3 Different Types of Loan That Will Negatively Impact Your Ability to Get a Mortgage

**MEMBERSHIP AVAILABLE - CONTACT FOR DETAILS** WELCOME TO THE VILLAGE AT DESERT MOUNTAIN! BUILT BY THE AWARD-WINNING CULLUM HOMES, THESE DISTINCTIVE ''LOCK-N-LEAVE'' RESIDENCES ON ALL 33 LOTS EITHER BACK UP TO THE 13TH HOLE OF THE RENEGADE GOLF COURSE, OR THE 10TH AND 11TH HOLE OF THE SEVEN DESERT MOUNTAIN® GOLF COURSE. INTRODUCING THE OCOTILLO PLUS CASITA FLOORPLAN, A SINGLE-LEVEL HOME WHICH FEATURES 4 BEDROOMS AND 4.5 BATHS. OPEN GREAT ROOM WITH A MODERN LINEAR-STYLE BUILT-IN FIREPLACE WITH AN OPTION FOR INDOOR/OUTDOOR GLASS WALL. FORMAL DINING AREA SEPARATING THE KITCHEN AND GREAT ROOM AREAS. KITCHEN AREA WILL HAVE A LARGE CENTER ISLAND WITH EAT-UP BAR SEATING, ALL STAINLESS-STEEL TOP-OF-THE-LINE WOLF SUB ZERO APPLIANCE PACKAGE, WALK -IN PANTRY. OWNERS SUITE WITH A SEPARATE EXIT OUT TO THE BACK YARD, DUAL SINK VANITIES IN THE BATH, SEPARATE SHOWER AND SOAKING TUB, WALK-IN CLOSET WITH BUILT-INS. ADDITIONAL BEDROOM WITH EN-SUITE BATH AND WALK-IN CLOSET. LARGE LAUNDRY ROOM WITH EXTRA STORAGE SPACE AND LAUNDRY TUB AND A POWDER ROOM. PLENTY OF OPTIONS TO CUSTOMIZE THIS HOME ARE AVAILABLE, INCLUDING A BASEMENT WHERE YOU CAN HAVE A COMPLETE ENTERTAINMENT ZONE! HOMES ARE EQUIPPED WITH THE LATEST SMART-HOME TECHNOLOGY WITH FULL HOUSE AUTOMATION AVAILABLE. ENERGY EFFICIENT WITH THE CLEAR AIR EFFECT VRV SYSTEM, FOR THAT CLEAN, QUIET AND COMFORTABLE FEEL. FRONT YARD LANDSCAPING INCLUDED. HOMEOWNERS AT SEVEN DESERT MOUNTAIN WILL BECOME EITHER A LIFESTYLE OR EQUITY GOLF MEMBER AT DESERT MOUNTAIN, GAINING ACCESS TO ITS WORLD-CLASS AMENITIES INCLUDING THE NEWLY RENOVATED SONORAN SPA AND FITNESS CENTER, TENNIS COMPLEX, HIKING AND BIKING TRAILS, SIX ADDITIONAL PRIVATE GOLF COURSE, LUXURIOUS CLUBHOUSES AND RESTAURANTS. COMMUNITY IS GUARD-GATED 24/7 FOR THAT LOCK-N-LEAVE LIFESTYLE ONE SO DESIRES.

NEW from Thomas James Homes with an opportunity to select some interior finishes during early stages of construction! This house has a great address, great schools and great views. Sitting in the highly desirable Scottsdale neighborhood, this beautiful 5 bedroom, 5.5 bathroom is the definition of exceptional design. Wide plank wood flooring, decorative ceiling and wall treatments, including beams and wood paneling, impressive custom lighting, outstanding millwork, stone and tile accents, a gorgeous floor to ceiling fireplace, shaker cabinetry and a 4-car garage are just a sampling of the outstanding finishes going into the home. The large single story open concept floorplan is expertly crafted with a large interior courtyard leading to the home's entrance. Inside you'll find a large great room and luxury kitchen joined by a large quartz countertop island. The grand suite hosts a large his and hers walk-in closet and a spa like bathroom with a freestanding soaking tub and walk-in shower. The secondary bedrooms throughout the home have en-suite bathrooms. In addition to the bedrooms, you'll find ample added living space with a private office and a kitchen prep area adjoining a bonus room and a game room. Home will feature fully landscaped front and back yards with a pool and spa, providing great Arizona outdoor living space. Expected completion in Summer of 2025.

