Buying a Home This Autumn? 4 Unconventional Ways to Save up for Your Down Payment

Buying a Home This Autumn? 4 Unconventional Ways to Save up for Your Down PaymentAutumn is a popular time for new home buyers to start looking for their first house or condo. But with that down payment looming, everybody could use a bit of help saving up to make that bulk payment a little less intimidating.

There are plenty of unconventional ways to save up that may seem small, but will quickly add up and put a dent into that down payment.

Create A High Interest Savings Account

Talk to the bank about creating a secondary savings account with a higher interest rate. These super savings accounts usually come with the caveat that no money can be removed for a designated period of time. Using this account for the down payment works in everybody’s favor because it guarantees those extra dollars cannot be used for any other purpose.

Discard One Guilty Pleasure

Enjoy Starbucks coffee? Grab a pint every happy hour? Choose one vice and put the amount that would be spent on it into a jar. Most people will be surprised on how much money they spend each month on one guilty pleasure that can easily be cut out of their life. Every perk that’s cut will increase the amount by a decent margin.

Put Away Any Bonus Money

Holiday bonuses from work, tax refunds, birthday or Christmas presents, income from side gigs, any and all extra dollars that come in from any source outside of the main paycheck should be considered ‘down payment dollars.’ Sure it’s tempting to use that nice bonus or tax refund on a weekend trip or a night out, but all extra income should be saved away for that initial down payment.

Bring On The Roommates

People who already own a home and are looking to relocate can take this unconventional approach. Decent housing is hard to find so anybody with an extra room can rent it out and put that money towards the new house. Having a roommate can be a pain, but it’s for a limited time and can add up quickly.

While saving for a down payment can be stressful, you don’t have to go through the process alone. I’d be happy to guide you and provide some helpful tips for how to make that down payment without breaking the bank. I’ve seen countless couples go through the same thing and my experience can make a world of difference for you.  Give me a call – J.P. Cook – 602-320-4253.

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8020 E Del Laton Drive Scottsdale, AZ 85258

$1,475,000
3 Beds
2.5 Baths
2,000 SqFt
Status Active
MLS # 6766343
Property Type Single Family Residence
Price Type --
This is the home you have been waiting for! Completely reconceived with euro-modern design elements in the sought-after McCormick Ranch area! Entry wows with a tongue and groove ceiling, custom-designed frosted glass door entry, and a lovely, paved front sitting area for experiencing the beautiful AZ sunsets. Enjoy the simplicity of a Eurocentric kitchen design style with exquisite flat slab quartz, mixed wood elements, and sleek modern cabinets with under-lighting for added ambiance. Appliances that thrill any seasoned chef, and a glass-encased wine closet for the wine connoisseur to show off their prized collection. Striking custom elements set this home apart from all others, from lighted niches, French-inspired glass barn doors, and a marble floor-to-ceiling linear fireplace to enjoy quiet evenings or entertain guests. The extended glass-enclosed patio adds additional entertaining space and looks out to the large lush yard with a sparkling pool. Close to parks, bike trails, coffee shops, restaurants, and shopping. Don't miss out!

26441 N Trails End -- Rio Verde, AZ 85263

$1,475,000
3 Beds
4.5 Baths
4,444 SqFt
Status Active
MLS # 6768882
Property Type Single Family Residence
Price Type --
Views. Views. Views. Perfect location on the Quail Run golf course with expansive fairway panoramas. Contemporary design with many architectural enhancements. (Please see Virtual Tour under Photos Tab). Huge family room with convenient, bright and open kitchen for easy entertaining. Family room opens to patios and the great outdoors. Three bedrooms and four full baths plus a powder room. Huge laundry/hobbies room. Office with built-in cabinets. Full three car garage with built in cabinets. Rio Verde is a planned community for active adults over 55. Golf, tennis, swimming, hiking, biking, fresh clean air, starry nights in the friendliest golf community in Arizona. Come enjoy the fun

5485 W Bruno Canyon Drive Prescott, AZ 86305

$1,475,000
3 Beds
3 Baths
2,608 SqFt
Status Active
MLS # 6773967
Property Type Single Family Residence
Price Type --
Luxurious custom home on a .80-acre corner lot with captivating Granite Mountain views. This impeccable 3-bedroom plus office offers high-end finishes throughout and is located near the clubhouse. The exterior boasts upgraded landscaping, a front fenced courtyard, an extended rear patio, a gas fire pit, and a large covered patio. Inside, enjoy a spacious kitchen with custom cabinets, GE Profile appliances, and a walk-in pantry. The primary suite features a sliding door to the patio, a walk-in shower, soaking tub, and direct access to the laundry room. Plus, an oversized 3-car garage with a sauna. Talking Rock is a gated private community for members only. Amenities include: award winning Jay Morrish designed Golf Course, The Ranch House restaurant and bar, Coop's Coffee House fitness center, bocce, pickle ball courts, tennis court, pool and dog park.

