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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11060 E Mark Lane Scottsdale, AZ 85262

Open House

$999,000

3 Beds

2.5 Baths

2,110 SqFt

Status Active

MLS # 6762244

Property Type Single Family Residence

Price Type --

Welcome to this tastefully remodeled single-story home in the prestigious Troon North community. Over $100,000 in upgrades have transformed this residence into an elegant retreat. With ideal north-south exposure, the home is filled with natural light, creating a bright and airy feel throughout. The spacious primary bedroom offers comfort and privacy, while the second ensuite and third bedroom provide flexible living options. Both the ensuite and the third bedroom open directly to the serene courtyard, offering easy access to the outdoors. The backyard boasts a spool with a cascading water feature, surrounded by an updated landscape for added tranquility. Inside, the attention to detail is evident with an updated kitchen, modernized bathrooms, fresh carpet and new baseboards throughout, making this home move-in ready. Situated in the heart of Troon North, this property is a dream for outdoor enthusiasts. World-renowned hiking and biking trails, including Pinnacle Peak, Browns Ranch, and Tom's Thumb, are just minutes away. For golf lovers, the iconic Troon North Golf Course is right around the corner. Additionally, you'll be close to the Four Seasons Resort, along with excellent dining and shopping options, offering both luxury and convenience. This home truly has it all luxury, location, and lifestyle. It's a must-see to fully appreciate its beauty!

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4045 E Earll Drive Phoenix, AZ 85018

Open House

$999,000

4 Beds

2 Baths

2,155 SqFt

Status Active

MLS # 6768773

Property Type Single Family Residence

Price Type --

WOW!! here we go! amazing buy in high demand area of Arcadia Osborn district. This special home was just fully updated in 2024 and has not been lived in since. Immaculate and ready to move in immediately. Very open floor plan with flex space living for private office or additional split bedroom. Gourmet kitchen with massive island bar with waterfall quartz countertops that you typically see in multi-million $ homes. Warning! your friends and family will want to come out and visit. Great entertaining yard with private play pool, turf yard and covered ramada. This was actually approved for a guest suite by the city and we have the contractor to finish it off as a ADU, casita or cute bungalow for some extra sq. footage. Huge laundry room with dog wash station. Custom pantry/ wine room too!!

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15860 N 61st Street Scottsdale, AZ 85254

Open House

$999,000

4 Beds

2 Baths

2,442 SqFt

Status Active

MLS # 6753364

Property Type Single Family Residence

Price Type --

Fabulous Ranch Style Home on Oversized Lot in North Ranch Community with Neighborhood Parks, Local A+++ Schools! Location! No HOA! This Home has Many Exquisite Upgrades Including Anderson Windows, Trane Air Conditioner ('21), Roof('23) & Solar (Owned) and Exterior was Painted with Durable Shield Paint That is Warrantied for 30 Years. Living Room has an Entertainer's Buffet with Wine Fridge! Enjoy a Resort Level Backyard with Play Area/Real Lawn, Pool, Seating Areas & Synthetic Lawn too. Spacious Kitchen with Large Island is Open to Family Room & Views to Backyard. Formal Dining is Set Up As Exercise Retreat! 3 Bedrooms are Spacious! Are you ready to Relax and Enjoy Your Resort Like Home?

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25803 N 8th Avenue Phoenix, AZ 85085

