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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10416 N 52nd Street Paradise Valley, AZ 85253

Open House

$4,000,000

5 Beds

6 Baths

6,685 SqFt

Status Active

MLS # 6768580

Property Type Single Family Residence

Price Type --

Magnificent Tuscan-style estate on a sprawling, beautifully manicured acre lot located in the highly sought-after Paradise Valley, just moments away from top-tier shopping and dining in both PV and Scottsdale. With over 6600 square feet of living space, this residence offers a spacious great room floor plan with 5 bedrooms and 6 bathrooms. The home boasts elegant formal living and dining rooms, a large family room with a gas fireplace, and a bonus/game room for added leisure. The split floor plan ensures privacy, with the expansive primary suite featuring a cozy sitting room with a gas fireplace, a spa-inspired bathroom with dual sinks, a walk-in shower, a freestanding soaking tub with a remote-controlled electric fireplace, two oversized walk-in closets and a cedar closet. The guest wing offers 4 spacious en-suite bedrooms, each with walk-in closets. The gourmet kitchen is a chef's paradise, equipped with a large island and top-of-the-line appliances. Multiple French doors open to the resort style backyard oasis, complete with a spacious covered patio, a heated pebble tec diving pool, a lush lawn, built in BBQ and a ramada perfect for outdoor entertaining. Luxury finishes throughout include marble and travertine flooring, vaulted and wood-beamed ceilings, crown molding, custom cabinetry, and designer lighting. This home is a must see and has been meticulously maintained. Home is available to be purchased fully furnished on a separate bill of sale.

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7360 E Sweetwater Avenue Scottsdale, AZ 85260

$3,999,999

6 Beds

4.5 Baths

5,454 SqFt

Status Active

MLS # 6754191

Property Type Single Family Residence

Price Type --

Experience the epitome of luxury in this brand-new construction located in gorgeous Scottsdale Arizona, with the added benefit of NO HOA. This exceptional property boasts an array of unique features, including two kitchens, two mudrooms, two laundry rooms (one with a pet shower), and a 6th bedroom with a private entrance. The thoughtfully designed split floor plan places the primary suite in the west wing, offering a spacious walk-in closet, an oversized shower, and a private patio. The east wing houses the second kitchen and an additional family room, perfect for extended family or guests. The custom kitchen is a chef's dream, featuring quartzite countertops, birch cabinets, top-of-the-line Wolf and Sub-Zero appliances, and a walk-in pantry with a separate sink and dishwasher. The home is adorned with European oak hardwood plank flooring throughout, providing warmth and elegance. Beautifully designed by Kevin Robert Interiors, the home is architecturally stunning with a glass-encased wine rack, multiple ensuite bathrooms, and several covered outdoor spaces. The new outdoor kitchen is perfect for entertaining, and the oversized north-facing backyard includes a brand-new pebble-tec pool and a Pickleball/Basketball court for recreation. This property is a rare find, combining luxury, functionality, and style in one of Scottsdale's most desirable locations.

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11108 E Mariola Way Scottsdale, AZ 85262

$3,999,977

4 Beds

4.5 Baths

7,277 SqFt

Status Active

MLS # 6662532

Property Type Single Family Residence

Price Type --

A rare, immediate golf membership is available with purchase. Ask for details! This is a hillside gem capturing awe-inspiring panoramic mountain views from every corner! This home was made to entertain the largest of gatherings, yet cozy enough for the smallest. Top of the line when built in 2004. Built into the mountain. Hardly lived in. CMU build. Great bones. Needs some updating and you've just added to the equity. Multi generational for those who don't mind the shallow steps. 4 separate guest suites, including the 950 sf upper deck casita. 3 car garage, 7+ additional parking spots. Well designed motor court. Purchase the lot in front and build another home or tie it to this lot for an acre of expanded yard. For undisturbed views, pets, kids, parties or whatever your heart desires.

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10728 E Cottontail Lane Scottsdale, AZ 85255

