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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 1: SHOULD YOU BUY A HOME IN ARIZONA?

Is it the right time for you to buy a home in Arizona and are you ready?

Is It a Good Time to Buy a Home in Arizona?

In general, YES!

Why? …

Because there are still a lot of affordable places to live in Arizona.

Although Arizona home prices have increased, there are still many affordable urban and rural Arizona communities that have a reasonable cost of living, lower median home value and good affordability ratio.

Because interest rates are still incredibly low on a 30-year fixed mortgage.

In fact, rates are at or near an all-time low. Therefore, you can lock in a low payment for the life of the loan. This means that right now, owning a home is very affordable and it is easier to qualify for a mortgage.

Consider this: For a loan amount of $150,000 your payment goes up about $90 a month for every 1% increase in rate. That difference is the equivalent of about 2% of the median income in Arizona. Think of it this way, that’s just under the amount of the average annual employee raise.

Because homes in Arizona are going up in value. This will help you build wealth.

Buy a Home in ArizonaAccording to Zillow, the average house is expected to increase in value by just over 4% in the next year. So, for example, if you buy a home for $150,000 you should gain a little over $6000 in equity just in the next year. And it could be more.

“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

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.

Bottom Line: If you are currently renting and you really want to own a home in Arizona, this is an incredible time to buy.

Why Buy a Home Instead of Renting?

When you’re renting, you’re paying someone else’s mortgage. Owning a home has many benefits.

If you rent, you are helping someone else obtain the benefits of home ownership.

Consider this example:

1300 sqft home in Arizona1300 square foot home with 3 bedrooms and 2 bathrooms in Avondale, AZ.

Rent This Home:

Monthly Payment: $1050

Rent paid after 1 year: $12,600

Rent paid after 3 years: $39,722 (1)

Rent paid after 5 years: $69,623 (1)

Total Tax Savings: $0.00

Total Equity Gained: $0.00

Buy This Home:

Purchase Price: $154,600

Monthly Payment: $1,110 (2)

Total Payments after 1 year: $13,320

Total Payments after 3 years: $40,204 (3)

Total Payments after 5 years: $67,441 (3)

 

Tax Deductions after 1 year: $1,675 (4)

Tax Deductions after 3 years: $4,941 (4)

Tax Deductions after 5 years: $11,095 (4)

 

Equity Gained after 1 year: $13,242 (5)

Equity Gained after 3 years: $31,540 (6)

Equity Gained after 5 years: $51,396 (6)

 

(1) assuming rental increase of 5% per year

(2) Principal, Interest, Tax, Insurance and HOA

(3) assuming property tax increase of 5% per year

(4) assuming 25% tax bracket.

(5) assuming 3% down payment* + 4% appreciation + principal paid)

* find out how to buy your home with no money out of pocket

(6) assuming 4% appreciation + principal paid

As demonstrated, buying a home in Arizona builds wealth more times than not.

Finally, with all things considered, it just feels good to own your own home.

Why Should You Not Buy?

Before you begin the home buying process, you should determine if owning a home in Arizona is right for you.

We’ve discussed that, generally speaking, it is a great time to buy a home in Arizona. But why should you not buy? To answer this, you need to review your personal situation, your goals and your lifestyle. A realistic personal assessment may reveal that home ownership is not right for you or you might want to delay the process. Your personal and financial priorities will determine what’s best for you.

Don’t Buy Before You’re Ready

Ask Yourself the Following:

“Is it a good time for me to buy a home in Arizona?”

“Am I better off buying than renting?”

“Do I know the pros and cons to buying a home?”

“Do I understand all of the costs to buy and own a home?”

“Is my employment stable and is my income steady?”

“Do I have a budget? Can I afford the house I want?”

Don’t Buy if You Don’t Want the Responsibility of Owning a Home

Be aware that buying a home may bring unwanted responsibilities such as maintenance and repairs.

Ask Yourself the Following:

“Do I want to maintain my yard and pool?”

“Do I want to have to make repairs for common household problems such as holes in the drywall, broken door locks, clogged drains and leaky faucets?

“Can I afford larger household expenses such as replacing the carpet, repairing the roof, replacing the AC unit?”

Don’t Buy if You Move A Lot

Owning a home can tie you down. Don’t buy if you don’t want that.

Here is more information if you are still wondering if you should rent or buy a house in Arizona?

Free Advice from Professionals is Available … Ask A Lot of Questions

Buying a home is the single largest purchase that you are likely to make, and if you’ve never bought a home before, you probably have more questions than answers.

