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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

$419,000
2 Beds ⋅ 2 Baths ⋅ 7026264 MLS ⋅ 1,890 SqFt.
RARE OPPORTUNITY! Welcome to a masterclass in contrasts--where high-desert drama meets waterfront serenity. This electrifyingly updated sanctuary merges sleek, contemporary design with the raw beauty of the Arizona landscape. Imagine entertaining in a chef's kitchen featuring custom cabinetry and exquisite granite, then enjoying a relaxing evening on your private, resort-style patio. This absolutely stunning home with custom upgrades boasts two bedrooms two bathrooms and a two car garage on the waterfront - a rare find in the community. The entire property has been meticulously upgraded from top to bottom, featuring newer modern paint throughout, and a thoughtfully reconfigured layout that delivers the open, contemporary feel today's buyers crave. With its bright, airy feel, curated finishes, and quick access to the lake, this is Arizona waterfront living at its absolute finest!

403 Leisure World --, Mesa
$398,999
3 Beds ⋅ 3 Baths ⋅ 7026023 MLS ⋅ 1,422 SqFt.
Bright, modern, and move-in ready--this highly desirable end-unit townhome in Mosaic at Layton Lakes checks every box. Built in 2021 with smart home features including WiFi connectivity and a smart lock system, this 3-bedroom, 2.5-bath home offers 1,422 square feet of stylish and functional living space. As an end unit, it offers extra privacy, plenty of natural light, and only one shared wall, making it feel more like a single-family home. The open-concept main floor features sleek tile flooring, beautiful wood cabinetry, quartz countertops, and plantation shutters that allow you to control both privacy and natural light with ease. A convenient powder room is located just off the kitchen. Upstairs, enjoy the privacy of a split floor plan, new vinyl plank flooring, placing the primary suite on its own side of the home, separate from the two additional bedrooms, full guest bathroom, and laundry closet. The primary suite is a true retreat, complete with a spacious walk-in closet and a luxurious en suite bath featuring executive-height dual sinks, quartz countertops, and a glass-enclosed walk-in shower with upgraded tile surround that elevates the entire space. The additional bedrooms are perfect for guests, kids, or home office use, and the second full bathroom offers convenience and comfort. You'll also appreciate the upstairs laundry and attached 2-car garage. Outside, enjoy resort-style amenities just steps from your front door pool, spa, shaded playground, picnic areas, and greenbelt walking paths. Located in the heart of Gilbert with access to the top-rated Chandler Unified School District, this home offers the perfect blend of comfort, privacy, and low-maintenance living.

779 E Doral Avenue Unit 104, Gilbert
$265,000
3 Beds ⋅ 2 Baths ⋅ 7025987 MLS ⋅ 1,088 SqFt.
Well-located 3-bedroom, 2-bath block home offering comfort, convenience, and easy access to some of Tempe's most popular destinations. Situated close to ASU, Sky Harbor Airport, shopping, dining, and everyday essentials. Enjoy a private courtyard patio with views of the grassy community park, playground, and pool, creating a comfortable outdoor space for relaxing or entertaining. With a functional layout, solid block construction, and a location that keeps you close to everything, this home is ready for its next chapter.

1022 W Malibu Drive, Tempe
$435,000
2 Beds ⋅ 3 Baths ⋅ 7025661 MLS ⋅ 1,369 SqFt.
Live the waterfront lifestyle in this beautifully updated and impeccably maintained 2-bedroom, 2.5-bath home in the gated community of The Lakes at Annecy in Gilbert. Perfectly positioned on the water and bordering a serene common area, this home offers both privacy and picturesque views. Inside, you'll find a light, bright, and immaculate interior with thoughtful updates throughout. Quartz counters with the marble look, under cabinet lighting, and stainless steel appliances in the kitchen. Each bedroom features its own en-suite bath, plus a convenient half bath downstairs for guests. The open layout is ideal for both everyday living and entertaining with 2 balconies with peaceful views. The location truly sets this home apart1 It's just 5 minutes from SanTan Village, Costco, top-rated restaurants, shopping, and Mercy Gilbert Medical Center. Whether you're looking for a luxurious lock-and-leave property, a low-maintenance lifestyle, or the perfect starter home, this one checks every box. Waterfront living, gated security, unbeatable convenience...welcome home.

1698 E Bridgeport Parkway, Gilbert
$312,500
2 Beds ⋅ 2 Baths ⋅ 7025376 MLS ⋅ 1,091 SqFt.
Embrace easy living in this remodeled, move-in ready 2-bedroom, 2-bath townhouse located in the highly desirable Greenfield Glen 55+ community. Thoughtfully updated from top to bottom, this charming home features a bright open-concept layout with new flooring, updated appliances, stylish light fixtures, and contemporary finishes throughout. New windows . It is a FHA/VA approved property Designed for comfort and convenience, this low-maintenance property is perfect for a lock-and-leave lifestyle or year-round Arizona living. Residents enjoy resort-style community amenities including a sparkling pool, beautifully maintained grounds, and a peaceful, welcoming atmosphere. Affordably priced and beautifully updated, this is an exceptional opportunity to enjoy carefree living

