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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2121 E Palo Verde Drive Phoenix, AZ 85016

$2,675,000

4 Beds

4.5 Baths

4,026 SqFt

Status Active

MLS # 6781814

Property Type Single Family Residence

Price Type --

This modern masterpiece is ideally located in the private Biltmore East subdivision. Situated on a cul-de-sac and featuring a 16,000 square foot lot, this home is an entertainer's dream. Inviting indoor-outdoor living, the home features a full outdoor kitchen with multiple ovens, a pizza oven, and plenty of seating with fire features and spacious entertaining area. The private pool area includes a half bath and full bar setup, including dishwasher. The interior of the home balances modernity and comfort with defined spaces that transition from formal living to the comfortable and relaxed family room. The split floor plan, office with incredible views of the outdoor space, private/hidden wine cellar and pass-through 4 car garage are the icing on the cake of this incredibly unique estate.

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12424 E Poinsettia Drive Scottsdale, AZ 85259

Open House

$2,675,000

5 Beds

4.5 Baths

4,137 SqFt

Status Active

MLS # 6744270

Property Type Single Family Residence

Price Type --

Nestled near the McDowell Mountains in North Scottsdale lies the opulent Southwestern home of your dreams. Beyond the private gates, a community of seven custom homes awaits, untouched by the market for the past eight years. Adorned with charming blue shutters, driveway pavers, natural stone accents, and a meticulously landscaped desert-themed front yard, this residence is a sight to behold. Step through the solid wood front doors to be greeted by the grand bay windows in the formal living room, revealing a serene sanctuary with remarkable architecture and exposed beams throughout. The outdoor oasis boasts a sparkling pool, spa, and a covered patio equipped with a mister system. The interior features five generously sized bedrooms with 4.5 elegant travertine bathrooms. The primary bedroom includes a lavish custom closet, while flagstone and engineered hardwood floors, welcoming fireplaces, and top-of-the-line appliances grace the entire home. Relax with a glass of wine on the rooftop terrace offering breathtaking panoramic sunset views. This exclusive opportunity provides unmatched seclusion while being conveniently located within walking distance to the local schools and a short drive to esteemed medical centers, upscale dining, shopping destinations, golf courses, and stunning mountain vistas.

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4551 S Avenida Corazon De Oro -- Gold Canyon, AZ 85118

$2,650,000

7 Beds

6.5 Baths

8,432 SqFt

Status Active

MLS # 6782095

Property Type Single Family Residence

Price Type --

Majestic Custom Estate in the Gated Community of Vista Del Corazon. Jaw-dropping 180+ degree views of the magnificent Superstition Mountains. The private community sits on the renowned Dinosaur Mountain Golf Course with the Superstition Mountain Golf & Country Club just to the north. This *furnished* listing includes the neighboring lot for a total of over 1.3 acres- affording the buyer the luxury of unobstructed views and the opportunity for a future sale of the separate lot. 7 bedrooms (including 2 phenomenal primaries), 2 kitchens, 2 greatrooms, and many versatile spaces for game rooms, media rooms, etc.. This property offers the buyer the ability to accommodate everything on their own personal dream home wish list. Stargaze or take in the breathtaking sunrises and sunsets from sweeping walk-out terraces on both levels, from the tranquil heated pool and spa, the cozy private patios of the ensuite guest rooms, or in the romantic primary spa-jetted tub with two-sided fireplace. Soaring beamed ceilings, a tasting room, an outdoor bbq kitchen with pizza oven, an expansive 4-car garage, and even 3 laundry options throughout the home,... all come together for true luxury resort living with an unrivaled backdrop in every direction.

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3617 N Granite Ridge Road Buckeye, AZ 85396

$2,650,000

5 Beds

5.5 Baths

5,317 SqFt

Status Active

MLS # 6753527

Property Type Single Family Residence

Price Type --

Location, location, location! Stunning residence on the Signature 12th Hole of The Verrado Golf Club! The lot next to the home is available for purchase for added value or privacy. The 3-car garage with an extra long driveway lets you bring all your toys, trucks, and cars. Impressive interior showcases the finest quality materials and impeccable craftsmanship throughout. Roman pillars, wood and stone floors, Canterra Stone fireplaces in the right areas, multiple French doors, a high beamed ceiling in the family room, and surround sound speakers. Chef's kitchen has granite counters, wood cabinets with crown moulding, a walk-in pantry, a big island with a breakfast bar, a stylish backsplash, and high-end stainless steel appliances such as wall ovens. Lot next to property available. Wet bar, wine cellar, and butler's pantry for convenience. Large bedrooms, walk-in closets, office/library, and upscale bathrooms. Each room is a work of art! Grand main retreat has a fireplace, backyard access, and a spa-like ensuite boasting a jetted tub, double vanities, and a big tiled shower with dual shower heads. The entertainer's backyard allows you to enjoy the impressive mountain and golf course views from every angle! Covered patio, blue pool, relaxing spa, built-in BBQ, fireplace, dog run, exterior shower, above-ground hot tub, and putting green complete the backyard. Words don't make it justice!

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9879 E Broken Spur Drive Scottsdale, AZ 85262

$2,650,000

3 Beds

3 Baths

2,960 SqFt

Status Active

MLS # 6765693

Property Type Single Family Residence

Price Type --

Coveted front row Lookout Ridge home. Golf Membership available from seller. Offering breathtaking views of the first hole of the Renegade golf course, Pinnacle Peak, McDowell Mountains and glittering city lights views. Impeccably maintained, this south facing gem offers a large expanded patio to capture all of the terrific views. Extraordinary indoor living with large windows, 3 suites, 3 baths and an open floor plan. Spectacular remodeled kitchen, newer appliances, no carpet except for guest room. Easy walk to the new Renegade Clubhouse, golf practice park and the world-class Sonoran Fitness Center. The home is offered turn key minus some exclusions from the seller. Truly a must see.

