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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21873 E Saddle Court Queen Creek, AZ 85142

$624,995

3 Beds

2.5 Baths

2,500 SqFt

Status Active

MLS # 6731525

Property Type Single Family Residence

Price Type --

The single-story Cassandra plan showcases an open layout with a great room with a multi-sliding glass door, a breakfast nook, a large gourmet kitchen and a 2-car garage. The primary suite is adjacent, and boasts a generous walk-in closet and an attached bath with a large walk-in shower. Two additional bedrooms flank a full bath, and the nearby study.

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24021 N 172nd Avenue Surprise, AZ 85387

$624,995

4 Beds

3.5 Baths

2,840 SqFt

Status Active

MLS # 6732025

Property Type Single Family Residence

Price Type --

Welcome Home! Darius plan provides a sophisticated and accommodating plan for livability that checks all the boxes on your wish list. In addition to a lavish owner's suite—with a roomy walk-in closet and attached double-sink bath—this home includes a second owner's suite with an adjacent living room, perfect for multi-generational living. You'll also enjoy a 3-car garage, a study, a great room with a covered patio featuring a multi slide door to bring the outdoor living indoors. Inviting gourmet kitchen with a generous island, dining nook for all entertaining gatherings! Airy 10 ft ceilings ,desired jack and jill bathrooms and so much more! This home sits on an oversized cul-de-sac lot.

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25931 N 23rd Avenue Phoenix, AZ 85085

$624,990

3 Beds

2.5 Baths

1,976 SqFt

Status Active

MLS # 6758025

Property Type Single Family Residence

Price Type --

Welcome to the Peralta plan, offering 1,992 square feet of elegant living space with a charming Farmhouse exterior. As you step onto the pavers at the covered entry and into the home, the paint grade mission stair rail adds a touch of traditional craftsmanship while the 8' interior doors adorned with matte black door hardware. This home's kitchen and great room open up to a spacious outdoor space with a gas stub for BBQ, ensuring the possibilities of effortless outdoor entertaining. The heart of the home, the kitchen, features stainless steel GE appliances including an under-cabinet hood, a built-in gas cooktop with five burners, and a built-in wall oven and microwave with trim kit. The kitchen features white painted shaker cabinets featuring 42'' uppers and 3'' crown at the perimeter. The kitchen countertops are adorned with Della Terra slate grey quartz which are complimented by the Dal Tile - Brickworks 2x8 backsplash. A large single basin stainless steel sink with a Moen Spring kitchen faucet completes this chef's dream kitchen. All bathrooms and the kitchen feature two-tone black and champagne bronze cabinet pulls. Moen Gibson 8 widespread matte black premium finish faucets offer a beautiful contrast to the white cultured marble countertops with rectangular sinks. Throughout the downstairs and in bath 2 and the laundry upstairs, you'll find durable Dal Tile Hill House Natural 6x36 wood look tile, while the primary bathroom boasts AZ Tile Reside Matte Beige 12X24 tile. The primary bath also features an enlarged primary bath shower, perfect for unwinding after a long day. Moving upstairs, Shaw Kennfield carpet in the shade Ecru providing comfort and warmth. All flooring is elegantly trimmed with upgraded 4 ¼ baseboards. This home is complemented by a soft water loop located in the garage for added convenience. Union Park offers Tree-lined streets, pedestrian-friendly sidewalks and a 5,500 sf recreation center with resort style pool an kiddie pool, shaded ramadas, parks, gathering areas, pickleball courts and basketball. Close to I-10, 101 and 303. Walking distance to restaurants, movies, entertainment and shopping. Don't miss your opportunity to own this beautifully designed new construction home where luxury meets functionality.

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22717 E Lords Way Queen Creek, AZ 85142

$624,990

4 Beds

3 Baths

2,123 SqFt

Status Active

MLS # 6761308

Property Type Single Family Residence

Price Type --

4 CAR SUPER GARAGE!!! Do not miss the opportunity to own our lovely Opal plan featuring 4 bedrooms, a Den and 3 baths, Modern Desert home Not only will you be impressed with the expansive garage, this N/S homesite has a double gate and is large enough to build a wonderful backyard Oasis. The gourmet kitchen has light grey shaker cabinetry with extended dining cabinets, sleek stainless steele hardware, quartz countertops, and a glitensing tile backsplash. Wood plank tile floors are in the main living areas with designer tile floors in the primary bath; and the primary bath features an oversized shower with tile surrounds. The Opal floor plan offers flexibility with a bedroom, bath, and den separate from the other rooms for a guest suite arrangement. This home offers room for everyone and plenty of storage with the oversized garage, expansive 10' ceilings, & 8' interior doors. Additional convenience features include an electric car charging package, garage sink, preplumb for a sink in the laundry, laundry room to the primary closet, and added LED ceiling lighting. Gather at the community pool, hottub, pickle-ball, BarBQ's, Ramadas, or neighborhood park in our lovely Madera Community. When you choose to venture out for dining and entertainment, there are several options with Queen Creek Market Place a few short miles away and the new Frontier Family Park that is almost complete.