“Smart people ask questions about buying a home in Arizona because it saves them money.”

Don’t be afraid to ask a lot of questions, even if you think it should be something you know. The home buying process can have a lot of pitfalls. It’s possible that you already know a lot about what it takes to buy a home; that’s great. But ask questions because you may not know what you don’t know.

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

$325,000
3 Beds ⋅ 3 Baths ⋅ 7078314 MLS ⋅ 1,437 SqFt.
BRAND-NEW A/C + 10-YEAR WARRANTY! TURNKEY & MOVE-IN READY! Enjoy comfort and peace of mind in this beautifully renovated Mesa townhome. The brand-new A/C system with a 10-year warranty is a standout upgrade, while the refreshed kitchen shines with brand-new cabinetry, ample counter space, and stainless-steel appliances. Fresh interior paint, luxury vinyl plank flooring, upgraded carpet, modern blinds, contemporary lighting, and stylish ceiling fans create a polished, inviting feel. Updated bathrooms feature sleek fixtures and clean finishes. Beautifully upgraded, worry-free, and ready for you--this is Mesa living at its best!

2455 E Broadway Road Unit 130, Mesa
$369,900
2 Beds ⋅ 2 Baths ⋅ 7078298 MLS ⋅ 1,120 SqFt.
Welcome to this stunningly fully updated 2 bed 2 bath home just steps from the community pool located in the desirable Pepperwood Townhomes community. Conveniently located near restaurants, shopping, and more. This thoughtfully renovated DESIGNER GRADE home features a NEW kitchen, NEW flooring, NEW quartz countertops, beautifully tiled showers, and stylish finishes throughout. Completely refreshed and move-in ready. A must see home in an excellent location!

5306 S Farmer Avenue, Tempe
$350,000
3 Beds ⋅ 2 Baths ⋅ 7078207 MLS ⋅ 1,368 SqFt.
Awesome townhouse in the heart of South Tempe! Enjoy easy Tempe lifestyle living with a community pool perfect for cooling off during the Arizona summers and a convenient location near Target, shopping, dining and more. Inside, you'll find a desirable split floorplan with 3 bedrooms, 2 full bathrooms and an inviting great room. Newer wood-look flooring adds a fresh, modern feel, while newer AC provides added peace of mind. Fresh exterior paint gives the home great curb appeal. Step outside to your cozy, private pavered patio,the perfect spot to relax at the end of the day and take in those beautiful Arizona cotton-candy sunsets. A wonderful opportunity in South Tempe in deseriable Tempe school district. Close to freeway access. Welcome home!

5205 S Hazelton Lane, Tempe
$450,000
2 Beds ⋅ 3 Baths ⋅ 7078188 MLS ⋅ 1,549 SqFt.
Beautiful townhome nestled in the heart of the vibrant Gilbert lifestyle. Offering 2 bedrooms, 2.5 bathrooms and an open and spacious floor plan. This home is filled with natural light and is thoughtfully laid out. The kitchen is the showstopper, with ample storage space, dual islands, a RO system and a seamless flow into the main living area. With a freshly painted interior, new flooring and no carpet throughout, it has a clean and new feel. The top floor features both the primary and guest suites. The primary suite includes a large walk-in closet and private en-suite bath with dual sinks. This gated community has fantastic amenities to enjoy- pools, parks, walking paths and lush landscaping. Ideally located minutes from SanTan Village, Costco, Sprouts and an abundance of

1671 E Dogwood Lane, Gilbert
$200,000
2 Beds ⋅ 1 Baths ⋅ 7078121 MLS ⋅ 784 SqFt.
Welcome to this 2-bedroom, 1-bath townhome in the desirable Skyview Mesa community! The bright living room features tile flooring and a large window that fills the space with natural light. The spacious eat in kitchen offers plenty of room to prepare and enjoy meals. Step outside to your large private patio--perfect for relaxing, entertaining, or weekend cookouts--or take advantage of the sparkling community pool. Conveniently located near the Superstition Freeway, Mesa Community College, The Lightrail, Banner Desert Hospital, Southern Palms Shopping Center, Shalimar Golf Club, and a variety of parks and recreational destinations. Come discover the comfort, convenience, and easy-care lifestyle this home has to offer!

