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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2128 E Catamaran Drive Gilbert, AZ 85234

Open House

$1,400,000

4 Beds

3 Baths

2,998 SqFt

Status Active

MLS # 6755991

Property Type Single Family Residence

Price Type --

Welcome to the epitome of lakeside luxury living in the heart of an active lifestyle community! This lakefront retreat offers an unparalleled blend of elegance, comfort, & convenience, making it the perfect home for those who crave both adventure & relaxation. Perfect as your next dream home or short term rental. Completely renovated from floor to ceiling using fine materials & a keen eye to design. Light & bright with soaring ceilings & an open floor plan with expansive views of the lake. The modern design greets you upon entry. Attention to detail made from the well equipped, gourmet kitchen to the serene owner's suite overlooking the lake. A new pool, private patio & dock create paradise at the backyard retreat. A list of features included under documents tab. Furniture is available.

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6325 E Monte Cristo Avenue Scottsdale, AZ 85254

Open House

$1,400,000

4 Beds

4 Baths

3,475 SqFt

Status Active

MLS # 6745644

Property Type Single Family Residence

Price Type --

Listed $50K below appraisal! Fantastic, freshly remodeled family home in the Kierland area. Back of the culdesac location, this large, open floor plan split level is perfect for the growing family. New flooring throughout, new bathroom designs, painted inside and out, and new lighting makes this home stand out. The large pool, covered patio, built in BBQ, & generous back and side yard are great for outdoor entertaining. Close to good schools, restaurants, and fantastic shopping. You won't want to miss this one!

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5818 N Granite Reef Road Scottsdale, AZ 85250

$1,399,999

4 Beds

3 Baths

1,679 SqFt

Status Active

MLS # 6738142

Property Type Single Family Residence

Price Type --

HUGE OPPORTUNITY! RARE FEATURES! MOVE-IN READY! This high-tech, modern luxury, marble-themed oasis was recently redone inside & out with no expense spared. Unique features include 2 master suites each with ensuite bathrooms, 4 walk in closets, corner lot, jetted tub, diving pool, many USB outlets/dimmers/fans, near dining/shops/entertainment, much free parking, storage rooms, & NO HOA! Enjoy elegance without compromise. The spacious redone kitchen features a massive breakfast bar & floor to ceiling marble-pattern quartz which surrounds new appliances. The bathrooms have been extensively remodeled to create a relaxing, luxury resort spa atmosphere. Great for families, entertaining, or rental. Ok to close quick or late. Most furniture/houseware available under separate bill of sale

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15617 E Santa Maria Place Fountain Hills, AZ 85268

$1,399,999

4 Beds

3 Baths

3,400 SqFt

Status Active Under Contract

MLS # 6745242

Property Type Single Family Residence

Price Type --

Welcome to an impeccably kept home situated on just under an acre in the serene North Heights of Fountain Hills. This true all one level home boasts incredible panoramic views backing to a preserved wash overlooking the McDowell mtn. Range. Enjoy entertaining with an open and inviting living space that flows seamlessly to a wonderful covered patio. Take pleasure in the many recent updates including a wonderful new media wall with a 100'' electric fireplace to set the mood. Enjoy your privacy with Hunter Douglas powered shades. Jump in to your amazing pool and appreciate the Baja shelf with umbrellas for extra coverage and gaze into some phenomenal sunsets. Pull into your beautiful full paver drive and turn right into a spacious 3 car garage with lots of cabinets for storage.

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6502 E Wildcat Drive Cave Creek, AZ 85331

$1,399,999

5 Beds

3.5 Baths

2,322 SqFt

Status Active

MLS # 6786707

Property Type Single Family Residence

Price Type --

Welcome to Your Arizona Dream Oasis! Get ready to fall in love with this charming, southwestern style home that's perfect for multigenerational living, your own work space, or lucrative rental income. Featuring 3 spacious bedrooms, 2 baths, and a versatile bonus/game room, this bright, open floor plan is designed for both comfort and entertainment. Outdoor Paradise: Step into your own private resort! Relax by the stunning pool, enjoy the convenience of an outdoor shower, cozy up by the fire pit, or sip your morning coffee on the covered patio while soaking in the serene desert landscape. Charming Casita: Need more space? The separate casita is a gem with 2 bedrooms, 1.5 baths, and a personal work studio—ideal for an office, creative haven, or extra living space. Nature's Beauty: Nestled on 1.37 acres of beautifully landscaped desert, this home offers tranquility and breathtaking views. Imagine waking up to vibrant sunrises and unwinding with picturesque sunsets. Equipped with a 2-car garage, covered carport, and freshly updated bathrooms, this home ensures convenience and modern living.

