Mortgage Myths: Here’s Why You Don’t Need a Full 20 Percent Down Payment

If you’re just getting into the real estate market, you may have heard that 20% down is the ideal percentage in order to lower your monthly payments and get your mortgage application approved. However, while 20% is often suggested, many people struggle to come up with this amount of money. If you’re staving off home ownership, here are some reasons you may not need to hold off as you long as you thought.

Minimizing Your Insurance Costs

Putting down 20% of the total purchase price of your home is often suggested, but it doesn’t definitively mean that your application won’t be approved if you don’t. If you have a good credit score and are in good financial standing, putting less than 20% down means you’ll have to pay Private Mortgage Insurance (PMI); however, it can be worth paying the extra funds in order to get into the real estate market sooner and start paying into your most significant investment.

Mortgage Programs For Less Than 20%

It may seem less possible to buy a home if you only have 5 or 7% of the purchase price, but there are many programs in the United States that enable those with limited funds to apply for a mortgage. From the Federal Housing Administration (FHA) to Fannie Mae and Freddie Mac, there are many lenders that can offer you mortgage programs that will work for your situation. While higher rates come in tandem with a lower down payment, there are options out there for those who haven’t saved quite enough.

Why Put Down 20%?

Putting down 20% is not a necessity for mortgage approval or purchasing a home, but it can be a great means of saving money in the long run and reducing your interest rates. If you’re raring to get into the real estate market and don’t want to wait for the bills to stack up, that’s OK, but if you want to hold off and save up additional funds before diving in, this can mean more money and a more solid investment in the future.

The magic number is often 20% when it comes to a down payment on a home, but you don’t require this percentage of your home’s price in order to get approved for a mortgage. If you’re currently considering diving into home ownership and would like to know more about the opportunities in your area, give me a call – J.P. Cook – 602-320-4253.

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3506 E Ivyglen Circle Mesa, AZ 85213

$1,900,000

8 Beds

6.5 Baths

8,103 SqFt

Status Active Under Contract

MLS # 6754378

Property Type Single Family Residence

Price Type --

This rare estate spans three floors & offers the equivalent of three homes in one with 3 full kitchens. The main floor inspires w/ soaring ceilings & abundant natural light that fills both formal & casual living spaces. Here, you'll find a stunning gourmet kitchen, a guest bedroom, a full bathroom, and a private casita suite (ADU) complete with its own office, spacious living area, garage and fully equipped kitchen. On the second floor, the master suite awaits, a luxurious retreat. Plus 2 additional bedrooms & an office, perfect for work or relaxation. The lower level offers a second ADU w/ 3 bedrooms, 1 bathroom, & its own living/dining area & kitchen— perfect for extended family or rental potential. The backyard features a pool, spa & fire pit. Room for pickleball ct. Virtually staged

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28421 N 59th Way Cave Creek, AZ 85331

$1,899,995

3 Beds

3.5 Baths

2,946 SqFt

Status Active

MLS # 6641971

Property Type Single Family Residence

Price Type --

To Be Complete Summer 2024. The Elden's warmly inviting porch leads into a soaring foyer set between the spacious formal dining room and the flex room. The impressive great room overlooks a desirable covered patio. A cozy casual dining area complements the well-appointed kitchen featuring a large center island with breakfast bar, ample counter and cabinet space, a roomy walk-in pantry, and a butler pantry to the dining room. The serene primary bedroom suite is highlighted by a generous walk-in closet and spa-like primary bath with dual-sink vanity, large soaking tub, luxe shower with seat and drying area. Each secondary bedroom features a walk-in closet and private bath. Convenient powder room, an everyday entry, a centrally located laundry, and additional storage.

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5530 W Sand Court Queen Creek, AZ 85144

$1,899,900

5 Beds

4.5 Baths

5,983 SqFt

Status Active Under Contract

MLS # 6743010

Property Type Single Family Residence

Price Type --

Welcome to your dream oasis! This exceptional and meticulously maintained custom home offers unparalleled luxury and comfort, situated on a spacious one-acre lot with breathtaking mountain views. Immerse yourself in the ultimate backyard retreat featuring an awe-inspiring 55,000-gallon solar-heated pool, complete with a thrilling 50-foot water slide and a raised jacuzzi. A built-in BBQ awaits the chef in you while your guests enjoy the glass firepits or poolside bar. Feel free to perfect your diving techniques with the impressive 14 foot pool depth. Natural boulders bring a beauty that is unmatched to this professionally designed landscape, which would cost nearly a million dollars to replicate today! Let's not forget the gorgeous interior of the home with its generous (more..... ...open layout. Enjoy five beautifully appointed bedrooms and five bathrooms, plus a functional den, providing ample space for both relaxation and entertainment. The fully finished basement offers a versatile space ideal for guests or as a private retreat, ensuring comfort and privacy for everyone. The home boasts a 3 car attached garage and an additional detached/oversized 2 car garage. There is plenty of room for a workshop and toy storage. The west side of the home has space for an RV garage or casita. Revel in stunning mountain views from various vantage points throughout the home...even from your own rooftop deck, providing 360 degree panoramic views. This home is a dream come true!