$3,999,900

4 Beds

4.5 Baths

5,511 SqFt

Status Active

MLS # 6704872

Property Type Single Family Residence

Price Type --

This timeless styled Spanish Colonial home rests in guard gated Windy Walk Estates of Troon. It's North - South exposure captures views of Pinnacle Peak, Troon Mountain and city lights. The luxurious home is all on one level except for a large 875/sf 2nd level game/office/bedroom with its own fireplace, full bath and balcony overlooking city light views. You enter the main home through a hand forged iron gate into a charming front courtyard with bubbly fountain. The iron front door opens to the formal living and dining areas with rough sawn beams, stone floors, Venetian plastered walls and a cantera stone fireplace. Just down the hall is an intimate home theater. The large family room includes a corner fireplace, walk-up wet bar with ice maker, dishwasher, Sub-Zero wine and beverage ..... cooler plus room for a pool table. It opens to a center island kitchen with Wolf and Sub-Zero appliances and breakfast room. The Arcadia doors from the breakfast room lead to an outdoor patio with fireplace, BBQ and pizza oven all overlooking views of the boulder filled Troon Mountain. The kitchen conveniently opens to the 4 car garage and includes a key drop and very large walk-in pantry. The charming Primary suite includes a fireplace and a marble floored bath and a large closet that opens to the laundry room. The living room, family room and Primary suite are lined with Arcadia doors opening to arched covered patio that overlook the sparkling pool, paver hardscape, lush landscaping and views of Pinnacle Peak. The home has been updated with Venetian plastered walls, white oak flooring, new garage doors and a Bull Frog spa. Two of the three HVAC systems have been replaced and the exterior has been newly painted. The home includes 4 interior and 1 exterior fireplaces.

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3800 S Clubhouse Drive Unit 5 Chandler, AZ 85248

$3,999,000

5 Beds

6.5 Baths

9,668 SqFt

Status Active

MLS # 6711422

Property Type Single Family Residence

Price Type --

This exquisite lake front custom home resides in the exclusive gated subdivision of Crown Point, a private community with only 11 lots. It provides easy access to the Ocotillo Golf Club, a premiere golf destination in Chandler, Arizona. This Spanish/Mediterranean home has 5 bedrooms and 6 1/2 bathrooms. There are 3 bedrooms on the main floor, 2 being ENORMOUS full master suites, each on opposite ends of the home. There are 8760 sq ft of living space, plus 1156 sq ft in attached casita. The casita has a separate entrance, with bar and bathroom with easy access from the pool and patio. The kitchen has new appliances. 4 Viking convection ovens, 8 burner Viking stove, 36 inch Viking refrigerator, 36 inch Viking freezer, and 2 dishwashers and ice maker. Two islands in the kitchen make entertaining effortless. The under the staircase wine cellar is amazing, with stone clad walls and clay slots.Upper level includes 2 bedrooms, 2 bathrooms, game room/lounging area, bar with mini kitchen and fireplace. You can view the gorgeous Arizona sunsets from a private patio just outside.The negative edge pool was resurfaced and equipment replaced. There is also a spa and fire pit for your enjoyment. All the bathrooms were remodeled. The roof was just replaced at a cost or $300, 000.00, and four of the five AC units were recently replaced. All of this and more in this Magnificent Move In Ready Home!!

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10071 E Aniko Drive Scottsdale, AZ 85262

$3,997,000

3 Beds

3.5 Baths

4,475 SqFt

Status Active

MLS # 6765790

Property Type Single Family Residence

Price Type --

Introducing a stunning new build set to complete in 2025, this desert modern home seamlessly blends contemporary design with the breathtaking natural landscape of Mirabel, Arizona. With a thoughtfully designed layout, the home features three spacious bedrooms, an inspiring office, and a dedicated game room, making it perfect for both relaxation and entertainment. Exterior: The striking facade showcases clean lines and a combination of natural stone, stucco, and expansive glass elements that invite the desert landscape indoors. The property is surrounded by low-maintenance native landscaping, enhancing its eco-friendly appeal while ensuring a harmonious connection with the environment. A spacious covered patio extends the living area outdoors, perfect for enjoying Arizona's stunning sunsets. Interior: As you step inside, you'll be greeted by an open-concept floor plan bathed in natural light. High ceilings and large windows create an airy atmosphere, while polished concrete floors and warm wooden accents add a touch of warmth. The gourmet kitchen features state-of-the-art appliances, sleek cabinetry, and a spacious island that flows into the dining and living areasideal for hosting gatherings. The master suite serves as a serene retreat, complete with a spa-like ensuite bathroom featuring dual vanities, a soaking tub, and a walk-in shower. Two additional bedrooms provide ample space for family or guests, each designed with comfort and style in mind. The versatile office space offers a quiet haven for productivity, while the game room is designed for fun and relaxation, complete with space for a pool table, gaming consoles, and lounge seating. Sustainability: This home is equipped with energy-efficient systems and smart home technology, ensuring a sustainable lifestyle without compromising on luxury. Whether you're seeking a year-round residence or a seasonal getaway, this desert modern home in Mirabel, Arizona, promises to be an exceptional living experience that celebrates the beauty of desert living. Don't miss your chance to own this exquisite piece of architecture!

