Buy Your Home Today: Understanding Why It’s a Bad Idea to Try and Time the Mortgage Market

It’s often the case that people will opt to postpone home ownership until the best rates are available or it’s a more stable investment, but in an ever-shifting market it may not be the best decision to put such a sizeable investment off. If you’re wondering whether or not you should put off investing in a home, here are some reasons you may want to start putting your time into searching for a home.

Interest Rates Always Fluctuate

While interest rates are constantly changing and have certainly risen since the economic recession of 2008, they still remain relatively low and this can make investing in a home an even better financial decision. There are no certainties that market rates will remain low, but given a lower monthly payment and the easier qualifications nowadays to acquire a loan, the present may be the best time to start investing in your own place.

Investing Early Reaps Financial Rewards

It’s easy enough to wait for a lower home price or even improved interest rates, but there is no guarantee that the market will shift down. In the meantime, you may be spending at lot of your monthly paychecks on rent. If home ownership is one of your goals in life and you’re living month to month with a high rental payment, investing money into a home is a sure way to gaining equity for the future, even in the event that the market shifts up.

It’s A Good Time To Buy

When it comes to the market, there may always be a time coming when you’ll get a better deal, but the fact remains that homes tend to remain on the market a lot longer these days and it’s largely a buyer’s market. There are no guarantees that you’ll be able to find the house you want at the price you can afford, but there are a lot of good deals to be found these days and investing sooner is an opportunity to reap financial rewards down the road.

Many people hold off on home ownership because they are waiting for prices to come down or interest rates to change, but the sooner you invest in a home, the more you can benefit from investing into something that is entirely your own. If you’re currently perusing the market for a home at a price you can afford, give me a call – J.P. Cook – 602-320-4253.

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Sort by: Select Price, Low to High Price, High to Low Newer Listings First Older Listings First Open House Date

5543 E Olesen Road Cave Creek, AZ 85331

$1,415,000

4 Beds

3.5 Baths

3,038 SqFt

Status Active

MLS # 6659555

Property Type Single Family Residence

Price Type --

Ready for move-in! Contemporary NEXTGEN Builders home: 4BD +office/den, 3.5BA, high-quality luxury with many upgrades. See attached for included features. Oversized 2-Gar with attached 46' RV Gar with 12x14 RV door, on 1+ acre. No HOA, paver front sidewalk & driveway apron, large kitchen island, upgraded SubZero/Wolf appliance Pkg:, Gas Range, Microwave Drawer, 48'' Subzero Refrig, Quartz counter tops throughout. Many upgrades, all bedrooms have walk in closets. Owner's bath has large entry shower with standalone tub and double sinks. 8' doors throughout, nicely finished. Energy efficient Spray foam insulation, 2x6 framed and fully sheathed exterior, post tension foundation, Pictures are from recently completed model home. Buyer to verify all facts.

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2200 E Nolan Place Chandler, AZ 85249

$1,409,628

4 Beds

4.5 Baths

3,705 SqFt

Status Active

MLS # 6754060

Property Type Single Family Residence

Price Type --

Quick Move-in Ready Home! McKinley Glenn is an intimate gated enclave of luxury single-level homes offering modern home designs by Cachet Homes. Welcome to this stunning Ascent Plan boasting 4 bedrooms, 4.5 baths, game room, den, this residence is designed for comfort and style. Situated on a North/South corner lot this home features a Gourmet kitchen with modern appliances and ample counter space, a game room perfect for entertainment and relaxation, spacious great room with 20' stacking door inviting the outdoor living spaces inside, en-suite baths for every bedroom, high-end finishes and upgrades throughout the home, and 4-car garage for ample storage and parking. Community amenities include a recreation area with Ramada and cornhole, close proximity to shopping centers, schools, restaurants, and other conveniences, ensuring a convenient lifestyle. Don't miss out on this incredible opportunity to own a luxury Cachet Home in a prime location.

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43712 N Acadia Way New River, AZ 85087

$1,407,900

3 Beds

2.5 Baths

2,455 SqFt

Status Active

MLS # 6758310

Property Type Single Family Residence

Price Type --

Former gorgeous model home! Welcome to The Tierra Hacienda, a distinguished single-story residence that exemplifies luxury and thoughtful design. Spanning 2,455 square feet, this home offers 3 spacious bedrooms, 2.5 bathrooms, and a 2-car garage, all nestled on a sprawling 16,800 sq ft homesite with breathtaking mountain views. Included is a 50 x 16 RV Garage: Ample space for your recreational vehicle and additional storage. Plus a 280 sq ft Casita with Kitchenette. Every detail of The Tierra Hacienda has been meticulously crafted to offer a refined living experience. This residence is designed for both grand entertaining and serene living.