3916 E Encanto Street Mesa, AZ 85205

$1,475,000
5 Beds
3.5 Baths
3,982 SqFt
Status Active
MLS # 6780417
Property Type Single Family Residence
Price Type --
Luxury living in Trovita Estates at its finest! This gorgeous residence is in one of Mesa's most prestigious communities! You'll be welcomed by an exquisite curb appeal complemented by stone accents, a carefully manicured landscape, 4 car garage, RV gate, and pavers. Understated elegance & subtle modernity seamlessly mix in this breathtaking open floor plan showcasing tall ceilings, recessed lighting, custom palette, and wood-plank tile flooring. The spacious living room features a delightful wagon wheel chandelier, a gas fireplace, and window seats. The multi-sliding glass doors connect indoor and outdoor living, promoting easy entertaining and quick access to your own private backyard paradise featuring a relaxing pool and sport court.

8028 E Vista Canyon Street Mesa, AZ 85207

$1,475,000
4 Beds
3.5 Baths
3,690 SqFt
Status Active Under Contract
MLS # 6780826
Property Type Single Family Residence
Price Type --
Discover unparalleled Valley views in the prestigious Las Sendas community! This 4-bedroom, 3.5-bath, single-level gem spans 3,690 sq. ft. and offers a spacious 0.328-acre lot with a 3-car garage. Experience Arizona's breathtaking sunsets from your private backyard retreat, complete with sweeping mountain and city light vistas, highlighting the beauty of the Phoenix skyline. An elegant gated courtyard introduces you to a thoughtfully designed split floorplan with seamless indoor-outdoor flow. The expansive backyard is an entertainer's dream, featuring a pristine pool and spa with LED lighting, fire pots, water features, a raised seating area with a gas firepit, and a putting green with stunning Red Mountain views. Luxurious travertine pavers, a...CONTINUE READING... ...misting system, and motorized shade screens provide ultimate comfort, while a sunken outdoor kitchen with a Viking grill, fridge, ice maker, and poolside bar seating elevates the experience. The side yard offers a grassy area for pets or play, alongside fruit trees for added charm. Inside, enjoy soaring ceilings, custom coffer detailing, plantation shutters, and two cantera fireplaces. An additional room serves perfectly as an office or bonus space, and the secluded owner's suite is a true retreat with its cozy fireplace, spa-like bath, and expansive walk-in closet. The gourmet kitchen boasts maple cabinetry, a large island, granite counters, and high-end Jenn-Air Noir Series appliances. The 3-car tandem garage includes a bay with over-height ceilings and a 220V outlet for easy car charging, ideal for extra storage or 'toys.' Las Sendas offers top-tier amenities including award-winning golf, miles of trails, tennis, pickleball, pools, parks, a community restaurant, and a fitness center. Situated near top-rated schools, major freeways, airports, and outdoor recreation like hiking and lakes, this home is a rare find with access to both natural beauty and city conveniences.