$998,900

4 Beds

3 Baths

3,030 SqFt

Status Active

MLS # 6654964

Property Type Single Family Residence

Price Type --

Price drop!!!! Motivated Seller offering 2% concessions with full price offer.This Exquisite Phoenix Home with Masterful Upgrades and Horse Property Potential!Welcome to this remarkable 4-bedroom, 3-bathroom home nestled on a sprawling 1-acre lot with endless possibilities. As you step inside, you'll be greeted by the impressive upgrades that make this property stand out.Stunning Master: The master bathroom has been thoughtfully remodeled, featuring a stunning and spacious shower that exudes luxury and modernity.Instant Hot Water: Enjoy the convenience of a tankless hot water heater with a recirculating pump, ensuring you have instant hot water at your fingertips, saving you time and energy. Fresh HVAC Unit: April 2023, a brand-new east wing A/C-Heat pump unit was installed. Outdoor Oasis: The property boasts professionally landscaped grounds with pavers and an irrigation system utilizing PVC for durability. You'll appreciate the hands-free fertilizing system and strategically placed lighting that enhances the property's beauty both day and night. No HOA: Embrace the freedom of no HOA restrictions, allowing you to tailor this property to your heart's desire. Generous Space: With 4 bedrooms and 3 bathrooms, there's room for everyone to enjoy their own space and privacy and don't forget the 10 foot ceilings and solid core doors. Horse Enthusiast's Dream: If you've ever dreamed of having horses or simply desire ample outdoor space, this property is your canvas to create your equestrian paradise. 4-Car Garage: Car enthusiasts and hobbyists will adore the oversized 4-car garage, providing ample space for all your vehicles and projects. Gourmet Kitchen: The oversized kitchen is a chef's delight, offering plenty of room for culinary creations and entertaining. This exceptional property offers a rare combination of modern comforts, outdoor potential, and a prime location in Phoenix. Don't miss this unique opportunity to make it your own.

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9105 N 105th Place Scottsdale, AZ 85258

$998,500

4 Beds

2 Baths

2,363 SqFt

Status Active

MLS # 6779864

Property Type Single Family Residence

Price Type --

Welcome to this charming single-family home in the desirable Scottsdale Ranch neighborhood. Built by Richmond American Homes, this spacious 2,046 square foot residence features four bedrooms and two bathrooms, offering plenty of room for comfort and relaxation. The property has been well-maintained and recently updated with a beautifully landscaped front yard and patio, adding an enhanced curb appeal. Inside, the home boasts a comfortable layout with bright, open living spaces perfect for family gatherings or entertaining. Stay cool during the warmer months with a newer AC system (8/2023), providing efficiency and peace of mind. Plenty of outdoor extensive lot coverage including a private pool awaits in the secluded backyard, making it ideal for enjoying Scottsdale's sunny climate. Enough open area lot coverage to add a putting green, vegetable garden or whatever your heart desires for outdoor enjoyment. This home combines classic design with modern upgrades, making it a wonderful retreat in a prime Scottsdale location.

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37333 N 16th Street Phoenix, AZ 85086

Open House

$998,500

3 Beds

2 Baths

2,279 SqFt

Status Active

MLS # 6767277

Property Type Single Family Residence

Price Type --

This exceptional Desert Hills horse property features a 137x82-foot arena, ideal for roping, jumping, and dressage. The custom barn includes 2 spacious stalls (12x12 feet each), fans, misters, and an attached tack room, along with two shaded mare motels. A 40-foot round pen and a wash stall provide the perfect setup for grooming and training, while a fly spray system ensures comfort for your horses. Enjoy direct access to state land for trail riding adventures! Inside, the home boasts fresh interior and exterior paint, two new air conditioning units, and a new shower enclosure. The bright, open floor plan includes a 40x12-foot lap pool with a brand new cool deck, perfect for relaxing under the Arizona sun. Don't miss this unique blend of equestrian amenities and modern living.

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9674 E Cinnabar Avenue Scottsdale, AZ 85258

$998,000

3 Beds

2 Baths

2,375 SqFt

Status Active

MLS # 6715219

Property Type Single Family Residence

Price Type --

RARE OPPORTUNITY TO OWN ONE OF THE BEST FLOOR PLANS BUILT BY ONE OF THE BEST BUILDERS IN ONE OF THE BEST NEIGHBORHOODS ON SCOTTSDALE RANCH. FIRST TIME AVAILABLE IN 4 DECADES. UPDATED AND MOVE-IN READY WITH NEW INTERIOR PAINT, NEW KARASTAN CARPETING, AND NEW WATER HEATER. STRATEGICALLY PRICED TO ALLOW PERSONAL CHANGES OR IMPROVEMENTS WHICH WOULD ADD EVEN GREATER VALUE. THIS BEAUTIFUL HOME IS WITHOUT STEPS EXCEPT FOR THE SUNKEN LIVING ROOM. THE NEUTRAL COLOR SCHEME WILL COMPLIMENT YOUR BELONGINGS. SAFE AND SECURE NEIGHBORHOOD WITH THE LOCK AND LEAVE BENEFIT OF 6 SECURITY SCREEN DOORS. LARGE MASTER SUITE WITH SITTING ROOM AND WALK-IN CLOSET. EATING AREA IN KITCHEN PLUS FORMAL DINING ROOM. GOOD KARMA HERE-METICULOUSLY MAINTAINED BY ORIGINAL OWNER. IT CAN ALL BE YOURS.DON'T DELAY OR MISS OUT.

