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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42217 N Astoria Way
Anthem, AZ 85086
$1,200,000
3
Beds
3.5
Baths
3,144
SqFt
Status
Active
MLS #
6761159
Property Type
Single Family Residence
Price Type
--
$12,500 TOWARDS MTG RATE BUYDOWN OR CLOSING COSTS! On Persimmon hole #14. Golf & mt views. Featuring 3 bedrooms & large cabana w/full bath & walk-in closet. EASY CONVERSION OF OFFICE TO 4TH BEDROOM. Gas stove, ample cupboard & counter space. Walk in pantry. Oversized primary bedroom w/Classy Closet. HIS/HER vanities. Large laundry ROOM. East windows w/remote shade operations. NEW 2018 A/Cs & ROOF underlayment. Fresh interior paint. Hard wired burglary & fire alarms. A/C in 3RD GARAGE. All lights low power LED. 1 owner, no smoking, no pets. Anthem amenities are outstanding & multi-generational. Golf course & community allow private golf carts! 2 of everything, golf courses, tennis, club houses, restaurants, pools, fitness centers, just 2 much fun! Plus pickleball & bocce ball.
2136 E Paradise Lane
Phoenix, AZ 85022
$1,200,000
4
Beds
2.5
Baths
2,930
SqFt
Status
Active
MLS #
6766023
Property Type
Single Family Residence
Price Type
--
Set to complete December 2024 Trade Conformity for True Freedom: The Solara Estate Welcome to The Solara Estate at Paradise Lane, —a masterpiece set to complete in December. Elegance meets the freedom to live life on your terms. With no HOA and an expansive RV garage, this property is perfect for those who crave convenience & flexibility. This isn't just a house; it's a lifestyle waiting for you to step in. Picture this: You drive up and are instantly greeted by the circular driveway entrance. You park right in front and you walk through those impressive 8-foot pivot doors. The soaring 16-foot ceilings & oversized windows let in an abundance of natural light, filling the space with warmth and vibrancy. This is more than a grand entrance; it's an invitation to live boldly. Now, let's talk about the heart of the home the kitchen. Imagine double waterfall islands dressed in exquisite quartz, against creamy white oak hardwood floors. A double oven for those culinary masterpieces, and a 36 cooktop that's begging for your next dinner party. Oversized Pantry with cabinetry Whether you're a seasoned chef or just love hosting, this kitchen is your canvas for creativity. Every detail in The Solara Estate tells a story. The white oak solid wood cabinets and hardwood floors bring a sense of warmth, while sleek floating vanities and a striking 100 fireplace add a touch of sophistication. And the master suite? It's your personal spa retreat, complete with a freestanding tub and a his-and-hers closet that dreams are made of. But let's not forget about the craftsmanshipit's a harmonious balance of strength and elegance, thoughtfully designed to embrace sustainability. With energy-efficient spray foam insulation, soundproof interior walls, and a tankless water heater, this home is built not just for today, but for a future that respects our planet. Now, imagine living herejust minutes away from shopping, dining, and those breathtaking hiking trails that call your name. Just 5 min from the coveted Basis School. The Solara Estate is a rare gem in this serene North Phoenix neighborhood, offering contemporary charm and ample space for all your adventures and toys. And here's the kicker: the landscape and pool are a blank canvas, ready for your personal touch on an over 20,000 square ft. lot. Dreaming of summer barbecues by the pool? Need to build a workshop or guesthouse? The possibilities are endless. Just keep in mind, all renderings are conceptual and subject to change. Pool to be completed after closing. This is more than a real estate opportunity; it's a chance to claim your own slice of paradise. At The Solara Estate, you're not just buying a home; you're embracing a lifestyle of true freedom. Don't miss out on this exclusive opportunity to live the life you've always dreamed of. Your new beginning starts here!
9113 E Odessa Street
Mesa, AZ 85207
$1,200,000
4
Beds
3.5
Baths
3,178
SqFt
Status
Active
MLS #
6788537
Property Type
Single Family Residence
Price Type
--
Stunning 1.19-Acre Property with Remodeled Features & Owned Solar amazing views of the surrounding mountains. Welcome to this beautifully updated home situated on a spacious 1.19-acre lot in a desirable no-HOA community. As you step inside, you'll immediately notice the completely remodeled kitchen, featuring high-end finishes such as double convection ovens, a farmhouse sink and prep station, and stone countertops, perfect for culinary enthusiasts. The home also boasts an owned solar system that is only 2 years old. Step outside, and you'll find a private pool with updated water slide and water feature. The home has been freshly painted inside and out, with new tile flooring throughout, offering a modern and move-in-ready feel. A misting system has also been installed to keep you cool during those hot summer days, while the AC system, only three years old, ensures year-round comfort. And both garages are wired for electric vehicle chargers. This exceptional home offers the perfect balance of modern living, energy efficiency, and outdoor enjoyment.
