locations. Offering five bedrooms and three full baths, the flexible floor plan is designed for the way people live today, whether you're accommodating a growing household, welcoming overnight guests, or creating the perfect work-from-home space. The bright, open great room flows effortlessly into a designer kitchen featuring quartz countertops, an oversized island with seating, soft-close cabinetry, stainless KitchenAid appliances, a six-burner gas cooktop, tile backsplash, and an expansive walk-in pantry. Wood-look tile flooring extends throughout the main level, while a first-floor bedroom and full bath provide exceptional flexibility. Step outside to a spacious backyard ready for entertaining, weekend barbecues, or creating your own outdoor retreat. Additional features include a tankless gas water heater, two-car garage, and energy-efficient construction. Perfectly positioned between the Biltmore, Uptown Plaza, and the Esplanade, you're minutes from some of Phoenix's favorite local restaurants, coffee shops, boutique shopping, fitness studios, hiking trails, and highly regarded public and private schools. Newer construction in North Central Phoenix is rare. Finding five bedrooms at this price point is even rarer.

6447 N 17th Place, Phoenix

760 N Ithica Street, Gilbert
$799,999
5 Beds ⋅ 4 Baths ⋅ 7098799 MLS ⋅ 4,418 SqFt.
Fully remodeled luxury residence in the prestigious Eldorado Lakes Community, backing to the golf course with panoramic views. Available furnished or unfurnished. Just Completed -- Major Upgrades This home has undergone significant recent improvements including a freshly remodeled swimming pool, a brand new ground-floor air conditioning system (upper-floor system replaced approximately five years ago), and a new 80-gallon Rheem Platinum ProTerra heat pump water heater -- a high-efficiency, high-capacity unit that dramatically reduces energy costs. Interior The chef's kitchen features white quartz countertops, GE Profile appliances, and a breakfast bar, with both a formal dining room and an eat-in kitchen for flexible entertaining. The formal living room offers soaringceilings and walls of natural light. The great room anchors the home with a cozy fireplace and generous open space ideal for entertaining or everyday living. Master Suite & Bedrooms The upper-level master suite includes a two-way fireplace shared between the bedroom and bathroom, with a private deck overlooking the pool and golf course. Three additional guest bedrooms and a fully remodeled bathroom complete the upper floor. The main floor features a second master suite with an ensuite bathroom, custom built-in cabinetry, and sliding glass barn-style doors perfectly suited as a guest suite, home office, or professional workspace. Garage & Security An oversized four-car garage with epoxy floors and ample storage includes a private, secure fourth stall suitable for additional storage or a dedicated workspace. The home is equipped with a monitored security system and is pre-wired for cameras and whole-house entertainment, including a theater-ready living room setup. Outdoor Living The backyard features the newly remodeled pool and tranquil water features, creating a private resort-style retreat with unobstructed golf course views.

760 N Ithica Street, Gilbert

5806 E Aspen Avenue, Mesa
$315,000
3 Beds ⋅ 2 Baths ⋅ 7098789 MLS ⋅ 1,834 SqFt.
Welcome home to this beautifully updated 3 bedroom, 2 bathroom home in the Westward Quest community. This home offers a bright sun room, a dedicated workshop, and plentiful storage throughout. Modern finishes, warm wood plank style LVP flooring, and fresh paint create a clean, inviting feel from the moment you arrive. The kitchen showcases white cabinetry with black hardware, quartz countertops, a stainless steel sink with a modern black faucet, and stainless steel appliances. A kitchen island adds extra prep space and a natural gathering spot. The dining area and living room are highlighted by vaulted ceilings with warm wood beam accents and recessed lighting, adding character and an open, airy feel. The primary bedroom features a vaulted ceiling with wood beam accents, a modern ceiling fan, and a closet. The primary bathroom offers marble flooring, white cabinetry with black hardware, a dual vanity with quartz countertops, modern faucets, and upgraded vanity mirrors. A separate soaking tub sits alongside a glass enclosed shower with black trim and marble tile. The secondary bathroom continues the modern style with marble flooring, white cabinetry with black hardware, quartz countertops, a modern faucet, and an upgraded vanity mirror lit by a modern light fixture above, along with a shower and tub combination. One secondary bedroom offers direct access to both the secondary bathroom and the sun room, along with closet space, while the other includes a walk-in closet. Outside, the backyard offers plenty of covered and uncovered patio space, ideal for enjoying Arizona living with room to relax in the shade or soak up the sunshine year round. This beautifully updated home is ready to impress. Come discover everything it has to offer.

