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.

Click Here to See What Your Home is Worth

Listing types.

For Sale

For Rent

Land

Multifamily

Commercial

Location Search Nearby

BedsAny1+2+3+4+5+6+

BathsAny1+2+3+4+5+6+

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Property TypeAnyApartmentManufactured HomeSingle Family ResidenceTownhouseTwin Home

School District

Address, MLS# or Keyword

Home SizeAny600 ft2800 ft21,000 ft21,200 ft21,400 ft21,600 ft21,800 ft22,000 ft22,200 ft22,400 ft22,600 ft22,800 ft23,000 ft23,500 ft24,000 ft24,500 ft25,000 ft25,500 ft26,000 ft2

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Distressed

Open House

Location Search Nearby

BedsAny1+2+3+4+5+6+

BathsAny1+2+3+4+5+6+

Price MinAny$500$600$700$800$900$1,000$1,100$1,200$1,300$1,500$1,600$1,700$1,800$1,900$2,000$2,250$2,500$2,750$3,000$3,250$3,500$3,750$4,000$4,500$5,000$5,500$6,000$6,500$7,000$7,500$8,000$8,500$9,000$9,500$10,000

Price MaxAny$500$600$700$800$900$1,000$1,100$1,200$1,300$1,500$1,600$1,700$1,800$1,900$2,000$2,250$2,500$2,750$3,000$3,250$3,500$3,750$4,000$4,500$5,000$5,500$6,000$6,500$7,000$7,500$8,000$8,500$9,000$9,500$10,000

Advanced Options

Property TypeAnyApartmentManufactured HomeSingle Family ResidenceTownhouseTwin Home

School District

Address, MLS# or Keyword

Home SizeAny600 ft2800 ft21,000 ft21,200 ft21,400 ft21,600 ft21,800 ft22,000 ft22,200 ft22,400 ft22,600 ft22,800 ft23,000 ft23,500 ft24,000 ft24,500 ft25,000 ft25,500 ft26,000 ft2

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Location Search Nearby

Lot SizeAny1+ Acres2+ Acres3+ Acres4+ Acres5+ Acres6+ Acres7+ Acres8+ Acres9+ Acres10+ Acres20+ Acres30+ Acres40+ Acres50+ Acres

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Neighborhood

Address, MLS# or Keyword

Location Search Nearby

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

School District

Address, MLS# or Keyword

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Location Search Nearby

Lot SizeAny1+ Acres2+ Acres3+ Acres4+ Acres5+ Acres6+ Acres7+ Acres8+ Acres9+ Acres10+ Acres20+ Acres30+ Acres40+ Acres50+ Acres

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Address, MLS# or Keyword

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

View As: Thumbnails List

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

22901 E Camacho Road Queen Creek, AZ 85142

$1,195,000

4 Beds

4.5 Baths

4,314 SqFt

Status Active Under Contract

MLS # 6778628

Property Type Single Family Residence

Price Type --

Located in the highly desirable community of Spur Cross. Every structural upgrade was included! 12' ceilings in great room/kitchen, huge 20' center slider, 8' nook slider, Executive Gourmet Kitchen with 36'' gas cooktop, SS hood, double convection ovens, built-in microwave and so much more! Everyone will have plenty of living space with 4 BD (one is a 2 BD Gen Suite with separate entry), 4.5 BA and 4 car gar,. Includes a gym that opens up to the courtyard via a pocket slider. Plus a bonus room that can be used as a game or rec room. The entire home has Calypso Oak LVP. The large (1/3 acre) south facing backyard includes a stone gas fireplace, spa, pavers, turf, with 4 large custom planters. What are you waiting for? This one won't last long!

View Property

6435 E Maria Drive Cave Creek, AZ 85331

$1,195,000

5 Beds

3.5 Baths

3,209 SqFt

Status Active

MLS # 6704239

Property Type Single Family Residence

Price Type --

5 bedrooms 2.5 bathrooms with a Separate 1 bedroom 1 bath guest house (income opportunity) Incredibily peaceful, quiet location. Hard to believe your minutes away from everything.Courtyard entrance with fireplace accesssible from guest house and main house-great to enjoy on chilly nights. Extended back patio provides shade. Majestic Views of Black Mountain from the pool, view deck, back yard, primary bedroom & main living areas make this a must see home! Lawn in the yard great for the pets. Souring Ceilings t/o the home. All bedrooms are generously sized. Kitchen and Laundry Room all new 2023 quartz counters, shaker cabinets, tile backsplash and stainless steel appliances. Pool remodeled in 2024. Over an acre, County Island, plenty of room for ADU, RV garage, shop, Toys, Horses, ect