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19727 E Vallejo Street Queen Creek, AZ 85142

$1,399,999

4 Beds

3.5 Baths

4,269 SqFt

Status Active

MLS # 6695891

Property Type Single Family Residence

Price Type --

Best Value in Whisper Ranch!! You'll love this home. Toll Brothers luxury at the finest. Welcome to your new home in the highly coveted Whitewing subdivision of Whisper Ranch. This stunning 3-bedroom 2.5-bath home with a 1 bedroom and full bath attached Casita is everything you will want in a luxurious home. As you enter the home, you will be greeted by an inviting foyer with lofty ceilings, elegant tile flooring throughout with tons of natural light. To the left of the entry way is a comfortable conversation area and office space. Chef's gourmet kitchen features a grand, yet graceful waterfall edge quartz center island, upgraded stainless steel appliances, true double oven, gas cook top, spacious walk-in pantry, stunning natural wood cabinetry The kitchen overlooks the open concept living area and dining area. Perfect space either entertaining or just relaxing. 3 Bonus rooms that are currently shown as an Office or formal sitting area, a work-out space and a Teen/Game room but could easily be utilized as an office space or converted into a 4th bedroom. The Serene Primary Suite is a spacious haven to escape to at any time of the day, over-sized walk-in closet. The spa like ensuite has double vanities, large walk-in shower, and large soaking tub, the perfect place to relax after a long day. The 2 roomy guest bedrooms share a double vanity full bath. Home has upgraded lighting and ceiling fans throughout. Every room has upgraded solid doors. The casita is located off the courtyard and has its own separate entry featuring a living room, bedroom, full bathroom. There is a built-in doggie dog with small dog run on West side of home. The almost half-acre lot is blank slate for you to design your perfect Oasis, once the yard is completed your equity will increase!! The Whitewing at Whisper Ranch community offers amenities such as front and back entrance gated access, a Beautiful clubhouse perfect for entertaining and hosting events, outdoor gas fireplaces, BBQ areas to gather, a bocce ball court, a fenced in dog run, luscious green belts, and a children's play area/park. Just a couple minutes away from all Queen Creek has to offer, including the new Pecan Lake Entertainment Amusement Park that has a plethora of fun events, near excellent schools, restaurants, shopping, and serene trails to walk, hike and bike around the Sonoqui Wash. Listing comps at $1.5M!! Home is priced to reflect the need for landscaping & pool. Once Buyer completes their backyard oasis, the home's value will only increase.

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21639 N 55th Drive Glendale, AZ 85308

$1,399,999

6 Beds

4.5 Baths

4,874 SqFt

Status Active

MLS # 6720104

Property Type Single Family Residence

Price Type --

Welcome home to your Arrowhead Lakes, Mediterranean inspired oasis! Your Tuscan style home is complete with an original hand-crafted entertainment center with built in fireplace perfect for relaxing in front of to take in the mountain and lake views. 5 hand painted niches, Venetian plaster, marble like columns, granite counters, travertine, wool carpet, and stained glass windows are just a few of the many custom touches throughout the house. This spacious and inviting floor plan boasts 6 bedrooms (2 on main floor) and 4.5 bathrooms (1.5 on main floor). Enjoy the views from the front balcony, back balcony, or the patio in the back that comes complete with an outdoor fireplace and built in bbq. Enjoy full lake access from private dock or relax in the play pool.

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15705 E Centipede Drive Fountain Hills, AZ 85268

$1,399,999

5 Beds

4 Baths

4,781 SqFt

Status Active

MLS # 6709233

Property Type Single Family Residence

Price Type --

Prepare to be captivated by breathtaking views of city lights and majestic mountains, perfect for day and night enjoyment. This home showcases pride of ownership with a spacious layout, most living areas conveniently located on the first floor. The kitchen features granite countertops and modern stainless steel appliances, ideal for entertaining. Relax in the grand master suite, while the downstairs includes an additional master suite and versatile bonus space for a game room, home office, or exercise room. Step outside to oversized verandas with stunning sunset views and twinkling lights. Enjoy your private oasis with a Pebble Tec pool and spa, surrounded by beautiful outdoor spaces featuring fig and citrus trees. Abundant storage, plantation shutters, and an oversized three-car garage.