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4680 S Robins Way Chandler, AZ 85249

$998,000

5 Beds

4 Baths

4,812 SqFt

Status Active

MLS # 6693223

Property Type Single Family Residence

Price Type --

*3X Best Home on Tour* Welcome to this stunning mini-mansion nestled in the desirable community of McQueen Lakes in Chandler. This spacious residence spans an impressive 4,812 square feet, offering room for everything and everyone. As you approach, the inviting ambiance of the neighborhood is evident with lush green grass, flower beds, and picturesque entryway. The centerpiece of the community is the tranquil man-made lake, winding through the neighborhood and providing a serene backdrop to everyday living. Step inside and discover a wealth of amenities designed for luxurious living. Entertainment options abound with a dedicated theater and theater lounge, perfect for movie nights with family and friends. Stay active in the convenient workout room, challenge guests to a game in the billiards room. A loft/flex space offers versatility for your lifestyle needs, while a dedicated office provides a quiet retreat for work or study. The home features four bedrooms and four bathrooms, including a spacious owner's suite and bath for ultimate comfort and privacy. The generous great room flows seamlessly into an open-concept kitchen, complete with a gas cooktop and ample space for culinary creations. Outside, the resort-style oasis awaits with a heated pool and spa, ideal for year-round enjoyment. The easy-maintenance front and rear yards ensure you spend more time relaxing and less time on upkeep. Benefit from the top-rated Chandler School District and proximity to two BASIS campuses, ensuring quality education for your family. Additionally, major employers such as Intel, Orbital ATK, and PayPal/eBay are just a short drive away, providing convenience for your daily commute. Don't miss this opportunity to own a piece of luxury living in McQueen Lakes. Schedule your private tour today and experience the epitome of Chandler living.

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30056 N 132nd Drive Peoria, AZ 85383

$998,000

3 Beds

3.5 Baths

2,771 SqFt

Status Active

MLS # 6757012

Property Type Single Family Residence

Price Type --

Stunning Executive home RARE Vantage model on the Mita side of Trilogy. 3 bed, 3.5 Bath+ Office, OWNED UPGRADED Solar W/ backup battery, NEW WAVE POOL & Spa!! An Entertainers Dream w/soaring 12+ ceilings,Open concept floor plan, Culinary kitchen w/granite island, Built in stainless fridge/appliances, pantry, elegant glazed tile backsplash opens to Great Room, office/fitness room w/ double french doors! Master Suite W/ french door leads to spa! Relaxing Spa style bath, w/soaking tub & shower- double toilet rooms & 2 Walk in closets. Professional landscaped Backyard W/ spa & Wave Pool (2024) covered patio W/ motorized sun shades, Laundry room off master, 2 light bright bedrooms both w/ attached upgraded baths 3 car garage! This home is a MUST See! Additional features of this beautiful home include: Transom Windows, Large Open concept floor plan, Neutral Paint, Upgraded flooring, Upgraded Bathrooms with luxury Tile/accents, Large granite island with storage, Glazed upgraded custom subway tile backsplash, Cabinets galore with pull outs, walk in pantry, The flex space could be an amazing office/fitness room w/ double french doors that open directly to the outdoor spa and pool! Privacy wall with glass inserts flows nicely to Great Room! Large laundry room directly off Master Suite features sink, counters and cabinets galore! Professionally landscaped Backyard (2024) with NEW therapeutic spa (2024) spa & 17 ft. Wave Pool (2024) that features heating/cooling and swim laps or relax with a glass of wine! Amazing covered patio w/ motorized sun shades, fire pit and room for entertaining! 2 light bright bedrooms both w/ attached upgraded baths, spacious closets and are private. Spacious 3 car garage with Electric Car charger, and OWNED upgraded Solar with 14.3 KW battery back up This home is a MUST See! Trilogy is an amazing gated active adult community that features 2 clubhouses, Golf, Fitness centers, indoor and outdoor swimming, clubs, pickleball, tennis, bocce & so much more

