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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

$274,500
3 Beds ⋅ 2 Baths ⋅ 7070833 MLS ⋅ 1,153 SqFt.
PRICE TO SELL, and MOVE IN READY! This lovely single-story, 3-bedroom, 2-bath townhome blends modern style with everyday functionality. The spacious living room opens to a large private back patio with a generous storage room and convenient access to the community pool--perfect for relaxing or entertaining. The kitchen features ample brand-new cabinetry and counter space, built-in appliances, and a seamless flow into the dining area. The primary bedroom offers a full walk-in closet and a spacious bathroom, which also provides convenient access to the back patio through a sliding glass door. Ideally located near Mesa Community College (MCC), shopping, dining, and major freeways, this townhome offers comfort, convenience, and an excellent location.

1051 S Dobson Road Unit 194, Mesa
$450,000
2 Beds ⋅ 2 Baths ⋅ 7070814 MLS ⋅ 1,397 SqFt.
Beautifully upgraded townhome featuring a brand-new roof and stylish finishes throughout! This inviting 2-bedroom home, each with their own en-suite bathroom, offers a low-maintenance lifestyle with all appliances included. Enjoy a beautifully maintained front yard cared for by the HOA, plus a private low-maintenance backyard perfect for relaxing or entertaining. Ideally located just steps from the community pool, this home combines comfort, convenience, and easy living!

716 N Jentilly Lane, Chandler
$349,900
3 Beds ⋅ 2 Baths ⋅ 7070809 MLS ⋅ 1,320 SqFt.
Prized single-level corner/end-unit location with picture-window views across an expansive, tree-lined greenbelt. Step outside to an unusually open and peaceful setting with broad lawns, mature shade trees and a sense of privacy rarely associated with townhouse living.This beautifully updated 3-bedroom, 2-bath home combines an unusually open and private setting with the ease of low-maintenance townhouse living. Thoughtful improvements include a new HVAC system (2024), new kitchen appliances (2025), new Pergo flooring and 3-inch baseboards throughout (2026), fresh interior paint (2026), and new recessed dual-position kitchen lighting (2026). The primary bath has been refreshed with a new countertop, mirror and lighting, while the secondary bath cabinetry has been refinished. Beyond the home itself, Park Riviera offers the combination that's increasingly difficult to find in the heart of the Valley: established surroundings, generous green space and low-maintenance living in an exceptionally convenient Tempe location. ASU, Sky Harbor International Airport, Old Town Scottsdale, Downtown Phoenix and Tempe Marketplace are all within easy reach, along with convenient access to the Valley's major freeways. Residents enjoy two community pools, walking paths and a playground, while HOA roof maintenance helps simplify ownership. Whether used as a full-time residence, seasonal retreat or convenient home base for someone frequently on the Kitchen cabinetry and countertops were previously updated, and a freshly painted front door adds to the homego, the emphasis here is on enjoying where you live rather than spending your weekends maintaining it. With the updating already done, there's little left to do but settle in and enjoy the home, the setting and everything this central Tempe location has to offer.

4806 S Birch Street, Tempe
$275,000
2 Beds ⋅ 2 Baths ⋅ 7070622 MLS ⋅ 1,403 SqFt.
Welcome to this charming, move-in ready home in Province, one of Maricopa's sought-after 55+ communities. This 2-bedroom, 2-bath home has a warm, inviting feel with fresh interior paint and newer flooring throughout. The kitchen features a beautiful cast iron sink, and the home has been thoughtfully updated and well cared for. Step outside to enjoy a beautifully landscaped backyard with mature ficus trees, planter boxes and a spacious pergola perfect for entertaining or relaxing with friends. One of the best features is the location! Situated just a short distance from the Province community center, you'll have easy access to the pool, fitness center, clubhouse and all the activities and amenities that make Province such a special place to live.

20674 N Licorice Lane, Maricopa
$475,000
2 Beds ⋅ 2 Baths ⋅ 7070440 MLS ⋅ 1,423 SqFt.
Turnkey at no additional cost. Carefree, gated golf course community ideally located in Northeast Mesa. This exceptional offers desirable north/south exposure & showcases true pride of ownership. The beautifully maintained 2-bedroom, 2-bath home features a private courtyard entry w/ custom iron screen door. Inside, abundant natural light highlights the open, flowing floor plan. The chef-style kitchen is appointed w/ upgraded solid wood cabinetry, granite countertops & an oversized prep island, opening seamlessly to both an informal dining area and a formal dining room with elegant plant shelves. The spacious great room is anchored by a beautiful gas fireplace, creating a warm and inviting space for relaxing and entertaining.Thoughtful upgrades include engineered hardwood and tile flooring plantation shutters, designer light fixtures and ceiling fans and two toned interior paint throughout. The owner's suite offers a serene retreat , a walk-in closet, dual sinks, soaking jetted tub and a beautifully tiled walk-in shower. The guest suite is generous in size and adjacent to a full bath featuring a fully tiled shower. The interior laundry room includes a washer and dryer with cabinets. The extended-length two-car garage features epoxy flooring for a polished look. Step outside to your private backyard oasis with a covered patio, extended paver area, gas fireball pots and lush landscaping ideal for outdoor dining and relaxation. Enjoy resort-style living with access to Painted Mountain Golf Course, clubhouse, heated pool & spa, fitness center, and more! Conveniently located near shopping, dining and freeway access. This home truly embodies the luxury lock-and-leave lifestyle you've been waiting for. Tuscany Villas residents enjoy an exceptional array of community amenities, including a luxurious clubhouse, sparkling pools and spa, state-of-the-art fitness center, pickleball courts, billiards, beautifully landscaped parks, playgrounds and scenic walking paths all designed to promote an active, social and vibrant lifestyle.