A stunning custom home is set to be built in Sky Ridge Estates, Sedona's newest subdivision, located in the heart of Sedona. The home will be situated on a beautiful panoramic view hilltop lot on a ridge with a cul de sac. The property boasts breathtaking North/East/South facing panoramic views and will feature four or five en-suite masters. The home is just a short walk away from the new town square/city park and museum, Tlaquepaque, high-end shopping and dining, Los Abrigados Spa resort, restaurants, gym, lighted tennis/pickleball courts, and Oak Creek front park. The property is presently in the design phase (rendering and floor plans only), This home will break ground after the roads and utilities are completed. A guest house may be added. The home can be completed in 12-18 months. *The subdivision is approved, and roads and utilities are being constructed. Private clubs and gates are currently being designed and submitted to the city for approval. Take advantage of our unique buyer builder program, in collaboration with renowned architectural firm and builder, PHX Architecture Erik B. Peterson and Galloway Custom Homes Paul Galloway. Call for details. The owner/seller is an experienced AZ active licensed real estate broker, general contractor, and developer.

Enjoy privacy you've dreamt of owning with land that is nestled at the edges of Saguaro National Park and the Tucson Mountain range. Have your very own private ''resort'' hidden at the end of the road in secluded (but accessible) Chaos Canyon (running E-W) — where ''the chaos ends'' and calming begins. The property is the intersection of an old-world estate with new-world modern sophistication and amenities. The long and lighted rustic driveway greets you with rising rhyolite stone walls on either side, setting the tone for this solid and bright contemporary property that sits on about 6 acres and is offered with a builder's warranty or equivalent. Built in 1997/1998 the property was purchased by the current owners in November 2021 and then remediated and remodeled (actively from January 2022) through to about November 2023 and was not lived fully in until mid-November 2023. The newly remodeled property has been lived in less than one year. The goal of the remodel was to investigate and remediate any issues, to update, and to remodel the property with a simple and understated elegance using contrasting materials that form a canvass for any interior designs. There's no HOA (although there are neighborhood covenants with the two other nearby properties to protect you so you can have both peace and protections at your own private getaway). The property aesthetically offsets ruggedness of materials offset with elegant refinement and its setting captures the very essence of Arizona as the American Southwest, having stunning views of the saguaro-forested green desert also replete with mesquites, palo verdes and other desert flora covering the mountains towering above the property to the south and the west, and views of city lights and U of A to the east at night. The property offers 4 bedrooms and 4 baths and has 4225 SF of total interior living space, a 311 SF covered patio off the main kitchen supported with 150-year-old reclaimed oak timbers and a wood-burning fireplace for patio warming, together with a new industrial misting system installed in 2023 for patio cooling. The property has 3 fireplaces, all dual fuel (gas or wood). (In the dining room there's also a 150-year-old reclaimed barnwood dining table mounted on a concrete pillar with steel beams). The finished garage is 676 SF with its own AC with space for a workshop and it has ceiling racks for ample storage with new polyaspartic floors and 10 LED panel fixtures for a very bright garage (color temperature and dimming adjustable). There are brand new garage overhead doors plated with Corten steel with a sealed perimeter to prevent insects and critters. There are no homes in views to the south and only one in view to the west in the distance, and a neighbor over the hill to the north-east. The views eastward include other homes quite a distance off from this beautifully appointed property that contains stunning landscaping in its own right, including extensive custom outdoor pathway lighting, many mesquite, palo verde, and other trees (Texas Laurel, several species of palms, a cinnamon tree, olive tree, etc.) and shrubs (rosemary, jojoba, Texas ranger, Spanish lavender, etc.) combined with elegant cacti bisected by a stone pathway and aesthetically rusted steel railings. All yards except the front yard are enclosed with rock walls and/or custom metal & cable fences and gates. There's also a raised culinary herb garden below the kitchen window as part of the landscaping. Outdoor sitting areas are almost everywhere amidst the lush landscaping and as well on porches and around the very large swimming pool, on the backside of which is also a sitting area with win chairs for peaceful desert overlooking. A Zen-like garden graces the west-northwest side of the property with a heated Japanese soaking tub, a heated outdoor shower, and a private sitting and dining area. The main structures of the property - interior and exterior - and the pool design and placement were uniquely designed by award-winning architect Rob Paulus on an arc radius (see bird's-eye aerial photos) and it has been featured in design magazines and a popular music artist filmed a music video hit song at the property. The structures on the property are built on a radius of about 100 feet, and the main residence is a curved arc of about 100 feet in arc length. The structures on the property are also built like fortresses (steel roof, concrete, split-face block and steel frame structures) atop and into the side of a rhyolite (igneous) rock hill that had to be blasted-out with dynamite to excavate for the structural foundations. There are polished industrial concrete floors on the interior throughout except for the bedrooms in