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103 E Quartz Rock Road Phoenix, AZ 85085

$1,400,000

4 Beds

3.5 Baths

3,200 SqFt

Status Active

MLS # 6656213

Property Type Single Family Residence

Price Type --

MODEL HOME ... NEVER LIVED-IN ... 1.5 Acres ... Move-in Ready ... Mountain Views in a quiet neighborhood, yet just 5 minutes from the 101, I-17 & Norterra ... Just 2 blocks from the Sonoran Preserve ... No HOA ... Gourmet kitchen consists of quartz countertops, premium appliances, luxury backsplash, massive island, veggie prep island and custom coffee bar/butler area ... Two Master Bedrooms.

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9665 N Stagecoach Drive Williams, AZ 86046

$1,400,000

3 Beds

3.5 Baths

3,326 SqFt

Status Active

MLS # 6760623

Property Type Single Family Residence

Price Type --

Welcome to your serene ranch retreat, sprawling across nearly 29 acres with stunning mountain views. Rain collection for water supply, NEW METAL ROOF +$100k in recent updates! This home is perfect for equestrians, the property includes a 2500sqf barn+ 2000sqt covered paddock &5 acres of fenced land. Nestled in nature, the estate is a sanctuary for local wildlife all surrounding a 3,300+ sqft custom built home. Seamless indoor-outdoor living, each of the 3 spacious bedrooms offers an ensuite bathroom and access to covered patios, indoor&outdoor fireplace blending luxury with the beauty of the outdoors. This property is fully equipped for modern convenience and adventure. A 2000sqft RV shed with a full bath provides extra space for guests or storage, while a 2000sqft workshop greenhouse caters to projects and hobbies. The barn features horse stalls, a tack room, and hay storage, while the 5-acre fenced arena and paddock complete the equestrian setup. Located just 30 miles from the Grand Canyon and minutes from Williams, you'll enjoy endless outdoor activities like hiking, biking, and kayaking at nearby Kaibab Lake. Entering through a secure electronic gate, you're greeted by a grand custom Italian wrought iron door, leading to heated tile floors, rock archways, and crystal chandeliers inside. The chef's kitchen is fully equipped, while the three master suites offer luxurious en-suite bathrooms and fireplaces. This estate is the perfect blend of comfort, privacy, and adventureyour peaceful, luxury ranch awaits.

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24610 N 102nd Avenue Peoria, AZ 85383

$1,400,000

5 Beds

4.5 Baths

4,964 SqFt

Status Active

MLS # 6765674

Property Type Single Family Residence

Price Type --

Gorgeous custom home on 1.39 acre North Peoria lot, bordering open state land, with beautiful mountain views! This nearly 5,000sf home features a stunning gourmet kitchen with expansive breakfast bar island and lovely rustic finishes. This basement home offers split floorplan on the main level, with two bedrooms to one side, and on the other, the large master suite with walk in closet, french doors to the backyard, and cozy 2 way fireplace to the big soaking tub. Formal dining and eat-in kitchen with greatroom layout provide excellent space for entertaining. Basement level features theater space with projector/screen, wet bar, 2 additional bedrooms and additional full bath. Outside you will find the huge covered patio, sparkling pool, gazebo, planters, coop, and space for your additions!

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517 W Granada Road Phoenix, AZ 85003

$1,400,000

4 Beds

3 Baths

2,262 SqFt

Status Active

MLS # 6782129

Property Type Single Family Residence

Price Type --

Step into a piece of history with this meticulously remodeled 1941 home nestled in the highly sought-after Willo Historic District. This residence perfectly blends timeless charm with contemporary elegance while honoring its rich heritage. The heart of this home is the expansive, fully remodeled, open kitchen and two living areas, designed for both family gatherings and entertaining guests. The chef's kitchen is a true showstopper, featuring custom walnut cabinetry, a large kitchen island with soapstone countertops, custom tile work and a separate beverage fridge. Culinary enthusiasts will appreciate the premium Bertazzoni gas range. The primary suite is fantastic with its elegantly appointed bath, double sinks, large shower and large walk-in closet and doors to the outdoor living room. The split floorplan with three additional bedrooms and 2 more baths offers flexibility for a growing family, home office, or guest quarters. The home's bathrooms have all been completely remodeled with modern touches, blending style and functionality. The outdoor living room is perfect for al fresco dining, morning coffee, or evening cocktails in front of the TV and outdoor fireplace. Enjoy peace of mind with all new plumbing, electrical, windows, roof and sewer line. This home truly offers the best of both worlds: the character and craftsmanship of the past with the convenience and style of today. Willo Historic District is renowned for its annual home tour, where residents open their doors to showcase the neighborhood's unique architectural styles. Living here means becoming part of a tight-knit community that values preservation and pride of ownership.