6305 N 10th Drive Phoenix, AZ 85013

$1,475,000
4 Beds
3.5 Baths
2,680 SqFt
Status Active
MLS # 6750076
Property Type Single Family Residence
Price Type --
SELLER OFFERING 5.75% FINANCING RATE FOR 30 DAYS. COME SEE THIS GORGEOUS NEW CONSTRUCTION - CHOOSE YOUR HOME NOW. Blue Sky Homes are 50% MORE energy efficient than a standard new build and Energy Star / Indoor AirPlus Certified for cost savings and a significantly healthier home for you and your family. WELCOME TO INDIGO at CASA AZUL - We are a Newly Constructed 12 home subdivision exuding state of the art smart home features, notable sustainability with the intent of encouraging community and serenity. This 4 bedroom , 3 1/2 bathroom home offers upgrades and amenities you won't find from any other new home builder Aside from our custom interior design features and highly desirable family friendly floor plans, we proudly offer all of the following upgrades in all of our Casa Azul homes. 16' Sliding Glass Doors / Vaulted Ceilings / Smart Home Control Center Tablet / Smart lock & Keyless Entry / Smart Thermostat / Smart Home Pre-wiring for Complete Home Synthesis / Quartz Countertops & Custom Cabinetry / Energy Star Appliances / Oversized Bathrooms & Bedrooms / Covered Back Patios / Lifestyle Features / Serene Backyards / Electric Vehicle Charging Outlet / ENERGY STAR Certified / Indoor AirPLUS Certified / 3rd Party Audited Energy & HERS Score Rating / Spray foam insulation / Insulated Garage & Attic / EPA Water sense Toilets, Faucets, & Showers / LED Lighting /Insulated Owner's Suite for Efficiency & Sound / No VOC paint / Low VOC Engineered Flooring. Centrally located and close to all of the best restaurants and schools Arizona has to offer ... welcome to your new home!

10613 E Diffraction Avenue Mesa, AZ 85212

$1,475,000
6 Beds
5.5 Baths
5,704 SqFt
Status Active
MLS # 6663410
Property Type Single Family Residence
Price Type --
This BEAUTIFUL home w/CASITA is OVERFLOWING w/DESIGNER upgrades!! GOURMET kitchen w/granite countertops, HUGE island w/sink, tiled backsplash, 42'' cabinets + stainless appliance suite w/wall ovens! Open concept great room w/GORGEOUS built-in entertainment center w/STONE gas FIREPLACE! PRIVATE owner's suite w/sitting room + ensuite bath, BIG walk-in shower + soaking tub! Separate den! Loft! Media room! CASITA w/kitchen, bedroom, living room, bath, laundry + separate entrance! SO many living options in this multi generation home! FANTASTIC backyard OASIS w/built-in swimming pool w/waterfall, fire features, pergola w/sunken kitchen + swim up seating/counter, gas fire pit, pavers/faux grass + covered porch & balcony! This is true LUXURY LIVING! Located in award winning EASTMARK! WELCOME HOME

9381 E Vah Ki Inn Road Coolidge, AZ 85128

$1,475,000
3 Beds
2 Baths
3,241 SqFt
Status Active
MLS # 6672171
Property Type Single Family Residence
Price Type --
A unique luxury horse property that offers both a serene lifestyle and an exciting investment opportunity. 12 irrigated acres with a custom fully remodeled 3-bed, 2-bath home that seamlessly blends modern luxury with rustic charm. The interior has custom wood flooring, marble countertops and fireplaces throughout. The estate doesn't stop at the main house. A cozy 2-bed 1-bath guest house provides comfortable accommodations, while an 8-bed bunk house awaits your creative touch to transform it to additional living space or unique rental opportunity. 8 fully covered 30x15 stalls, complete with a tack room, lighted arena equipped with an automatic roping chute. This property has tons of potential to provide you income or enjoy as your own cowboy paradise.

6323 N 10th Drive Phoenix, AZ 85013

$1,475,000
4 Beds
3.5 Baths
2,680 SqFt
Status Active
MLS # 6769981
Property Type Single Family Residence
Price Type --
SELLER OFFERING 5.75% FINANCING RATE FOR 30 DAYS. COME SEE THIS GORGEOUS NEW CONSTRUCTION - CHOOSE YOUR HOME NOW. Blue Sky Homes are 50% MORE energy efficient than a standard new build and Energy Star / Indoor AirPlus Certified for cost savings and a significantly healthier home for you and your family. WELCOME TO PACIFICA at CASA AZUL - We are a Newly Constructed 12 home subdivision exuding state of the art smart home features, notable sustainability with the intent of encouraging community and serenity. This 4 bedroom , 3 1/2 bathroom homes offers upgrades and amenities you won't find from any other new home builder Aside from our custom interior design features and highly desirable family friendly floor plans, we proudly offer all of the following upgrades in all of our Casa Azul homes .. 16' Sliding Glass Doors / Vaulted Ceilings / Smart Home Control Center Tablet / Smart lock & Keyless Entry / Smart Thermostat / Smart Home Pre-wiring for Complete Home Synthesis / Quartz Countertops & Custom Cabinetry / Energy Star Appliances / Oversized Bathrooms & Bedrooms / Covered Back Patios / Lifestyle Features / Serene Backyards / Electric Vehicle Charging Outlet / ENERGY STAR Certified / Indoor AirPLUS Certified / 3rd Party Audited Energy & HERS Score Rating / Spray foam insulation / Insulated Garage & Attic / EPA Water sense Toilets, Faucets, & Showers / LED Lighting /Insulated Owner's Suite for Efficiency & Sound / No VOC paint / Low VOC Engineered Flooring. Centrally located and close to all of the best restaurants and schools Arizona has to offer ... welcome to your new home!

