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.
Click Here to See What Your Home is Worth
12560 E Cochise Drive
Scottsdale, AZ 85259
$3,495,000
5
Beds
5.5
Baths
4,951
SqFt
Status
Active
MLS #
6715679
Property Type
Single Family Residence
Price Type
--
NEW CONSTRUCTION - Contemporary home with private Casita (price/sf incl casita is $601.86!). Located in the prestigious Shea Corridor on an acre lot with stunning views of the McDowell Mountains! Front entrance takes you into a spacious foyer which leads to an expansive Great Rm, Kitchen and Dining area. The kitchen, with its European-style cabinets quartzite countertops and high-end appliances, also has a large walk-thru pantry. Wide hallways route you to the ensuites, each with an ample walk-in closet and bathroom. Owner's suite has a sitting and TV room, a gorgeous long vanity, bathing area, and an extra-large closet . An oversize 4-car garage fits your full size pickup with plenty of room to spare! The 856 SF detached 1-Bd Casita mirrors the luxury of the main home, with a full kitchen and Great Rm. The large porch offers spectacular views of the mountains. Large Travertine steps take you to the modern, heated pool and spa. There are sliding metal gates for access to the backyard, including private parking for the Casita. The home is within close proximity to fine dining and Old Town Scottsdale, the Mayo Clinic, world class golf, hiking trails, Westworld and more! No HOA. Your dream home awaits!
4840 E Caida Del Sol Drive
Paradise Valley, AZ 85253
$3,490,000
6
Beds
5.5
Baths
5,598
SqFt
Status
Active
MLS #
6692117
Property Type
Single Family Residence
Price Type
--
What makes this home a coveted gem? Value: Currently there is only one property with a 1000sqft+ guest houses under $4M in Paradise Valley. Perfect Generational Living. Design: bold, modern architecture with clean lines and multi-generational modern living. Luxurious Interiors: High-end details and a layout that's both functional and fabulously designed. Entertainer's Dream: Incredible outdoor living spaces, complete with a sparkling pool, spa, and an outdoor BBQ/Bar. It's the perfect setting for memorable gatherings, big or small. Location: Minutes away from exceptional schools dining, shopping, and entertainment, yet tucked away in a private refuge. The best of Paradise Valley, with elegant design and superior craftsmanship that seamlessly blends indoor and outdoor living.
11 Sky Ridge Court
Sedona, AZ 86336
$3,480,000
4
Beds
6
Baths
3,920
SqFt
Status
Active
MLS #
6586352
Property Type
Single Family Residence
Price Type
--
A stunning custom home is set to be built in Sky Ridge Estates, Sedona's newest subdivision, located in the heart of Sedona. The home will be situated on a beautiful panoramic view hilltop lot on a ridge with a cul de sac. The property boasts breathtaking North/East/South facing panoramic views and will feature four or five en-suite masters. The home is just a short walk away from the new town square/city park and museum, Tlaquepaque, high-end shopping and dining, Los Abrigados Spa resort, restaurants, gym, lighted tennis/pickleball courts, and Oak Creek front park. The property is presently in the design phase (rendering and floor plans only), Very quiet and secluded, yet in the heart of Sedona, with a 10 walkability score. Below Market Pricing: Secure your slice of paradise with lots starting at just $329,000(half-off 8/23 appraisal of 495,000- 695,000 as improved (when road and utilities are completed) Build Your Dream: Opt for our innovative rustic contemporary, metal, and ceiling-to-floor glass eco-friendly landscape homes, designed for efficiency and elegance. Cantilevered on pillars vs old style expensive cut and fill pad or retaining wall, See renderings under the photo tab. Unparalleled Views, Privacy, very quiet & secluded: 19 Exclusive Lots: Each lot, ranging from half to three-quarters of an acre, offers breathtaking panoramic views along a serene ridge down and through a hidden canyon. Investment & Lifestyle Flexibility: Luxury Living Redefined: Sky Ridge Estates isn't just a place to live; it's a lifestyle. This 5-star resort community offers: *Private Club & Fine Dining (room service): Experience culinary delights without leaving the comfort of your community. *Wellness & Leisure: State-of-the-art anti-aging spa, fully-equipped gym, yoga studio, indoor climate-controlled pickleball court, and a golf simulator. *Concierge & Transport: Enjoy the convenience of concierge services, a Mercedes limo van for all your travel needs, and 24-hour security guard and cameras. *Resort-Style Property Management: Travel a lot? 2nd Home? On-site property management is available. *Infrastructure is underway, and roads and utilities are being installed. The clubhouse and gate are pending approval. Collaborate with our top architect and builder to bring your vision to life. Contact us for more details on this unique opportunity. Look under photos and website for home renderings and drone footage of each lot. Don't miss out on this chance to invest in a lifestyle of luxury and tranquility at Sky Ridge Estates. Recent Sold Comps; 920 N Palisades,.73 ac,COE 10/23 for 525,000 3 Sky Ridge Ct.,.63 ac,COE 1/24 for 500,000
