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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3902 E Alameda Lane Gilbert, AZ 85298

$1,125,000

4 Beds

3.5 Baths

2,897 SqFt

Status Active

MLS # 6777951

Property Type Single Family Residence

Price Type --

Discover the perfect blend of modern luxury and comfort in this stunning residence. As you step through the inviting entrance, you're welcomed into a spacious open-concept living area that exudes warmth and style, highlighted by expansive windows and plantation shutters for privacy. The gourmet kitchen is a chef's dream, featuring top-of-the-line stainless steel appliances, a grand island with a breakfast bar, and custom cabinetry. Whether hosting dinner parties or enjoying casual meals, the adjacent breakfast nook and formal dining area cater to every occasion. Retreat to the primary suite, a serene haven filled with natural light, high ceilings, and large windows. The spa-like en-suite bathroom boasts a glass-enclosed shower and dual vanities, while the expansive walk-in closet provides ample storage. The great room offers seamless indoor-outdoor living with double slider doors that open to an extended covered patio, perfect for entertaining or quiet evenings. In addition to the luxurious primary suite, you'll find generously sized secondary bedrooms, each with large closets and access to beautifully appointed bathrooms. The low-maintenance backyard oasis features artificial turf and no rear neighbors, creating a private setting for relaxation. This home includes a spacious three-car garage with custom epoxy flooring. Situated in the coveted Seville Golf & Country Club community, enjoy access to world-class amenities, including a golf course, clubhouse, fitness center, and resort-style pools. With shopping, dining, and top-rated schools just minutes away, this property is a true gem in the heart of Gilbert

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12728 E Jenan Drive Scottsdale, AZ 85259

$1,125,000

3 Beds

2.5 Baths

2,879 SqFt

Status Active

MLS # 6785953

Property Type Single Family Residence

Price Type --

Have you been looking for a great home in a great neighborhood? Search no more! This beautifully renovated 1-level home nestled at the base of the McDowell Mountains in Scottsdale's Via Linda corridor shines of pride of ownership with all the features you're looking for. The stunning arched iron entryway greets you with a hint of the exceptional quality you'll find inside: 3BD (split Primary) plus Den, 2.5BA, 12ft ceilings, remodeled kitchen open to family room, great formal room, 3-car garage and full-length covered patio overlooking the refreshing pool. Most of the home has been updated in stages between 2012-2022, including exterior paint, roof and a/c's, all tied together with beautiful espresso plank tile floors. Near BASIS, Mountainside Middle & Desert Mtn High Schools & trailheads.

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37313 N 15th Avenue Phoenix, AZ 85086

$1,125,000

4 Beds

4 Baths

2,799 SqFt

Status Active Under Contract

MLS # 6785552

Property Type Single Family Residence

Price Type --

Step into the heart of Desert Hills and discover a home that's as vibrant as the sunsets that light up the Arizona sky. This property perfectly combines rustic charm with modern comfort. From the moment you walk in, you'll be greeted by an open floor plan designed for easy living and entertaining. This 4-bedroom, 4-bathroom home spans a spacious 2,799 square feet, offering room for everyone. With stylish finishes and natural light pouring through every room, it's a haven for both relaxation and entertaining. The kitchen is a chef's dream, featuring top-notch appliances and plenty of counter space to whip up your favorite meals. Set on 2.28 flat and fully usable acres, the possibilities for outdoor living are endless. Whether you envision an arena for your horses, a pool, or simply an expansive retreat to enjoy the serene desert landscape, this property has room for it all. Special features include: - A 3-car garage with oversized 10-foot garage door perfect for your vehicles and toys. - A water softener system for ultimate convenience. - A shared well with a 2,500-gallon storage tank, ensuring a reliable water supply. - A generator that remains with the property, adding peace of mind for any power needs. The unique Mexicana Rose furniture adds a pop of personality to the home's aesthetic and can be yours through a separate bill of sale! It's the perfect way to keep the home's distinctive charm intact. Don't miss the opportunity to own this slice of North Phoenix paradise.

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10467 N Nicklaus Drive Fountain Hills, AZ 85268

$1,125,000

4 Beds

4.5 Baths

3,723 SqFt

Status Active

MLS # 6650953

Property Type Single Family Residence

Price Type --

Custom home on premium golf course lot in the highly sought after Desert Canyon Golf Course community. Home is loaded with windows and patio space to capture the breathtaking views in every direction. Home features include dramatic vaulted ceilings, massive bedrooms, and 4 car garage. Custom kitchen with top of the line appliances and breakfast bar. All 4 bedrooms have ensuite bath. Backyard space includes pool, hot tub, and deck space wrapping around the entire back of property. Situated on the 9th hole of the Desert Canyon golf course with views of Four Peaks and the Fountain Hills landscape.