10744 E Copa Del Oro Lane
Gold Canyon, AZ 85118
$1,200,000
3
Beds
3.5
Baths
3,305
SqFt
Status
Active Under Contract
MLS #
6770499
Property Type
Single Family Residence
Price Type
--
Here is your opportunity to experience refined living in Gold Canyon with this exceptional custom-built Spanish Colonial home featuring expansive mountain views within the coveted gated community of Pasion. The lavish interior boasts gorgeous beamed ceilings, custom iron work and luxurious light fixtures throughout. Sip your morning coffee in your gated front patio overlooking tastefully-done drought tolerant landscaping. Or eat in at your island or breakfast nook, in your gourmet chef's kitchen w/ high-end SS appliances and custom cabinets. The luxurious primary bedroom complete with beamed ceilings is comprised of a large sleeping area, walk-in closet & an en-suite featuring double sinks, clawfoot tub and snail shower. Back patio w/seating area fireplace perfect for al fresco dining.
4211 E Desert Vista Trail
Cave Creek, AZ 85331
$1,199,999
4
Beds
3.5
Baths
3,396
SqFt
Status
Active
MLS #
6614075
Property Type
Single Family Residence
Price Type
--
Homesite 11-Overton-Our most popular floorplan featuring the casita and features a private ensuite bathroom, making it the ideal retreat for guests or the private home office. The primary bathroom is a wow with the optional walk in shower included. Other options included in this home are the 16' center slider door at the great room,. Designer curated finishes throughout including upgraded cabinets, flooring, and quartz countertops. Chef like stainless steel kitchen appliances included. Gorgeous hardwood floors included
12431 N 76th Place
Scottsdale, AZ 85260
$1,199,999
4
Beds
3
Baths
3,039
SqFt
Status
Active Under Contract
MLS #
6783215
Property Type
Single Family Residence
Price Type
--
Investor special in a prime Scottsdale location! This property presents a unique opportunity for those looking to renovate or update this incredible property that offers a sprawling lot with endless potential—perfect for creating a custom masterpiece or a profitable remodel.. The kitchen, remodeled in 2013, features top-of-the-line appliances including a Sub-Zero refrigerator, Wolf ovens, a Viking stove, and a built-in microwave. Elegant Carrara Italian marble countertops complete this luxurious space. Additionally, the home includes a side basketball court—perfect for recreation and entertaining. With incredible potential and a desirable location, this is a fantastic opportunity to add value and make this home your own. Don't miss out on this investment gem! Located in an area surrounded by $4M+ estates, this property has all the makings of a high-value transformation. Don't miss your chance to seize this rare find and bring new life to a fantastic piece of Scottsdale real estate! SEE PRIVATE REMARKS FOR INSTRUCTIONS - DO NOT DISTURB OCCUPANT!
101 S Falling Leaf Road
Show Low, AZ 85901
$1,199,999
4
Beds
4
Baths
3,081
SqFt
Status
Active
MLS #
6717423
Property Type
Single Family Residence
Price Type
--
Live the mountain dream with this stunning Torreon 16th Fairway home! Situated on just under an acre with 4 beds 4 baths, you'll have plenty of space to entertain family and friends. The large paver driveway invites you to the exquisitely finished home. Custom features like the metal railings are sure to impress. The kitchen offers generous prep, storage, and seating space. Organize your supplies with ease with the walk-in pantry. A loft featuring a wet bar adds to the entertainment space. The owner's suite is sure to be your peaceful retreat at the end of the day, with an en suite, and tons of options with the sitting room off the owner's suite.
