5 Mortgage Rules You Should Know by Heart

If you’re buying a house or refinancing your loan, here’s what you need to know.

For millions of Americans, a mortgage is the biggest debt they’ll ever have to repay. Unfortunately, as anyone who’s ever gone through the process can attest, mortgages involve pages and pages of legal documentation that can be nearly impossible for most people to comprehend. To simplify mortgages, there are some basic guidelines that anyone can learn and commit to memory. Below, we’ll go through five useful rules about mortgages.

Rule 1: Keep your mortgage payment to 25% or less of your income.

Housing costs are typically the largest expense item in your household budget, but that doesn’t mean you can afford to break the bank. Lenders look closely at your income to determine how much you can truly afford to pay for a monthly mortgage payment, and one simple guideline they use is to take your available income and multiply it by 25%. If a mortgage would require larger payments than that, after taking into account both the loan itself and associated payments like property taxes and insurance, then a lender will generally be less comfortable in giving you the loan.

Rule 2: Avoid private mortgage insurance by making a 20% down payment.

Mortgage lenders typically require borrowers to obtain private mortgage insurance or PMI if they make a down payment that’s less than 20% of the value of the home. PMI protects lenders against the risk that the value of the home will fall below the outstanding principal balance on the mortgage, leaving the borrower “underwater” on the loan. For borrowers, however, it’s an added expense that essentially provides no value to them. As difficult as it can be to save up a 20% down payment, the hundreds of dollars in PMI that it will save you could make the difference between being able to afford a slightly more expensive home and having to settle for less.

Rule 3: Understand how adjustable rate mortgages work and what risks are involved.

Fixed mortgages are easier to understand because the interest rate that they charge never changes, so you can count on monthly mortgage payments remaining constant throughout the lifetime of your loan. That’s not the case with adjustable rate mortgages or ARMs, which only remain fixed for a set period. Most lenders refer to ARMs with two numbers, such as 5/1. The first number refers to how long the initial rate remains in place. The second number describes how often the rate adjusts after the initial rate ends. For a 5/1 ARM, the initial rate stays in place for five years, and then changes every year after that. When rates change, they’ll also change your monthly payment, so make sure you understand the illustrations that your mortgage documents will provide so you don’t get a nasty surprise at the end of the initial term.

Rule 4: Know whether you’ll actually be able to deduct your mortgage expenses.

Many people look forward to being able to deduct mortgage interest, property taxes, and other key expenses of owning a home. But one thing to keep in mind is that all of these tax breaks are only available if you itemize deductions on your tax return. If the cost of your interest and taxes isn’t enough, when combined with other itemized deductions, to exceed the standard deduction you’re entitled to receive, then buying a home won’t do you any good from a tax perspective. That shouldn’t necessarily stop you from making a purchase and taking out a mortgage loan, but it should inform you as to the true cost of doing so.

Rule 5: Be careful diverting retirement money toward a home purchase.

The tax laws governing retirement accounts allow you to make withdrawals from an IRA of up to $10,000 toward a first-time home purchase without having to pay the typical penalties for early withdrawal of your retirement savings. However, just because you can use IRA money toward a home purchase doesn’t mean you should. First, even though you won’t owe penalties, you will owe income tax on the money you withdraw, potentially leaving you with a big tax shortfall at the end of the year. More importantly, diverting that money from your retirement savings will leave you in a less favorable position in the long run with the size of your nest egg. As a potential source of down payment money, tapping an IRA can seem like a smart move, but be aware of the long-term consequences before you pull the trigger.

Buying a home will probably be the biggest purchase you ever make. Being smart about the debt you incur to buy your home is essential to avoid the mistakes that so many homeowners made during the financial crisis. Keeping these rules in mind will take you a long way toward a better understanding of the mortgage process and your mortgage loan.