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10425 N 131st Street Scottsdale, AZ 85259

$1,899,000

4 Beds

3 Baths

3,470 SqFt

Status Active

MLS # 6766677

Property Type Single Family Residence

Price Type --

**MOVE IN READY** Great location walk to Basis School and the Mayo clinic across the street. Started construction on .987 acre this is a steal. This Stylish Home features an open floorplan concept with a large Great Room that adjoins the Kitchen making it perfect for Entertaining. The Gourmet Kitchen is a Chef's Dream offering Stainless Steel Appliances with a Built-In Refrigerator, a Generous Kitchen Island, White Shaker Style Cabinets with Soft Close Drawers and Doors, Granit Counter Tops, Wood-like Tile in all the main areas. Step out onto your patio and enjoy the stunning Mountain Views along with the AZ Sunrise and Sunsets to the East and West! Close to Shopping and Entertainment. Very few new build opportunities in the area. Customize this home to make it yours!

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2809 E Frye Road Phoenix, AZ 85048

$1,899,000

4 Beds

3 Baths

4,066 SqFt

Status Active

MLS # 6753443

Property Type Single Family Residence

Price Type --

Experience the epitome of modern luxury with this stunning, one-of-a-kind historical mountaintop estate in the heart of Ahwatukee. This exquisite home offers ultimate privacy with its exclusive private road entrance and a setting that truly stands out. Every inch of this 4-bedroom, 3.5-bath, 4,000+ square-foot home has been thoughtfully designed and renovated to provide unparalleled comfort and sophistication. Catch the breathtaking panoramic mountain and city views The great room's retractable glass doors flood the space with natural light, creating a seamless indoor-outdoor living experience. There is room (and plans available) for your own private pool. At the heart of the home is the gourmet kitchen, a chef's dream featuring top-of-the-line stainless steel appliances, a spacious white granite island, and a layout perfect for entertaining. The large bedrooms, including the expansive master suite, are bathed in natural light, offering serene spaces for relaxation Nestled against the Mountain Preserve on a cul-de-sac, this custom ranch-style home, was originally designed by John Kane of Achitekton, offers a unique sanctuary. Situated on just under 2 acres, this property includes a 3-car garage and the potential for additional adjoining parcels. This home is ready for its next owner to enjoy. Follow the long, scenic driveway to discover your new hilltop retreat. This rare gem awaitsdon't miss the chance to call it your own!

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2608 S Sycamore Village Drive Gold Canyon, AZ 85118

$1,899,000

3 Beds

3.5 Baths

3,999 SqFt

Status Active

MLS # 6763907

Property Type Single Family Residence

Price Type --

GORGEOUS REMODEL IN SUPERSTITION MOUNTAIN (SEE LIST OF RENOVATIONS IN THE DOCUMENT SECTION!) MOUNTAIN VIEWS! 3 bedrooms plus and office and 3 1/2 baths Large primary suite with walk-in custom closet and den area, coffee bar and refrigerator. Cozy patio off the master bedroom with fireplace. Perfect area to add a hot tub. Each bedroom has access to a patio. New granite in the kitchen and all the bathrooms. OVERSIZED THREE CAR GARAGE WITH STORAGE AND AN EV CHARGER OUTLET. 24 GUARD GATED COMMUNITY. Two Jack Nicklaus golf courses! Not a golfer? Enjoy pickle ball, tennis, bocce and many other activities.COUNTRY CLUB LIVING AT ITS BEST! 35 minutes to Sky Harbor and 20 minutes to Mesa Gateway airports. Club membership and amenities under a separate agreement. Buyer and/or buyer's agent to verify all pertinent information including square footage.