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26827 N 67th Drive Peoria, AZ 85383

$624,990

3 Beds

2.5 Baths

2,125 SqFt

Status Active

MLS # 6715116

Property Type Single Family Residence

Price Type --

This home is now complete and ready to make it yours! Experience the charm of Aloravita, nestled within the scenic mountains of Peoria. This community boasts breathtaking views and is conveniently located minutes away from shopping, dining, hiking trails and more! Our popular 'Barstown' floorplan features 3 full bedrooms, 2.5 bathrooms, 2 Car-Garage and a private yard with views! Designer selected finish includes Burlap Cabinetry, Quartz Kitchen Countertops, Wood Like Tile Throughout, and Plush Carpet in all the bedrooms. This beautiful home will have it all including 9' ceilings, Gourmet Gas Kitchen, Smudge Proof Stainless Steel Appliances, Blinds, Pre-Plumb for Soft Water, and Smart Home Technology. Interior photos of similar spec, options may vary**

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20147 W Mulberry Drive Buckeye, AZ 85396

$624,990

3 Beds

2 Baths

2,397 SqFt

Status Active

MLS # 6678219

Property Type Single Family Residence

Price Type --

QUICK MOVE-IN HOME! MOVE INTO YOUR NEW HOME BEFORE THE HOLIDAYS! SPECIAL FINANCING WITH BELOW MARKET INTEREST RATES AVAILABLE! MOVE-IN PACKAGES AVAILABLE! PLEASE INQUIRE ABOUT THESE SPECIALS ON THIS QUICK MOVE-IN HOME AND OTHERS. ACT SOON BEFORE IT IS TOO LATE! It's our Carmona sitting on a LARGE lot with over 12,300 sq. ft. and an 8' gate. 3 bedrooms, study, 2 baths, 2 car with storage area. 12'x8' sliding glass door that leads out to the extended covered patio. Stainless steel gas double oven appliance package with a 36'' cooktop and canopy hood. Sonoma Maple Painted ''Linen-off white'' cabinets with 42'' kitchen uppers and pull out trash drawer. DT Quartz Evening Gray countertops with a stainless steel undermount single bowl sink. Upgrade flooring includes EMS Beaumont 7x24 Bosso tile in all areas of the home except beds/closets. Dual sinks at bath 2. Garage service door, stub out for future BBQ and so much more. Please verify all information with onsite agent . Thank you!

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29403 N 31st Lane Phoenix, AZ 85083

$624,990

4 Beds

3 Baths

2,105 SqFt

Status Active

MLS # 6771893

Property Type Single Family Residence

Price Type --

Ask about special financing with preferred lender. This single-level home showcases an attached private suite, which is comprised of a separate living space, kitchenette, bedroom and bathroom, ideal for multigenerational living. In the main home, the Great Room, kitchen and dining room are arranged among a convenient open floorplan, with sliding glass doors that lead to the covered patio. The owner's suite is situated at the back of the home, while two bedrooms are found off the foyer. Photos are renderings of a model home, not the actual home. A public report is available on the Arizona Department of Real Estate website.

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2204 E Kelly Drive Gilbert, AZ 85298

$624,990

4 Beds

2 Baths

1,793 SqFt

Status Active

MLS # 6759517

Property Type Single Family Residence

Price Type --

Nestled in the gated community of Belrose, this stunning Gilbert home offers the ideal blend of style & comfort. Wood-look tile flooring with plush carpeting in all the right places, recessed lighting, & modern fixtures & design elements throughout. The bright, open kitchen boasts white cabinets, sleek stainless steel appliances, quartz countertops, RO System, & a walk-in pantry. The spacious primary bedroom features an ensuite with walk-in shower & dual vanity. Enjoy AZ living in your backyard with a covered patio, pavers, & a dog run. Also included, a convenient doggy door, a 2-car garage with extra storage & water softener/whole house filtration system. Situated in an incredible central location, this home provides easy access to highways, top-rated schools, shopping, dining, & more!