9853 E Cornerstone Drive
Scottsdale, AZ 85255
$3,475,000
4
Beds
4.5
Baths
4,470
SqFt
Status
Active Under Contract
MLS #
6784489
Property Type
Single Family Residence
Price Type
--
Welcome to this meticulously updated 4,470 sqft estate, nestled in the highly coveted community of Windgate Ranch. Recently updated in June 2024, this impressive single-level residence offers a seamless blend of modern luxury and comfort, set against the breathtaking backdrop of the McDowell Mountains. This expansive home features 4/5 bedrooms, 4.5 baths, and a host of sophisticated upgrades throughout. The stunning open-concept design showcases soaring 12-foot and 16-foot ceilings, creating a sense of grandeur and spaciousness from every room. With a large lot and no homes directly behind, privacy and tranquility are yours to enjoy. The views of the McDowell Mountains offer the perfect complement to the serene and secluded atmosphere. The heart of this home lies in its completely remodeled kitchen, equipped with the latest Sub-Zero, Wolf, and Cove appliances, including a professional-grade Viking gas range. Whether you're an aspiring chef or simply love to entertain, this kitchen is designed for both function and style. The generous primary suite is an indulgent retreat, boasting a sizable bedroom and a newly updated primary bathroom featuring luxurious finishes and modern touches. For added convenience, the primary bath is equipped with a hot water recirculation line, ensuring instant comfort. The walk-in closets offer plenty of space for your wardrobe, while the entire suite serves as the perfect sanctuary for relaxation. Step outside and discover your own private oasis. The backyard is an entertainer's dream, complete with a sparkling pool adorned with cascading water features, a striking outdoor fire feature, Built in BBQ, and a spacious covered patio with heaters and remote-controlled sunscreens for added comfort. Whether you're hosting a summer soirée or enjoying a quiet evening under the stars, this outdoor space offers an idyllic setting year-round. Additional highlights of this exceptional home include a separate entrance casita, perfect for guests or as a private home office, a 3-car garage, and custom spray foam insulation throughout the house and casita. The spray foam ensures superior energy efficiency, and the thermostatically controlled exhaust fan further enhances the home's performance. With every detail thoughtfully considered and executed, this property offers the ideal balance of luxury, privacy, and convenience. Experience unparalleled living in one of Scottsdale's most desirable neighborhoods, with top notch Windgate Ranch amenities, world-class shopping, dining, and outdoor recreation just moments away. Don't miss this rare opportunity to own a true Scottsdale gem. WINDGATE RANCH AMENITIES OUTDOOR *Nearly six acres of green space throughout the community *Walking trails in the community and hiking trails nearby *Playgrounds *Picnic ramadas *Tennis, pickleball, and basketball courts *Sand volleyball * Three pools and spas * Poolside cabanas * Open-air Living Room INDOOR *Member's Clubhouse (includes access to a full kitchen, bar, and back patio) * Windgate Room (tables/chairs, microwave, and refrigerator)
12020 N 68th Place
Scottsdale, AZ 85254
$3,450,000
5
Beds
5
Baths
5,022
SqFt
Status
Active
MLS #
6752052
Property Type
Single Family Residence
Price Type
--
NEW from Thomas James Homes with an opportunity to select some interior finishes during early stages of construction! This house has a great address and great schools. Sitting in the highly desirable Scottsdale neighborhood, this beautiful 5 bedroom, 5.5 bathroom this contemporary home is the definition of exceptional design. Wide plank wood flooring, decorative ceiling and wall treatments, including beams and wood paneling, impressive custom lighting, outstanding millwork, stone and tile accents, a gorgeous floor to ceiling fireplace, flat panel cabinetry and a 4-car garage are just a sampling of the outstanding finishes going into the home. The large single story open concept floorplan is expertly crafted for modern living with a large interior courtyard leading to the home's entrance. Inside you'll find a large great room and luxury kitchen joined by a large quartz countertop island. The grand suite hosts a large his and hers walk-in closet and a spa like bathroom with a freestanding soaking tub and walk-in shower. The secondary bedrooms throughout the home have en-suite bathrooms. In addition to the bedrooms, you'll find ample added living space with a private office and a kitchen prep area adjoining a bonus room. Home will feature fully landscaped front and back yards with a pool and spa, providing great Arizona outdoor living space. This home is minutes from dining, shopping and more. Expected completion Fall 2025.
