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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37325 N 29th Avenue Phoenix, AZ 85086

$1,599,999

6 Beds

4.5 Baths

5,097 SqFt

Status Active

MLS # 6759908

Property Type Single Family Residence

Price Type --

Stunning Custom Hillside Luxury Home with Unparalleled Privacy and Views. Experience ultimate privacy and breathtaking views in this custom, privately-gated hillside home. Nestled atop a mountain in the exclusive Desert Hills community, this spacious residence offers a seamless blend of indoor and outdoor living spaces, perfect for entertaining or enjoying tranquil solitude. The main level is the heart of this home, you'll find the updated kitchen with extensive custom cabinets, granite countertops, high-end appliances, and plenty of storage, including a huge walk-in pantry. The views are stunning from the dining room, family room and master bedroom with a luxurious ensuite and walk-in closet. Bedrooms two and three each with generous walk-in closets complete the main level with direct entry from the extra deep 3 car garage. The lower level provides 3 additional bedrooms and recreational spaces, ensuring ample room for everyone. It includes a theater room with stadium seating for 9, full gym/ exercise room, and bonus/game room, providing ample space for relaxation and recreation. Additional storage closets on both levels add to the convenience. The property has a whole house H20 Concepts water system, owned propane tank and private commercial grade gated driveway. Lighting, garage doors and commercial quality gate are all app / Wifi controlled. 2000sf graded pad to east of home ready for future projects. This home is full of custom features; windows by Pella, eight-foot solid core interior/exterior doors and ten-foot ceilings throughout, including vaulted ceilings in select areas. Over $250k has been invested in upgraded landscaping and improvements, enhancing the beauty and functionality of the 2.4-acre private hillside lot. This home is extremely well-insulated, with power bills averaging less than $300 a month, an amazing feat for a home of this size. Conveniently located between Anthem and Tramonto, east of I-17, this home offers spectacular views over Anthem, Scottsdale, and Cave Creek, extending to the Four Peaks mountain range over 50 miles away. Enjoy the added bonus of watching the Anthem 4th of July fireworks from the comfort of your patio.

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4340 E Estrella Court Gilbert, AZ 85296

$1,599,999

5 Beds

4.5 Baths

3,542 SqFt

Status Active Under Contract

MLS # 6726476

Property Type Single Family Residence

Price Type --

Welcome home! Located in a prime cul-de-sac with custom-built homes, this property is just minutes away from the highly anticipated Cannon Beach water park, with quick access to the 202, dining, and shopping. Completely remodeled in 2024, all you have to do is unpack and enjoy! As you step through the front door, you're greeted by the beautiful blue waters of your heated and cooled diving pool, finished with new Pebble Tech and three waterfalls. Wade onto the Baja Ledge and cool off, knowing your pool is freshly maintained and ready to offer complete serenity. The outdoor kitchen is a perfect spot to entertain, featuring a built-in BBQ and flat top grill.... ''click on more'' for more info. Enjoy a game of pickle ball or hoops on your sport court, and as the evening temperatures drop, gather around the propane fire pit to take in the sunsets. The low-maintenance landscape lets you focus on friends and family instead of yard work. Spanning over 3,500 sq. ft., this split-bedroom floor plan includes 5 bedrooms (one of which is a junior suite), 2 full bathrooms, two 3/4 baths, and a 1/2 bath, offering ample room for everyone. The kitchen boasts plenty of storage, including a walk-in pantry, a 36 natural gas stove, an oversized built-in refrigerator, and a separate beverage fridge. The generous-sized island is perfect for gathering around the heart of the home. The flex space provides the ideal area to play pool, watch the big game, or snuggle in for movie night. Additional features include built-in Wi-Fi speakers, an RV gate, extra parking, spray foam insulation, and a 40-year roof that has just been serviced and certified. This home has too many extras to list!

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332 W Malibu Drive Chandler, AZ 85248