the main house that utilize 40x40 porcelain white concrete tiles to give a softer feel. The four interior showers and baths are all done in natural quartzite stone and marble pebble, and the bathroom, guest house, and laundry counters are natural limestone, whereas the kitchen counters are Caesarstone for durability, with accents of limestone on the kitchen windowsills. The laundry room also features a large limestone counter for folding clothes and an integrated ironing board and storage cabinets. There are plaster walls throughout the interior living spaces where there are not masonry split-face block walls. All windows frames, and exterior doors and frames, are completely custom, one-of-a-kind welded iron. The windows are all double pane. The remediation and remodel also includes, but is not limited to, (A) new custom wood and other cabinets throughout from Anything Wood supplying ample storage; (B) all new plumbing fixtures (Grohe, Franke, Toto, etc.); (C) all Lutron electrical devices, Lutron Smart Devices for critical controls from your phone; (D) all new LED lighting, including a 90 foot monorail art gallery lighting fixture that goes down the elegantly curved gallery hallway; (E) Italian Beluga leaded crystal spot lights for art in the entry and master and all new interior; (F) solid core and frosted glass interior doors with new hardware; (G) new closets (California Closets). The master bathroom includes Robern lighted medicine cabinets and a Robern lighted mirror in the master bath, an Anzzi freestanding stone composite soaking tub, dual Scarabeo Italian sinks, and a stone shower that has one full side as a window looking out to the beautiful landscape views to the south. In addition to the above, the remodel included, an all-new appliance and plumbing fixture package exceeding $85K that includes a chef's dream kitchen - that is huge (~400 SF), and that has a massive (~ 9 ft x 5 ft) Caesarstone waterfall island - including: (a) a Bluestar professional 48 open burner range with up to 22KBTU burners that go down to a simmer and that can be quickly changed to also have a stovetop charbroiled or griddle as the need arises and has two gas ovens with French doors for ease of access (Iron Chef Michael Simon and Giada De Laurentiis, for example, have featured Bluestar ranges in their kitchens); (b) a 48 Bluestar stainless hood and with a 1400 CFM external blower to evacuate cooking smells rapidly and quietly; (c) a 48 True Manufacturing professional refrigerator; (d) a Gaggenau (German) speed oven; (e) a Miele (German) Futura dishwasher; (f) a 24 lighted Zephyr wine cooler; (g) an 18 KitchenAid trash compactor; (h) a 42 Franke stainless steel sink (main kitchen) with a Franke disposal having a Grohe commercial faucet and a reverse osmosis faucet for perfectly pure water for coffee or drinking; (i) a 19 round Franke prep sink (main) with a ½ HP Badger disposal and Grohe faucet; (j) a built-in (and gas-plumbed) 44 TEC 60KBTU infrared grill in the outdoor patio just off the kitchen; (k) new oversized Electrolux washer and dryer; (l) a Wolf gas cooktop in the Guest House (GH) kitchenette; (m) a Sub Zero 24 refrigerator in the GH; (n) a Frigidaire over the range microwave in the GH; 24 (o) a Kraus stainless steel sink with Grohe faucet and disposal in the GH; (p) a new LG washer and dryer in the GH; and new tankless, instant hot water heaters (Main and GH). New one-piece Toto elongated porcelain toilets with a vitreous enameled finish were used throughout the remodel. There are 6 AC units on this property: 2 split units (Lenox), 1 package unit (Trane), and 3 mini splits (Mitsubishi in living areas and a Fedders in the garage) used for rapid cooling in specific areas, including the master bedroom to give it a good chill for sleeping at night without cooling the entire house that low at night. All of the living-area AC units (5) were replaced with brand new top-of-the-line Lenox, Trane, and Mitsubishi systems in November of 2023 and have extensive transferable warranties. The property has commodious storage spaces, including extensive cabinetry and customized storage racks in the garage, per above. Other buildings include a large block structure that encloses the 2500-gallon water tank (that buffers you from the water utility and provides additional storage space) followed by a state-of-the-art, whole-house and multistage water treatment system with softener, carbon and UV purification and is sediment-filtered down to 1 micron. There is a WiFi irrigation controller and constant water pressure via a pump set to 90 PSI that delivers 70PSI of filtered, descaled, and softened water to the houses, and 80 PSI of descaled water to the irrigation system. There's also a block-enclosed pool equipment hut to dampen noise and protect the equipment. The permitted remediation / remodel also included but was not limited to (1) roofs inspection & repairs; (2) over 70 window pane replacements; (3) electrical inspections, repairs, & new wiring with whole-house surge protection; (4) plumbing inspections, repairs, & new plumbing; (5) living spaces sealed on the exterior perimeter and all windows and doors sealed with industrial seals; (6) exterior doors have automatic door bottoms to insure good threshold seal; (7) new window screens; (8) new plaster and painting; (9) 3 new Ecobee smart thermostats with remote sensors; (10) two 2GIG security system panels with Honeywell devices; (11) the pool plaster and tile was completely chipped out and replaced with PebbleTech finish in 2022 with upgraded tiles and LED lighting in 2024, and all pool equipment was replaced with the exception of the heater that is still in good working condition. The Guest House is fully self-sufficient for temporary or long-term guests, and fully remodeled to the same level as the main house and has a large ¾ bathroom with an elongated WhiteHaus sloped sink, laundry, fireplace, and a kitchenette. There is a new 400A electrical panel that is solar ready.