Source:  http://www.fool.com/investing/2016/05/28/5-mortgage-rules-you-should-know-by-heart.aspx?source=iedfolrf0000001

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27598 N 86th Lane Peoria, AZ 85383

$1,499,000

4 Beds

3.5 Baths

4,537 SqFt

Status Active

MLS # 6783571

Property Type Single Family Residence

Price Type --

Stunning mountain views in the gated community of Westwing! This hill side lot has been completely remodeled with the finest finishes. Calcutta quartz counter tops, Herringbone Calcutta marble backsplash, and solid walnut bar top. Home has Alderwood doors throughout. Open and bright floorplan, gorgeous tile flooring, and a wet bar in the living room! Rich wood cabinetry, stainless steel appliance, double ovens finish the incredible kitchen. Spacious bedrooms! Game room, loft, lots of extra space. Master suite is complete with a sitting area, and private exit to your private balcony and a stunning features. Enjoy the outdoor AZ living in resort style backyard. Incredible pool with jacuzzi, swim up bar, fire pits, synthetic grass, commercial grade misting system throughout entire yard. Private den w/French glass doors & wainscoting walls, luminous family room w/surround sound speakers, elegant wine bar, large loft, & ample bedrooms. Each room is a work of art! The grand main suite features sliding doors to a private balcony, an oversized walk-in closet, & a spa-like bathroom. A freestanding tub, a glass enclosure rain shower, two vanities, & balcony access are included in the main bathroom! Enjoy your morning coffee next to the fireplace on the interior patio. Host fun gatherings in the backyard comprised of a misting system throughout, a covered patio, fire pit, Ramada w/built-in BBQ, spa, & pool w/water feature. Unique home! See it, love it, live it!

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1437 E Aris Drive Gilbert, AZ 85298

$1,499,000

4 Beds

3.5 Baths

4,122 SqFt

Status Active Under Contract

MLS # 6742075

Property Type Single Family Residence

Price Type --

Welcome to your dream home, located in the coveted Waterston community and boasting the most sought-after Radiance floor plan! This stunning residence offers everything you need for comfortable and luxurious living. Enjoy porcelain tile throughout the house interior and exterior, especially large glossy tiles in the main living spaces, ensuring durability and easy maintenance. Enjoy endless summer days in your private swimming pool, equipped with an in-floor cleaning system for hassle-free maintenance. The expansive turf area provides ample space for outdoor entertainment, whether you're hosting a barbecue or playing with the kids. The property is adorned with a variety of tropical fruiting trees, including banana, mango, mulberry, fig, guava, apricot, and more, offering a fresh supply of home-grown fruits. Experience premium audio throughout the home with in-built surround sound speakers both inside and out. The main living area features electronic roller shades for effortless light control, while the remaining windows are fitted with stylish shutters. Additionally, enjoy the convenience of upgraded closets and garage cabinets, providing ample storage and organization solutions. This home also includes a spacious generation suite with a private entry, perfect for guests or extended family. With many more features and upgrades, this corner lot home in Waterston is a must-see. Don't miss the opportunity to make this exceptional property yours!

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2491 E Cedar Place Chandler, AZ 85249

$1,499,000

5 Beds

3.5 Baths

3,768 SqFt

Status Active Under Contract

MLS # 6779498

Property Type Single Family Residence

Price Type --

Hurry! Priced to Sell! YOUR opportunity to own in Circle G Ranch! Custom home ~Acre lot~Make it your style~Add sqftg in front, back, or separate Casita~Great Open Floorplan~Land value alone is over $800k! Best place to invest for sure, neighboring homes have values upwards of~$5 million! Gated Courtyard surrounds 5 bedroom/3.5 bath home, and YES, 4 CAR GARAGE, OWNED SOLAR~Low Maintenance, desert landscaping w/Fruit trees and Multiple Raised beds for Your own Gardens. Open Kitchen Greatroom windows share views of your oversized yard & pool~Large Primary suite includes ample space for soaking tub, W/I shower, & Closet~Split from secondary bedrooms. Custom built-ins, including Murphy Bed, in case 2 offices are needed~Extensive covered patios look out on to South-facing pool & Outdoor kitchen With BBQ, hooked in propane, dine up island bar, Pool has hot tub, and sparkling appeal, large sunbathing shelf, fog system and surround sound on covered patio! Entertain Al Fresco year round!