830 S Dobson Road Unit 50, Mesa
$349,500
2 Beds ⋅ 3 Baths ⋅ 7078100 MLS ⋅ 1,119 SqFt.
Designer-renovated and meticulously maintained, this stylish two-bedroom, two and 1/2 bath condominium is a true showpiece. The beautifully updated interior features quartz countertops, a Bosch dishwasher, a stainless steel refrigerator, luxury vinyl plank flooring, and a versatile office nook ideal for working from home. Enjoy the warmth of the fireplace, a private downstairs patio, and upgraded upstairs balconies. Additional upgrades include an updated water heater and updated HVAC units. Thoughtfully designed for both comfort and everyday living, this move-in-ready home offers the perfect combination of style, convenience, and location.

1222 W Baseline Road Unit 143, Tempe
$300,000
2 Beds ⋅ 3 Baths ⋅ 7078085 MLS ⋅ 1,120 SqFt.
INVESTORS this is the home for you! Tenant occupied and lease in place! This Lovely Chandler 2 BR, 2.5 bath, 2 story townhouse. 2 Master BR's. Granite countertops, fireplace, newer washer, dryer, fridge, microwave and water heater. HVAC new in May 2020 as well. One of the BR's has barn doors hiding the large closet. Community pool. Close to a ton of retail and restaurants and just a couple miles from awesome downtown Chandler and it's breweries, nightlife and fun festivals.

1961 N Hartford Street Unit 1061, Chandler
$295,000
2 Beds ⋅ 3 Baths ⋅ 7078056 MLS ⋅ 1,184 SqFt.
INVESTORS this is the home for you! Tenant occupied and lease in place! Beautiful 2 BR, 2.5 bath two-story townhouse. Two master BR's. Fireplace. Granite countertops, undermount kitchen sink, Matching black kitchen appliances; cook top stove. Washer/dryer/fridge all included. Ceiling fans throughout. Small private yard. Quiet area towards the back of the complex. Beautifully maintained, sparkling community pool (see pictures). Great public and charter schools in the area. Close to downtown Chandler.

1961 N Hartford Street Unit 1101, Chandler
$399,000
2 Beds ⋅ 2 Baths ⋅ 7078042 MLS ⋅ 1,809 SqFt.
BETTER THAN NEW Townhome In Premier Gated Community Offered Turnkey Furnished & Move In Ready! NEW ROOF, NEW Heating & Cooling, NEW Paint, NEW Carpet, GORGEOUS Neutral Tile, NEW Appliances, NEW Pavers, New Window Treatments, NEW RO, NEW Fountains, Upgraded Fans, Fixtures & Hardware T/O & SO Much More! Tranquil Entrance w/Fountain Opens T/O Beautiful Vaulted Ceiling Great Room & Gorgeous Dining & Kitchen! Backyard w/Extended Pavers Perfect For Relaxing & Entertaining! Stunning Home - Lock and Leave Gated Community!

8762 E Sandtrap Court, Gold Canyon
$475,000
3 Beds ⋅ 3 Baths ⋅ 7077986 MLS ⋅ 1,950 SqFt.
Some homes simply make life easier--and this beautifully enhanced Avaton is one of them. Tucked into the heart of Encanterra, this residence puts you remarkably close to the community's two clubhouses, making it easy to step out your front door and into the social, active lifestyle you've been looking for. Inside, the home has been thoughtfully transformed with approximately $120,000 in owner-selected improvements. New luxury vinyl flooring sets a fresh, sophisticated foundation, complemented by white shaker cabinetry, upgraded countertops, an enhanced appliance package and built-in speakers that make the home feel polished without sacrificing warmth. The open great room is the natural gathering place, flowing seamlessly into the chef's kitchen and creating a layout that works just as beautifully for a quiet morning at home as it does for entertaining friends. The owner's suite is conveniently located on the main level, offering privacy and ease, while the upper level introduces an entirely different dimension to the home. A spacious loft and additional bedroom can become whatever your life calls for--a private guest retreat, creative studio, fitness space, media lounge or simply a place to disappear with a good book. The flexibility is yours. And perhaps the greatest luxury is what you don't have to do. This is a home designed for low-maintenance living, allowing you to spend less time on upkeep and more time enjoying everything Encanterra has to offer. Golf, dining, recreation, fitness, social gatherings and endless opportunities to enjoy the Arizona sunshine are all part of the experience. Here, the lock-and-leave lifestyle doesn't mean giving something up--it means gaining more time to enjoy the life you've worked for. Welcome to the easy side of Encanterra.

845 E Silversword Lane, Queen Creek
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