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37301 N 99th Street Scottsdale, AZ 85262

$1,899,000

4 Beds

3.5 Baths

4,304 SqFt

Status Active

MLS # 6766150

Property Type Single Family Residence

Price Type --

WOW! This amazing 4 bed, 3.5 bath residence is located in the prestigious Mirabel community in North Scottsdale. The 4th bedroom is an attached casita w/ ensuite bath, perfect for guests. It has a premium cul-de-sac lot, a beautiful facade w/stone accents, a manicured desert landscape, paver driveway & walkways, and 4-car garage w/epoxy flooring & built-in cabinets! Discover a spacious living area w/high ceiling and a fireplace to keep you warm during the coming winter months! Soft carpet in all the right places, plantation shutters, upgraded ceiling fans, LED lights, and a neutral palette throughout! The chef's Kitchen showcases tons of cabinet space w/sliding shelves, granite counters, tile backsplash, Wolf appliances including a Sub Zero Fridge, ice maker, garbage compactor, a huge walk-in pantry, and an oversized island w/a breakfast bar & a sink with hot/cold dispenser. The formal dining room highlights a stunning Ironworks door to the back entrance from the driveway, as well as an entrance from the garage. You'll love the primary bedroom, boasting a private sitting room w/elegant wood-look flooring, direct outdoor access, a lavish ensuite w/dual sinks & 2nd shower, and a walk-in closet for all your personal belongings. For added convenience, other bedrooms enjoy access to a Jack & Jill bath w/shower door. Stylish French doors open up to a cozy den w/more built-in cabinets, ideal for an office or reading nook. Don't forget about the HUGE bonus room/casita w/full bathroom & outdoor access, which can be used as a game room, home gym, or guest quarters. NEW in 2017: Paradise resort-style backyard features a covered patio w/closing sun shades & ceiling fans, extended paver seating area w/a built-in BBQ & pizza oven plus an additional gas stub, a large custom glass fireplace designed to keep the heat facing in towards the yard, heat resistant turf, a sports court, a saltwater pool w/fire pots plus a rock waterfall & slide, and a refreshing spa! Full house water filtration, central vacuum, alarm system, and leased solar panels for energy efficiency! This is the opportunity of a lifetime!! Don't let it slip away!

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12357 E Black Rock Road Scottsdale, AZ 85255

$1,899,000

4 Beds

3.5 Baths

2,810 SqFt

Status Active

MLS # 6764680

Property Type Single Family Residence

Price Type --

Opportunity knocks! If you want new construction in a premier guard gated Scottsdale community, you will not want to miss this fully furnished, single level home with no steps, built in 2022. This home is move in ready with after market upgrades, landscaping, TVs & blinds installed and included.. Quality Toll Brother's construction with desirable great room floor plan that boasts plank tile flooring, a floor to ceiling tiled gas fireplace and stackable door to the patio for easy indoor/outdoor living. The upgraded kitchen will not disappoint with floor to ceiling cabinetry, Wolf/Sub-Zero appliance package and oversized center island. The Primary suite is split from the other 3 bedrooms. The ensuite has an attached sitting room and is perfect for short of long term guests. The backyard is low maintenance with synthetic grass and a deep covered patio that works perfect for Arizona indoor/outdoor living at its finest. There is a single and 3 car garage for a total of 3 spaces. There is an electronic charger already installed in the 2 car garage. Life the life you have always dreamed of surrounded by the beauty of the McDowell Sonoran Preserve with easy access to hiking and mountain biking trails as well as a state-of-the-art clubhouse with 2 pools, fitness center, steam room, and restaurant just minutes from your front door.

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8008 E Del Plomo Drive Scottsdale, AZ 85258

$1,899,000

3 Beds

2.5 Baths

2,480 SqFt

Status Active

MLS # 6758399

Property Type Single Family Residence

Price Type --

Stunning completely remodeled luxury dream home in prime McCormick Ranch! High ceilings spacious naturally bright layout with new open kitchen, light wood floor ceiling custom cabinetry with professional designer finishes throughout. Large folding accordion patio door for entertaining, French white oak wood floors, butlers pantry, custom fixtures/lighting, doors, stainless appliances,hardware,quality finishes throughout and attention to details! Split bedroom floor plan with extra den office and private primary bedroom with gorgeous bathroom, 2 walk in closets, opens to back patio w views of gorgeous backyard/mountains. Cul de sac serene rare location-In a class all its Own! Don't miss this wonderful well crafted designer fabulous home in desirable McCormick Ranch ** See today!

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855 S Tall Timber Trail Parks, AZ 86018