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19650 E Jeanna Court Queen Creek, AZ 85142

$1,399,999

3 Beds

3.5 Baths

3,898 SqFt

Status Active

MLS # 6732118

Property Type Single Family Residence

Price Type --

Welcome to your dream home nestled in the heart of tranquility and luxury in Whitewing at Whisper Ranch. This exquisite three-bedroom residence combines designer touches with unparalleled outdoor amenities, offering a lifestyle of comfort and sophistication. Designer finishes and meticulous attention to detail throughout. The great room is adjacent to the dining area and gourmet kitchen- which is a culinary masterpiece, boasting top-of-the-line appliances, quartz countertops, and two center islands ideal for both casual dining and entertaining guests. Don't miss the center courtyard with dual access points and fall in love with the designer lighting and custom touches throughout. The primary suite is a serene retreat, complete with a spacious bedroom area, a walk-in closet, and an en-suite bathroom featuring a soaking tub and a separate glass-enclosed shower. Two additional bedrooms (each with en-suite baths) offer ample space for family or guests, each thoughtfully designed with comfort in mind. The home's large flex space is perfect for an exercise area, home theatre (it is prewired!) or huge playroom. Beyond the interior lies the true jewel of this property: an expansive backyard oasis. Step outside to discover a resort-like setting featuring travertine patio and a sparkling pool for refreshing dips on sunny days (it's heated for chilly days too!). Adjacent, a luxurious spa invites you to unwind under the stars. The outdoor kitchen, tucked under a large pergola, is equipped with a built-in grill and ample counter space, beckoning you to indulge in al fresco dining experiences. The landscaping with artificial turf, enhances the ambiance, creating a private paradise that is perfect for relaxation and entertaining. Fenced dog run located on one of two oversized sideyards, while your second sideyard features an RV gate with plenty of space to store your toys! HOA allows for casita or RV garage construction in sideyard too! Experience the epitome of luxury living in this meticulously designed home with unparalleled outdoor amenities. Whitewing at Whisper Ranch is a gated community featuring children's play area, clubhouse with communal kitchen and seating, dog run and more, located just minutes from Queen Creek's dining, shopping and entertainment areas.

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14411 N Valencia Drive Fountain Hills, AZ 85268

$1,399,995

3 Beds

3 Baths

2,090 SqFt

Status Active

MLS # 6691514

Property Type Single Family Residence

Price Type --

MOVE IN READY! This contemporary Meyer home is our most popular plan and has the study modified to a third bedroom and bath as well as a third garage! A nice front courtyard area is created with the placement of the additional garage making for great outdoor space and inviting entrance to the home. This home features a beautiful open foyer and the kitchen boasts white cabinets, a huge island and Wolf appliances including a 48'' slide in range and 48'' built in sub zero refrigerator! The 3rd bedroom has a nice walk-in closet and the primary bedroom is tucked nicely in the back of the home. The primary bath is lovely with a fre standing tub, walk-in shower and great walk in closet! This home is nicely decorated and waiting for you!

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1717 E Minton Street Mesa, AZ 85203

$1,399,991

4 Beds

3.5 Baths

3,079 SqFt

Status Active

MLS # 6786892

Property Type Single Family Residence

Price Type --

Welcome to this NEW stunning 4-bedroom, 3.5-bathroom residence in the prestigious gated community of Overlook at Forest Knoll! It greets you with stone accents on the facade, a 3-car garage, a paver driveway, and an RV gate. Discover bright and spacious living areas for relaxation and memorable moments with loved ones. Wood-look floors, recessed lighting, upscale ceiling fans, and sliding glass windows that merge indoor and outdoor activities are some features that you'll also adore. Hone your cooking skills in the sleek kitchen showcasing SS appliances with a wall oven, built-in ice maker, quartz counters, built-in ice maker, pristine white cabinets, a walk-in pantry, and a center island... Retreat to the luxurious primary bedroom, a true sanctuary with a lavish ensuite boasting dual sinks, a make-up vanity, a soaking tub, and a generous walk-in closet. Outside, the sizable backyard offers an array of potential for your creative landscaping ideas and tranquil neighborhood views. This gem will sell fast!

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7180 E Kierland Boulevard Unit 415 Scottsdale, AZ 85254

$1,399,900

2 Beds

2 Baths

1,657 SqFt

Status Active

MLS # 6752162

Property Type Townhouse

Price Type --

In the 7180 building of Optima Kierland, this 2 bed, 2 bath condo that graces 1675 sq. ft. It features open space, ample closets, and a picturesque patio space off the primary bedroom. East facing, the unit boasts tranquil mountain views and is bathed in natural light, thanks to floor-to-ceiling windows. The modern layout features Bosch appliances, including an electric oven and gas cooktop. Built in 2021. Original owner. It comes with two parking spots. The Sky Deck adds luxury with a heated pool, spa, and running track. Not to be outdone, an outdoor theater and fire pit featuring seating for beautiful nights. Right outside, Kierland Commons and Scottsdale Quarter offer dining and entertainment. A blend of luxury and optimal location, it offers the best of Scottsdale!

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