$1,599,999

5 Beds

4.5 Baths

5,335 SqFt

Status Active

MLS # 6749752

Property Type Single Family Residence

Price Type --

PRICE ADJUSTMENT! A FULTON RANCH DREAM COME TRUE..... THIS STUNNING AGEAN COVE HOME HAS EVERYTHING YOU COULD EVER WANT & MORE! FROM THE GATED ENTRYWAY, FABULOUS CASITA, 4 CAR SPLIT GARAGE, AS WELL AS THE PRIVATE COURTYARD W/FIREPLACE & LOTS OF SEATING AREA, YOU ARE GOING TO BE HOOKED! CUSTOM IRON DOOR OPENS INTO A GRAND FOYER FEATURING A WINDING STAIRCASE ONLY SEEN IN THE MOVIES, CUSTOM STONE FLOORING, HUGE LIVING & DINING ROOMS (CURRENTLY SET AS A PERFECT GAME ROOM), LARGE OFFICE, AS WELL AS A HUGE OWNERS SUITE ON MAIN FLOOR W/SPACIOUS ENSUITE THAT INCLUDES 2 OWNERS CLOSETS, JETTED TUB, & SEPARATE SINK AREAS. TAKE A WALK INTO THE CHEF'S KITCHEN THAT OFFERS A GAS STOVE, 3 OVENS, WARMING DRAWER, MICROWAVE, OVERSIZED ISLAND W/WINE REFRIGERATOR. CHECK OUT THE BUTLERS SERVICE STATION EQUIPPED W/REFRIGERATOR AS WELL AS THE WALK-IN PANTRY. THIS HOME OFFERS YOU 2 LAUNDRY ROOMS (1 UP AND 1 DOWN). UPSTAIRS YOU WILL FIND A TRUE CINEMA EXPERIENCE W/STADIUM STYLE RECLINERS, & FULL MOVIE SCREEN, ALL UNDER A MESMERIZING CEILING OF SHOOTING STARS. 1 SET OF THE BEDROOMS UPSTAIRS OFFERS A JACK & JILL BATH; 1 OFFERS A PRIVATE ENSUITE, AND THE OTHER ONE OFFERS A SIZE FULL BATH! ALL BEDROOMS HAVE SPACIOUS CLOSETS! AFTER YOU HAVE BEEN WOWED BY THE INSIDE OF THIS HOME --- STEP OUT INTO THIS RESORT STYLE BACKYARD! THIS ONE OF A KIND CUSTOM HEATED POOL INCLUDES NUMEROUS WATERFALLS & FIRE FEATURES ENCOMPASSING JETTED GROTTOS WITH CHANGEABLE LIGHTING, SLIDES, AND A RAISED SPA. ADDITIONAL FOUNTAINS ALONG THE DECK MAKE THIS EXPERIENCE UNMATCHED! PUTT ON THE GREENS, SIT AT THE BUILT-IN BBQ & ENJOY A DRINK WHILE WATCHING ALL OF THE FUN IN THE POOL! -- NEEDING SOME SHADE --- THE REMOTE SHADES HAVE YOU COVERED! THIS GEM OF A HOME AND YARD WILL AMAZE YOU! CALL FOR YOUR PRIVATE SHOWING TODAY!

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12681 E Casitas Del Rio Drive Scottsdale, AZ 85255

$1,599,995

3 Beds

3.5 Baths

2,451 SqFt

Status Active

MLS # 6785125

Property Type Townhouse

Price Type --

NEW CONSTRUCTION - ESTIMATED COMPLETION JUNE 2025. Modern Desert Contemporary style architecture. This 3 bedroom 3.5 bath with study offers ample space for entertaining. The Palmer is situated on a desirable corner lot with unique exteriors. Delight in the details of an inviting foyer that flows into an expansive great room and dining space leading to a wrap-around, covered patio offering beautiful sunsets and mountain views. The well-designed kitchen is equipped with a large center island and breakfast bar with abundant counter and cabinet space. The beautiful primary bedroom suite is enhanced by a large walk-in closet, deluxe primary bath with dual sink vanity, large soaking tub, glass-enclosed shower and private water closet. Photos are representative and actual product will differ.

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18114 E Parker Creek Road Rio Verde, AZ 85263

$1,599,900

3 Beds

3.5 Baths

3,004 SqFt

Status Active

MLS # 6736596

Property Type Single Family Residence

Price Type --

Huge Price Reduction and Unbelievable Value for a Quick Sale! This stunning home, crafted with love and attention to every detail, was meant to be the seller's dream home. However, life is now calling them in a different direction, and those changes have created a remarkable opportunity for you! Now, with a significant price reduction, this home is an exceptional value that won't last long. The sellers are motivated to make a quick sale and are even offering additional buyer incentives to sweeten the deal! Discover the best kept secret in the Scottsdale area in the beautiful Trilogy at Verde River community. If you've been dreaming of luxury without the wait of a new build, this immaculate, practically brand-new home is ready for you! The highly sought-after Orion floor plan features 3 spacious bedrooms, 3.5 bathrooms, a home office, and a separate den, all designed with no expense spared and countless builder upgrades. The gourmet chef's kitchen features top-of-the-line GE Monogram stainless-steel appliances, gorgeous granite countertops, custom cabinetry, and a large island perfect for entertaining. The open-concept great room, with its soaring ceilings and multi-panel sliding doors, seamlessly connects indoor and outdoor living. Step outside to your very own private oasis and take in stunning mountain views, warm up by the custom fireplace, or cool off in the sparkling blue pool. Whatever the season throws at you, you'll be ready! Located in a vibrant and active community, you'll enjoy resort-style amenities including a world-class golf course, a luxurious over the top pool area, and panoramic mountain views in every direction. As good as the pictures look, it's a special place you have to experience in person to truly appreciate. Dine in style at the Needle Rock Kitchen and Tap or unwind at Eddie's Poolside Bar. With endless activities like bocce ball, pickleball, tennis, hiking, and mountain biking right at your fingertips, you'll experience the very best of Arizona living. This is your chance to own a beautiful luxury home at an unbeatable price. Don't miss out, seize this incredible value and start living the good life today!

