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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8002 E Via Del Sol Drive Scottsdale, AZ 85255

$1,300,000

3 Beds

2 Baths

2,733 SqFt

Status Active

MLS # 6781969

Property Type Single Family Residence

Price Type --

Nestled on a serene and ultra-private 1+ acre lot, this meticulously maintained home offers a perfect blend of tranquility and space. Located in the sought-after gated community of Pinnacle Peak Estates 2, these homes rarely come on the market, especially with its coveted cul-de-sac location. Boasting 3 bedrooms plus an office with a closet, this residence features a cozy family room that seamlessly connects to a bright, airy kitchen, thanks to numerous windows that invite natural light. Enjoy the warmth of two fireplaces—one in the family room and another in the primary bedroom—along with charming plantation shutters and ceiling fans throughout. With some updating and your imagination, this home can transform into your dream sanctuary. There's ample room to expand, making it perfect for personalizing your space. No current NAOS to preserve, If expanding, just need to allocate 25% to NAOS as required by current Scottsdale standards. Step outside to discover a tranquil backyard featuring a soothing water fountain, creating a zen-like atmosphere ideal for relaxation. The stunning fenced Pebble Tec pool, complete with a pop-up cleaning system, invites you to unwind and enjoy the serene surroundings. The expansive covered patio, equipped with a BBQ, is an ideal setting for entertaining guests or savoring quiet mornings while soaking in breathtaking views of the surrounding desert landscape or the McDowell Mountains from the front of the home. Additional highlights include a newer hot water heater, outdoor security cameras, and a low HOA fee of just $450 annually. Arrive via the circular driveway and feel the peace and uniqueness of this architectural treasure. Don't miss your chance to own this beautiful home in a quiet, peaceful location your dream home awaits!

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16076 E Ridgestone Drive Fountain Hills, AZ 85268

$1,300,000

3 Beds

3.5 Baths

1,915 SqFt

Status Active

MLS # 6771065

Property Type Single Family Residence

Price Type --

Nestled within the guard gated community of FireRock Country Club, this step-free single level home is a true gem. Enjoy one of the rarest models that features its own casita and emerald views of the 10th hole. Built in 2019, this thoughtful home is sure to please with modern amenities and designer finishes. Step inside the stately foyer and instantly notice soaring ceilings and walls of glass. Open to the living and dining room, the Chef's kitchen is a delight with upgraded extended height cabinetry, 6 burner + griddle wolf stove, dual wall ovens, massive island with breakfast bar, and smart ''hidden'' walk-in pantry. Compelling rejuvenation, the master is a true retreat with its own 2 way fireplace, over-height windows, massive walk-in shower, dual raised vanities, private water closet, custom walk-in closet. A secondary full en-suite bedroom PLUS a full en-suite casita make this a perfect layout for loved ones or guests. Just off the entry, a convenient workspace, flex-storage space, and oversized laundry that can be used as a miniature office are sure to please. Step out to your backyard Sonoran Sanctuary and enjoy any season with a fantastic covered patio with ceiling heating, fireplace, built-in BBQ grill, stainless mini-fridge, incredible travertine bar, and a separate open air deck for basking in the sunshine and Golf Course views. Hidden features of this home include wood plank tile, low maintenance landscaping, fire suppression systems, plenty of storage, tankless gas water heater, and more!

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4330 S Neutron -- Mesa, AZ 85212

$1,300,000

3 Beds

2.5 Baths

3,392 SqFt

Status Active

MLS # 6730383

Property Type Single Family Residence

Price Type --

Highly upgraded and decked out designer Eastmark single-level home for sale (3-5 bedrooms) with three bedrooms plus an office, flex room, and a sparkling pool with heater AND CHILLER. The chef's kitchen, complete with ceiling heigh illuminated cabinets, quartz counters, stainless steel appliances, alongside a butler's pantry with wine fridge. Master bedroom with a separate entrance goes in and out of the pool area plus the master bathroom has a vanity. The backyard oasis has both patio and pergola, built-in BBQ, and a nice baja step in the pool to relax on. Perfect for entertaining. Plus, the flex room with double rench doors leading to an outdoor yoga/meditation and water area. Imagine high-end finishes and touches built into a home where their sudden need to move is your HUGE gain! FYI - you can enclose the space between the 2nd and 3rd bedrooms to add a 4th bedroom and closet if you would like a 4th bedroom.