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7007 N 59th Place Paradise Valley, AZ 85253

$3,997,000

4 Beds

4 Baths

4,327 SqFt

Status Active

MLS # 6752372

Property Type Single Family Residence

Price Type --

Few homes with this intimate head-to-tail view of Camelback Mountain become available for purchase in this highly desirable Paradise Valley neighborhood at the base of Mummy Mountain. 22' floor to ceiling windows fill the expansive Grande living room with natural light and offer mountain and downtown light views. Soaring tongue and groove ceiling and hardwood floors warm the space. Remodeled kitchen features Wolf and Subzero, European cabinetry, center island and custom lighting. The primary suite is a tranquil retreat -featuring a large stone fireplace which separates the bedroom from the spa master bath with a large vanity, soaking tub, and separate shower all surrounded by luxurious marble. This distinctive home offers privacy, tranquility in a premium location and setting. Home features the spa like primary suite, den or 4th bedroom, and a guest wing with 2 ensuite guest rooms both with direct access to patios. Entertain around the saltwater pool and spa, dine on the covered view deck while enjoying tranquil, balanced city light and mountain views. Three outdoor fireplaces, custom landscape, and lighting complete the perfect evening. Private, serene setting in one of PV's best locations featuring distinctive architectural detail and is move in ready! You will truly feel you have entered a wellness spa, this home calms and invites you to stay!

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42010 N 111th Place Scottsdale, AZ 85262

$3,995,000

5 Beds

5.5 Baths

6,147 SqFt

Status Active

MLS # 6763738

Property Type Single Family Residence

Price Type --

Golf membership available. Nestled on a premier view lot, this exquisite home offers expansive mountain views, valley lights and breathtaking year-round sunsets. The heart of the home is designed for both elegance and comfort, with a great room anchored by a Cantera stone fireplace, an inviting dining room, and a wet bar for entertaining. The gourmet kitchen has been recently remodeled with Wolf and Sub-Zero appliances, beautiful stone work, and a cozy breakfast nook that opens to the family room—complete with another fireplace for those cool desert evenings. The spacious master suite offers ultimate privacy, featuring a fireplace, an expansive walk-out balcony leading to the backyard, and a luxurious en-suite bathroom with a massive walk-in closet. A private elevator adds convenience and sophistication. Complementing the main home is a separate pool/spa room, which can double as a guest suite, workout room, or office, complete with a full bath and sauna. Outside, the backyard offers a true oasis with over 1,000 sq. ft. of covered patio space, a pool & spa, fireplace, BBQ area, and wet bar perfect for both relaxation and entertaining. The stunning panoramic views stretch from east to west, offering sparkling city lights at night and picturesque sunrises and sunsets each day. Elegant French oak and Italian limestone floors throughout the home elevate the luxury, making this a one-of-a-kind estate ideal for enjoying the best of Sonoran desert living.

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3190 E San Miguel Avenue Phoenix, AZ 85016

$3,995,000

3 Beds

3 Baths

5,269 SqFt

Status Active Under Contract

MLS # 6673954

Property Type Single Family Residence

Price Type --

Greeting you at the entrance are the historic ruins of the Pauson House, a renowned Frank Lloyd Wright landmark, setting the tone for an unparalleled luxury living experience. Alta Vista Park Estates has crafted a realm where timeless sophistication merges with architectural brilliance.Situated on an expansive 83,476 square foot lot, this bespoke marvel spans 5,671 square feet, embodying the essence of refined living. Crafted with meticulous attention to detail, the exterior seamlessly blends natural stone with beautifully landscaped gardens, radiating an aura of grandeur. Upon entering, prepare to be enchanted by an interior that surpasses all expectations. This opulent abode features three generously proportioned bedrooms, accompanied by three bathrooms and two powder rooms for ultimate convenience. The expertly designed layout effortlessly integrates spacious living areas, fostering an ambiance of refined luxury. A discreet guest wing with a separate entrance ensures privacy and exclusivity, offering a serene retreat for visitors or additional family members. Revel in the breathtaking views that embrace you from every angle, showcasing the dynamic cityscape and majestic mountain vistas. The pièce de résistance awaits on the expansive wrap-around patio, commanding mesmerizing views of downtown Phoenix's city lights. Alternatively, immerse yourself in the surrounding beauty of Camelback Mountain, Piestewa Peak, and the iconic Wrigley Mansion, adding an extra layer of prestige and sophistication. Indulge in a lifestyle of unparalleled luxury, where every aspect has been meticulously curated to elevate your living experience. It stands as a testament to architectural brilliance and serves as a sanctuary for those who appreciate life's finer pleasures. Welcome to a residence where every moment is a masterpiece.