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12411 E Troon Vista Drive Scottsdale, AZ 85255

$1,599,900

4 Beds

4 Baths

2,722 SqFt

Status Active

MLS # 6652528

Property Type Townhouse

Price Type --

Brand new in Sereno Canyon, North Scottsdale! This stunning residence offers breathtaking views and nature trails, featuring an open contemporary design with approximately 2722 sq. ft. of luxury. The kitchen is a culinary masterpiece with a large island, Sub-Zero fridge, Wolf range & double oven. Enjoy the living area with a 60'' linear fireplace and 12' ceilings, creating a bright and inviting space. Three bedrooms, each en-suite, provide comfort. A separate casita with a 4th bedroom and full bath ensures flexibility for guests. Guard-gated community surrounded by McDowell & Troon Mountains, offering peace of mind and exclusivity. Minutes away from North Troon Golf Club, Pinnacle Peak Park, and more. Ideal The fabulous community clubhouse and pool, now open and within walking distance, provide a perfect retreat for relaxation and socializing. Open contemporary design HOA maintains front yard landscape, roof replacement, exterior Maint. of Unit. Excellent lock and leave.

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104 W Night Glow Drive Phoenix, AZ 85085

$1,599,900

5 Beds

4.5 Baths

4,454 SqFt

Status Active

MLS # 6698967

Property Type Single Family Residence

Price Type --

Super amazing over the top acre plus custom home with really spectacular views south of carefree highway. This home has it all, including attached RV garage, movie theater ,8 foot knotty alder doors through out, tumble chiseled travertine and all the finishes you would come to expect for a hillside compound with this location , Adjacent to the Phoenix Sonoran Preserve so lots of biking and hiking trails for miles right off of your property. The most impressive part about this property is the location, perched at the top of the hill south of carefree highway boasting some of the best views the north valley has to offer. Amazing brand new pool and spa just built, including salt water, fire pots and multiple water features. Buyer to verify all information. Just reduced 100kon 09/09/2024

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19717 E Country Meadows Drive Queen Creek, AZ 85142

$1,599,000

6 Beds

3.5 Baths

4,000 SqFt

Status Active

MLS # 6763246

Property Type Single Family Residence

Price Type --

Wow! Imagine yourself living in this nearly an acre semi-custom, exquisite Tuscan-style HORSE PROPERTY Community with Bridle path access and Equestrian trails. True 6 bedroom home w/ample storage consisting of walk-in closets in every room including the coat closet, plus large linen closets. No corners were cut building this amazing home with so many extra features. You will find richly appointed details throughout including extensive travertine stone, plush carpet, columns, coffered ceilings, recessed lighting and ceiling details w/night lights at every end of the walkway and main rooms. Whole house water filtration system. Gourmet kitchen W/STAINLESS STEEL high-end appliances, 36'' Bertazzoni 5 burner GAS stove, plus a built-in convection microwave & electric wall oven, butler's pantry. GRANITE Counter tops, Custom 40 Alder wood, staggered cabinets/doors & trim/decorative 6 baseboards throughout. Large kitchen nook w/bay windows. Stunning formal dining room. Large family room with an open floor plan & gas-log fireplace for entertaining your guests with lots of natural light and mountain views from the huge covered porch, Jack-n-Jill bathroom, Nest thermostats, ADT security cameras to name a few. There's even a coffee/beverage bar. Home office plus a large bonus/game room. Spacious primary suite which features a 2-way gas fireplace, jetted tub in the bathroom. Oversized 4 car extended height/length garage & dual paver driveways. A huge backyard lined with mature trees and recently planted grass. Will have winter lawn overseeded in October. Two horse pens or Cabanas, just add a pool if desired. RV gate and parking galore. Bring the toys. Two-100 gal owned propane tanks. Potential for a mother-in-law suite w/the ability to add an exit door. 60 amp/240 circuit in garage for any EV charging. House roofing(2022) patio roofing(2023)with 10 year warranty and pigeon proof. East A/C Unit replaced in 2024. West A/C unit replaced in 2023. **Assumable loan with qualifying. 3% interest rate. $2,799.45 monthly payment. $607,000 left on loan. Need to be a member of Navy Federal Credit Union.**

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7705 E Doubletree Ranch Road Unit 38 Scottsdale, AZ 85258