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1011 Dusty Lane Show Low, AZ 85901

$1,300,000

3 Beds

2.5 Baths

3,422 SqFt

Status Active

MLS # 6658000

Property Type Single Family Residence

Price Type --

This gorgeous 2 story home, with over 3,000 Sq ft sits on just over 6 acres. With 3 bedrooms, 2.5 bathrooms, plus a large bonus room, this home has all the space you need. Attached is a 3-car garage, with a workshop. Included on the 6 acres is a storage building, playground, orchard and extra-large metal shop, complete with 2 garage doors, and a wood stove. Mature trees, owned solar panels, brand new quartz counter tops, a new pellet stove, custom master bathroom, lawns on sprinkler systems, and a private well are just a few more things this amazing property has to offer! Listing agent is directly related to sellers.

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35203 W Indian School Road Tonopah, AZ 85354

$1,300,000

3 Beds

2 Baths

2,520 SqFt

Status Active

MLS # 6742738

Property Type Single Family Residence

Price Type --

Lot 2 and 5 is a total of 11.40 level acres of land being split from 504-10-003-B with a 3 bedrooms and 2 bathroom home, private well and room to expand! There is a large enclosed hall that can be used for gatherings, storage and more. The covered storage area offers its own possibilities for an income producing venue with the start of 9 individual rooms and three bathrooms along with one large central space that could be a centralized kitchen or living space. Private well and three separate septic tanks make the possibilities of this property endless! Near the future Belmont Master Planned Community and soon to break ground Desert Studios. 20 min to Buckeye Equestrian Center, 35 min to Wickenburg, Stone's throw from Teravalis, Desert Whisper, Tartesso etc. Easy access to Interstate I-10, MC-85, Loop 202 & 303. Close to the proposed I-11 freeway, connecting Arizona, Nevada & California. Early-stage planning efforts for I-11 to become a trade route connecting Canada & Mexico. Providing Arizona with access to regional & international markets, jobs & economic growth. Possible seller carry back with large down payment. You won't want to miss out on this property and all that it offers!

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376 N Iron Horse Drive Coolidge, AZ 85128

$1,300,000

6 Beds

4.5 Baths

3,121 SqFt

Status Active

MLS # 6751108

Property Type Single Family Residence

Price Type --

TWO PARCELS are included in the sale for a total of 5 acres! Stunning 5 bd/4 bath rustic home situated on a 2.5 acre lot featuring resort style pool and a 1 bd Casita with kitchen. Formal dining room, gourmet chef's kitchen, custom cabinetry, broken edge granite counters, center island, breakfast bar, pantry, SS appliances, & French doors to the patio. Generous size bedrooms, ample closets & upscale travertine baths. Oversized doors, 12' ceilings, travertine floors, grid ceiling in the den, hand hewn beams throughout. The primary bedroom offers patio access, plush carpet, & private en suite w/dual sinks. House includes 8 insulated garage spaces. Enjoy the backyard covered patio, lush green grass, outdoor kitchen & exquisite pool. NEW BUILT HORSE STALLS! Horse shades, 24X40 hay barn, 2000 sq ft non-climbable horse fence. Surrounded by fantastic mountain views!