Imagine the best forever views of the most spectacular and most photographed Red Rock Vistas in all of Sedona! Enjoy glowing sunsets of Cathedral Rock Vista and expansive Forest Service views to the East from this top of the hill location, and gorgeous greenbelt views of Oak Creek to the West. Hear sounds of the meandering creek from your front patio. New luxury construction home with modern open floor plan, 3828 SF, 3 bedrooms/4 baths plus recreation room located in the prestigious gated subdivision of Sedona Ranch on Oak Creek. Private estate size parcel of 2.54 acres adjacent to Forest Service land. Hike out from your doorstep to 100s of miles of trails in Turkey Creek area, Red Rock State Park, Crescent Moon Ranch and Cathedral Rock. Home to be completed around August 1, 2024.

Luxurious Resort Estate with Unrivaled Features and Mesmerizing Canyon Sunset Views in Arizona's White Mountains. Nestled on 10 picturesque acres with breathtaking canyon views and a serene creek running below, this extraordinary Tuscany-style estate offers unparalleled elegance and comfort. As you approach, the white-fenced, tree-lined driveway draws you in. Inside, soaring 14-foot ceilings create a sense of grandeur throughout the home. Upon entering, you are greeted by a formal entry that sets the tone for the entire residence. To your left, a dedicated office space is perfect for remote work or study. The formal living and dining rooms are designed for entertaining, offering elegant spaces to host gatherings. The heart of the home is the gourmet kitchen, featuring an expansive island, top-of-the-line appliances, a cozy dining nook, and an adjacent living room making it ideal for intimate family gatherings. The oversized master suite is a true retreat, with direct access to the back patio, perfect for enjoying the outdoors and taking in the serene views. In the west wing, you'll find four additional main-level bedrooms, each with its own bathroom - three are ensuite, and one features a Jack and Jill. The main level also boasts a spacious bonus/game room for recreation and relaxation, and a large, functional laundry room to meet all your household needs. Descend to the basement, where 12-foot ceilings give a spacious feel, revealing a large game room, a museum-style trophy room, and a theater room complete with tiered seating. This level also includes two additional bedrooms, a home gym that can easily be converted into another bedroom, plus two bathrooms, offering ample space for guests or extended family. Outside, the property transforms into an outdoor paradise. Mature cottonwoods line the beautifully maintained grounds. Indulge in the exclusive 2-acre private fishing and swimming pond boasting a diverse array of fish species, expansive sandy beachfront, a secluded dock, and twin cascading waterfalls, ensuring an unforgettable experience for all. The covered, lighted entertainment pavilion is perfect for hosting outdoor gatherings. The main house and guest house share a spacious, lush green courtyard, connected by a covered walkway and featuring a stunning outdoor stacked stone fireplace. The breathtaking canyon views are the perfect backdrop as you walk across the courtyard to the guest house, which includes a large kitchen with an open living and dining area, a master suite with private courtyard access, a double vanity, custom shower, and a safe step walk-in tub. The second bedroom in the guest house is oversized, with ample room for multiple beds. Additionally, a versatile room with high ceilings and large windows is designed as a pool room but can