$1,599,000

3 Beds

2.5 Baths

2,645 SqFt

Status Active Under Contract

MLS # 6752909

Property Type Single Family Residence

Price Type --

Welcome to the Gainey Ranch Experience! Stunning home in the gated golf course community of Arroyo Vista at Gainey Ranch! Highly desirable split floor plan with two master suites + an office/3rd bedroom. Lovely private updated courtyard. Chef's kitchen is light & bright with newer cabinets and soft close drawers, upgraded quartz countertops and stainless steel subway tile backsplash. Cozy fireplace in the living/dining room. Both full baths feature brushed nickel fixtures, quartz countertops, white shaker cabinets, large soaking tubs, and tiled walk-in showers with frameless glass doors. The new backyard landscaping makes this oasis complete with a private pool & a detached in-ground spa right off the primary bedroom patio. Gainey Ranch Estates Club offers a resort lifestyle with private pool and spa, 6 tennis courts, 4 pickleball courts, fitness workout gym, exercise room. Plus Hyatt Regency Scottsdale Resort & Spa At Gainey Ranch. Close to first class Gainey Ranch shopping and fine restaurants, Sprouts market, golf amenities, easy lock and leave. Optional membership to Gainey Ranch Golf Club.

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34599 N 99th Way Scottsdale, AZ 85262

$1,599,000

3 Beds

3.5 Baths

2,840 SqFt

Status Active

MLS # 6776663

Property Type Single Family Residence

Price Type --

This stunningly remodeled Avron Star Chaser model with a casita is located in the gated section of the golf course community of Legend Trail, set on a remarkable lot that backs the preserve. Featuring 2 bedrooms plus a den/office and 2.5 baths in the main home, plus an additional bedroom and bath in the casita, this property offers ample space for family and guests. The primary bedroom boasts a huge shower and a stand-alone tub, along with a large walk-in closet. The great room floor plan showcases a beautiful fireplace and a gourmet kitchen equipped with Wolf/Subzero appliances. Enjoy the privacy of a gated courtyard and relax in the backyard oasis, which includes a pool, spa, BBQ area, and firepit—all with the assurance that nothing can be built behind, thanks to the rare preserve lot. Breathtaking views of the surrounding desert and mountains! Living in this community offers access to some of the best mountain biking, hiking, and running trails in the area, thanks to the adjacent preserve land. Legend Trail also boasts one of the finest public golf courses nearby. The HOA fee includes access to numerous amenities, such as two heated pools, a hot tub, pickleball and tennis courts, various workout rooms, and a host of community activities. This home combines luxury living with a vibrant and active community, all set against the stunning backdrop of Arizona's desert landscape.

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3498 N Morningside Road Apache Junction, AZ 85119

New

$1,599,000

4 Beds

4.5 Baths

2,828 SqFt

Status Active

MLS # 6786444

Property Type Single Family Residence

Price Type --

Check out this 4 bed, 4.5 bath residence now on the market! Nestled on an oversized 1 acre lot w/mountain views & featuring a natural desert landscape, 3 car garage, and paver driveway. Discover a spacious dining & living area w/elegant wood-look flooring, high ceilings w/exposed wood beams, a beehive fireplace, and an entertainment niche. The fabulous kitchen is comprised of wood cabinetry w/granite counters, a pantry, SS appliances, and an island w/a breakfast bar. You'll love the primary bedroom, showcasing plantation shutters, outdoor access, a walk-in closet, and a lavish ensuite w/dual sinks. Guest quarters also boast their own kitchen! Lastly, the wonderful backyard includes a large covered patio w/a built-in BBQ, rooftop deck, and a pool/spa combo w/a rock waterfall! Act NOW!

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1300 E Coyote Pass -- Carefree, AZ 85377

$1,599,000

4 Beds

3 Baths

3,167 SqFt

Status Active

MLS # 6757062

Property Type Single Family Residence

Price Type --

Open with Gourmet Kitchen, extensive upgrades and no steps! Enter to gorgeous wood planked ceiling, wooden beams, granite counters, large island, Bosch stainless appliances, gas cooktop. Great Room features stacked stone gas fireplace, wet bar, wine chiller & VIEWS. 2 New 18 SEER Trane A/Cs, Silicone Roof foam coated 5 yrs ago w/recent re-seal,all new skylights; New Water Softener, 2 water heaters, Re-circ pump. New plumbing fixtures, screens, satin nickel door hardware, outlets, switches, dimmers. 2.5 car garage w/cabs, new panel w/240V outlet for Golf Cart outlet/EV. New Pavers at entry & 3 large courtyards. Bfast patio & primary bedroom have direct Mountain view. 2 primary suites. White Shutters. 2 community pools & heated spas nearby. $43,000 high end recent Furnishings included

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