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3218 S Jackrabbit Trail Buckeye, AZ 85326

$1,300,000

4 Beds

2 Baths

2,136 SqFt

Status Active

MLS # 6767926

Property Type Single Family Residence

Price Type --

**HUGE $200,000 PRICE REDUCTION**. YOU WILL LOVE THIS AMAZING HORSE PROPERTY. THIS PROPERTY WAS DESIGNED WITH A TEAM ROPER IN MIND. FOR THOSE WARM SUMMER NIGHS THERE IS A LIGHTED ROPING ARENA WITH SAND AND LED LIGHTS. PLENTY OF ROOM FOR ALL YOUR TOYS WITH A LARGE 40'x45' GARAGE/WORKSHOP. ON THE SIDE OF THE SHOP THERE IS A COVERED RV SPOT OR IT CAN BE USED FOR A HAY BARN. RECENTLY NEW CARPET WAS INSTALLED, THE INTERIOR/EXTERIOR PAINTED, AND BATHROOM SHOWERS UPDATED WITH TILE AND NEW GLASS DOORS. THE ENTIRE PROPERTY IS FENCED WITH ALMOST 3 ACRES OF PASTURE. SELLERS JUST HAD THE INTERIOR PROFESSIONALLY CLEANED SO IT'S MOVE IN READY. THE RANGE/OVEN AND DISHWASHER WILL BE REPLACED WITH STAINLESS STEEL APPLIANCES TO MATCH THE MICRO AND FRIDGE BEFORE COE.

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8757 E Lariat Lane Scottsdale, AZ 85255

$1,300,000

3 Beds

3 Baths

2,888 SqFt

Status Active

MLS # 6776524

Property Type Single Family Residence

Price Type --

Introducing an Exquisite Professionally Designed Home in North Scottsdale! Nestled in the coveted 85255 zip code, this stunning, fully remodeled residence is situated on an expansive acre-sized lot, showcasing beautiful desert landscaping and mature shade trees. The spacious, epoxied three-car garage and extended driveway offer ample parking for guests. Step inside to discover a generous living area highlighted by high ceilings and large windows that flood the space with natural light, offering breathtaking panoramic mountain views. You'll fall in love with the waterproof LVP flooring, a cozy wood-burning fireplace with a custom-designed mantle, freshly painted walls, and elegant light fixtures throughout. The chef's kitchen is a culinary delight, featuring brand new upgraded cabinetry, a professional-grade Bertazzoni induction range, Mykonos quartzite countertops, an apron front sink, and a charming breakfast nook. The gorgeous custom glazed cabinets come with all with soft close doors and drawers, lots of storage, and elegant crown molding. This inviting space is perfect for gathering, cooking, and entertaining. Retreat to the large master bedroom, accessed through double French doors, complete with a vaulted ceiling, designer accent wall, and a private balcony that showcases spectacular mountain and city light views. The luxurious master bath boasts a freestanding clawfoot tub, a spacious walk-in shower with body sprays, a tremendous LED vanity mirror, stylish lighting accents, and ample vanity space adorned with spectacular real marble countertops. This magnificent, move-in ready home offers the perfect blend of luxury and comfort in a superb location. Don't miss the opportunity to make it yours!

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7538 E Larkspur Drive Scottsdale, AZ 85260

$1,300,000

4 Beds

2.5 Baths

2,726 SqFt

Status Active Under Contract

MLS # 6728734

Property Type Single Family Residence

Price Type --

Nestled in Scottsdale, this fully remodeled four-bedroom, 2.5-bath home epitomizes turnkey elegance. Bright interiors complement modern upgrades, offering a seamless blend of style and comfort. Minutes away from Kierland Commons, The Quarter, top-rated schools, golf courses, and restaurants; convenience meets luxury. The resort-style backyard beckons with a putting green and sparkling pool, ideal for relaxation and entertainment.

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3807 E Amberwood Drive Phoenix, AZ 85048

$1,300,000

4 Beds

3 Baths

2,563 SqFt

Status Active Under Contract

MLS # 6730016

Property Type Single Family Residence

Price Type --

Rare opportunity to own a fully remodeled single level home on the water in Lakewood Estates with a three car garage. Relocation makes this amazing home available. Split 4 bedroom plus office and three full baths. Specatular sunsets on this electric boating lake, catch and release fishing, walking paths through the greenbelt, childrens parks and close to the airport and great restuarants! Newer window, newer HVAC, all newer appliances, fixtures and lighting, newer gargae cabintry and outdoor ramada! Mature fruit trees and beatiful boat dock make this the perfect setting for entertaining in the semi custom home on the fresh water lake in Lakewood East Lake Estates.