be adapted for various uses, such as a hobby or craft room, pickleball court, indoor gaming area, event hall, or sunroom. The main house 4 car garage, and guest house 2 car garage connect the two residences, providing ample space for vehicles and storage. This property offers endless possibilities for luxury living, entertaining, and outdoor enjoyment. Don't miss this rare opportunity to own a truly exceptional estate. Contact us today to set up your private tour and experience this incredible property for yourself! Available for negotiation oustide of escrow: Equestrian enthusiasts will appreciate the barn with three stables, tack storage, and an upper loft that can be rented out or used as a caretaker's cabin. Barn +Studio - 759 livable sq ft, tack, storage, stables, covered parking & 1.07 acres Additional acreage available outside of escrow: ***Parcel A- 3 acres, parcel B- 1 acre, parcel C- 2.51 Acres. Ask listing agent for more details. Property and included buildings is Parcel E. Note: Parcel E - 10.23 acres (less small cabin and acreage in the canyon that will be surveyed and split prior to close of escrow).

20445 E Sunset Ct, Queen Creek, AZ 85142 - The Pecans' Finest Gem Step into unparalleled luxury at this 5,737 sqft masterpiece, nestled in The Pecans—a premier, gated community in the East Valley, renowned for its grand estate homes and lush pecan groves. Remodeled by a top-tier custom home builder celebrated for impeccable craftsmanship in Paradise Valley and Arcadia, this residence offers an elevated living experience. This 4-bedroom, 4.5-bath estate is a flawless blend of sophistication and innovation. The heart of the home is its newly reimagined kitchen, a chef's dream with custom in-set cabinetry, Wolf and Subzero appliances, and designer lighting that enhances the airy, neutral palette throughout. Every room exudes refined elegance, and the layout is meticulously crafted to balance open living spaces with private retreats. The reimagined backyard is a showstopper. The pool was thoughtfully relocated to align with expansive glass sliders in the living room, offering breathtaking views and seamless indoor-outdoor living. The outdoor space now feels like a private resort, complete with modernized landscaping, and luxurious entertainment areas perfect for any gathering. No detail was overlooked; no expense spared. This is a must-see for discerning buyers looking to own a piece of luxury in one of Queen Creek's most exclusive enclaves.

There are four wells located on the property The site has one main house and four smaller homes. (1400sqft Main House) Over 60,000sqft of covered horse facilities. Includes an enormous indoor covered show ring 36,000sqft, an outdoorshow/roping ring, two paddocks for horses, a hot walker and open land available for growing feed for crops In Mayer, the summers are hot, dry, and mostly clear and the winters are cold and partly cloudy. Over the course of the year, temperatures vary from 31°F to 92°F and are rarely below 23°F or above 99°F. 70 miles north of Phoenix

Rare Acreage in Gilbert. Nearly 5 acres. Existing home is approximately 2700 sqft. Or build your own dream home in the heart of Gilbert on this irrigated horse property. Looking for an investment property - Many Development Opportunities are available on these 3 parcels currently zoned R43. Adjoining nearly 5 acre parcel may also be available for those seeking larger acreage. Don't miss this rare opportunity to live on or develop roughly 5-10 acres in a highly desired Gilbert location - just 1.5 miles to Loop 202 or 4 miles to US 60.