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6523 E Lonesome Trail Cave Creek, AZ 85331

$1,400,000

4 Beds

3.5 Baths

3,595 SqFt

Status Active

MLS # 6771859

Property Type Single Family Residence

Price Type --

Stunning views, exceptional quality paired with an abundance of space and privacy! No HOA providing freedom for horses, garage addition, bar, or entertaining space. The home is built with timeless finishes, quality construction, single level four bedroom (dual primary suites), three & a half bath, and three car garage. Enjoy mountain views and sunsets from the roof top view deck, gated/stucco privacy yard, indigenous wash which emphasize the serene desert solitude. This home is located on County Island, and can be used as an Airbnb or VRBO. You do not want to miss this Cave Creek gem! Seller willing to carry / Seller Financing Available 20% down INTEREST ONLY / 5% / 2 year balloon.

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2003 E Clubhouse Drive Phoenix, AZ 85048

$1,400,000

5 Beds

3.5 Baths

3,812 SqFt

Status Active

MLS # 6773388

Property Type Single Family Residence

Price Type --

Prepare to be amazed! Check out this wonderful 4 bed, 3.5 bath residence now on the market! Great curb appeal, a manicured landscape w/lush natural turf, a 5 CAR GARAGE w/built-in cabinets, and a paver driveway are just the beginning. Discover a spacious living area w/soaring ceilings, luxurious fixtures, plantation shutters, and custom palette throughout. Continue into the large family room, featuring a wood-burning fireplace to keep you warm during the chilly winter months. The gorgeous kitchen is equipped w/everything the aspiring chef needs, espresso cabinetry, granite counters, tile backsplash, pantry, subzero appliances, large island, and a breakfast nook w/a serving window & bar. Double doors open up to the primary bedroom, showcasing private outdoor access, a 2nd fireplace, a walk-in closet, and a lavish ensuite w/dual sinks. Upstairs you will find your very own private theater room with Dolby Atmos surround sound and 140 screen, a wet bar w/ balcony access, perfect for movie nights w/friends & loved ones! Lastly, the resort-like backyard includes a covered patio, view fence, extended seating pool side in the walk down gazebo w/a built-in BBQ, hot tub, and a sparkling blue pool w/a rock waterfall & additional water features, lights and fire features! Cozy up to the fire pit on cold nights and take in the amazing views all around. Home features full ensuite of home automation control for everything from all the interior lights and fans to all the pool features.

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615 W University Drive Mesa, AZ 85201

$1,400,000

3 Beds

1.5 Baths

1,386 SqFt

Status Active

MLS # 6774011

Property Type Single Family Residence

Price Type --

Prime Multi-Family Development Opportunity in Downtown Mesa's Sought-After Opportunity Zone! Located on a generous 1.33-acre lot at 615 W University Dr, this property offers an exceptional chance for developers. Significant progress has already been made with architectural plans and City approvals for a 27-townhome project. This unique lot, which spans from North Date to North Kosick, consists of five parcels, offering extensive frontage along University Drive. Ideally positioned just one block north of downtown Mesa and the light rail, this property is also minutes from major freeways, the ASU campus, schools, and various shops.

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22873 S 193rd Street Queen Creek, AZ 85142

$1,400,000

5 Beds

3 Baths

3,440 SqFt

Status Active

MLS # 6779387

Property Type Single Family Residence

Price Type --

This beautiful red brick home sits on a city acre and is just as gorgeous on the inside as the outside. It has been completely remodeled with stunning features great for hosting. This 5 bed, 3 bath 1 story with a split floorplan has 2 living spaces, new flooring, cabinetry, doors, & completely remodeled Bathrooms with high end finishes throughout. The kitchen was awarded the ''Showcase Your Space'' 2021 Remodel of the Year by Capitol Mark Interiors & includes custom cabinetry, upgraded appliances, satin bronze hardware, & Zellige back splash. The backyard feels like a resort with new stone patio, fireplace with TV, limestone counter BBQ, sparkling pool, firepit with tons of seating and gathering spots. The RV Gate allows easy access for additional driveway, Casita, or Detached Garage.

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7026 E Warner Road Tempe, AZ 85284

$1,400,000

5 Beds

5 Baths

5,500 SqFt

Status Active

MLS # 6780197

Property Type Single Family Residence

Price Type --

INVESTOR OPPORTUNITY in a highly sought after location in Tempe. City approved easement on the west side of the properties for access to the North lot; Renovate the existing home or build one large residence. This is a rare opportunity with a variety of possibilities, in a prime Tempe location.

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