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We can help you get qualified for ANY AZ mortgage so you can buy a home including the several Down Payment Assistance Programs in AZ!   There are a few First Time Home Buyer Programs in AZ as well!! Which mortgage program is best for you?  What program will get you the best payment?  Are you looking for an FHA Loan, VA Loan, USDA Loan, Jumbo Loan or a Conventional Loan?  We're here to help get you the most up to date mortgage rates in Arizona with the best payment that fits your situation!

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Step 2: KNOW THE BENEFITS OF HOME OWNERSHIP

One of the key factors in your decision related to buying a home in Arizona is knowing the benefits of home ownership.

If you are deciding if you should buy a home, you want to know the financial and social benefits of home ownership.

What Are the Benefits of Home Ownership?

Pride in Home Ownership

There is a special kind of pride in home ownership that you just won’t get by renting. When you buy a home, you experience a sense of accomplishment. You worked hard to be able to buy your home and now you can make it your own. You can furnish it the way you want and you can decorate it to your liking. You can maintain it and keep it beautiful. Your home becomes an extension of who you are and you take pride in owning your home. The results of one recent survey indicated that Americans believe that owning their own home is as important as being successful at their job.

Stability and Security

Your home is a place to call your own. It is your shelter in more ways than one. It provides protection against both physical and non-physical elements. Among the social benefits of home ownership is the fact that owning a home can provide a feeling of comfort and stability. You gain a feeling of belonging and sense of community as you plant roots and create strong ties with your family, friends and neighbors.

Because You Own Your Home, You Can Tailor It to Make It Yours

It’s your home. You can do what you want to it. This is a pretty simple concept, but it is significantly different from renting. If you want to repaint, you can. If you want to install different flooring, you can. If you want to remodel the home, you can. If you want to put in a pool, you can. You’re only limited by your budget, your local building codes and possibly your home owners association.

Owning Can Be Cheaper Than Renting

When you buy a home, you decide what you can afford and how much you want to put down. Most people finance their home and have a monthly payment. If you have a fixed-rate mortgage, then your principal and interest payments will never go up. Furthermore, over the life of the loan, the amount that you pay in monthly interest will decrease as you pay down the loan. On the other hand, the market level for rental payments typically increases year over year.

Owning A Home Builds Wealth

“Homeownership plays a pivotal role in the U.S. economy and has historically been one of the primary sources of wealth accumulation for middle class families,” – Lawrence Yun, NAR Chief Economist

Look at the Buy versus Rent example provided in Step 1: SHOULD YOU BUY A HOME IN ARIZONA? of this series.

In that example it showed that renting this home in Avondale, Arizona would result in rent payments of close to $70,000 over 5 years with no return and no wealth creation. However, if you bought the same home, with a purchase price of $154,600, your mortgage payments over 5 years would likely be a little less (yes, owning can be cheaper than renting). However, you would have over $52,000 in equity. That is your money! Plus, in that example, owning the home resulted in an additional $11,000 in tax deductions.

With that said, it is likely that either you or someone you know lost their home – or their equity – in the past decade’s financial crisis. Many people learned that home values don’t always go up. Home values fluctuate; they go up, down and stay flat. Nevertheless, most people agree that, even when adjusting for inflation, home values increase to over time.

Even if you believe you can’t count on appreciation, you can still think of your home as a forced long-term savings plan. When you pay your mortgage every month, a portion of the payment reduces the amount that you owe. This monthly reduction of your mortgage increases your equity. Eventually, you should be able to pay off your home and you will no longer have a mortgage payment.

Home Ownership Has Tax Benefits

If you want to know for certain what tax advantages you will have by owning a home, you should speak to your personal CPA or tax advisor. When you do, here is a short list of the benefits of home ownership that you should ask her or him about:

Mortgage Interest Deduction: Typically, you are allowed to deduct the mortgage interest that you pay from your taxes owed. If you pay points to buy down your interest rate, they may be deducted too. Finally, if later on you choose to obtain a loan against your home to do home improvements, the interest on that loan may be deductible too.

