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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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Questions or need help to get started with the mortgage process?
Call/text us at (480) 442-2502 or click the LIVE CHAT below.

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

$275,000
2 Beds ⋅ 2 Baths ⋅ 7060396 MLS ⋅ 926 SqFt.
Become the proud owner of this lovely 2-bedroom, 2-bath townhome in Park Centre Casitas! Discover a serene living room with soaring vaulted ceilings, a soothing palette, abundant natural light, durable tile flooring, and an inviting fireplace. The eat-in kitchen comes with granite counters, chic pendant lighting, stainless steel appliances, and a peninsula with a breakfast bar for casual meals. The primary bedroom features soft carpeting, a private bathroom, and ample closet space. Unwind at the end of a long day on the cozy balcony, perfect for enjoying a good book or refreshing drinks. Don't miss out on this fantastic opportunity!

1001 N Pasadena -- Unit 101, Mesa
$240,000
2 Beds ⋅ 2 Baths ⋅ 7060359 MLS ⋅ 716 SqFt.
Welcome to this charming 2-bedroom, 2-bathroom residence in Casitas Tempe! 1 MILE FROM ASU!! Inside, you'll find wood-look flooring, vaulted ceilings, tons of natural light & a designer palette. The inviting living room is paired with sliding doors that open to the patio. Formal dining room! The kitchen offers a pantry, white cabinets, SS appliances & a pass-through window w/breakfast bar. All bedrooms come with carpet floors. The perfectly sized main bedroom has an ensuite w/walk-in closet, and access to the attached private yard. Outside, the pergola-covered patio provides a quiet retreat or additional space for entertaining. Storage room that could also be a workshop. Plus assigned parking space! Great location near major commutes, schools, shopping, dining, & more!

1827 E Kirkland Lane Unit A, Tempe
$449,000
3 Beds ⋅ 3 Baths ⋅ 7060305 MLS ⋅ 1,380 SqFt.
Welcome to this beautifully appointed 3-bedroom, 2.5-bath corner-end unit located in a gated community in one of Tempe's most desirable locations. Offering the perfect combination of style, comfort, and convenience, this home is ideal for both owner-occupants and investors alike. Step inside to discover soaring ceilings, abundant natural light, and an open-concept great room enhanced by recessed lighting. The thoughtfully designed kitchen features stainless steel appliances, a spacious dining area, and a large island with bar seating--perfect for entertaining or casual everyday living. A convenient powder room completes the main level. Upstairs, you'll find a private primary suite, two generously sized guest bedrooms, a full secondary bathroom, and an upstairs laundry room for added convenience. Enjoy one of the larger outdoor spaces in the community with a spacious backyard that's perfect for pets, entertaining, or creating your own outdoor retreat. A private two-car garage adds even more functionality. Residents enjoy exceptional community amenities, including an Olympic-size swimming pool, heated spa, BBQ area, and a dedicated dog park. Location is everything, and this home delivers. Just minutes from Sloan Park, home of the Chicago Cubs Spring Training, Tempe Marketplace, Mesa Riverview, and Arizona State University, you'll have easy access to premier shopping, dining, entertainment, and recreation. With quick access to major freeways and close proximity to ASU, this property also presents an outstanding opportunity for investors seeking strong rental demand from students and professionals alike. Whether you're searching for your next home or a smart investment in the heart of the Valley, this exceptional Tempe condo offers the lifestyle, location, and value you've been waiting for.

280 S Evergreen Road Unit 1368, Tempe
$265,000
2 Beds ⋅ 3 Baths ⋅ 7060296 MLS ⋅ 1,161 SqFt.
HUGE PRICE IMPROVEMENT! This two-story condo is full of character and truly move-in ready. Upstairs you will find two spacious bedrooms, each with its own walk-in closet and full bathroom, so everyone gets their own space and privacy. Downstairs, the living area has personality to spare with unique wall cutouts and a cute half bath! Recent updates include wood-look flooring, fresh white paint throughout, updated bathrooms, and stainless steel appliances in the kitchen. This home shows in amazing condition from top to bottom. Out front, a charming porch entry welcomes you home, but the back patio is where you will want to spend most of your time. It has been refreshed with new turf and a cozy seating area that is perfect for morning coffee or an afternoon iced tea. There are no neighbors There are no neighbors directly behind you. Complex also has a community pool. This one shows even better in person than it does in photos. Come see it for yourself.

220 N 22nd Place Unit 1071, Mesa
$324,900
2 Beds ⋅ 3 Baths ⋅ 7060277 MLS ⋅ 1,152 SqFt.
This exceptional 2-bedroom, 2.5-bathroom two-story townhouse condo is in pristine, move-in ready condition, offering a low-maintenance and functional multi-level layout. The main living space features a practical kitchen equipped with appliances providing a clean and reliable setup for all your daily culinary needs. Designed with comfort in mind, the private sleeping quarters upstairs feature plush carpeting in the bedrooms to ensure warmth and noise reduction underfoot, along with the convenience of a half-bath on the main floor for guests. Spotlessly prepared and meticulously maintained throughout, this turnkey property is completely ready for a stress-free transition into a cozy and effortless lifestyle.