109 E Hayward Avenue
Phoenix, AZ 85020
$3,450,000
4
Beds
4.5
Baths
4,528
SqFt
Status
Active
MLS #
6758133
Property Type
Single Family Residence
Price Type
--
NEW CONSTRUCTION - READY Q1 2025. 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! With an emphasis on state of the art design, energy-efficiency, integrated technology, we offer unparalleled indoor / outdoor spaces welcoming year round quality time with friends and family .... All in the heart of Phoenix Arizona. 4 Bedrooms + 4 baths + office + Design + Efficiency + Community + Technology = very happy homeowners! Blue Sky Homes is bringing to the market this stunning Modern new build in the highly desirable North Central neighborhood. Perfectly appointed and finished to the exquisite level that Blue Sky Homes always delivers every time.
3040 S Solitaires Canyon Drive
Flagstaff, AZ 86005
$3,450,000
4
Beds
4.5
Baths
3,832
SqFt
Status
Active
MLS #
6760314
Property Type
Single Family Residence
Price Type
--
Nestled in the prestigious Pine Canyon community of Flagstaff, AZ, this exceptional home offers a unique blend of luxury and natural beauty. Spanning 3832 square feet on a 0.33-acre lot, this SMART HOME wired residence captures the essence of mountain living with a contemporary twist. Surrounded by the tranquil pines and backing onto the National Forest, the home offers breathtaking views of the San Francisco Peaks, blending seamlessly with its environment. Designed with both elegance and comfort in mind, the architectural details of this custom home create a harmonious balance between modern mountain aesthetics and industrial chic. High ceilings, exposed beams, and expansive windows flood the interiors with natural light, while reclaimed materials, oak floors, and (Continue) Elevator, high ceilings, exposed beams, and expansive windows flood the interiors with natural light, while reclaimed materials, oak floors, antique steel add a touch of rustic charm. The open floor plan flows effortlessly from the spacious living room, featuring a custom reclaimed steel fireplace, to the dining area and chef's kitchen, which is equipped with stainless steel appliances, a functional island with seating and storage, a pantry, and a wet bar with a wine fridge. The master suite is a true retreat, complete with a cozy seating area, fireplace, and a full bathroom that exudes spa-like luxury with a resort-style shower, double sinks, and a soaking tub. Each of the remaining three ensuite bedrooms offers comfort and space, with full bathroom
15720 N 115th Way
Scottsdale, AZ 85255
$3,450,000
4
Beds
3.5
Baths
4,817
SqFt
Status
Active
MLS #
6763620
Property Type
Single Family Residence
Price Type
--
Welcome to your dream home at 15720 N. 115th Way, where breathtaking views and modern comforts come together in perfect harmony. Nestled in the serene guard-gated community of 100 Hills this stunning residence offers panoramic mountain vistas, stunning desert sunsets and glittering city lights, providing a backdrop that will captivate you day and night. Step inside to discover a beautifully updated kitchen, the heart of the home, designed for both style and functionality. Featuring sleek granite countertops, custom cabinets, state-of-the-art appliances, and ample storage space, this kitchen is a culinary enthusiast's delight. Whether you're preparing a gourmet meal or hosting friends and family, you'll appreciate the thoughtful design and attention to detail. Beyond the
6602 E Cheney Drive
Paradise Valley, AZ 85253
$3,450,000
5
Beds
4
Baths
4,107
SqFt
Status
Active
MLS #
6757875
Property Type
Single Family Residence
Price Type
--
CUSTOM CORNER LOT HOME WITH 5 BEDROOMS AND 4 BATHROOMS. BACKYARD WITH CANTERRA STONE PATIOS, RAMADA, LARGE FIREPLACE AND WITH WATERFALLS INTO THE POOL. LARGE MASTER BEDROOM WITH SITTING AREA AND FIREPLACE, CARRERA MARBLE MASTER BATH. BEDROOMS ARE A SPLIT FLOOR PLAN. NEW POOL MOTOR, POOL SWEEPER, GARBAGE DISPOSAL AND UPDATED WATERING SYSTEM.
