Autumn 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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4912 S Centric Way
Mesa, AZ 85212
$1,200,000
5
Beds
4.5
Baths
4,380
SqFt
Status
Active
MLS #
6773530
Property Type
Single Family Residence
Price Type
--
Welcome to Centric Way, where style, comfort, and community come together to create the perfect home! Nestled in the highly sought-after Eastmark community, this gorgeous home places you right next to Sanger Ave., renowned for its lively holiday displays and festive neighborhood events. Plus, you're only a short walk away from Lumiere Garden, the community park where outdoor fun and relaxation await. Eastmark itself is alive with vibrant activities, including amazing amenities, regular events, and the popular First Friday Concerts. Step inside to discover a freshly painted interior in a warm Accessible Beige, complemented by brand-new luxury vinyl flooring. The main level hosts the inviting Owner's Suite, which features beautiful views of your private backyard oasis. Enjoy the custom-built barn door that adds a touch of character, along with a spacious Owner's Bath featuring an oversized soaking tub, dual vanities, a step-in shower, and a generous walk-in closet. Relax in the tranquil space featuring a herringbone travertine patio, mature trees, and a spacious fenced, heated diving poola true retreat! For the culinary enthusiast, the chef's kitchen is a dream come true, complete with a large kitchen island, butler's pantry, under-cabinet lighting, a gas range, and double ovens. The family room features a built-in library and entertainment center, making it the ideal space for gathering and relaxing. Hosting friends and family is effortless with a guest suite on the main level, offering privacy and comfort. The second level is designed for fun and functionality. The loft is a playground of possibilities with monkey bars, a rock climbing wall, and multiple anchors for sensory swings or a hammockperfect for an aspiring aerial artist. A massive storage closet keeps games, books, and toys organized and accessible. The upper floor also includes a bedroom with an en-suite bath, plus two additional bedrooms connected by a shared bathroom. This home is equipped with Sonos smart speakers and a subwoofer, providing the flexibility to stream multiple soundtracks in different rooms, all managed by multiple users on various devices. Outside, the property features Level 5 LED permanent lighting that wraps the entire home, offering endless color and pattern options for every holiday or to show your support for your favorite sports teams. Rounding out this incredible home is a four-car garage with a soft water loop, wood plantation shutters, and all the touches that make this house not just a residence, but a destination.
15576 W Dale Lane
Surprise, AZ 85387
$1,200,000
4
Beds
3
Baths
2,691
SqFt
Status
Active
MLS #
6767114
Property Type
Single Family Residence
Price Type
--
2.5+ ACRES!!! Don't miss out on Dale Ln! This beautiful, expansive 2.5+ acre horse property with a wonderfully updated open floor plan home is not to be missed. The only one of its kind in the area, this 4 bed, 3 bath home features and updated, open living kitchen, and resort style backyard unlike anything in the area. Talk about serene, quiet, unbeatable sunsets, and an entertainers dream of a back yard, relax in your casita style pool house, turn on the outdoor fire features, and go for a swim in your private pool. If that wasn't enough, take your horses out in either of the two horse arenas, enjoy your 3 car garage and 2 RV Hookups, ready to fit any and all toys on the property. Don't miss out on owning one of the only available properties in the entire area!
13051 N 145th Way
Scottsdale, AZ 85259
$1,200,000
3
Beds
2.5
Baths
2,546
SqFt
Status
Active
MLS #
6775680
Property Type
Single Family Residence
Price Type
--
Welcome to exclusive gated Hidden Hills, where luxury meets nature in perfect harmony. This retreat property is enveloped by natural desert landscape, the contemporary Spanish design adds a touch of character and welcomes you home with a private gated courtyard entrance. Exuding warmth and serenity, an alder wood entrance opens to 9-foot ceilings overlooking rich wide plank wood flooring and an open concept design including a great room centered around an inviting fireplace and French doors unfolding to tranquil views and outdoor living. A custom remodeled chef's kitchen is nestled nearby, with spacious granite island offering additional seating for gatherings. Refinished cabinets with updated hardware flank granite counters and backsplash, more... while stainless steel appliances including dual ovens and 5-burner gas range, provide function. Oversized upgraded windows stream abundant light into the breakfast area and kitchen, capturing private views of the surrounding desert. For those who enjoy al fresco dining, French doors open to a covered patio for serene meals and entertaining. The peaceful views continue to the outdoor living space, with pavers surrounding the private pool and creating multiple patios for lounging, including a custom firepit with built-in seating to enjoy on cool desert evenings. Adjacent to open desert space (no neighbors directly behind), iron view fencing expands the ambiance. The primary suite encapsulates the ambiance with floor-to-ceiling windows capturing private views and welcoming natural light into the retreat. A remodeled bathroom elevates the experience with soaking tub for revitalization and separate glass surround shower with rain head. Dual granite vanities and oversized walk-in closet with built-ins complete the space. An upscale gated community treasured by residents for its natural desert and McDowell Mountains surroundings, Hidden Hills offers easy access to hiking and equestrian trails including Sunrise and Adero trails while still being conveniently situated near local amenities and services including Mayo Clinic and Basis Charter Schools. A thoughtfully updated home, this is a timeless sanctuary.