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4320 E Calle Feliz -- Phoenix, AZ 85018

New

$998,000

3 Beds

2 Baths

1,478 SqFt

Status Active

MLS # 6782709

Property Type Single Family Residence

Price Type --

Don't miss this one! This is a great lot with a large backyard. 3 bed/2 baths. Plenty of room to add on! Such a cozy home! The hall bath is freshly updated with shower/new vanity/new tile floor. White kitchen cabinets, backsplash, hardware, new stove. Plantation shutters throughout. Hard floors throughout. Move in ready or plan an addition. Newer windows, 2018 A/C, 2019 Roof. The big items are all done for you! The new Global Ambassador is across the street, along with Steak 44 & The Village at Camelback Mountain. LGO is less than a mile! Hopi school district. Close to the airport and Biltmore Fashion Park. Backyard updates include new cement pad for new concrete ping pong table plus path to back gate and concrete cornhole game! Come have fun! No HOA fee! Live in it or rent!

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3765 Ridgeview Terrace Wickenburg, AZ 85390

$998,000

3 Beds

3.5 Baths

2,724 SqFt

Status Active Under Contract

MLS # 6765018

Property Type Single Family Residence

Price Type --

Step into this exquisite award-winning Latigo model at Wickenburg Ranch, where thoughtful design and exceptional upgrades set this home apart. This gorgeous property offers a unique layout, starting with beautiful guest quarters that feature a private en suite and its own separate entrance, ideal for visitors seeking comfort and privacy. Inside the main home, the primary suite is more than just a bedroom—it's a sanctuary. Two large walk-in closets provide fantastic space, while the bathroom is your own spa retreat, complete with a deep soaking tub and a sleek, separate shower. The second bedroom also comes with its own en suite, offering privacy and convenience for your guests. An additional den or office offers flexibility—whether you need a quiet workspace, game room, or a... retreat to read or relax. A powder room is smartly tucked away, perfect for guests when entertaining. Head out back to take in the sweeping views from this elevated, premium lot and enjoy your own slice of outdoor living. The exterior was freshly painted in 2022 and the hot tub is ready for starlit nights while a built-in BBQ is set up for weekend cookouts. This outdoor space feels like an extension of your home, where relaxation meets luxury. This home is loaded with premium upgrades at every turn, from surround sound and new carpet (September 2024) to the custom finishes that elevate every room. It's more than just a houseit's an exclusive lifestyle waiting for you in Wickenburg Ranch.

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5545 E Helena Drive Scottsdale, AZ 85254

$998,000

5 Beds

3 Baths

2,933 SqFt

Status Active

MLS # 6739222

Property Type Single Family Residence

Price Type --

LOCATION, LOCATION, LOCATION! Discover your dream home with this stunning 5-bedroom, 3-bathroom property on a tranquil cul-de-sac! This gem welcomes you with a meticulously manicured front yard, NEWLY FRESH PAINT, UPDATED ROOF, UPDATED FLOORING, a spacious 3-car garage, and an extended driveway, offering ample parking and impressive curb appeal. Step inside to sizable living areas designed for seamless hosting and entertaining. The home radiates sophistication with its vaulted ceilings, soothing paint, plantation shutters, beautiful wood flooring, and plush carpeting. The formal dining room, graced by a luxurious chandelier, sets the stage for memorable dining experiences. Continue onto the chef's paradise, the kitchen, featuring an electric cooktop, granite counters, rich wood cabinetry, recessed lighting, a prep island, a pantry, and a breakfast nook with a charming bay window. Upstairs, the main suite provides a serene retreat with double door entry, soft carpeting, and a lavish ensuite complete with dual vanities, a jetted tub, a step-in glass shower, and a spacious walk-in closet. Enjoy alfresco dining under the covered patio in the serene backyard with artificial turf and a built-in BBQ with an oven. Experience the grandeur that awaits in this magnificent residence!

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