View Property

819 S 3rd Avenue Phoenix, AZ 85003

$1,195,000

7 Beds

2 Baths

3,267 SqFt

Status Active

MLS # 6732426

Property Type Single Family Residence

Price Type --

Attention Investors and Visionary Buyers! Discover a rare and valuable opportunity. Where a distinctive residence meets a prime investment prospect. This unique property includes not only a beautifully maintained home but also an adjacent vacant lot, offering limitless possibilities for future development. Situated in a rapidly expanding area near downtown Phoenix, this property benefits from the neighborhood's impressive growth trajectory. The Roosevelt area is quickly becoming one of the most sought-after locations, making this a strategic investment opportunity. Charming Home: Step into a residence with a unique design and historical charm. The inviting atmosphere is highlighted by an elegant hardwood floors, and large windows that fill the space with natural light. Come take a look

View Property

262 E Saddleback Trail Payson, AZ 85541

$1,195,000

4 Beds

2.5 Baths

2,378 SqFt

Status Active

MLS # 6738248

Property Type Single Family Residence

Price Type --

Unobstructed Rim Country VIEWS + privacy in every direction! This custom single-story is masterfully crafted with views, energy efficiency and durability in mind. From the Engineer cement siding to the 16' x 48' Trex rear deck, to the top-of-the-line Thor appliances in the fabulous kitchen, every detail and finish have been carefully selected to create a luxurious reprieve from everyday life. The home is expertly positioned on the 1.7 acres lot to maximize privacy and ensure every room has windows framing the picturesque views that are most treasured in The Knolls Community. The oversized 3 car garage has a bonus workshop for additional toys or fun! A fully fenced side yard is perfect for furry loved ones & kids. Close to the Natural Forrest, great hiking & minutes from GOLF!

View Property

3126 E Wildhorse Court Gilbert, AZ 85297

$1,195,000

6 Beds

4 Baths

5,993 SqFt

Status Active

MLS # 6748920

Property Type Single Family Residence

Price Type --

This large family home is located in the heart of Gilbert, near the San tan mall and other amenities. This great home is calling for your name. Formal dining led you too the open kitchen with granite countertop, custom cabinets and stainless-steel appliances. All large bedrooms with walk-in closet upstairs, and a great oversized loft. On a hot summer day, take a dive in the swimming pool in the backyard with water feature.

View Property

3102 E Agritopia Loop Gilbert, AZ 85296

$1,195,000

4 Beds

3.5 Baths

4,217 SqFt

Status Active

MLS # 6761495

Property Type Single Family Residence

Price Type --

Beautiful gem with a basement in the heart of Agritopia! You're greeted by a charming front porch, perfect for morning coffee. The spacious great room boasts high ceilings, a contemporary palette, classic plantation shutters, and durable tile flooring. Cook delicious meals in the gourmet kitchen, equipped with granite countertops, shaker cabinetry with crown moulding, recessed lighting, a subway tile backsplash, sleek stainless steel appliances, a pantry, and a two-tier peninsula with a breakfast bar for casual dining. You'll also find a versatile den ideal for an office and a workout room for staying active. The sizable primary bedroom offers a lavish ensuite with double vanities and a convenient walk-in closet. Venture into the finished basement with soft carpeting throughout and a... Venture into the finished basement with soft carpeting throughout and a functional kitchen, perfect for a family room or hosting memorable gatherings. The enchanting backyard showcases a covered deck, pristine artificial turf, and a refreshing pool for cooling down on hot summer days. Make this beautiful residence yours today!

View Property

844 W Beechnut Drive Chandler, AZ 85248

$1,195,000

4 Beds

2 Baths

2,226 SqFt

Status Active

MLS # 6763701

Property Type Single Family Residence

Price Type --

Minutes from world class golf, dining, and shopping, welcome to this outstanding TURN KEY waterfront property in Oakwood Lakes! An open layout with skylights, a spacious den, vaulted ceilings, and a 5-panel glass of sliding pocket doors that merge the indoor/outdoor living areas. Gourmet kitchen has SS appliances, a stylish backsplash, an L-shaped peninsula with a breakfast bar, a pantry, granite counters, white cabinets, and a pass-through window w/glass garage door opening to the backyard. Discover another glass garage door in the main retreat that provides plenty of natural light and a lavish ensuite for a very private space. The entertainer's backyard includes firepit area, putting green, blue pool, relaxing spa, Ramada w/built-in BBQ and pendant seats, covered patio, bocce ball court, boat dock for a trip on the water, and amazing lake views. Plus, RV gate/parking for all your toys. Biking and hiking trails border the neighborhood! Can't miss out on this incredible opportunity! Truly a wonderful property for a 2nd home and a perfect rental (VRBO & AirBnB approved) while you're away!!