5806 E Aspen Avenue, Mesa

22923 E Mayberry Road, Queen Creek
$809,950
4 Beds ⋅ 3 Baths ⋅ 7098777 MLS ⋅ 2,717 SqFt.
Why Wait to Build? Step Into a Nearly New Barney Farms Showstopper with a Resort-Style Backyard! Skip the wait, the builder delays, and the bare dirt. This stunning 4-bedroom, 3- bath home plus den in sought-after Barney Farms is practically brand new, and every finishing touch is already done. That includes a beautifully curated front yard and a lush, fully matured backyard oasis most new builds take years to create. Curb appeal starts the moment you pull up. The front yard is curated with low-maintenance turf that stays green year-round, with a paved driveway and a walkway leading to the inviting front patio and a beautiful iron front door that makes a grand first impression. Step inside and fall in love with the chef's kitchen, designed for serious cooking and effortless entertainment. An oversized quartz island anchors the space, with quartz countertops, soft-close white cabinets with built-in pull-out shelves, and a walk-in pantry. The gas stove, built-in wall oven, and microwave complete the setup. The kitchen flows into a spacious great room and dining area, all with sleek grey plank tile throughout. The great room also has the option for built-in surround sound, so movie nights and game days feel like a night out. Then the atrium window sliders with motorized track blinds open to the extended patio and pergola, and the whole backyard comes into view. Soak in the spa, relax under mature shade trees, and stroll past desert-friendly plants, dwarf citrus trees, and a soothing fountain. When it's time to entertain, the built-in BBQ kitchen has a Green Egg smoker included. A rain gutter misting system keeps those warm Arizona evenings comfortable. The large primary suite is your private retreat. The spa-inspired bath has a walk-in tiled shower with dual shower heads and a seating bench, plus a large walk-in closet. The additional bedrooms are spacious, and the den is ready to be a home office, playroom, or flex space. A whole-house water filtration system adds everyday comfort. Life in Barney Farms goes well beyond your front door. The community is surrounded by lakes and offers a rec center, pool and spa, and pickleball courts. This home has everything you would spend years and thousands of dollars adding after buying new, and it's all done for you.

22923 E Mayberry Road, Queen Creek

15226 N Zamora Plaza, Fountain Hills
$2,495,000
5 Beds ⋅ 6 Baths ⋅ 7098770 MLS ⋅ 5,710 SqFt.
A striking expression of contemporary architecture, extraordinary privacy, and breathtaking mountain vistas. Perched on an elevated .72-acre cul-de-sac lot in Fountain Hills' prestigious North Heights community, this distinctive residence offers a rare sense of escape, surrounded by the natural beauty of the Sonoran Desert. Sweeping views of Four Peaks and the Mazatzal Mountains create an extraordinary backdrop, while the surrounding natural landscape provides a sense of tranquility and seclusion. Bold cantilevered rooflines, soaring ceilings, and expansive windows create a captivating interplay of architecture, light, and landscape, bringing the beauty of the outdoors into focus. Inside, generous living spaces invite both intimate evenings and memorable gatherings, while a kitchen with dual islands, multiple fireplaces, and two primary suites on separate levels offer comfort and versatility. Outdoors, a private pool and spa provide a peaceful retreat, while an elevated viewing deck invites you to linger as the desert mountains change color with the fading light and city lights begin to sparkle below. Here, luxury is defined not simply by the home itself, but by the extraordinary setting, the quiet sense of seclusion, and vistas that never grow old. The adjacent corner lot may also be available for separate purchase, offering an opportunity for additional space and enhanced privacy.

15226 N Zamora Plaza, Fountain Hills

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