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16814 S Mountain Stone Trail Phoenix, AZ 85048

$1,499,000

5 Beds

3 Baths

3,650 SqFt

Status Active

MLS # 6772145

Property Type Single Family Residence

Price Type --

**Voted Best Home on Tour** Come experience this newly renovated masterpiece in the coveted gated community of Canyon Verde. Profesionally designed by award winning Traci Pershin Interior Designer. Thoughtfully created with nature inspired shapes, organic textures, and rustic elements. A light, bright, airy, and timeless residence where the stylish interior harmoniously blends with the stunningly designed outdoor space. This breathtaking sanctuary is situated on a hillside cul-de-sac lot with an extended driveway. You will enter the home through the custom lead glass doors offering unobstructed views to the backyard oasis. The formal living and dining room flow seamlessly into the kitchen which opens to the great room making this ideal for both entertaining or casual family living. The remodeled kitchen features shaker style cabinets paired perfectly with honed quartz countertops creating a natural organic feel. The custom vent hood and pot filler will be enjoyed by the cooks in the household. The expansive island serves as a prep space as well as offers additional seating. The dedicated walk-in pantry will help keep things organized and tidy. The great room features a fireplace with rugged stone and a chunky mantle creating a cozy, rustic atmosphere. The expansive windows overlook the majestic mountain views. As you make your way back to the formal living space your eyes will be drawn to the magnificent lighting and the robust ceiling beams. The floating shelves envelop a sleek contemporary fireplace creating a chic and functional design element. The primary bedroom retreat is a tranquil and inviting space where you will experience relaxation and rejuvenation. The spa- like bath features an abundance of custom cabinetry complete with a built-in beverage center, a luxurious walk-in shower, and a stand-alone soaking tub perfectly positioned to enjoy the colorful blooms of the bougainvillea. The walk-in closet has been redesigned for functionality and is sure to please. The property features four additional spacious bedrooms along with 2 full baths. Truly the home will check every box! Make laundry fun again is what you will be thinking when you step inside this spacious laundry room that has ample cabinetry, a storage closet, and a sink that even has a pull-out faucet! And just when you thought a garage could not excite you! In this 3-car garage you will find a water softener, a tankless water heater, and a ceiling mounted extension cord keeping your garage tidy! A custom metal pull-down attic ladder that is built to withstand frequent use and durability. And when you think it can't get any better, you enter the backyard through the wall of window sliders, allowing for an abundance of natural light and seamless indoor-outdoor flow. On the weekends you may find yourself watching your favorite team under the covered patio, floating in your pool or hot tub, grilling on the outdoor grill, or relaxing on the chaise lounges. Whatever it is, you can count on being rejuvenated and ready to take Monday by storm! I think you will agree that 16814 S Mountain Stone Trail is a very special home. It's time for the current owner to pass the torch and share their beloved home with a new buyer. This space has been filled with cherished memories and is ready for someone new to create their own story.

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2496 S Geronimo Head Trail Gold Canyon, AZ 85118