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10047 E Scopa Trail Scottsdale, AZ 85262

$3,995,000

4 Beds

4.5 Baths

5,676 SqFt

Status Active Under Contract

MLS # 6753611

Property Type Single Family Residence

Price Type --

Stunning Southwest Contemporary Estate with Desert Mountain Golf Membership available to Buyer! Impressive curb appeal with gorgeous landscaping, artisan crafted entry door, and copper garage doors. Dramatic living room with retractable glass doors that open to covered, heated and misted patio with infinity edge pool, for gracious outdoor living and entertaining. Panoramic views are enjoyed from the wraparound resort style patio with coveted south orientation overlooking Renegade's 3rd fairway and Arizona's iconic mountains and sunsets. Masterfully created by renowned builder, Bob Byrd, featuring details including extensive internal and external stacked whole stone walls, slate, granite, marble, luxurious Honduran mahogany cabinetry and doors, plaster lath walls with venetian plaster treatment, and 4 internal/2 external gas fireplaces, and copper fascia. A major addition and new update by Shiloh Homes and Parsons Interior Design was completed in 2021. The split floor plan includes a secondary master suite with a kitchenette/office and private entrance which is perfect for remote working and family visits. All bedrooms have direct access to private patios. This Smart home boasts 80 solar panels, invisible from the road, 4 Tesla Power Walls that provide efficiency of energy use and backup power, Lutron lighting, and whole house/patio audio. This clean energy also heats the pool, patio, climatized garage, and two electric car chargers. Located conveniently near both guarded gates and Sonoran Fitness. Furniture and furnishings, linens, and kitchenware are available by separate bill of sale, for a move-in ready buyer. All located in the world-renowned, gated Desert Mountain Community with Seven golf courses, 10 restaurants, spa and fitness center, tennis, pickle ball, croquet, 20+ miles of private hiking trails, and a myriad of additional year-round activities.

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9775 E Hidden Valley Road Scottsdale, AZ 85262

$3,995,000

5 Beds

5.5 Baths

4,600 SqFt

Status Active

MLS # 6347935

Property Type Single Family Residence

Price Type --

Welcome to the epitome of modern luxury living in the heart of our exclusive lifestyle community, Desert Mountain. This brand-new custom home that has broken ground defines elegance and sophistication, offering a harmonious blend of contemporary design, opulent features, and an unparalleled level of craftsmanship. Spanning an expansive 4600 square feet, this residence boasts 5 bedrooms, 5.5 baths, and a host of amenities that cater to every facet of refined living. Step inside and be captivated by the seamless integration of indoor and outdoor spaces. The open-concept layout flawlessly transitions from the interior's sleek lines and top-tier finishes to the captivating outdoor oasis. Completion spring 2025. Entertain in style as you host gatherings in the sun-soaked courtyards and indulge in poolside relaxation creating memories that will last a lifetime. The heart of this home lies in its gourmet kitchen, complete with state-of-the-art appliances and an exquisite butler's pantry, perfect for culinary enthusiasts and gracious hosts alike. Abundant natural light illuminates the interior through large windows that showcase the breathtaking surroundings. Unwind in the luxurious primary suite, a serene retreat featuring a spa-like en-suite bath and a walk-in closet. Four additional well-appointed bedrooms each with their own en-suite baths provide comfort and privacy for family members and guests. Completing this exceptional property is a guest house that offers versatile space, ideal for an art studio, home office, gym, or additional living quarters. Located within our sought-after lifestyle community, residents enjoy exclusive access to amenities that include 7 golf courses, fitness, tennis, pickleball, swimming, and 7 restaurants. Membership is not included with this property, however additional information regarding membership applications is available through the document tab.

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41828 N 99th Way Scottsdale, AZ 85262

$3,995,000

4 Beds

4.5 Baths

6,758 SqFt

Status Active

MLS # 6766847

Property Type Single Family Residence

Price Type --

European masterpiece with stunning mountain, Valley and sunset views across the Chiricahua's 17th fairway. Located in Desert Mountain's gated Saguaro Forest Village with charming caretaker's cottage offering concierge services. The floor plan of this impressive home perfectly accommodates entertaining and family living. The great room welcomes you to a gorgeous stone hearth, vaulted ceilings and inviting bar and collector's wine cellar. A raised grand dining room overlooks this and fairway views beyond. The light-filled chef's kitchen and family room all overlook the golf views . The 2nd level primary retreat and office, each with private patio, offer matchless surround views. Guest will love the two private suites and casita, and their own private upper view patio. Luxurious finishes, updated Savan and Lutron lighting systems, and fine cabinetry are found throughout this warm and inviting residence. While a golf membership to the Desert Mountain Club is not available from the seller, it is accessible from the Desert Mountain Club via application, subject to a waiting list.

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