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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1960 E Blackhawk Drive Gilbert, AZ 85298

$1,390,000

4 Beds

4.5 Baths

4,343 SqFt

Status Active

MLS # 6783512

Property Type Single Family Residence

Price Type --

This stunning single-story estate home in the gated Marathon Ranch community in Gilbert offers a luxurious living experience with no detail overlooked from the time you enter your private courtyard's iron gate. This 4 bed, 4.5 bath, 4 car garage property is one of the largest in the community with elegant premium upgrades throughout and boasts a separate office, bonus flex room, a formal dining room and breakfast nook. The gourmet chef's kitchen and great room features soaring ceilings with double stacked glass front cabinets, Sub Zero built-in fridge, gas cooktop and 90 degree corner slider doors to the resort backyard with sparkling pool by Presidential Pools. Primary suite features dual closets, soaking tub and tiled shower. Homes this special are rare - don't miss the upgrades list!

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37030 N Tree Lined Trail Carefree, AZ 85377

$1,390,000

4 Beds

3 Baths

3,924 SqFt

Status Active

MLS # 6692821

Property Type Single Family Residence

Price Type --

Stunning views from nearly every window in this 3924 square foot desert estate located on 1.49 acres! Experience luxury and privacy with miles of mountain views, city lights, and sunsets. Split floor plan and quality construction. A generous chef's kitchen features double ovens, wine fridge, island, and breakfast bar. The backyard oasis includes heated pool and spa with a waterfall feature, kiva fireplace, built-in bbq, and unobstructed views. Exquisite setting for relaxing or entertaining. 3 car garage, two way fireplace family room fireplace, and so much more. Experience the beauty of quintessential Arizona living

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1911 N 169th Avenue Goodyear, AZ 85395

$1,390,000

3 Beds

2.5 Baths

3,134 SqFt

Status Active

MLS # 6729181

Property Type Single Family Residence

Price Type --

As you enter the home, you are immediately greeted by stunning upgrades and high-end finishes that are sure to impress. The expansive great room offers ample space for relaxation and entertaining, while the chef's kitchen is a dream come true for any culinary enthusiast. Step outside to your private oasis featuring a pristine saltwater pool, perfect for relaxation or entertaining. Golf enthusiasts will delight in the custom putting green, while the spacious covered patio and built-in BBQ area is ideal for hosting gatherings. The home's prime location offers breathtaking lake views, as well as stunning vistas of the 14th green and 15th tee box. Owned Solar. From top to bottom, this residence has been thoughtfully designed to offer unparalleled comfort and sophistication. It's truly a place where timeless charm meets modern luxury, creating an unmatched living experience for those lucky enough to call it home. Living in PebbleCreek Golf Community means access to top-notch amenities, including 3 world-class golf courses, 36 pickleball courts, and a vibrant social scene.

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30009 N 58th Street Cave Creek, AZ 85331

$1,390,000

3 Beds

2.5 Baths

3,391 SqFt

Status Active

MLS # 6739883

Property Type Single Family Residence

Price Type --

Welcome to your private oasis—an exquisite estate nestled on two sprawling acres of lush, manicured grounds. Elegantly gated and approached by a long driveway, this meticulously maintained residence radiates pride of ownership. The estate boasts an impressive array of features, including ample parking space for all your vehicles and recreational toys. A generous 5-car parking area on a sturdy slab complements the massive 4-car garage with three doors, providing abundant room for your prized collection. The property offers additional potential with ample space for a guest house, detached garage, or even equestrian facilities. Step inside this impeccably appointed home and discover a thoughtfully designed split floor plan that effortlessly combines comfort and style. The chef's kitchen is a culinary dream, equipped with a Sub-Zero refrigerator and a Viking oven, perfect for crafting gourmet meals. Adjacent, the expansive family room invites relaxation with its warm fireplace and abundant natural light, creating an ideal space for gatherings and cozy evenings. The master suite serves as a sanctuary of luxury, featuring a spacious layout and an oversized bathroom that epitomizes indulgence. Enjoy the convenience of separate his and hers water closets, complete with a bidet, ensuring a private and serene retreat. Despite its serene, secluded feel, this remarkable estate offers the ultimate convenience, placing you just minutes away from vibrant shopping and dining options. Experience the perfect blend of seclusion and accessibility in this enchanting home that truly embodies the essence of refined living.

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129 E Foothill Trail Williams, AZ 86046

$1,390,000

3 Beds

2 Baths

2,239 SqFt

Status Active

MLS # 6753024

Property Type Single Family Residence

Price Type --

Welcome to one of the most exquisite homes Williams has to offer. Nestled in the heart of the Pines and located in the highly desirable subdivision of Mountain Shadows. This custom owner build offers everything you are looking for in a mountain getaway. The sweeping, covered decks usher you in to the front entrance. The home offers vaulted ceilings with touches of tongue and groove. Three oversized bedrooms and a large den that could be converted into a bonus room. The primary bedroom is abundant in space and offers an en-suite bathroom. The primary bath has dual vanity's and a custom walk-in shower. The kitchen is a master piece featuring custom cabinets and custom granite backsplash that is a work of art. Move into the open living room and cozy up by the wood stove on those cold winter nights. The covered back deck overlooks the gorgeous scenery. The property also features an attached two car garage and a separate RV garage! Attached to the RV garage is separate guest quarters! With a partial bathroom and kitchen downstairs and a loft upstairs. The RV garage also features additional covered parking spaces for toys or equipment. The property is situated perfectly towards the end of the subdivision with easy access to the Forest Service. Just minutes from the surrounding lakes, forest and downtown Williams! This is a dream property in one of the most desirable areas of Williams! Don't miss out on this amazing opportunity!