Property Taxes: To avoid double taxation, property taxes that you pay on your home is typically fully deductible from your federal income taxes.

Home Office Deduction: If you use a portion of the home exclusively for an office for your work or small business, you may be able to deduct certain home expenses from your taxes.

Capital Gains Exclusion: If, after living in your home for two years (two out of the last five to be precise), you sell your house for a gain, you may be able to keep the profits as tax-free income. There are restrictions that apply, but they are fairly generous to the average American.

Other Limited Benefits: There are a few other tax benefits for which you may be eligible depending on where you live, how you bought your home, if you have private mortgage insurance or if your house has certain energy-saving systems (ex. solar panels). These benefits are often restricted and/or temporary so you need to do your homework.

You can find Tax Information for Homeowners from the IRS here.

Legal Disclaimer

This home buyer series is intended to provide general information regarding the process of how to buy a house in Arizona. It is not intended to provide buyers with legal, accounting or financial advice. You are advised to seek the services of a skilled professional this those fields.

Additionally, this home buyer series does not set forth all qualification criteria for any of the loans described herein; all interested persons must successfully meet qualification criteria and complete the application process to obtain such loans.

HOMES WE CAN HELP YOU FINANCE

$355,000
2 Beds ⋅ 3 Baths ⋅ 7061810 MLS ⋅ 1,100 SqFt.
Welcome to this beautiful 2-bathroom home in the desirable Villagio at Tempe community. The open great-room floor plan features a spacious kitchen and comfortable living area. Both bedrooms include generous walk-in closets, and the home also offers convenient inside laundry. Ideally located near the Loop 101 and 202 freeways, ASU and Tempe Marketplace. This well-maintained property combines comfortable living, attractive community amenities, and highly convenient Tempe location.

2402 E 5th Street Unit 1555, Tempe
$327,500
3 Beds ⋅ 2 Baths ⋅ 7061734 MLS ⋅ 1,385 SqFt.
**BRAND NEW A/C installed in July 2025!** Enjoy peace of mind knowing this high-efficiency system is only one year old and comes with a transferable warranty for the new owner. Welcome to this beautifully maintained home in the highly sought-after **Augusta Ranch** community, where comfort, convenience, and lifestyle come together. Perfectly situated close to the neighborhood's sparkling community pool, you'll enjoy resort-style amenities practically right outside your door. Inside, you'll find an inviting open-concept floor plan designed for both everyday living and effortless entertaining. The great room flows seamlessly into the kitchen, creating a bright and welcoming atmosphere. The kitchen is equipped with sleek stainless steel appliances, generous counter space, and excellent sightlines to the main living areas, making it ideal for hosting family and friends. One of the home's most striking architectural features is the stunning industrial-style spiral staircase, which leads to an expansive loft. Whether you're looking for a home office, game room, media space, workout area, or additional living room, this versatile loft offers endless possibilities. The thoughtfully designed split-level floor plan provides exceptional functionality. The private primary suite is conveniently located on the first floor with easy access from both the front entry and the attached two-car garage. The laundry room is also located on the first level, adding to the home's everyday convenience. Upstairs, you'll find two additional bedrooms, a full bathroom, and the main living spaces, offering an ideal layout for families or guests. Located just steps from the community pool, this home also backs up the incredible Augusta Ranch lifestyle with a beautiful tree-lined greenbelt nearby and an elementary school within easy walking distance. The HOA takes care of all front landscaping, giving you more time to enjoy the community and less time worrying about yard maintenance. Families will appreciate being located within an award-winning school district, including a highly regarded elementary school. Augusta Ranch is known for its prime Mesa location with convenient access to both the US-60 and Loop 202, making commuting throughout the Valley quick and easy. You'll also be just minutes from a wide variety of shopping, dining, entertainment, golf, and everyday conveniences. This exceptional home combines a versatile floor plan, beautiful community amenities, low-maintenance living, an unbeatable location, and the added value of a brand-new A/C system. Don't miss your opportunity to own a home in one of Mesa's most desirable neighborhoods!