530 S Emerson Street
Chandler, AZ 85225
$1,200,000
4
Beds
4.5
Baths
4,180
SqFt
Status
Active
MLS #
6770144
Property Type
Single Family Residence
Price Type
--
This spacious 4-bedroom, 4.5-bathroom home has it all, offering a perfect blend of elegance and functionality. The heart of the home is the chef-inspired kitchen, with top-of-the-line Wolf and custom Sub-Zero refrigerator, a built-in ice machine, and honed marble countertops. With both a formal dining room and an eat-in kitchen, there's ample space for hosting. The cozy family room features a fireplace, while the formal sitting area and office, complete with built-in custom file cabinets and shelving, provide plenty of extra space. Impressive upgrades throughout, including shiplap accents and crown molding, all showcasing incredible attention to detail. Downstairs, you'll find a guest bedroom with a full ensuite, and a convenient half bath. Upstairs, the luxurious primary suite stands out as the only home in the neighborhood with two large walk-in closets. The spa-like ensuite offers dual vanities, a separate shower, and a jetted tub for ultimate relaxation. The second level also features additional bedrooms, bathrooms, and a loft space for flexible living. For movie nights or casual hangouts, the home's private theatre includes its own exit to a patio, with a spiral staircase that leads down to a fountain area with a basketball hoop, great for entertaining. The backyard outdoor space is an entertainer's dream, complete with a custom motorized shade structure, a sparkling pool with water bowl fountains, lush landscaping, mature trees, and real grass. With a 2-car garage and single stand alone garage with attic storage space, this home also provides ample parking. Perfectly located in Chandler, Arizona, it is just minutes away from Downtown Chandler, where you can enjoy local favorites such as SanTan Brewing Company, The Brickyard Downtown, and The Perch Brewery. Chandler Regional Hospital, Chandler Fashion Square Mall, and Loop 202 are also nearby, offering convenience at your doorstep.
1550 W Snow Creek Trail
Show Low, AZ 85901
$1,200,000
4
Beds
3
Baths
3,200
SqFt
Status
Active
MLS #
6775923
Property Type
Single Family Residence
Price Type
--
Welcome to your dream home! This beautifully updated 4-bedroom, 3-bath residence offers the perfect blend of modern elegance and comfort. Nestled in a serene neighborhood of Snow Creek, the property boasts panoramic views that will take your breath away. As you step inside, you'll be greeted by an open-concept living area filled with natural light. The spacious living room flows seamlessly into a gourmet kitchen, complete with sleek stainless steel appliances, quartz countertops, and ample storage. The adjacent dining area is perfect for entertaining or enjoying family meals while soaking in the scenic backdrop. The primary suite is a true retreat, featuring a luxurious en-suite bathroom and generous closet space. Three additional bedrooms provide plenty of room for family, guests, or a home office. Each bathroom has been thoughtfully updated with modern fixtures and finishes. The finished basement adds even more living space, ideal for a game room, home theater, or gym. Step outside to your private patio and yard, where you can unwind and take in the stunning views of the surrounding landscape. This home is equipped with all the modern amenities, including energy-efficient appliances and smart home features. With easy access to local parks, shopping, and schools, this property combines convenience and tranquility. Don't miss the opportunity to own this exquisite home with an incredible view! Schedule your showing today!
8612 E San Felipe Drive
Scottsdale, AZ 85258
$1,200,000
3
Beds
2
Baths
2,397
SqFt
Status
Active
MLS #
6772965
Property Type
Single Family Residence
Price Type
--
WOW! This outstanding masterpiece in the popular McCormick Ranch is truly a dream come true! Attractive curb appeal w/a 2-car garage & easy-care landscape is just the beginning. With its meticulously maintained interior, this haven dazzles w/a perfect blend of tile & wood flooring, delightful archways, soothing palette, and high vaulted ceilings. Harmonious living & dining room invites you to unwind, while the HUGE great room, paired with a cozy fireplace & a wet bar, is excellent for entertaining & everyday living. Open-concept kitchen features abundant cabinetry topped w/crown moulding, an island, travertine backsplash, granite counters, & SS appliances. Surely to impress w/the bright & airy primary retreat, showcasing outdoor access, an ensuite w/dual sinks, & a walk-in closet. Secondary bedrooms offer sizable closets & plantation shutters. The stunning backyard provides a covered patio, refreshing pool, & spa for endless summer fun. You won't be disappointed!