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3302 N 63rd Street Scottsdale, AZ 85251

Open House

$1,390,000

5 Beds

4 Baths

2,959 SqFt

Status Active

MLS # 6784323

Property Type Single Family Residence

Price Type --

Classically charming Ranch style home in one of the most coveted neighborhoods of 85251. Located on the southern border of Arcadia proper, minutes from Old Town Scottsdale & Fashion Square. This home is a rare find that caters to the diverse needs of modern families with opportunity for multi-generational living, lock & leave or income earning property. Impeccably maintained, this 5-bed, 4-bath residence offers timeless curb appeal in one of South Scottsdale's most idyllic neighborhoods. The heart of the home is an open-style living area, dining room & newly updated kitchen. With three of five bedrooms offering ensuite bathrooms, including a large primary with private office/sitting room and separate W/D. The 5th Bedroom provides flexibility to be used as a media room, den or playroom Enjoy outdoor entertaining with a deep covered patio, custom sunshades, built-in BBQ, and a fenced-in pool & easy maintenance yard. Air-conditioned, oversized 2-car garage PLUS two generous storage rooms. 2023 roof (with transferable warranty), newer A/Cs, Water Heater, Rain Gutters, updated electrical & lighting. Perfectly situated minutes from Fashion Square, Old Town, Arcadia High School/Veritas Charter School, Arizona Country Club. Camelback Mountain & Papago Park.

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906 N Blazing Star Circle Payson, AZ 85541

$1,389,999

3 Beds

3.5 Baths

2,816 SqFt

Status Active Under Contract

MLS # 6784130

Property Type Single Family Residence

Price Type --

UNDER CONSTRUCTION...Come enjoy luxurious living in Chaparral Pines Golf Club, the prime gated development in Payson. Single-story living offers practical elegance in this classic 3-bedroom, 3.5-bathroom home. Enjoy spectacular mountain views. Step from the welcome mat into an interior embrace that includes hardwood flooring throughout most of the home, an open layout, neutral decor, and two fireplaces (living room and primary bedroom). The kitchen is bright with premium appliances, beautiful countertops, and ample pantry space. The kitchen opens seamlessly into the dining area and Great room. The calm primary bedroom includes a walk-in closet and a private bath with a tub and walk-in shower. The other two bedrooms are ensuite and ready to reflect your good taste in decor.

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1108 N Indian Paintbrush Circle Payson, AZ 85541

$1,389,500

4 Beds

4 Baths

4,302 SqFt

Status Active

MLS # 6668344

Property Type Single Family Residence

Price Type --

Luxury log cabin mountain home. Situated inside the gates of Chaparral Pines Golf Club. A nearly 3/4-acre corner lot with its own private gate leading to the national forest. The unbelievable floor to ceiling stone fireplace is a centerpiece of this 4-bed, 4-bath, Alpine log home featuring a hickory-wood floor and a gourmet kitchen. The separate 2-bedroom guest quarters with a living room and a kitchenette allows family and friends to have their own space while visiting. The expansive back deck provides a relaxing sitting area to view all the visiting wildlife from the forest.

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8224 E Angel Spirit Drive Scottsdale, AZ 85255

Open House

$1,389,000

3 Beds

2 Baths

2,306 SqFt

Status Active

MLS # 6745115

Property Type Single Family Residence

Price Type --

Step into a world of luxury with this sensationally remodeled home in the exclusive guard-gated Grayhawk community, where modern elegance meets timeless style. The moment you walk in, you'll be captivated by the rich wood plank laminate flooring that flows seamlessly throughout the space, setting the stage for what's to come. The heart of the home, the kitchen, is a masterpiece of design. Imagine creamy cabinetry that stretches all the way to the ceiling, adorned with the latest slimmer stile and rail, paired with chic contemporary hardware. The large quartz-topped island, with its contrasting base cabinetry, comfortably seats four—perfect for casual dining or entertaining. A large custom range hood crowns the space, complementing the striking contemporary backsplash, while brand-new stainless appliances, including a gourmet gas cooktop, complete this chef's dream. The great room is a showstopper, featuring a ceiling-height stacked stone accent wall that surrounds a sleek new linear fireplace. Built-in display shelving, designed to coordinate with the kitchen's features, adds both functionality and flair. Retreat to the primary bedroom suite, where luxury abounds. It boasts not one, but two walk-in closets, a huge tiled walk-in glass shower, and an extensive quartz vanity with dual sinks, flanked by linen cabinets. Every detail is designed for comfort and style. The guest bathroom makes a statement with its dramatic darker tile and quartz countertops, while the third bedroom, with double doors and a walk-in closet, offers versatility for any need. The laundry room is a dream, complete with a window, sink, and a generous walk-in pantry. Even the two-car garage is exceptional, featuring an epoxy floor and ample storage cabinets. Step outside to the backyard, and you'll find your private oasis with a recently remodeled spool, an elevated seating area, a covered patio, and lush landscaping that invites relaxation. Living in this Talon Retreat home with guard-gated entry is like being on a permanent vacation with access to community amenities such as a pool and spa, grassy play area for children and pets, tennis courts, walking trails, and the breathtaking McDowell Mountain setting. Plus, you're just steps away from two world-class Grayhawk golf courses. This is more than a home; it's a lifestyle.