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3537 Plaza De La Rosa -- Sierra Vista, AZ 85650

$624,990

3 Beds

2 Baths

2,412 SqFt

Status Active

MLS # 6781271

Property Type Single Family Residence

Price Type --

MUST SEE, WONT LAST LONG!! A beautiful 3 bed, 2 bath residence in La Terraza is now for sale! Boasting a stunning facade w/stone accents, low-care landscape, a 3 car garage, and RV gate, it's sure to be the home for you! Inside you will find a spacious semi-open floor plan w/elegant wood-look flooring, vaulted ceilings w/skylights, neutral palette, and a warm fireplace. The kitchen is equipped w/ample wood cabinetry, tile counters & backsplash, a pantry, built-in appliances, a breakfast nook w/a lovely bay window, and a breakfast bar. End your busy day in the primary bedroom, boasting a 3-way fireplace, a walk-in closet, and a full ensuite w/dual sinks. Don't forget about the cozy bonus room, ideal for a lounge or entertainment center! Feel safe in this beautiful gated community. Lastly, the wonderful backyard includes a covered patio, a convenient storage shed, artificial turf, a seating area w/a ramada, and a sparkling blue pool!

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12643 W Roanoke Avenue Avondale, AZ 85392

$624,970

3 Beds

2.5 Baths

2,494 SqFt

Status Active

MLS # 6783118

Property Type Single Family Residence

Price Type --

Welcome to Rancho Santa Fe! This 3-bedroom, 2.5-bath residence features a 2-car garage, an RV gate, and a low-maintenance yard. You're greeted by a cozy living room with a soothing palette, plantation shutters, recessed lighting, and tile flooring. The family room has an inviting fireplace and double French doors leading to the backyard. The delightful eat-in kitchen comes with granite counters, crisp white cabinetry with crown moulding, a stone tile backsplash, SS appliances, a handy pantry, and an island with a breakfast bar. The bright main bedroom boasts vaulted ceilings, plush carpeting, balcony access, an ensuite with dual sinks, and a walk-in closet. Venture out onto the balcony, which offers serene views of the surroundings. The enchanting resort-style backyard showcases a covered patio, a lovely gazebo, a built-in BBQ, an outdoor fireplace, a putting green for golf enthusiasts, and a relaxing spa and pool combo. Make this gem yours now!

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8532 W Rancho Drive Glendale, AZ 85305

$624,950

5 Beds

3 Baths

2,871 SqFt

Status Active

MLS # 6734484

Property Type Single Family Residence

Price Type --

GORGEOUS 5BDRM/3BATH HOME IN MINT CONDITION W/UPGRADES GALORE!! SOARING CEILINGS & EXTENSIVE USE OF PLANK FLOORING GREET YOU AS YOU ENTER THIS OPEN & SPACIOUS FLOORPLAN! BEAUTIFUL GOURMET KITCHEN W/42' CABINETRY & QUARTZ CNTRTOPS W/LRG WATERFALL ISLAND/BRKFAST BAR - UPGRADED SS APPL, DBL OVEN, HOODED STOVE & PENDANT LIGHTING - LRG MSTR SUITE W/GLASS WALK-IN TILED SHOWER - FIBER OPTIC INTERNET - PAVERED DRIVE & WALK-WAY, COVERED PATIO + HOME CLOSE TO THE NEW MATTEL ADVENTURE PARK, CARDINALS STADIUM, SHOPPING, RESTAURANTS, ENTERTAINMENT & MORE!! A MUST SEE!!

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16213 N 9th Place Phoenix, AZ 85022

Open House

$624,950

3 Beds

2 Baths

1,910 SqFt

Status Active

MLS # 6745175

Property Type Single Family Residence

Price Type --

BLACK FRIDAY BLOW OUT PROMOTION!! Submit the Black Friday Coupon in the documents tab with your offer to receive $7,500 off the listed price!! All written offers must be submitted with the coupon by 11:59 pm on Sunday, December 1st to receive this promotion. NO EXCEPTIONS! BUYER COULD NOT PERFORM-BACK ON MARKET!!! Brand new roof!! Welcome to this beautifully remodeled 3-bedroom, 2-bathroom ranch-style home at 16213 N 9th Place! Located in a peaceful cul-de-sac, this 1,910 sq. ft. home features an open concept living space with a split floor plan, luxury vinyl plank wood-look floors, a custom kitchen with a large island, coffee bar, and white cabinets that complement sleek silver appliances. The dual shower primary bathroom with elegant double sinks add a touch of luxury. Outside, enjoy the covered patio, oversized backyard, RV parking, and desert landscaping. The community offers a private park, playground, and green belt, and it's just minutes from Lookout Mountain with easy access to the I-17 and 51 freeways. This home has it all!

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