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2206 E Sapium Way Phoenix, AZ 85048

$1,125,000

5 Beds

3.5 Baths

3,887 SqFt

Status Active

MLS # 6703828

Property Type Single Family Residence

Price Type --

Stunning former model w/ fantastic floor plan, mountain views & total privacy backing to Mountain Preserve. 2 suites w/ full baths, one up/one down, w/ 3 additional large rooms. Huge kitchen w/ double island, 2 separate sinks, espresso cabinets, granite countertops, and SS appliances. Master bath (down) w/ freestanding soaking tub & walk in shower w/ multiple shower heads. Roof replaced 2021 (15-yr warranty), new 5 ton HVAC for downstairs, hot water heater 2 yrs old, & water filtration/softener throughout! Backyard is private oasis w/ covered patio, sparkling pool + spa & fire pit. Nearby shopping, dining, hiking & top-rated schools. 20 min to Sky Harbor Airport. LOW HOA $198 semi-annually, offering biking/walking paths, pickleball, tennis, playgrounds, community pool and spa. LUCKY BUYER

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22808 S 132nd Street Chandler, AZ 85249

$1,125,000

2 Beds

2 Baths

1,077 SqFt

Status Active

MLS # 6713163

Property Type Manufactured Home

Price Type --

Private horse lover's paradise located in a county island in one of the most desirable zip codes in Chandler! This 2.247 acre property boasts eight 16' x 16' fully covered mare motel stalls, a 20' x 20' fully covered Stallion/Foaling stall with attached irrigated grass turnout, two additional irrigated grass turnouts, tack up stall/cross ties, a 150' x 175' arena with premium sand footing, mature shade trees and city water. This property has enough space to build your dream home and barn, but also includes an existing modular home that can be renovated and lived in while your dream home is being built! In addition, a 1.14 acre, MLS #6713160, abuts this property that can be purchased to expand the arena to 175' x 300', or simply build your own version of an equestrian paradise!

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420 W Adamanda Drive Phoenix, AZ 85086

$1,125,000

4 Beds

3.5 Baths

2,359 SqFt

Status Active

MLS # 6756967

Property Type Single Family Residence

Price Type --

MOTIVATED SELLERS ALL OFFERS CONSIDERED!! Santa Fe-style horse property, sprawling over an acre w/ no HOA—your opportunity to truly personalize your space. This custom-built, single-level home has been newly updated w/ nearly $200k in upgrades, enhancing its natural light-filled interior, cozy fireplace, & impressive kitchen. It features two primary bedrooms, two generous guest rooms, & tranquil backyard views. Step outside to a private oasis complete w/ a pool, spa, new gazebo, & a detached casita w/ a kitchenette & bath. W/ two RV gates, hookups, and zoning for an additional septic system, this property is perfect for all of your needs. Experience peaceful country living just minutes from shopping, Lake Pleasant, North Scottsdale, & world-class golf.

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8335 E Montecito Avenue Scottsdale, AZ 85251

$1,125,000

3 Beds

3 Baths

2,558 SqFt

Status Active

MLS # 6777531

Property Type Single Family Residence

Price Type --

Completely remodeled home in a quiet neighborhood yet so close to all that Old Town Scottsdale has to offer! Need a guest suite, adult children or aging parents moving in with you? This home has a perfect attached casita that can function as a separate casita or be part of your living area if you prefer! It has a kitchenette, living space and then bedroom w/ bath. Currently, owners use as guest room, office and game area. Open concept floorplan w/ gourmet kitchen boasting a 6 FT Brazilian Quartz wrapped Island/breakfast bar w/ designer cabinets and separate beverage center, SS appliances & range hood, Escape to oversized primary retreat w/ dream walk in closet and spa like bath w/ walk in tiled shower, dbl vanity. 2 sliders off the dining area leads to low maintenance backyard. 2 c ar garage w/ epoxy floor and extra parking space in driveway, too. Water softner and RO included as well as washer/dryer. Home shows like a model home, definitely move in ready!!! Enjoy the fabulous location, walking distance to the 11 mile greenbelt with walking trails, parks, athletic fields, 9 hole golf course, tennis and basketball courts and more! How about taking in a Spring Training game at the nearby Giants stadium? Old Town Scottsdale is famous for its restaurants, shopping experience and night life! This is more than a home, it is a lifestyle!!!

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1375 E Victoria Street Chandler, AZ 85249

$1,125,000

4 Beds

3 Baths

2,323 SqFt

Status Active

MLS # 6770286

Property Type Single Family Residence

Price Type --

Amazing one acre property with a pool, casita & private pickleball court! Main house is 4 bedrooms, 2 bathrooms + office with a total of 2,323 sqft. Casita has its own bathroom, laundry, kitchenette and is a total of 480 sqft. Kitchen was recently renovated and features a large butcher block island, mixed media flooring and a large beam that opens the space up to the living area. Primary bathroom updated with a huge walk-in shower, soaking tub and double sinks. Other recent updates include guest bathroom, flooring, exterior and interior paint, exterior siding, pickleball court, turf & more. Backyard is flood irrigated with citrus trees, sparkling pool, brand new pickleball court and an area for a grill!