35670 N 85th Street
Scottsdale, AZ 85266
$3,449,000
3
Beds
3.5
Baths
4,828
SqFt
Status
Active Under Contract
MLS #
6732527
Property Type
Single Family Residence
Price Type
--
Just imagine this stunning home nestled behind the gates of Rosewood Ranch Estates, with breathtaking, unobstructed, panoramic, mountain views of Black Mountain, Elephant Mountain, and the Continental Mountains on over an acre-most private and largest lot in neighborhood is yours. This custom home is low maintenance & meticulously crafted by the Award Winning Rosewood Homes celebrated for design and innovative style. Built in 2020, and designed for those with discerning tastes. It's like a new build without the wait! Enjoy the soaring ceilings, elegant wood accent beams, tile hardwood floors, dream kitchen with upscale Wolf, Sub Zero, & Fisher Paykel appliances, private inner courtyard, heated pool, swim up BBQ Island, Bocce Ball, perfect Lock & Leave, room for Guest House ,Pickleball and MORE! The oversized kitchen island, designer backsplash, and custom cabinetry, are just a few of the features of this incredible kitchen, equipped with a Sub Zero custom refrigerator and freezer, a six-burner Wolf cooktop, and Fisher Paykel dish drawers. This stylish and inviting space is perfect for entertaining, making it the heart of the home. Unwind in the luxurious Great Room, featuring a sleek linear gas fireplace, large picture window perfectly framing Elephant Mountain and the Continental Mountains, or retreat to the versatile Den/Media Room, perfect for a Private Office, Gym, or Home theater. The Primary Suite serves as a private sanctuary, boasting a spa-like bathroom with a generous walk-in shower, beautiful freestanding tub, His and Her Vanities, complemented by oversized designer walk in His and Her closets. Guest comfort and privacy are paramount, with generously sized ensuite Guest Suites with walk in closets, thoughtfully located on the opposite side of the house with the Split Floor Plan Design. Embrace seamless Indoor-Outdoor Living with two walls of disappearing glass that open to a spectacular Private Inner Courtyard, the perfect place to entertain family and friends or curl up with a book and enjoy solitude. The resort style backyard is complete with a large custom heated pool featuring an oversized Bahia Shelf with Ledge Loungers for the ultimate in relaxation poolside, a designer poolside ramada and Gourmet Outdoor BBQ kitchen perfect to swim up to and enjoy fabulous mountain views, sunsets, cocktails and conversations! Enjoy a friendly game of Bocce Ball on your very own court for endless entertainment! Gather around the gas fire table under the star-filled desert sky, star gaze, roast marshmallows, tell stories and create wonderful memories to last a lifetime! Situated on over an acre this gorgeous home boast the largest, most private lot in the neighborhood and offers ample space if one wanted to add a separate Guest House ,a Pickleball Court, Putting Green, Yoga Shala, or simply room to run and play football or catch with your best friend. The Four-Car Garage provides plenty of storage for all your Cars, Recreation Vehicles and Toys. This impeccable home presents an unparalleled opportunity for luxurious living in North Scottsdale. Don't miss your chance to experience luxury at its finest, book your private tour today and step into the lifestyle you've always dreamed of! PS: Furniture available on a separate bill of sale at close of escrow.
6529 N Mountain View Road
Paradise Valley, AZ 85253
$3,425,000
4
Beds
5
Baths
4,204
SqFt
Status
Active
MLS #
6774628
Property Type
Single Family Residence
Price Type
--
Stunning Contemporary Desert Oasis with Panoramic Mountain Views, perfectly positioned to capture breathtaking mountain views from every angle. This modern masterpiece offers a harmonious blend of sleek, contemporary design and the natural beauty of its desert surroundings. As you step inside, you'll be greeted by an open-concept layout that flows effortlessly through light-filled living spaces. The home's modern architecture is accentuated by clean lines, flat rooflines, and expansive windows, offering uninterrupted views of the nearby mountains. The muted, neutral exterior tones blend seamlessly with the surrounding desert landscape, creating a harmonious, natural aesthetic.
1402 E Coral Cove Drive
Gilbert, AZ 85234
$3,400,050
8
Beds
7.5
Baths
11,705
SqFt
Status
Active
MLS #
6719083
Property Type
Single Family Residence
Price Type
--
Magnificent lakefront 2-story basement estate on rare Peninsular lot w/nearly 239' (2 sides) of lakefront nestled on a cul-de-sac lot in the prestigious, gated West Lake Estates Val Vista Lakes water-wonderland Community. Approximately 8,429sf above grade & 3,276sf of beautifully finished basement w/ living quarters, wet bar/kitchenette, 720 btl wine room & gym; a bright upper level attached full Guest Quarters w/sep. entrances; nearly new roof, HVAC & OWNED solar! Thoughtful design w/ superior function, energy efficiency & a flowing floor plan for easy living & entertaining. Timeless architecture, stunning water views & mountain vistas - a lifestyle second to none. Lavish community amenities w/ convenient location to shopping, dining & easy highway access; minutes to airport! SUPPLEMENT: Amenities and updates abound in this luxurious lakefront residence! 1.