860 N Mcqueen Road Unit 1119, Chandler
$400,000
3 Beds ⋅ 2 Baths ⋅ 7060272 MLS ⋅ 1,314 SqFt.
Well maintained cared for spacious two bedrooms upstairs one on the main level Living area has vaulted ceiling and wood burning fireplace Flooring is in excellent condition carpet on stairwell and upstairs bedrooms Garage is deep comfortable for any vehicle Private yard backs to common wash area

338 E Larkspur Lane, Tempe
$360,000
4 Beds ⋅ 3 Baths ⋅ 7060233 MLS ⋅ 1,963 SqFt.
Welcome to this move-in-ready 3-bedroom, 2.5-bath tri-level townhome in the gated Lake Park community of Dobson Ranch, one of Mesa's most sought-after neighborhoods. Ideally situated with golf course VIEWS and directly across from the community pool, this beautifully maintained home offers fresh interior paint, newer windows, new stainless steel appliances, a water softener, and durable hard-surface flooring throughout. The main living level features an open living and dining space, an inviting kitchen, guest bath, and a private balcony overlooking the Dobson Ranch Golf Course. Upstairs, the spacious primary suite is joined by two generously sized secondary bedrooms and a full guest bath, while the lower level provides a flexible bonus room perfect for a home office, media room, fitness studio, guest suite, or second living area with walkout access to a private patio and grassy yard. An oversized laundry room offers additional storage and potential to add another bathroom. Additional highlights include a gated front courtyard, detached one-car garage with storage, and access to Dobson Ranch's renowned amenities including lakes, walking and biking paths, community pool, dog park, golf, and beautifully maintained common areas. Conveniently located near US-60, Loop 101, shopping, restaurants, parks, and entertainment, this home offers the perfect combination of low-maintenance living, flexible space, and an exceptional Mesa lifestyle.

2524 S El Paradiso Drive Unit 40, Mesa
$340,000
3 Beds ⋅ 3 Baths ⋅ 7060183 MLS ⋅ 1,566 SqFt.
Recently updated and move-in ready home located in a gated community with no carpet. This 3-bedroom, 2.5-bath townhome offers the perfect blend of style, comfort, and convenience. Fresh interior paint and new tile flooring throughout the downstairs and all bathrooms creates a clean, modern feel in this open floorplan. Upstairs, the primary suite is a true retreat, featuring two walk-in closets and a private balcony. Each secondary bedroom also includes its own walk-in closet, providing exceptional storage. Convenient upstairs laundry room, attached 2-car garage, and private courtyard just outside the front door. This desirable gated community offers residents access to a sparkling community pool and relaxing spa, offering resort-style amenities just steps from home. GO AND SHOW

6710 E University Drive Unit 124, Mesa
$489,000
3 Beds ⋅ 3 Baths ⋅ 7060128 MLS ⋅ 1,456 SqFt.
LOCATION! PRICE IMPROVEMENT! This stunning property in PRISTINE CONDITIONS offers a blend of convenience and LUXURY. Located in Treviso at Echelon, coveted resort-style gated neighborhood in the Ocotillo Masterplan Community. Stepping into the door you'll get a new-build feel. Designed for effortless living, this SMART home features 3 bedrooms, 2.5 bathrooms, spacious living room, and highly upgraded gourmet kitchen. SONOMA Maple Linen cabinets, QUARTZ countertops, stainless steel appliances, gas range. Upgraded Super Luxury floor. Pre-wired for internet connections. RING door alarm system. Separate laundry room upstairs with washer/dryer included. Tankless water heater. Water softener system. 2-car garage with private driveway. Private Front courtyard for additional enjoyment of Arizona

4077 S Sabrina Drive Unit 30, Chandler
$299,000
3 Beds ⋅ 2 Baths ⋅ 7059964 MLS ⋅ 1,408 SqFt.
Fully remodeled 3-bedroom townhome 2.7 miles from ASU - rare in Tempe under $300,000 and an easy fit for an owner-occupant or investor. The 2020 renovation covered the kitchen, baths, and flooring, and the big-ticket items are done: new roof, Pella windows, and water heater in 2025, HVAC in 2019, appliances 2019 or newer. Ring system, new security door, indoor laundry, walk-in closet, storage shed, and 2 assigned covered carport spaces. One of the best positions in Tempe Gardens, opening to expansive grassy common area. The HOA covers exterior maintenance and roofing, plus community pool, playground, and clubhouse. From Mill Ave you're roughly 8 minutes to Arizona State University, minutes from 125-acre Kiwanis Park, and close to the 60, 101, and 10. Live in it, hold it, or rent it out.

5029 S Mill Avenue, Tempe
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