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3336 E Mountain View Road Phoenix, AZ 85028

$1,125,000

3 Beds

3 Baths

2,538 SqFt

Status Active Under Contract

MLS # 6746792

Property Type Single Family Residence

Price Type --

Welcome to your dream home in Paradise Gardens, offering mountain views of the Phoenix Preserve. Whether you're sipping your morning coffee or entertaining guests you'll love relaxing on your spacious front patio. Step inside to discover vaulted ceilings and 16-ft double sliding doors in the great room, leading to a beautifully renovated home, both inside and out. This home perfectly blends modern luxury and comfort, featuring a stunning custom wood-burning fireplace and premium luxury vinyl plank flooring throughout, creating a warm and inviting atmosphere for lively gatherings or quiet, cozy evenings. The heart of the home is the completely modernized kitchen, with sleek cabinets, quartz countertops, stainless steel appliances, and an under-counter drawer microwave-ideal for... preparing meals and entertaining. Retreat to the primary suite, your private sanctuary with luxurious solid wood flooring and a spacious walk-in closet with built-in shelving. The spa-like en-suite bathroom boasts an oversized double shower with dual rainfall shower-heads, a free-standing tub, and a back-lit LED mirror. The secondary suite provides a haven for guests, featuring its own freshly remodeled bath and a private entrance to the backyard from the adjacent flex room. This space can be utilized as an office, a sitting area, a hobby room, or even converted into a kitchenette for an in-law suite or Airbnb. Step outside to your personal oasis. Relax on the oversized baja shelf in the completely remodeled pool, or host barbecues amidst lush landscaping and extensive paver patios. The circular driveway, with extended RV parking, offers ample space for guests and room for your toys. This stunning property, with NO HOA, promises both tranquility and convenience in one of the area's most sought-after locations. Whether you enjoy hiking, mountain biking, or easy access to endless shopping and culinary experiences, welcome to your new home on Mountain View Rd. where every detail is designed for your comfort and enjoyment.

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14034 N Coral Gables Drive Phoenix, AZ 85023

$1,125,000

4 Beds

4 Baths

3,014 SqFt

Status Active Under Contract

MLS # 6631495

Property Type Single Family Residence

Price Type --

Wow, just wow! Stunning property nestled against a mountain in the prestigious Moon Valley Community! This sleek,modern retreat exudes charm with its meticulously designed layout boasting wood floors, vaulted ceilings, and skylights that provide abundant natural light. Spacious living room, open concept kitchen and dining, 3 bedrooms and a separate fitness room with updated modern finishes throughout. Outside boasts an unbelievable resort-style backyard with pool & hot tub surrounded by amazing views. This home is a must-see beauty!

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1540 N Mariposa Road Flagstaff, AZ 86004

$1,125,000

4 Beds

4 Baths

3,873 SqFt

Status Active Under Contract

MLS # 6724027

Property Type Single Family Residence

Price Type --

Welcome to 1540 North Mariposa Rd! This stunning property is a true gem that offers a combination of comfort, style, and natural beauty. Curb appeal galore, you'll enter impressed by the enlarged Trex front deck, perfect for enjoying the beautiful Flagstaff weather and watching the deer graze with a peak view of the golf course. Entering you'll notice hickory hard wood floors that lead you to the formal living and dining room to the left and an office/bedroom on the right. From there you'll enter the great room a.k.a. ''the heart of the home!'' It touts high ceilings, a massive rock fireplace, a large breakfast nook, an Arizona room and a chef's dream kitchen. With modern appliances, ample storage space with pull out drawers, and a large island that serves as the perfect gathering spot for family and friends. Whether you're preparing a quick meal or hosting a dinner party, this kitchen has everything you need to make many great memories. The bedrooms in this home are spacious and comfortable, providing a tranquil retreat after a long day. The primary suite bathroom has a walk-in shower, separate soaking tub and a walk-in closet! There are 3 spacious guest bedrooms with a jack and jill bathroom. The 3-guest bedrooms also comes with a full bathroom and an additional flex room to be used for a workout space, extra tv room or for sleeping extra guests. But the true highlight of this property is its outdoor space. Step out onto the back patio, and you'll find yourself in a private oasis with three areas for dining and entertaining. The back is beautifully landscaped with split-rail fencing around the back perimeter. Whether you're enjoying a morning cup of coffee, hosting a barbecue, or simply taking in the stunning views, this outdoor area is sure to become your favorite spot. On colder days, you can still enjoy the backyard views by soaking in the sun from the Arizona Room! The location is perfect with easy access to a variety of Country Club amenities, outdoor activities, including hiking, biking, and skiing. With its proximity to the beautiful Coconino National Forest, you'll have endless opportunities to explore and enjoy the natural beauty of the area.

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