$1,499,000

3 Beds

3.5 Baths

4,163 SqFt

Status Active

MLS # 6756384

Property Type Single Family Residence

Price Type --

MOUNTAIN AND SUNSET VIEWS! Remarkable residence located in the prestigious Superstition Mountain Golf and Country Club situated at the foot of the majestic Superstition Mountains. Overlooking the 6th fairway of the Prospector course, this course was featured in the 2023 LPGA tour! A 24-hour secured guard gate leads you to this hidden gem of a neighborhood featuring world class amenities including two Nicklaus designed golf courses, spectacular clubhouse with fine dining, fully appointed sports club, a resort style pool and more. This home is immaculate with so many custom features and upgrades, you truly must see to appreciate. You'll love the exterior stone accents, private courtyard, outdoor kitchen & guest quarters all on one level. The captivating interior boasts archways, 8' alder wood doors, tile flooring, soaring ceilings, & surround sound throughout this well laid out split floor plan. An oversized two car garage just off the laundry room and connected to the main house includes overflow AC keeping it cool on those hot summer days as well as epoxy floors. A single car garage is located adjacent to the guesthouse. Additional amenities include a natural gas Generac generator and full house water softener. You are welcomed through the large front door into the great room with awe inspiring views of the golf course, a massive custom fireplace, and 14-foot ceiling. The chef's kitchen boasts Alder cabinets, granite, butcher block island, pantry and GE Profile refrigerator, gas stove top, oven and Advantium oven. Also featured is a stand-alone ice maker and wine refrigerator. With a view of the courtyard, the formal dining room hosts a table that will seat 10 people, a hutch and buffet. A stylish powder room with glamorous fixtures welcomes your guests. The huge Master Suite with gorgeous bay windows provides breathtaking mountain and golf course views to wake up to every morning, motorized privacy shades, sitting area, huge walk-in closet with custom shelving and W/D hook up. Remodeled master bathroom with tons of natural light includes double vanities, large walk-in shower, separate soaking tub and privacy room for commode. The adjacent Den/Office has custom built in desk, lighting, cabinets and separate exit to the back patio overlooking the golf course. The 2nd Master Suite has a large walk-in closet and an exit to a private sitting area overlooking the golf course. Privacy rules in this separate entry guest quarters offering a living room, a two-way fireplace, a wet bar w/cooler, a bathroom, & a walk-in closet w/stacked washer & dryer. The outdoor kitchen includes a built-in BBQ, granite counter tops and seating, The large, covered patio offers room for dining and sofa seating to enjoy beautiful sunset views and city lights. Don't just imagine! See it! Some furniture also available via separate bill of sale.

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7240 N 13th Lane Phoenix, AZ 85021

$1,499,000

5 Beds

4 Baths

3,488 SqFt

Status Active

MLS # 6777591

Property Type Single Family Residence

Price Type --

Welcome to Lexia Manor, a boutique enclave of five exclusive, two-story luxury residences set in North Central Phoenix. This remarkable 5-bed 4-bath home exudes curb appeal w/ sophisticated architecture & high-end finishes. Designed w/ style & functionality in mind, it features stylish cabinetry, premium fixtures, & abundant charm throughout. Inside, discover spacious rooms flooded w/ natural light, w/ each bedroom offering comfort & modern elegance. High-end cabinets & fixtures adorn the home, ensuring every corner is both beautiful & functional. The spacious layout invites gatherings & relaxation, making it perfect for families & entertaining alike. This home is not just a residence; it's a statement of refined living in one of Phoenix's most desirable areas. Come experience the charm, style, & luxury that define life at Lexia Manor.

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7120 E Kierland Boulevard Unit 311 Scottsdale, AZ 85254

$1,499,000

3 Beds

3 Baths

1,718 SqFt

Status Active

MLS # 6726461

Property Type Apartment

Price Type --

Experience luxury living in North Scottsdale's prestigious Optima Kierland! This community boasts an array of amenities, including an expansive skydeck with a temperature-controlled pool, indoor putting green, golf simulator, and a world-class fitness center featuring basketball courts, yoga studios, and massage rooms. This RARE 3-bedroom + laundry room west-facing condo is available furnished. The kitchen is equipped with Bosch stainless steel appliances, a wine fridge, quartz countertops, and ceramic tile flooring, seamlessly flowing into the dining and living areas with 9-foot floor-to-ceiling glass windows that open to the balcony terrace. The split floor plan includes three spacious bedrooms, each with walk-in closets, and two parking spaces. Walk to Kierland and Scottsdale Quarter!