5121 E Windrose Drive
Scottsdale, AZ 85254
$1,200,000
4
Beds
2
Baths
2,244
SqFt
Status
Active
MLS #
6775668
Property Type
Single Family Residence
Price Type
--
Welcome home to this gorgeous remodel with a brand new pickleball court directly across the street from Sonrisa Park! The rose studded walkway is the first to welcome you to your beautiful new home. Through the front door, you are met with an open floor plan featuring a spacious dining room, home office overlooking the park, living room with a cozy honeycomb fireplace, and a beautiful modern kitchen. The kitchen boasts of waterfall quartz countertops, solid wood shaker cabinets and a large walk-in pantry with tons of extra storage. The primary bedroom overlooks a floral atrium, walk-in closet, custom slat barn door, and a beautiful bathroom with LED light accents. Outside the 8' accordion door, you will find a massive diving pool, mature citrus trees, and pickleball court. A MUST SEE!
38910 N School House Road
Cave Creek, AZ 85331
$1,200,000
4
Beds
3
Baths
2,773
SqFt
Status
Active
MLS #
6776634
Property Type
Single Family Residence
Price Type
--
Walk to town from this exceptional home, where breathtaking views greet you from every window. No steps! Nestled on over 2.5 usable acres, this lightly lived-in property offers endless possibilities for personalization and expansion. Whether you're dreaming of outdoor entertainment space, horses or simply enjoying the peace and privacy, this home presents a rare opportunity to experience tranquil living with the convenience of town just a short stroll away.
3925 S 6th Avenue
Phoenix, AZ 85041
$1,200,000
3
Beds
2
Baths
2,552
SqFt
Status
Active
MLS #
6782318
Property Type
Single Family Residence
Price Type
--
Endless possibilities await on this nearly acre-sized lot near Downtown Phoenix, featuring TWO distinct dwellings. Whether you're looking for flexibility, investment potential, or multi-generational living, this property is a rare find. The primary custom-built home boasts an open floor plan, expansive kitchen island, 2x6 construction, a spacious master suite, and two generously sized guest bedrooms, all bathed in natural light. The second dwelling provides 3 bedrooms, 1 bath, dedicated parking, and its own fenced yard, offering endless potential for income or personal use. At the heart of both dwellings, you'll find the courtyard—perfect for enjoying serene Arizona evenings with family and friends. With over 50% of the property as an open canvas for your vision, imagine building additional multifamily units or crafting your own private oasis. Here, the only limit is your imagination.
25034 N Horseshoe Trail
Scottsdale, AZ 85255
$1,200,000
4
Beds
3.5
Baths
2,821
SqFt
Status
Active
MLS #
6776594
Property Type
Single Family Residence
Price Type
--
Custom home with 4 bedrooms and 3.5 baths on a private 1.59 acre lot. North/South exposure. Enjoy the beautiful sunsets with 360 degree mountain and city views from the view deck. Home has numerous windows providing natural light. Split bedroom floor plan. Eat-in kitchen. Master bedroom, living room and dining room all access the spacious backyard/pool/spa/covered patio area. Besides the large master suite, there is an ensuite bedroom with a walk-in closet as well as 2 bedrooms, one with a separate entry that would make a great office. Outside shower and access to a 1/2 bath from the patio. Outside storage room. There is space to build a casita, sports court or additional expansion.
3626 W Hiddenview Drive
Phoenix, AZ 85045
$1,200,000
4
Beds
3
Baths
2,509
SqFt
Status
Active
MLS #
6776688
Property Type
Single Family Residence
Price Type
--
Customization meets lifestyle in this 4-bedroom stunner nestled in a neighborhood of single level homes in the foothills of Ahwatukee. Drive up the hill into the gated community you will be proud to come home to. With designer touches throughout, this 2018-built home displays modern interior finishes and wait until you see the backyard! Sensational views all around the heated or chilled pool with swim-up bar, glorious spa, sunken entertainment hub, raised travertine decking, multi seating areas and serene mountain hiking just steps outside your fence! Freshly painted exterior, meticulously maintained inside and out! Private, desirable location with top rated schools and easy 202 freeway access. This meticulous and picturesque property is a must-see!
7760 E Gainey Ranch Road Unit 13
Scottsdale, AZ 85258
$1,200,000
2
Beds
3
Baths
2,073
SqFt
Status
Active
MLS #
6778369
Property Type
Townhouse
Price Type
--
This ''Jewel of the Desert' luxury townhome has incredible views from virtually any room in the house. Mosaics, quartz surfaces and silver strand hardwood floors displayed throughout. From kitchen you can look out the 15 ft., sliding wall of glass to golf course, water, Gainey Hyatt and Camelback Mountain. 2nd bedroom en suite, 3 FULL baths. The master suite and sitting room enjoy the same great views. Master Sitting/Rm can be office or constructed into an oversize Master walk-in closet. Oversized resort backyard with BBQ for entertaining. All the amenities one would expect from Gainey Ranch. Close by paths, restaurants, & shopping.