6202 E Mckellips Road Unit 9, Mesa
$475,000
3 Beds ⋅ 3 Baths ⋅ 7070361 MLS ⋅ 2,051 SqFt.
Come home to a vibrant Gilbert lifestyle in this inviting 3-story townhome, where granite finishes and flexible living spaces set the stage for everyday comfort and effortless entertaining. Start your mornings with coffee nearby, spend evenings exploring local dining, and enjoy the convenience of shops and entertainment just moments from your door.

2790 S Alpine Drive, Gilbert
$305,000
2 Beds ⋅ 2 Baths ⋅ 7070245 MLS ⋅ 991 SqFt.
Beautifully updated and move-in ready, this refreshed condo welcomes you with a bright, open feel from the moment you step inside. The living room has been thoughtfully reconfigured by removing the corner niche, creating a more spacious and versatile layout ideal for relaxing, entertaining, or creating a dedicated workspace. The open-concept kitchen shines with crisp white cabinetry, recessed lighting, and stunning new quartz countertops, offering both style and functionality. Fresh interior paint throughout and updated flooring in the bedrooms provide a clean, modern aesthetic, making this home truly turnkey. Thoughtfully refreshed with today's buyer in mind, this inviting residence is ready for you to move in and make it your own

1351 N Pleasant Drive Unit 2049, Chandler
$325,000
3 Beds ⋅ 2 Baths ⋅ 7070094 MLS ⋅ 1,724 SqFt.
This home qualifies for Community Lending Program (CLP) with $7,500 to be used for buyers down payment, closing costs, & prepaids. Welcome home to this beautifully remodeled 3-bedroom, 2-bath end-unit townhouse offering 1,724 sq. ft. of comfortable, low-maintenance living in an established Mesa community. This move-in-ready home has been thoughtfully updated from top to bottom. The completely remodeled kitchen features new cabinetry, granite countertops, smart appliances, and smart lighting, creating a fresh, modern space for cooking and entertaining. Both bathrooms have also been beautifully updated, while luxury vinyl flooring throughout the home is waterproof, scratch-resistant, and pet-friendly--combining style with everyday durability. The home also offers plenty of functional and flexible living space, including a good-sized laundry room and enclosed back patio--perfect for relaxing and extra storage. Major improvements go beyond the finishes. The HVAC system is only four years old, and all sewer lines within the home were replaced two years ago, providing added peace of mind for the next owner. As an end unit, the home enjoys a desirable location within the community, conveniently situated near the pool. The HOA provides extensive exterior maintenance and services, including roof repair and replacement, exterior building surfaces and painting, common-area landscaping, covered parking areas, exterior pest control, and water. Enjoy the convenience of being close to Downtown Mesa, public transportation, bus service, and light rail, with easy access to shopping, dining, entertainment, and everything the East Valley has to offer. With a complete interior remodel, newer HVAC, recently replaced sewer lines, extensive HOA-maintained exterior features, and a prime end-unit location near the community pool, this home offers an exceptional combination of comfort, convenience, and low-maintenance living. Owner holds an AZ real estate license.

560 N Hobson Plaza, Mesa
$333,000
3 Beds ⋅ 2 Baths ⋅ 7070024 MLS ⋅ 1,510 SqFt.
Spacious, well-kept townhome in a convenient Tempe location with a community pool, clubhouse, mature greenbelts and grassy common areas. Fresh paint and carpet in the living room, dining area and all three bedrooms. Kitchen and second dining area have laminate flooring; bathrooms and laundry are tile. Remodeled kitchen features updated appliances, countertops, sink, faucet and refinished cabinets. Baths have updated sinks. AC replaced in 2024 and roof replaced in 2026. Private patio with shed storage and three assigned parking spaces, two covered. HOA covers exterior maintenance, water, sewer and trash. Easy access to US 60, Loop 101 and I-10.

1505 E Southern Avenue, Tempe
$375,000
2 Beds ⋅ 2 Baths ⋅ 7070000 MLS ⋅ 1,426 SqFt.
Spacious, bright and beautifully updated, this single-level townhome blends style, comfort and easy living. Enjoy thoughtful updates, including beautiful wood-look flooring throughout, recessed lighting, updated fixtures and ceiling fans, dual-pane Andersen windows, and a crisp white kitchen with granite countertops and stainless steel appliances. Additional highlights include a newer roof and a 2-car garage offering secure parking, valuable storage, plus the rare convenience of community RV/boat parking. The beautifully redesigned backyard is a showstopper, featuring stylish pavers, artificial turf and a view fence overlooking the lush community greenbelt, an inviting backdrop for morning coffee, outdoor dining or entertaining. Outdoor living shines with both front and back patios, offering multiple spaces to relax and enjoy Arizona living. Pepperwood offers a charming neighborhood setting with refreshing pools and spa amenities and low monthly HOA fees. Ideally located near Kiwanis Park, Arizona Mills, South Mountain, golf, shopping and dining, with convenient access to ASU, Sky Harbor International Airport and the US-60, I-10 and Loop 101. Beautifully maintained, thoughtfully updated and ready to enjoy. This is easy Tempe living at its best!

5323 S Mitchell Drive, Tempe
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