40 Hutson Lane
Sedona, AZ 86351
$1,199,999
3
Beds
3
Baths
2,930
SqFt
Status
Active
MLS #
6738920
Property Type
Single Family Residence
Price Type
--
Beautiful, Move-in Ready 2930 Sq ft. Home on 1.07 Acres, situated on a 360 view lot. Gorgeous, jaw-dropping Views from All Angles to Enjoy the Breathtaking Sedona Sunrise & Sunsets, Majestic Red Rocks, Bell Rock & Natural Landscaping surrounding this One of a Kind Custom Built Home. A Serene Location with plenty of Hiking, Biking, Golfing, Shopping, Top Rated Restaurants within walking distance in the Village of Oak Creek. This home is a 3 Bedroom 3 Bath w/ Large Private Additional 4th Room that can be used as Bedroom, Office or Living space. There are Two-Primary Ensuite Bedrooms, each with their own Private access to Patio & Built in Fireplace. Soaring Wood Beam Ceilings in the Open living space with Ample Windows & Sliding Glass Doors, to Provide Stunning Views as you walk throughout
8247 E Devonshire Avenue
Scottsdale, AZ 85251
$1,199,999
5
Beds
3
Baths
2,725
SqFt
Status
Active
MLS #
6748054
Property Type
Single Family Residence
Price Type
--
Nestled in OLD TOWN, this extraordinary 5-bedroom, 3-bathroom home offers more than just living space, it provides a lifestyle of luxury and convenience. Currently operating as a VERY successful Airbnb was renovated in 2019, a new kitchen, remodeled bathrooms, and fresh paint throughout. Outside, the allure continues with low maintenance landscaping, a heated pool, and spacious covered patio, perfect for outdoor relaxation and entertaining. With easy access to HWY 101 and 202, Scottsdale Fashion Square Mall, dining, and entertainment options are mere minutes away, ensuring you're never far from excitement. This home offers the quintessential Scottsdale lifestyle. ********* Owner financing available with below market interest rates. STR financials available upon request.request. ****** This home offers the quintessential Scottsdale lifestyle.
21211 N 38th Place
Phoenix, AZ 85050
$1,199,999
4
Beds
3.5
Baths
3,552
SqFt
Status
Active
MLS #
6751849
Property Type
Single Family Residence
Price Type
--
FULLY remodeled home in Fireside at Desert Ridge Community. The first floor features a kitchen to living room open concept with soaring ceilings, 1/2 bath, dining room, office & en suite guest room. 2nd floor includes a loft, 2 guest rooms, full bath and primary bedroom. Interior upgrades include new flooring & paint throughout. Kitchen-Custom island & breakfast nook, resurfaced cabinets, backsplash, high end ss appliances & sink. Living Room-new entertainment center with oversized fireplace & built in wine fridge. All bathrooms-upgraded floor tile, countertops, sinks, tiled showers & glass doors. Exterior upgrades-full home paint, front courtyard pavers & gas fireplace, lighting, turf, gazebo & misters.
9539 W Villa Chula --
Peoria, AZ 85383
$1,199,999
3
Beds
3.5
Baths
3,318
SqFt
Status
Active
MLS #
6733567
Property Type
Single Family Residence
Price Type
--
Desirable Meadows Subdivision Home - Triana Farmhouse Model by Toll Brothers! Welcome to your dream home in the sought-after Meadows subdivision! This stunning single-story Triana Farmhouse model, built in 2020 by Toll Brothers, offers modern living with timeless elegance. Key Features: **Layout:** Spacious 3-bedroom split floor plan with a den/office, perfect for remote work or a quiet retreat. **Kitchen:** The large kitchen boasts a massive island, quartz countertops, and elegant white shaker-style cabinets, ideal for cooking and entertaining. **Living Spaces:** Enjoy the open feel with 9'+ ceiling heights throughout the home. **Outdoor Living:** Both the front and backyard are beautifully landscaped for low maintenance and are perfect for entertaining. **Garage:** Ample storage with a 3-car garage equipped with epoxy floors and custom garage cabinets. **Courtyard:** A beautiful enclosed courtyard provides added security and privacy for outdoor entertaining during the cooler months! **Energy Efficient:** Owned outright solar system means no electrical bill. **Primary Suite:** The large primary bedroom and bathroom include a stunning walk-in closet. This home is a perfect blend of comfort, style, and functionality.
19235 E Peartree Lane
Queen Creek, AZ 85142
$1,199,999
4
Beds
4.5
Baths
4,022
SqFt
Status
Active
MLS #
6761607
Property Type
Single Family Residence
Price Type
--
Come look and Fall in Love with this model home, location is great and buffered by treed Greenbelt quiet!!. All 47 Quail Creek homes are single level with large lots and superior quality. Sunridge former model includes 4 bedrooms with private baths and an office, a half bath and bonus area that could be a library or game room. Step into a luxurious open floor plan with 2 pantries, tons of cabinet space, large island and meticulous kitchen. Don't miss the disappearing wall that melds indoor and outdoor space, with a beautiful backyard, gazebo and patio area. This 13,248 sf lot is an entertainer's dream or room for a large pool. Professional turf in front and backyard with perfect landscaping. Plantation shutters throughout! So close to Mansel Carter Oasis Park that boasts tennis, pickle ball, volleyball, fishing, fields, and a children's playground. There is so much more like the paver driveway and sidewalk, Front and back yard landscaping, gourmet kitchen with GE SS Monogram® appliances, including double ovens and 36 gas cooktop. Tile throughout, with upgraded carpet in the bedrooms and dining area. Custom paint accent walls and 2 tone paint. Plus so much more! Regency at Quail Creek Estates