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2620 W Wolftrap Road New River, AZ 85087

$1,300,000

4 Beds

3.5 Baths

3,728 SqFt

Status Active

MLS # 6752662

Property Type Single Family Residence

Price Type --

Perched on a 1-acre lot with no HOA, this impeccable home was newly built in 2021. Over $300k in upgrades have been added! Offers the perfect blend of modern luxury and rural serenity. Located in one of New River's most picturesque neighborhoods with well-paved streets, this spacious 4-bedroom, 3.5-bath residence showcases breathtaking mountain vistas and expansive desert views—ideal for those seeking peaceful, wide-open spaces outside of the city yet just 10 minutes from shopping and dining conveniences. As you step inside, you'll immediately appreciate the meticulous attention to detail. The open layout is designed to maximize the panoramic views from every room, enhanced by custom wall treatments and elegant finishes throughout. The main level is thoughtfully designed for single-level living with a welcoming great room with fireplace, an open kitchen with large island, and the luxurious primary suite. This private retreat features a spa-like bath with a freestanding tub, dual vanities, and a generous walk-in closet with direct access to the laundry room, offering ultimate convenience. Also on the main level is an Air Conditioned 4-car Garage, fully equipped with custom cabinetry and an electric vehicle charging outlet. Downstairs is home to a second living room, three additional split bedrooms, two full baths, and an open bonus room providing flexibility for multi-generational living, large families, or long-term guests, with direct access to the large patio and beautifully landscaped backyard. Whether you're entertaining on the covered patio, enjoying a glass of wine on the balcony, or simply taking in the star-filled night sky, this home is perfect for those who value quality, tranquility, and a lifestyle surrounded by wide open spaces. See list of Features & Upgrades in Documents tab. Only 4 minutes to the I-17 and 8 minutes to Great Hearts Anthem K-12. Don't miss the opportunity to make this exceptional property your own!

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18233 W Palo Verde Court Litchfield Park, AZ 85340

$1,300,000

4 Beds

5.5 Baths

3,733 SqFt

Status Active

MLS # 6699525

Property Type Single Family Residence

Price Type --

Welcome to your Desert Oasis! At the base of White Tank Mountains sits this premier home combining modern elegance with the highest standards of sophisticated living. Built with upgrades that represent the superior elements in today's trends. This 3700+ square foot cul -de-sac home is nestled over a 22,000 sq ft lot and crafted with the utmost attention to detail, this home showcases superior workmanship and timeless design elements throughout. The open-concept layout seamlessly connects the gourmet kitchen, dining area, and living room, creating a central center for everyday living. The chef's kitchen incorporates the kitchen island with seating for 8, stainless steel appliances, built-in microwave and wall oven, gas range, pantry and separate built-in wine fridge. The exquisite granite stone countertops complement this culinary masterpiece. This home offers vaulted ceilings, large glass slider door that invite abundant natural light and offers a panoramic view of the backyard, vaulted ceilings, and dramatic fireplace wall accents that flow harmoniously throughout the main living areas. This is a split floor plan with 3 bedrooms, 1 office, tv room and attached casita (or 4th bedroom)with its living area and bathroom. Relax in the master suite, spa-like bathroom and generous walk-in closet, dual sink vanities, oversized shower, freestanding bathtub that exudes resort ambiance. Step outside to your own private oasis where the sparkling pool and spa await you. The perfectly manicured low maintenance landscape surrounds the outdoor living spaces and creates a serene ambiance for entertainment and relaxation. Entertainers dream; custom pool and spa with expanded pool deck, covered patio, ramada with built-in BBQ, sink, wine fridge, fireplace, TV outlet, putting green and inground trampoline. The paver driveway leads you to the custom wrought iron gates directing you to the 6-car garage and boat parking. Don't miss the opportunity to own this elegant and modern real estate with all the amenities you could ever desire, this is not a home, it's a lifestyle.

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