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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

$419,000
4 Beds ⋅ 3 Baths ⋅ 7030807 MLS ⋅ 1,701 SqFt.
Beautifully maintained by the original owner and never used as a rental! This premium floorplan includes a full bedroom/office on the first floor, perfect for guests, multi-generational living, or working from home. Fresh new interior paint, brand new stainless steel microwave and range. Enjoy high ceilings extending from the second to third floor, creating an open and bright atmosphere throughout. The spacious third floor offers a large loft with endless possibilities for entertainment, game room, or additional living space. Conveniently located just minutes from Chandler Fashion Center, wholesale stores, grocery shopping, dining, and easy access to Loop 101 and Loop 202 freeways. A rare opportunity to own a spacious and well-cared-for home in an excellent location!

900 S 94th Street Unit 1188, Chandler
$275,000
3 Beds ⋅ 2 Baths ⋅ 7030094 MLS ⋅ 1,118 SqFt.
MOTIVATED SELLER! JUST REDUCED! Beautifully updated 3-bedroom townhome featuring a highly desirable floorplan with one bedroom conveniently located on the main level complete with its own en suite bathroom -- perfect for guests, multigenerational living, or a private office setup. The stylish kitchen has been thoughtfully updated with sleek quartz countertops, white cabinetry, and modern floating shelves, creating a bright and inviting space that flows seamlessly into the main living areas. Cozy up by the fireplace in the living room, while upstairs the spacious primary suite also features its own fireplace for an added touch of warmth and charm. Additional highlights include in-unit laundry, a private and cozy enclosed patio perfect for relaxing and a dedicated 1-car carport

510 N Alma School Road Unit 210, Mesa
$440,000
2 Beds ⋅ 2 Baths ⋅ 7029690 MLS ⋅ 1,538 SqFt.
Experience resort-style living in the highly sought-after community of Encanterra Golf & Country Club. This beautifully designed Resort Collection Evia model offers the perfect blend of efficiency, comfort, and low-maintenance lock-and-leave living. Featuring 2 bedrooms plus a flexible den space, this thoughtfully designed floorplan lives larger than its footprint with open-concept living and smart use of space throughout. Encanterra residents enjoy a true resort experience with world-class amenities including championship golf, resort pools, fitness center, pickleball, member clubs, events and concerts. On site private dining at Palma Tap and Kitchen. This community offers a lifestyle unmatched in the southeast valley.

292 E Las Puertas Lane, Queen Creek
$299,500
3 Beds ⋅ 2 Baths ⋅ 7029422 MLS ⋅ 1,081 SqFt.
***Motivated Seller*** Beautiful 3 bedroom 2 full bath Condo in Tempe right next to ASU Campus! Freshly Painted, New Flooring, Community Pool, Raised panel cabinets and a breakfast bar. Walk to Resturants ,close to shopping shops on Mill Ave. This is one of a kind floor plan on the 2nd floor with balcony.

510 W University Drive Unit 208, Tempe
$329,900
3 Beds ⋅ 2 Baths ⋅ 7028802 MLS ⋅ 1,571 SqFt.
Welcome to resort-style living in the prestigious gated community of Province -- an exclusive active adult neighborhood offering 24-hour guarded security, incredible amenities, and a vibrant lifestyle. This absolutely stunning 1,500+ square foot home combines comfort, elegance, and low-maintenance living in one beautifully designed package. Inside, you'll find soaring 9-foot ceilings, three spacious bedrooms, and two full bathrooms thoughtfully laid out for both everyday comfort and entertaining. Tasteful ceramic tile and luxury vinyl flooring throughout provide beauty and easy maintenance. The spacious primary suite is a peaceful retreat featuring a charming bay window overlooking the private backyard, while the en suite bathroom offers dual sinks, a spacious shower, and an oversized walk-in closet. The heart of the home is the expansive family room, kitchen, and dining area -- ideal for relaxing evenings or hosting family and friends. A cozy gas fireplace adds warmth and ambiance during Arizona's cooler months. The beautifully upgraded kitchen features rich cherry wood cabinetry with pull-out drawers in all lower cabinets, abundant granite countertop space, and plenty of room for cooking and entertaining. The dining area easily accommodates a large table and offers lovely views of the patio and backyard oasis. The two-car garage, conveniently accessed through the laundry room, includes extensive built-in cabinetry and attractive epoxy flooring for a clean, organized appearance. Step outside to your private patio and lush backyard retreat where colorful landscaping creates a serene desert oasis perfect for relaxing mornings or evening gatherings. Additional upgrades including sunscreens, whole-house water filtration, and a reverse osmosis system enhance the efficiency and comfort of this exceptional home. Living in Province means enjoying world-class amenities designed for an active and social lifestyle. Residents have access to media rooms, game rooms, a library, pickleball and tennis courts, indoor and outdoor pools, a heated spa, fitness center, and countless community activities that make it easy to connect with neighbors and stay active year-round. Even better, the HOA assessment includes roof maintenance, exterior home maintenance, and front yard landscaping -- giving you more time to enjoy everything this incredible community has to offer. This is more than just a home -- it's the lifestyle you've been waiting for.

