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

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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4591 E Sundance Avenue Gilbert, AZ 85297

$550,000

4 Beds

2.5 Baths

2,120 SqFt

Status Active Under Contract

MLS # 6772931

Property Type Single Family Residence

Price Type --

Are you looking for a home in Power Ranch on a larger lot with some open space behind it? This beautiful home backs to a community park and has a large backyard with mature trees, new artificial turf lawn and new patio pavers. Power Ranch has long been one of the most desirable communities in Gilbert because of the abundance of community features such as community center, parks, lakes, sport courts and more. New plush carpet was just installed upstairs in all bedrooms and hallway. Lots of recent updates such as stove, dishwasher and all new garage door opener. A living and dining room with vaulted ceiling welcomes you upon entry while the large family room, kitchen and sunny breakfast nook are in back. This one won't last long because of its PRIME location backing to a park.

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5255 N Peach Lane Pine, AZ 85544

$550,000

2 Beds

2 Baths

1,426 SqFt

Status Active Under Contract

MLS # 6781018

Property Type Single Family Residence

Price Type --

Tucked away among the whispering pines, this charming cabin invites you into its warm embrace with a delightful covered patio. Every corner of this beautifully reimagined retreat exudes comfort, from the inviting indoor spaces to the serene outdoor living areas. You'll find hickory floors sweeping gracefully throughout, while the living room captivates with its elegant stack-stone fireplace, cozy window seat, and soaring vaulted tongue-and-groove ceiling. The kitchen beckons with granite counters and a handy pantry for all your culinary needs. Venture upstairs to discover a snug loft, perfect for leisurely afternoons or perhaps an additional sleeping nook. The main level houses a quaint bedroom and bath, while the upper level offers a second bedroom and bath for added privacy. Have delightful gatherings or simply unwind on the spacious, wrap-around Trex deck, enveloped in nature. A chain-link fenced yard ensures a safe haven for kids and pets to play, while a garden area, fruit trees, two storage sheds, a dog run, and RV hook-ups cater to your every need. The oversized two-car garage not only accommodates your vehicles but also features a workbench, laundry hook-ups, and a convenient half-bath. With central heating and AC, this cozy haven promises year-round comfort and tranquility.

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3417 N Kalarama Avenue Scottsdale, AZ 85251

$550,000

3 Beds

2 Baths

1,458 SqFt

Status Active Under Contract

MLS # 6784285

Property Type Single Family Residence

Price Type --

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12610 N 45th Drive Glendale, AZ 85304

$550,000

5 Beds

2 Baths

2,697 SqFt

Status Active Under Contract

MLS # 6785080

Property Type Single Family Residence

Price Type --

Welcome to your dream home, where modern upgrades meet timeless comfort. Boasting 5 bedrooms, a versatile den, and 2 bathrooms, this property offers the space and functionality you've been searching for. Step inside to discover a thoughtfully designed layout, perfect for families or hosting guests. Recent upgrades enhance the charm and convenience of the interior, creating a move-in-ready haven. Outside, the resort-style backyard steals the show. Dive into relaxation in the updated pool, surrounded by a stunning travertine pool deck that exudes elegance and durability. The low-maintenance synthetic grass ensures you spend more time enjoying the yard and less time working on it. Gather under the gorgeous gazebo, complete with an outdoor kitchen. New roof 2022 + a plethora of more updates are listed in the documents tab.

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3869 S Dew Drop Lane Gilbert, AZ 85297

New

$550,000

4 Beds

2.5 Baths

2,163 SqFt

Status Active

MLS # 6785765

Property Type Single Family Residence

Price Type --

Welcome to Highly Updated in Power Ranch! - You Will Fall in Love with this 4BR 2.5BA + Loft - All Newer: Flooring, Kitchen, Baths, Quartz Countertops, Interior Paint, Stainless Steel Appliances, Water Softener, Water Heater, R/O System - The Master Bedroom is Downstairs - Great Gilbert Schools - The Community Includes: Fishing Lakes, Community Pools, Parks Throughout, Basketball Courts, Playgrounds, Trails, Clubhouse, & MUCH MORE!! Power Ranch is One of THE Premiere Neighborhoods in Gilbert/ East Valley! See This Beauty Soon!!

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17302 E Oro Grande Drive Fountain Hills, AZ 85268

$550,000

3 Beds

2 Baths

1,493 SqFt

Status Active

MLS # 6750848

Property Type Single Family Residence

Price Type --

A beautiful, well-kept home in a highly sought after areas of Fountain Hills. The inside has been very nicely updated. Enjoy the family area with beautiful flooring and a fireplace. The master bathroom has been redone to be handicap friendly. Enjoy spectacular mountain views from your kitchen window, the master bdrm and the patio/Arizona room. You can even see four peaks from the huge backyard. The landscaping is done. The back is on a partial watering system. There are native Desert Willows that thrive even in drought and cold and Meyer Lemon Trees. There is no HOA. There is an RV gate and lots of room out back for an RV, boat or whatever you like. The home is in a highly rated school district with plenty of shopping nearby. You won't be disappoint

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10709 E Knowles Avenue Mesa, AZ 85209

New

$550,000

3 Beds

3 Baths

2,161 SqFt

Status Active

MLS # 6787305

Property Type Single Family Residence

Price Type --

Welcome to this beautifully updated home, offering luxury and comfort at every turn. The spacious kitchen boasts sleek stainless steel appliances and elegant slab granite countertops, making it perfect for both cooking and entertaining. The expansive master suite provides a peaceful retreat with plenty of room to relax. Step outside to your private oasis featuring a sparkling pool. With a 3-car garage, there's ample space for vehicles, storage, or a workshop. This home combines style, space, and functionality—don't miss the chance to make it yours!