1021 S Greenfield Road Unit 1075, Mesa
$365,000
2 Beds ⋅ 3 Baths ⋅ 7025371 MLS ⋅ 1,168 SqFt.
Buyer for this house may be eligible for up to $17,500 down payment assistance grant. Updated townhome in the prestigious community The Islands, which boasts amenities such as 74 Acres of Lakes, 30 Acres of Grass, Basketball court, Sand Volleyball Court, Bocce ball court, Playground, Facility Rental, Ramadas and Charcoal Grills. The house is filled with natural light spilled into each room from its brand new windows. Kitchen is completely updated. It is also equipped with smart switches, thermostats, and Ring doorbell. Custom shelving in the walk-in closet, laminated wood floor downstairs, curtains and blinds, for additional comfort. Spacious back patio adjacent to grassy greenbelt with towering pine trees. There are two primary bedrooms . It is updated for maximum energy efficiency and c and convenience. It is a perfect home for you.

405 S Seawynds Boulevard, Gilbert
$240,000
1 Beds ⋅ 1 Baths ⋅ 7025275 MLS ⋅ 673 SqFt.
Live like you're on vacation every day in Val Vista Lakes, this is what Arizona living is all about! Resort-style amenities right outside your door. Think beach pool, lap pool, pickleball, and a full gym so you cancel your membership, plus a clubhouse access for gatherings, & even another private heated pool just for Beach Club Village residents. And when you're not enjoying the lifestyle, you'll love coming home to this adorable condo featuring a one-car garage with the living space all on one level upstairs featuring vaulted ceilings, a cozy fireplace, two private balconies, and thoughtful upgrades throughout. Located just off the US 60, you're about 30 minutes to the airport and close to everything across the Valley. Low-maintenance, lock-and-leave, and all about the lifestyle!

1633 E Lakeside Drive Unit 25, Gilbert
$410,000
2 Beds ⋅ 2 Baths ⋅ 7025185 MLS ⋅ 1,781 SqFt.
Wow, a villa on the water and the greenbelt with over a 9,000 sq.ft. lot! What more could you want in the award winning 55+ community of Province? This home has a split floorplan with guest bedroom in front and the master in back overlooking the water. Both the kitchen and the master have bay windows overlooking the water. You will find outdoor living at it's finest with multiple seating areas from the covered patio to extended patio with pergola and built in BBQ then you have the firepit and another seating area down by the water so you can listen to the water fall. Or, you could take a nap in the hammock on the side of the house while listing to the water. Did we mention the furniture stays? Need a car? Take a look in the garage. All of this in the guard gated 55+ lake community of Province, a 55+ adult community with activities to meet all your needs including a putting green, catch and release lakes and over 5 miles of walking paths. Province proudly sports 9 beautiful, lighted and dedicated pickleball courts with a very large and active recreational and competitive club, practice your putting, enjoy a game of bocce or play a game of tennis, is nothing short of "retiring like you mean it!" To wrap it all up, inside the 32,000 square foot club house, you have a fitness center, lap pool, large card/game rooms, library, billiards room, ceramic, sewing, and computer center besides the quaint, gorgeous outdoor pool for perfect solitude or fun gatherings with friends and family. The Duke golf course is less than a mile away in Rancho el Dorado and Southern Dunes golf course is less than 5 miles away.

20705 N Lemon Drop Drive, Maricopa
$399,900
3 Beds ⋅ 3 Baths ⋅ 7025137 MLS ⋅ 1,555 SqFt.
Live the ultimate Gilbert lifestyle in this stunning 3-bed, 2.5-bath townhome just steps from the vibrant Heritage District. Imagine walking to brunch at Culinary Dropout, dinner at OSHO, or drinks at Postinos--all minutes from your front door. This modern home features a spacious great room with trendy tile plank flooring, granite countertops, and stainless appliances. Convenience is key with an upstairs laundry (washer/dryer included), a private covered balcony, and an extended two-car garage for extra storage. Located in a premier gated community, you'll enjoy resort-style amenities including two pools, a gym, volleyball, and a playground. With easy access to the US-60, medical centers, and top-tier shopping, this is the perfect blend of luxury and location. Don't miss out!

240 W Juniper Avenue Unit 1140, Gilbert
$300,000
2 Beds ⋅ 2 Baths ⋅ 7025090 MLS ⋅ 1,252 SqFt.
Welcome to Park Premier South Townhouses in beautiful Tempe Arizona! Imagine a quaint place that is close enough to all the areas you need to be or like to be. Whether you are a student attending/will be attending Arizona State University, first-time homebuyer or downsizing and like to be close to all the great things the City of Tempe has to offer. Yet have the tranquility of a cozy home with new Pella dual pane windows, warm luxury vinyl plank flooring and freshly painted ceiling in a wonderful community with great amenities. Live the lifestyle you desire! There are ample grassy courtyards with mature tress. Take a dip or lounge around the community pool. Get more physical activity in, play a pick up basketball game or tennis with friends and neighbors at the community courts.

6747 S Jentilly Lane, Tempe
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