41975 W Ellington Lane, Maricopa
$280,000
2 Beds ⋅ 2 Baths ⋅ 7028699 MLS ⋅ 1,336 SqFt.
Beautifully maintained property in a highly sought-after North Mesa townhome community! The kitchen offers oak cabinetry, newer countertops, black appliances, built-in microwave, and refrigerator included. Wood flooring in main living and carpet in bedrooms. Spacious primary suite with walk-in closet. Major updates include A/C replaced in 2017 and water heater in 2016. Attached 2-car carport plus TWO storage sheds provide excellent storage. Enjoy the private courtyard with tiled flooring, pergola, and lush plants. Screen doors, washer, dryer, and fridge all convey! Resort-style community amenities include clubhouse, pool, basketball court, playground, mature trees, and greenbelts. Prime location near the 202, 101, Tempe, Scottsdale, and ASU!

1550 N Stapley Drive Unit 79, Mesa
$299,900
3 Beds ⋅ 2 Baths ⋅ 7028514 MLS ⋅ 1,400 SqFt.
**Priced Right & Perfectly Located!** Now is the time to take another look at this beautifully maintained 3-bedroom, 2-bath townhome in a gated Mesa community! With school back in session and everyday routines in full swing, this location makes life easy--just minutes from Mesa Riverview, Tempe Marketplace, Sloan Park, ASU, MCC, Banner Desert, Loop 101, US-60, and Sky Harbor. Inside, enjoy a spacious open living area, sleek two-tier breakfast bar, granite countertops, stainless steel appliances, and a primary suite with walk-in closet and spa-like shower. Step outside to your private balcony or enjoy the sparkling community pool. An attached garage adds everyday convenience. **Great location, move-in ready, and priced right--this is one you won't want to miss!**

805 S Sycamore Street Unit 203, Mesa
$355,000
3 Beds ⋅ 3 Baths ⋅ 7028280 MLS ⋅ 1,704 SqFt.
Freshly painted, all wooden flooring and no carpet. Two car assigned parking and walkable distance to shopping area. Close to aldi, fry's Walmart and lot of other areas. Close to ASU and good for college students if they want to share the rooms.

3320 S Juniper Street, Tempe
$479,900
2 Beds ⋅ 2 Baths ⋅ 7028188 MLS ⋅ 1,342 SqFt.
This absolutely STUNNING, one of a kind, designer Loft at the Orchidhouse shows as well as it did when it was featured in 'Desert Living' Magazine! Offering Downtown Tempe living at it's absolute finest, this 2 bedroom, 1.5 bathroom, modern dwelling places you right in the heart of shopping, dining, theatre, sports, and the cultural center! Completely Move In Ready... wood style flooring and tile installed throughout. Boasts a modern glass waterfall fountain! This is a must see loft for any clients with modern design taste! Mere moments away from Mill Avenue, Tempe Town Lake, the Light Rail, and Mill Ave Streetcar, this loft is certainly one of the nicest in Downtown Tempe, if not the entire valley!!

21 E 6th Street Unit 510, Tempe
$289,000
2 Beds ⋅ 2 Baths ⋅ 7028028 MLS ⋅ 999 SqFt.
4.5 miles to ASU! FULLY FURNISHED all appliances included! If buyer prefers, furnishings can be removed, buyers choice. Beautifully updated 2 bed, 2 bath ground-floor, corner. Turn key unit was completely remodeled in 2022 offering an open layout with vaulted ceilings, fireplace and tile floors throughout plus a stacked washer/dryer. Kitchen has stainless steel appliances, granite counters with a pantry. Private covered patio, attached 1-car garage, new HVAC installed in 2022 and just serviced in May 2026, and low-maintenance living with no exterior upkeep. Rec center, fitness center, pool, and spa. Conveniently located near shopping, dining, freeway access, airport and ASU. Perfect for seasonal living, first time home buyer or investors seeking low maintenance and a great valu

2333 E Southern Avenue Unit 1073, Tempe
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