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8418 W Louise Court Peoria, AZ 85383

$1,499,000

4 Beds

5 Baths

4,025 SqFt

Status Active

MLS # 6724490

Property Type Single Family Residence

Price Type --

Discover this stunning North Peoria home with over 4,000 sq ft of living space on nearly half an acre. Highlights include a large pool with swim-up bar, expansive outdoor BBQ area, golf green, hot tub, misting system, and RV gate. Architectural plans for an RV garage with guest quarters are ready for permitting. Inside, enjoy a wet bar with kegerator, a spacious kitchen with high-end appliances, and a large pantry. The home features 4 en-suite bedrooms, 2 office spaces, and a teen room with a projector screen. The primary closet is fully custom and includes a built-in safe. Additional features include an elegant iron front door, smart home technology, and plantation shutters throughout. Located on a quiet cul-de-sac in a great neighborhood, this home offers luxury and privacy. Don't miss out on this rare find in North Peoria!

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5719 E Sweetwater Avenue Scottsdale, AZ 85254

$1,499,000

4 Beds

2.5 Baths

2,875 SqFt

Status Active

MLS # 6738666

Property Type Single Family Residence

Price Type --

Check out this stunning, fully remodeled 4 bedroom plus office / bonus room 2.5 bathroom residence nestled in a quiet setting across the street from 40 acre Sereno Park. This home has undergone extensive upgrades inside and out, top to bottom, soup to nuts... everything is brand new! Multiple indoor and outdoor sitting areas, sparkling rebuilt pool and low maintenance artificial turf. Step into a culinary haven adorned with exquisite granite counters complemented by floorto-ceiling white shaker cabinets that provide ample storage and timeless elegance. Details include sleek tile backsplash and stainless steel GE appliances, Illuminated by gorgeous light fixtures. The master bedroom has sliding glass doors, an en suite bathroom, and a JINORMOUS walk-in closet. This home is a true gem!

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745 Stringer Road Munds Park, AZ 86017

$1,499,000

4 Beds

3.5 Baths

3,440 SqFt

Status Active

MLS # 6766318

Property Type Single Family Residence

Price Type --

Located in Munds Park's most desirable and quiet neighborhood, this area features only site-built homes on spacious lots, no trailers or manufactured homes. Just a short walk to Golf, Dining, Pickleball, Swimming, and Social Events. Nearby Lake Odell and Miles of forest Trails offer Great off-Roading, Hiking, and Biking. Enjoy several Patios, Large Great Room with a Stone Fireplace, Soaring Ceilings, and Large Windows. The Luxury Kitchen includes Built-In Appliances, a Gas Cooktop, Granite Counters, and Knotty Alder Cabinetry. The Master Suite features a Fireplace, Balcony, Dual Vanities, Walk-In Shower and Jetted Tub. The second Master Suite on the main floor offers Dual Vanities and a Walk-in Shower. Additional bedrooms with Private Baths, and a Huge Loft with Fireplace and Balcony.

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841 E Mclellan Boulevard Phoenix, AZ 85014

$1,499,000

4 Beds

4 Baths

3,740 SqFt

Status Active

MLS # 6724305

Property Type Single Family Residence

Price Type --

This gorgeous home is the perfect house. It boasts 10' ceilings throughout. All four bedrooms have an attached bathroom. The kitchen was recently remodeled, with a beautiful island, granite counters, and high end appliances. There are very few hallways in the house so all the square footage consists of gigantic rooms, perfect for entertaining. It's around the corner from MTA and in the desirable Madison School district.

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1227 E Jeanine Drive Tempe, AZ 85284

Open House

$1,499,000

5 Beds

3.5 Baths

4,174 SqFt

Status Active

MLS # 6769630

Property Type Single Family Residence

Price Type --

RARE Corona Ranch basement home with 5 bedrooms and 3.5 half baths is ready for you! This huge corner lot sits on just over a 1/3rd of an acre with mature landscaping, huge pool, built in jacuzzi and outdoor BBQ. Entering you have a huge living space, lots of natural light throughout, plenty of space for everyone to enjoy. Plantation shutters throughout entire house. Full basement has room for all your media, toys, bar and 2 bedrooms w a full bath.Best lot in the community !

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