Welcome home to Gainey Ranch - A guard gated oasis of lush vegetation, convenient shopping, a variety of dining, 27 holes of golf, and active lifestyle amenities such as an indoor gym, sports courts, and a lap pool, all at your doorstep. This gated estate is perfectly situated along the Arroyo golf course on an acre lot, with panoramic golf course and Mummy mountain views. Perfect for car collectors or large families, this home features an 8-car garage (all w/ room for lifts), an attached guest casita with 3 bedrooms and kitchen, as well as a kids wing with 3 ensuite bedrooms, ideal for multi generational living. As you enter the home, a wide wall of floor to ceiling windows draws your eye out over the sparkling blue pool to gently rolling emerald fairways. The expansive layout with bright, airy rooms, offers a variety of living and entertaining options: from the intimate private office, to separate wings for children and/or guests, to the sprawling formal living area, to the cozy open floor family/breakfast room and kitchen. Enjoy the primary rooms' elevated, unobstructed view of the luscious golf course and rugged mountains. The primary suite encompasses a large bedroom, sitting area, wet bar, laundry room as well as His & Hers closets, His & Hers bathrooms, His & Hers showers, AND His & Hers vanities. With easy access to premier amenities, matched with a unique yet highly desired layout - this spacious home embodies Scottsdales vibrant lifestyle full of luxury and leisure.

Welcome to your impeccably-appointed and fully renovated mountain home in Forest Highlands. Situated on a quiet cul-de-sac, and down a long driveway, privacy meets contemporary style, comfort and function in this single-level property. No matter the season, you will appreciate the extra space of a transitional landing room at the entry, a great design element for taking off or putting on shoes or boots. Just beyond, the expansive great room is bright and tastefully appointed with contemporary design, incorporating alder wood cabinets, perimeter countertops in Pegasus quartz, and a linear gas fireplace as focal point, complemented by a wall of windows showcasing only the pines beyond. The chef's kitchen centers around a stunning blue Tahoe quartzsite island, perfect for entertaining. The split floorplan is comprised of the primary suite and an enclosed media room to one side, and three bedrooms, office and two bathrooms to the other side. In-floor heating throughout the home and in the 3-car garageperfect for chilly mountain mornings--as well as humidity control and new air conditioning, ensure comfort year-round. Beyond these incredible design elements, enjoy the peace of mind knowing that a new roof, new water softening unit, and remote access to the home's systems have also been incorporated. When you are ready to enjoy the community's many amenities, just step off your covered back porch to a 3.5 mile trail, which encompasses much of the Meadow Golf Course, an enjoyable walk or bike ride through the ponderosa pines to the clubhouse, dining, swimming pool and recreation center. Don't miss this opportunity to turn the key and make this retreat your own.

Stunner at Mountain Shadows! This 1 level on-trend newer home is situated in the highly desired guard gated enclave called Villas at Mountain Shadows! This sensational home features amazing views of Camelback Mountain from your great room & back patio entertaining area! Enjoy the privacy & security of Mountain Shadows guard gating in addition to the resort's full amenities/facilities: including the 4500 SF comprehensive gym, 2 heated resort pools, golf, tennis, spa & more! This over the top 1 level home features stunning limestone floors throughout this spacious open floor plan that is centered on the chef's kitchen w/ enormous quartz waterfall edge island open to the spacious dining room & palatial great room w/ floor to ceiling retractable walls of glass for the ultimate seamless indoor/outdoor living experience! The new owners will love the light, bright & airy feel of this open concept great room combination featuring the sensational 12 ft. high ceilings! The dream chef's kitchen features a top of the line Sub-Zero/Wolf/Asko appliance package & custom cabinetry! Enjoy your new Sub-Zero refrigerator/freezer in the kitchen & the wine tower in the bar area! In addition all chef's will delight in using the multiple Wolf ovens & gas range! The primary bedroom features gorgeous Camelback Mtn views through the large picture window (featuring beautiful plantation shutters!). The dream primary bathroom features highly upgraded marble finishes, custom cabinetry w/ double sink vanity, separate soak tub & a palatial walk-in shower! 2 other secondary bedrooms are both ensuite featuring top of the line finishes & spacious closets! Don't forget to see both (2) walk in pantries when you view this fabulous 1 level resort style home in person! Entertain your family & friends in style enjoying the Camelback Mtn. views & built in BBQ center!