View Property

3940 Rolling Stock Way Wickenburg, AZ 85390

$1,195,000

3 Beds

3.5 Baths

3,058 SqFt

Status Active Under Contract

MLS # 6749602

Property Type Single Family Residence

Price Type --

Welcome to your dream oasis nestled in the serene landscape of Wickenburg Ranch!! This luxurious 3000 square foot home boasts breathtaking views that will leave you in awe every day. Step inside to discover a massive kitchen, meticulously designed with numerous appliance upgrades, perfect for the culinary enthusiast. Adorned with a stunning tile backsplash and granite countertops, the kitchen exudes both elegance and functionality. As you wander through this impeccable abode, you'll be greeted by beautiful timeless tile floors that add a touch of sophistication to every room. The spa-like bathrooms are a sanctuary unto themselves, featuring a rejuvenating sauna for ultimate relaxation. The oversized laundry room serves as a multifunctional space, doubling as an office to accommodate your lifestyle needs seamlessly. Step outside to your own private paradise, where a gorgeous outdoor living space awaits. An artistic fountain sets the tone for tranquility, while the travertine tile extended length patio provides the perfect setting for al fresco dining or simply soaking up the sun. Entertain with ease in the built-in outdoor kitchen, remote controlled screens, complete with all the amenities you need to host memorable gatherings. The landscaping is meticulously curated, enhancing the beauty of your surroundings and creating a serene ambiance. Keep your utility bills low with OWNED solar panels!! The home comes with HOA approved plans for a 795 sq ft Casita plus an RV garage!

View Property

11729 N 134th Street Scottsdale, AZ 85259

Open House

$1,195,000

3 Beds

3.5 Baths

2,787 SqFt

Status Active

MLS # 6759821

Property Type Single Family Residence

Price Type --

Luxury Gated Community hidden from the bustle but convenient to all. Single-level SPLIT ALL ENSUITE plan with NO INTERIOR STEPS. Attached Casita option with private entrance. Entertainer's Dream Great Room concept w/soaring ceilings, bright natural light and gas fireplace. True Chef's Kitchen w/Gas dual oven Wolf Range w/ pot filler, wall ovens and warning drawer, Sub-Zero fridge and beverage drawers plus wine cooler. Formal and Informal dining spaces plus island breakfast bar. Powder Room, Private Office w/Closet. Primary Suite features fireplace, rear yard access and spacious bath and walk-in closet. All with McDowell Mountain VIEWS! Garage has charging station! Pre-Listing Insp. available upon request. All minor corrections from inspection completed! MOVE-IN READY

View Property

4213 E Edgemont Avenue Phoenix, AZ 85008

Open House

$1,195,000

4 Beds

3.5 Baths

3,170 SqFt

Status Active

MLS # 6737412

Property Type Single Family Residence

Price Type --

Beautifully remodeled home in lower arcadia. This rare custom basement home has a fabulous floor plan with 4 bedrooms and 3.5 baths. No HOA. New flooring, stunning quartz countertops throughout, marble fireplace...this is a must see! Just under 3200 sq ft that includes two living spaces, a walk in pantry and more... Do not miss out on this home! Professional photos coming soon.

View Property

29808 N 63rd Street Cave Creek, AZ 85331

Open House

$1,195,000

4 Beds

2.5 Baths

3,000 SqFt

Status Active

MLS # 6784802

Property Type Single Family Residence

Price Type --

Custom luxury home sitting on1.101 acre lot. 4 bedrooms, 2.5 bath, 3.5 car garage w/ pool. Home offers beautiful wood floors through (No Carpet),Kitchen features upgraded cabinets, SS appliances (gas range), granite counters, walk-in pantry & island. Great room open to kitchen, breakfast nook & formal dining room. Large primary suite w/full bathroom (2 sinks, sep. shower and tub) & walk-in closet. Ceiling fans & blinds thru-out, fresh paint interior & exterior. Backyard offers pebble-tec play pool, fireplace, brick pavers & stairs to a viewing deck w/360 views of downtown phx & mountains. Easily add to backyard by using the extra land on North side of lot (endless possibilities) Horse facilities can be added, 3.5 CG w/cabinets, work bench & epoxy floor. Well maintained home and it shows!

View Property

15943 E Mark Lane Scottsdale, AZ 85262

$1,190,000

4 Beds

3.5 Baths

3,107 SqFt

Status Active

MLS # 6746266

Property Type Single Family Residence

Price Type --

New construction in North Scottsdale! Recently completed home located along the Rio Verde Drive/Dynamite corridor just 10 minutes east of Troon North. This 3107 sf single level home captures sweeping views of the Tonto National Forest & Four Peaks. Situated on one acre with ample water available via newly built private well, this property features paved roads and will be surrounded by new homes. Creative split floorplan and open great room/kitchen concept. Layout also includes generous primary suite, 3 guest bedrooms, office and 3 car garage. High level interior finishes featuring white oak hardwood flooring, Quartz countertops, Monogram appliances, 48' linear fireplace, and large wrought iron lighting fixtures. Room for expansion on the lot for guest house/RV. NO HOA ! Home is situated on a paved road with easy access to Rio Verde Dr. Backyard is left open for buyer to create their outdoor living (not included in the price). Only minutes from McDowell Mountain Parks and 22,000 acres of exploration. Highly rated hiking and biking trails within minutes. Preview this beautiful property that combines the clean sophistication of new construction with the relaxed setting of this Scottsdale neighborhood.

View Property