10248 E San Salvador Drive Scottsdale, AZ 85258

$1,475,000
5 Beds
3 Baths
2,798 SqFt
Status Active
MLS # 6765057
Property Type Single Family Residence
Price Type --
This beautifully remodeled Scottsdale Ranch home offers the perfect blend of modern luxury, thoughtful design, and a welcoming atmosphere. Step inside and fall in love with the light and bright open floor plan, complemented by luxury finishes and spacious rooms. The recent 2022 remodel spared no details, featuring new roofing, windows, doors, HVAC, and a water heater—making this home completely turnkey and ready for you to enjoy. The guest casita (br 5 plus bath) featuring its own backyard entrance, completely independent from the main house, ensures privacy for you and your guests. The multiple outdoor spaces are perfect for alfresco dining, entertaining, sunbathing by the pool, or enjoying a cozy moment with a good book The neighborhood offers an array of community amenities, including an extensive trail system, activities organized by the HOA like food trucks and movies, and even boat rentals on Lake Serena. You'll love the convenient access to the gym, dentist, medical facilities, and all the best spots in Scottsdaleincluding Old Town and Fashion Square.

22222 N 36th Way Phoenix, AZ 85050

$1,475,000
4 Beds
4 Baths
4,507 SqFt
Status Active Under Contract
MLS # 6784225
Property Type Single Family Residence
Price Type --
RARE Opportunity in highly sought after area - Resort style backyard, remodeled kitchen, huge lot. Be prepared to fall in love with this beautiful forever home! Located in the prestigious Aviano at Desert Ridge community, this home boasts an incredible position near parks and the Aviano clubhouse. It provides so much flexibility with living spaces--4 bedroom, 4 bathroom, office, theater room, and workout room with stone flooring throughout. 2 carport and 3 car garage. The primary suite is absolutely gorgeous including a private roof top deck and extra custom closet for 200+ shoes. Gourmet kitchen w/ brand new ss appliances, butler's pantry, breakfast nook, and granite countertops. Backyard is an absolute oasis with a built in BBQ, gas log fireplace, dining area, large

6314 N 10th Drive Phoenix, AZ 85013

$1,475,000
4 Beds
3.5 Baths
2,703 SqFt
Status Active
MLS # 6769947
Property Type Single Family Residence
Price Type --
SELLER OFFERING 5.75% FINANCING RATE FOR 30 DAYS. COME SEE THIS GORGEOUS NEW CONSTRUCTION - CHOOSE YOUR HOME NOW. Blue Sky Homes are 50% MORE energy efficient than a standard new build and Energy Star / Indoor AirPlus Certified for cost savings and a significantly healthier home for you and your family. WELCOME TO CIELO at CASA AZUL - We are a Newly Constructed 12 home subdivision exuding state of the art smart home features, notable sustainability with the intent of encouraging community and serenity. This 4 bedroom , 3 1/2 bathroom homes offers upgrades and amenities you won't find from any other new home builder Aside from our custom interior design features and highly desirable family friendly floor plans, we proudly offer all of the following upgrades in all of our Casa Azul homes... 16' Sliding Glass Doors / Vaulted Ceilings / Smart Home Control Center Tablet / Smart lock & Keyless Entry / Smart Thermostat / Smart Home Pre-wiring for Complete Home Synthesis / Quartz Countertops & Custom Cabinetry / Energy Star Appliances / Oversized Bathrooms & Bedrooms / Covered Back Patios / Lifestyle Features / Serene Backyards / Electric Vehicle Charging Outlet / ENERGY STAR Certified / Indoor AirPLUS Certified / 3rd Party Audited Energy & HERS Score Rating / Spray foam insulation / Insulated Garage & Attic / EPA Water sense Toilets, Faucets, & Showers / LED Lighting /Insulated Owner's Suite for Efficiency & Sound / No VOC paint / Low VOC Engineered Flooring. Centrally located and close to all of the best restaurants and schools Arizona has to offer ... welcome to your new home!

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