9233 E Neville Avenue Unit 1147, Mesa
$250,000
2 Beds ⋅ 2 Baths ⋅ 7061417 MLS ⋅ 1,113 SqFt.
Pride of ownership shines throughout this hard-to-find 2-bedroom, 2-bathroom townhome with a 1-car garage in the highly desirable Red Mountain Villas community. This truly move-in-ready home has been extensively updated from top to bottom, including a 1-year-old A/C unit, new luxury vinyl plank flooring throughout, new baseboards, resurfaced kitchen cabinetry, a new single-basin sink with faucet and garbage disposal, and a complete set of brand new black & SS appliances, including the washer and dryer. The spacious primary suite features a beautifully remodeled walk-in shower, with brand-new bathroom vanities currently being installed. Additional upgrades include new lighting and ceiling fans throughout, new backsplash, new toilets, angle stops, and more. Homes in Red Mountain Villas rarely become available making this an exceptional opportunity you won't want to miss. Residents enjoy a beautifully maintained community featuring a heated pool and spa, perfect for year-round relaxation. Enjoy carefree living with HOA-maintained front and back landscaping, making this beautifully maintained home the perfect lock-and-leave residence for winter visitors, seasonal homeowners, or anyone seeking a low-maintenance lifestyle. Conveniently located just minutes from the Loop 202, you'll enjoy quick access to shopping, dining, hospitals, multiple golf courses, miles of scenic hiking and biking trails, and Saguaro Lake--all just 15 minutes away.

1951 N 64th Street Unit 4, Mesa
$298,000
2 Beds ⋅ 2 Baths ⋅ 7061395 MLS ⋅ 1,227 SqFt.
Beautifully maintained end-unit home in a fantastic location within the community! Enjoy added privacy and a short walk to the kids' play area and community pool. The 1-car garage is located directly beneath the home and features private interior stairs leading to all living spaces on the second floor, plus a separate storage area for added convenience. Inside, you'll find a spacious kitchen with cherry cabinetry, a glass-top range, and a refrigerator included. The kitchen opens to a balcony-perfect for enjoying your morning coffee or evening breeze. The generously sized primary suite features a private bath, while the large secondary bedroom has access to a second full bath. Gray wood-look LVP flooring, installed in 2021, add to the home's modern, inviting feel. Great access to 202/60.

1265 S Aaron -- Unit 293, Mesa
$334,900
2 Beds ⋅ 3 Baths ⋅ 7061315 MLS ⋅ 1,200 SqFt.
Welcome home to this desirable CORNER UNIT TOWNHOUSE featuring 2-BEDROOMS, 2.5-BATHS, and 2 PRIVATE ENSUITE BATHROOMS. This OPEN-CONCEPT home showcases TILE & WOOD/LAMINATE flooring throughout and offers a spacious kitchen with MAPLE CABINETRY, GRANITE COUNTERS, STAINLESS STEEL APPLIANCES, and a BREAKFAST BAR--perfect for everyday living and entertaining. Convenient UPSTAIRS LAUNDRY is located near the bedrooms, while the main-level POWDER ROOM adds extra convenience. Relax on your PRIVATE PATIO with an exterior STORAGE ROOM and enjoy the convenience of 1 COVERED PARKING SPACE. Residents also enjoy COMMUNITY POOLS, ASSIGNED PARKING, and beautifully maintained COMMON AREAS with HOA-maintained FRONT LANDSCAPING. Ideally located near SCHOOLS, SHOPPING, RESTAURANTS, PARKS, and MAJOR FREEWAYS. A fantastic opportunity for FIRST-TIME HOME BUYERS, DOWN-SIZERS, or INVESTORS.