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10433 S 46th Way Phoenix, AZ 85044

New

$550,000

3 Beds

2 Baths

1,795 SqFt

Status Active

MLS # 6787232

Property Type Single Family Residence

Price Type --

Welcome to your Spanish-style dream home, just minutes from South Mountain trails! This single-level beauty features 3 bedrooms, an office/den, and no HOA—because who needs rules? The huge great room w/ a cozy fireplace is perfect for Netflix (or Netflix and wine). Vaulted ceilings make you feel like royalty, and large windows let in tons of natural light so your plants can live their best life too. The dining room has built-in cabinets that scream, ''I'm organized, but I still have room for a bottle of tequila.'' The kitchen has ample counter space, modern appliances & a breakfast nook to enjoy your morning coffee. The spacious primary suite includes dual vanities and a walk-in shower because who needs a spa when you've got a shower big enough to house your dreams. Outside, enjoy a enjoy low-maintenance and spacious lot where you can paint your door whatever you like - just remember it is best to make friends with your neighbors if you ever need borrow eggs or milk. Don't miss this opportunity. Grab your hiking boots and come see it today!

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4936 E Coronado Road Phoenix, AZ 85008

$550,000

3 Beds

2 Baths

1,821 SqFt

Status Active

MLS # 6784981

Property Type Single Family Residence

Price Type --

Welcome to this beautiful 3-bedroom, 2- bathroom home! This property boasts a spacious front and backyard, complete with citrus trees and green plants, a 2-car garage, an RV gate, and a covered patio for outdoor enjoyment. Inside, you'll find tile flooring throughout, with a family room featuring laminate flooring perfect for entertaining guest. The freshly painted interior complements the kitchen's cream-colored cabinets, granite countertops, stainless steel appliances, and an island ideal for enjoying meals. Both bathrooms have been fully remodeled with modern tile backsplashes, glass doors, and sleek black faucets and shower heads, Conveniently located near freeway access, shopping centers, the Phoenix Zoo, and Papago Park, this home offers both comfort and accessibility.

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14916 W Piccadilly Road Goodyear, AZ 85395

$550,000

3 Beds

2 Baths

2,962 SqFt

Status Active

MLS # 6622880

Property Type Single Family Residence

Price Type --

$60,000 BELOW RECENT COMP. see MLS#6608783 Welcome to luxury living of Goodyear, nestled within the prestigious guard-gated community of PebbleCreek! As you enter, you're greeted with soaring ceilings in the grand foyer. The Cambria plan revolves around a spacious great room with vaulted ceilings, bar area, chef's kitchen with granite counters, large breakfast area flowing seamlessly to the outdoors. The primary suite is accompanied by a relaxing sitting room, walk-in shower, make-up with a dual sink vanity. This home is ready for your touch! Lastly, step out back to a covered patio and a professionally landscaped low maintenance backyard. The community offers golfing, restaurants, social clubs, fitness center, indoor/outdoor pools, tennis, trails and so much more!

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15213 N Cameo Drive Sun City, AZ 85351

$550,000

3 Beds

3 Baths

2,800 SqFt

Status Active

MLS # 6682424

Property Type Single Family Residence

Price Type --

SHORT SALE OPPORTUNITY- Welcome to your dream home nestled in the desirable community of Sun City! This stunning property at 15213 N Cameo Dr offers the perfect blend of elegance and relaxation with its prime location overlooking the golf course and serene lake views. Boasting 3 bedrooms and 3 bathrooms, this premium lot home features a spacious layout designed for comfortable living. Step inside to discover a light-filled living space with picturesque views of the lush greenery and tranquil waters. The kitchen is a chef's delight, equipped with modern appliances and ample counter space. Retreat to the master suite, complete with a private en-suite bath and scenic vistas. Enjoy Arizona's outdoor living at its finest in the expansive backyard oasis, where you can soak in the breathtaking sunsets from your Arizona Room/ patio. With its proximity to shopping, dining, and recreation, this home offers the ultimate lifestyle experience. Don't miss your chance to own this piece of paradise - schedule your showing today!'

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9345 W Pasadena Avenue Glendale, AZ 85305

$550,000

4 Beds

3 Baths

3,136 SqFt

Status Active

MLS # 6690752

Property Type Single Family Residence

Price Type --

PRICE REDUCTION ....This stunning two-story property exudes charm and elegance from the moment you arrive! You'll be greeted by a meticulously manicured front yard and pull into the spacious two-car garage with extension for a 3rd car.Upstairs you will fine the large master suite featuring a bonus room can be a living room or baby room. Also has a large family room.Spacious gourmet kitchen with island, granite countertops and a large pantry. The property is in a fantastic location near restaurants, shopping, and easy access to the freeway. This is a formal model home with lots of upgrades.SELLER IS MOTIVATED.

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