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16488 W Windsor Avenue Goodyear, AZ 85395

$1,385,000

3 Beds

3.5 Baths

2,974 SqFt

Status Active

MLS # 6771582

Property Type Single Family Residence

Price Type --

Killer Location. Arguably THE BEST LOT in PebbleCreek w TONS OF UPGRADES & DETAILS. Lake View, Mountain View, Golf Course view w/out cart path or golf balls. Oversized lot, Casita w kitchenette & courtyard water feature, Granite Kitchen countertops, Marble bathrooms, GE Monogram appliances, built in speakers, mini split in Laundry room, laundry sink, Owned solar TILES & lease on additional panels. Generac back up generator powers entire home. Air filtration & variable speed system built into the HVAC. Automatic fertilizing irrigation system, plantation shutters & crown molding throughout, 12 ft coffered ceilings, Patio w Travertine, built in BBQ w bar seating, Fire place, mister system, 3 car garage w bump out, service door to side trash can area, storage cabinets, ceiling racks & sink.. Instant Hot water, 4 ft garage extension, soft water loop, custom cabinets in kitchen bathrooms & laundry room, jetted tub & walk in shower in master bath, Elongated comfort height toilets, Custom front door, steelhouse garage doors w windows, pigeon patrol wiring, ceiling fans & window treatments, drop lighting in kitchen, sliding doors off of Kitchen, Office Den & back patio, added insulation, Ring door bell, Nest thermostats, Extended solar inverter warranty, New irrigation lines, built in dining room cabinets & hutch, garage door keypad, utility sink in garage, additional outlets installed, entertainment center w fire place, under cabinet lighting in Kitchen, security system, back splash, tons of cabinets & counter space in large laundry room, landscape lighting, outdoor spotlight for artwork, exterior repainted in 2021 & so much more... This is the dream home that has it all.

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22426 N 30th Street Phoenix, AZ 85050

$1,385,000

3 Beds

3.5 Baths

2,875 SqFt

Status Active

MLS # 6783351

Property Type Single Family Residence

Price Type --

This exquisite, newer home in the exclusive gated community of Asterea offers luxurious living with all the modern comforts you could ever wish for. Step inside and enjoy the beauty of wood-look tile flooring throughout, providing both elegance and durability. The chef's kitchen is a showstopper, featuring a massive waterfall island, double ovens, and a generous walk-in pantry — perfect for preparing gourmet meals and entertaining guests. Each of the three spacious bedrooms boasts its own private ensuite, ensuring ultimate comfort and convenience for everyone. A stylish powder room adds to the home's thoughtful design. The open-concept great room is ideal for relaxing or entertaining, with custom built-ins that enhance the space, plus a unique bookcase/Murphy bed combo in the large den/office, offering flexibility for your lifestyle needs. The entire home is fitted with plantation shutters, creating a bright and airy atmosphere while adding an elegant touch. Outside, the custom-designed backyard is a private oasis, featuring a heated pool with a Baja shelf and water feature, along with a pergola and raised firepit  perfect for cozy evenings or hosting friends and family. Living in Sky Crossing offers more than just a beautiful home; it's a lifestyle. The community amenities include a resort-style center with pools, a state-of-the-art fitness facility, and fun-filled play areas. Top-rated schools are nearby, and with easy access to the freeway, you're just moments away from all the best shopping, dining, and entertainment. This home is the ultimate in comfort, style, and convenience  don't miss your chance to make it yours!

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11474 E Aster Drive Scottsdale, AZ 85259

$1,385,000

4 Beds

3.5 Baths

3,100 SqFt

Status Active

MLS # 6755999

Property Type Single Family Residence

Price Type --

This beautiful single-level home in the Ancala Country Club community offers unobstructed mountain views and a tranquil setting. With 4 bedrooms, 3.5 baths, and soaring ceilings, the home features a thoughtful split floor plan perfect for comfortable living and entertaining. The spacious eat-in kitchen flows seamlessly into the family room, creating a welcoming space for gatherings. The primary suite boasts generous closet space and opens directly to a backyard oasis with a sparkling pool, waterfall, heated spa, outdoor kitchen, gas grill, and cozy seating by the fireplace. Residents can also enjoy optional country club living with golf, dining, and more. Set on a premium lot, this well-maintained home is ready for you to make it your own.

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