1600 N Saba Street Unit 172, Chandler
$339,950
2 Beds ⋅ 2 Baths ⋅ 7061085 MLS ⋅ 1,237 SqFt.
Location, location, location! Don't miss this incredible opportunity to own a single-level townhome in the highly desirable Dana Ranch Villas. Ideally situated less than five minutes from US-60 and just one mile from Village Square at Dana Park, you'll enjoy convenient access to shopping, dining, and entertainment. This freshly painted 2-bedroom, 2-bath home with a 2-car garage features an open, light-filled floor plan with vaulted ceilings, beautiful wood flooring, and new plush carpet in both bedrooms. The spacious kitchen offers ample cabinetry and counter space and includes all appliances, including the refrigerator. The inside laundry room comes complete with a side-by-side washer and dryer for added convenience. Step outside to enjoy your private, fenced backyard with a covered patio, perfect for relaxing or entertaining, as well as a charming front courtyard that adds to the home's welcoming appeal. The beautifully maintained community features lush green landscaping, mature shade trees, and a community pool just a short stroll away. Combining comfort, convenience, and an unbeatable location, this move-in-ready home is one you won't want to miss!

3510 E Hampton Avenue Unit 49, Mesa
$290,000
3 Beds ⋅ 2 Baths ⋅ 7061065 MLS ⋅ 1,368 SqFt.
3 bed, 2 bath property nestled in Ville Monaco! Great location close to restaurants, parks, medical centers, and schools.

5256 S Monaco Drive, Tempe
$260,000
2 Beds ⋅ 2 Baths ⋅ 7061010 MLS ⋅ 1,100 SqFt.
Location, Location, Location! Beautifully remodeled and move-in ready, Offers one of the best locations in the community! Backing to the expansive community lawn and just steps from the sparkling pool, you'll enjoy a resort-style convenience. Ideally situated just minutes from Sloan Park, Arizona State University, shopping, dining, and easy access to the US-60 and Loop 101. Inside, you'll find stylish modern updates throughout, including dual-pane windows, a spacious living area perfect for relaxing or entertaining, and a powder room on the main level. Upstairs features two generously sized bedrooms and and bathroom. The attached exterior storage room houses the laundry area and provides additional storage space.

1500 W Rio Salado Parkway Unit 64, Mesa
$400,000
3 Beds ⋅ 3 Baths ⋅ 7060699 MLS ⋅ 1,623 SqFt.
Awesome Historic Downtown Chandler. Only 2 floorplans like this in the complex! 2 levels - 3bd/ 3 ba-1 bed and full bath downstairs. tons of built ins. Walk to your favorite restaurants, pubs, coffee shops, San Marcos golf course, weekly farmers market, library, shopping, movie theater, Chandler Center for The Arts, & SO much more! End unit with only one shared wall. Spacious kitchen with granite countertops is open to the great room. Main suite features oversized master bath and it's own private cozy balcony! Second bedroom also features it's own private balcony! Relax poolside at the beautiful resort style community pool & spa! Easy access to Loop 202, Loop 101 & 10 min from the booming Price Corridor. 2 car garage has A/C. Can be used as game room -can be garage

123 N Washington Street Unit 7, Chandler
$248,900
2 Beds ⋅ 2 Baths ⋅ 7060675 MLS ⋅ 945 SqFt.
Just Remodeled 2 Bdrm, 2 Bath Townhome with Private Covered Patio, Carport and Community Pool. Gourmet Kitchen with New Quartz Countertops, New Cabinets, Custom Tile Backsplash, New Stainless-Steel Appliances and New Refrigerator. The Kitchen leads out to a Large Great Room with Vaulted Ceiling and Arcadia Door to Access the Covered Patio and Fenced-in Private Backyard. Both Bedrooms have Walk-In Closets and Tile Plank Floors. The Master Bath has Custom Tile Shower, New Cabinets, New Quartz Countertops, New Sinks, and New Plumbing Fixtures. New Paint, New Fans, New Lighting and Plumbing Fixtures Throughout. Laundry is Inside. This is a Well-Maintained Complex with a Community pool and Grassy Areas.

629 N Mesa Drive Unit 27, Mesa
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