$1,899,000

6 Beds

3.5 Baths

4,075 SqFt

Status Active

MLS # 6766887

Property Type Single Family Residence

Price Type --

Main home is 3,700 sq ft plus a separate Casita of 375 sq ft a total of 4,075 sq ft. Nestled on over 11 acres of pristine land surrounded by National Forrest with breathtaking views of Sitgreaves Mountain, this exceptional one-of-a-kind equestrian estate offers unparalleled privacy. Perched on a raised lot amidst towering pines, enjoy complete seclusion while being just 20 minutes from all of the amenities of Flagstaff. A short drive to popular attractions like Snowbowl, The Grand Canyon, Bearizona, Kaibab Lake, Kendrick Peak and Historic Route 66 in Williams, it's perfectly positioned for adventure. On-site, enjoy your own private sledding hill, fire pit, side-by-side track, while the property's updated barn, three corrals and round pen make it an ideal equestrian haven Step right off the property onto hiking and horse-riding trails in the national forest or explore over 300 miles of UTV trails. Fully remodeled with meticulous attention to detail, the home boasts a stunning kitchen featuring semi-custom Thomasville soft-close cabinetry, a vibrant kitchen island, 60-inch Italian Hallman gas range, GE Profile stainless steel appliances w/oversized walk-in pantry. Luxury throughout w/heated floors, high-end shutters, modern light fixtures, high-efficiency windows, smart thermostats and custom Roman shades. The inviting great room, complete with a cozy, high-efficiency fireplace, French doors and mountain views, leads to the back patio, a charming sitting room, a lavish ensuite w/natural stone flooring, jetted soaking tub w/view, and walk-in closet. Upstairs, you'll find four generously sized bedrooms, each outfitted with blinds and ceiling fans for comfort. The property continues to impress with a fully remolded barn/RV Garage/workshop w/200amp service that includes a studio apartment complete with a kitchenette & bathroom, plus a greenhouse for year-round gardening. This one-of-a-kind home combines luxury and nature, offering the ultimate retreat. Plus 14 security cameras covering the property including the interior and exterior barn/crawl space and garage! Hauled Water w/large 10,000-gallon cistern and oversized septic tank fully serviced in 2021.

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7180 E Kierland Boulevard Unit 1115 Scottsdale, AZ 85254

$1,899,000

2 Beds

2 Baths

1,686 SqFt

Status Active

MLS # 6606149

Property Type Apartment

Price Type --

Discover the pinnacle of contemporary living with spectacular and breathtaking views of the McDowell Mountains from this 11th floor penthouse. Floor to ceiling windows help showcase the incredible views. The penthouse features hardwood floors, an outdoor patio with gas stub out, motorized blinds, Bosch kitchen appliances and wine fridge. Primary bathroom features 48x24 inch slab tile and private water closet. Extra high ceilings accentuate the open floor plan with split bedrooms. The laundry room is large offering additional storage space. This penthouse comes with 2 parking spaces and an EV charger. Optima Kierland offers residents a luxurious lifestyle with unparalleled resort amenities, highlighted by the exquisite rooftop pool, along with a hot tub, cold plunge, steam and sauna, and outdoor kitchen and bar. The 1st floor gym is huge and state of the art. Indoor basketball and pickle ball courts complete the outstanding amenities at Optima Kierland Enjoy easy access to Kierland Commons, Scottsdale Quarter, and some of the city's finest restaurants and boutiques .This is more than just a home; it's a year-round vacation destination.

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18841 N 94th Way Scottsdale, AZ 85255

$1,899,000

4 Beds

3.5 Baths

2,906 SqFt

Status Active

MLS # 6768392

Property Type Single Family Residence

Price Type --

FULLY REMODELED. MOUNTAIN VIEWS. Step into this beautifully renovated mountain view home, designed by award-winning London Pierce Design in Scottsdale with meticulous detail and high-end finishes: Chef's Kitchen. Over-Sized Butler's Walk-In Pantry. Wine Room. Two Laundry Rooms, Upstairs and Downstairs. Dazzling Goblet Chandelier. Top-Of-The-Line Appliances. Frameless Soft Close Cabinetry. Bianca Fina Quartz Countertops. 60'' Ignite Linear Electric Fireplace. Downstairs Guest En-Suite. Vaulted Ceilings. Natural Lighting Throughout. Separate Guest Powder Room. See-Through Glass Railing. Floating Vanities With Under Sink Lighting. Custom Lighting In Expansive Shower. All New Windows. Wide Plank White Storm Hardwood Flooring. 16' Sliding Doors To Backyard Oasis. Ancient Stone Pavers. Built-In BBQ And Bar Top Seating. Large Sparkling Pool. Putting Green. New Exterior Paint. New Interior Paint. All New Fixtures And Hardware. All New Can Lights And Ceiling Fans. New Double Entry Front Door. Level-5 Drywall. New Sprinkler Heads. Epoxy Garage. Audio-Visual System Pre-Wired With Cat6 Ethernet. Front Door Has Network Doorbell Camera. All Designed by an award-winning firm in the Valley with exceptional detail and high-end finishes. IRONWOOD VILLAGE, highly regarded, highly sought after. Added Privacy on 3 sides. Conveniently located near fashionable restaurants and shopping as well as the 101 loop. Trane HVAC Units, Roof Underlayment replaced in 2023. Pool Filter New 2022. See Documents for a complete listing of upgrades and improvements. Warranties available. Permits by Licensed GC.

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