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3611 E Kachina Drive Phoenix, AZ 85044

$2,650,000

7 Beds

6 Baths

5,924 SqFt

Status Active

MLS # 6779704

Property Type Single Family Residence

Price Type --

Captivating Furnished Home with Modern Luxuries in the Heart of Arizona Welcome to your new home, perfectly poised for those who cherish both luxury and lifestyle, located just moments away from the scenic trails of South Mountain Park/Preserve. This residence isn't just a property; it's a gateway to a life infused with comfort, modern amenities, and the expansive beauty of Arizona's landscape. Property Features and Amenities This home is a blend of style and function, featuring an exquisitely updated kitchen that promises to delight culinary enthusiasts. With a double walled oven, a professional 6 burner gas range top, and premium Monogrammed stainless steel appliances including a double dishwasher and microwave, this kitchen is as efficient as it is elegant. For those who love entertaining, the dual Calacatta Quartz waterfall islands and a sophisticated Silhouette wine/beverage fridge create the ideal setup for hosting. This expansive abode offers 7 bedrooms and 6 baths, fully furnished with sleek porcelain tile flooring throughout. The primary suite is a true retreat, equipped with smart living technology that includes advanced shower systems and toilets, LED mirrors, providing a spa-like experience right at home. Modern Conveniences and Technological Advancements A 98 inch Samsung mounted television paired with acoustic wood panel veneers sets the stage for entertainment, while the home gym caters to fitness needs. Energy efficiency and comfort are elevated with newly installed vinyl windows and sliding doors, spray foam attic insulation, and all-new AC units designed to save on utility bills. Outdoor and Recreational Appeal The exterior of the home is equally impressive, featuring a versatile heated/chilled pool, ideal for entertaining guests or enjoying a relaxing day under the sun. Prime Location What makes this property truly stand out is its prime location, situated just down the street from the trailhead at the renowned South Mountain Park/Preserve, offering endless opportunities for outdoor adventures and connection with nature. Are you ready to make this exceptional property home and enjoy all that the Arizona sun has to offer?

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7928 E Parkview Lane Scottsdale, AZ 85255

$2,650,000

5 Beds

5.5 Baths

4,278 SqFt

Status Active

MLS # 6781778

Property Type Single Family Residence

Price Type --

This stunning +1 acre residence in North Scottsdale offers a modernized, light-filled living experience in a secure, gated community. With 12-foot ceilings and wide plank wood floors throughout, every detail has been thoughtfully updated to create an elegant, contemporary oasis. The grand Primary Suite is spacious, and features separate His and Hers walk-in closets, along with a luxurious bathroom suite. The oversized gourmet kitchen serves as the perfect centerpiece for entertaining, with expansive countertops, high-end appliances, and a layout that seamlessly flows into other living areas. Step outside into the exceptional resort-style backyard, where you will find a gorgeous pool, beautifully mature landscaping, and sweeping desert views offering an ideal blend of sophistication, comfort, and natural beauty in one of Scottsdale's most coveted neighborhoods.

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3703 N Kachina Lane Scottsdale, AZ 85251

$2,650,000

4 Beds

4.5 Baths

3,359 SqFt

Status Active Under Contract

MLS # 6749727

Property Type Single Family Residence

Price Type --

2 WEEKS from COMPLETION. This stunning new build offers luxury living in one of Scottsdale's most sought-after neighborhoods. Spanning 3,359 square feet, this single-family home sits on a spacious 12,000-square-foot lot, providing plenty of room for both indoor and outdoor enjoyment. With 4 bedrooms and 5 bathrooms, the home is thoughtfully designed for comfort and privacy, making it perfect for families or entertaining guests. The modern finishes throughout the home include distinctive cabinetry, sleek and stylish, offering ample storage and a contemporary aesthetic. Top-of-the-line amenities feature Trane A/C units for efficient climate control, and a premium Pella door and window package, ensuring energy efficiency and elegant design. An expansive covered patio offers ideal outdoor living space, perfect for year-round shade and comfort. The brand new pool and spa add a touch of resort-style luxury to your everyday life, making this home a perfect blend of modern design and high-end finishes. Don't miss your chance to own this exceptional property in Scottsdale.

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160 Creek Mesa Drive Sedona, AZ 86336

$2,650,000

3 Beds

5 Baths

4,525 SqFt

Status Active

MLS # 6673024

Property Type Single Family Residence

Price Type --

This stunning property in Sedona, Arizona, is a unique opportunity to own a piece of paradise in the highly desired Creek Mesa subdivision. The home was designed for a single owner who is an art enthusiast, to showcase their art and to enjoy the breathtaking views with privacy. Now, this hidden gem can be yours. The magic starts as you drive up from the private gate to your spacious paved driveway. You will see how the home blends into the natural flow of the mountain. As you lift your sight, you will be amazed by the majestic mountain views. As you walk into the bridge of greenery, you will hear the serene sound of running water in the delicately crafted courtyard. You will be greeted by a majestic architectural accent cylinder that serves as a centerpiece for art and warmth The house offers a cathedral ceiling and floor-to-ceiling panoramic windows that not only provide natural light but also offer incredible views of Mountain Wilson. The split floor plan has an organic flow to enjoy the outdoors from every space in the home. The house offers many outdoor sitting areas, including a balcony and a fabulous spa just outside of the main bedroom. There is also a below-grade entertainment game room, a steam bathroom, and a wet bar, that opens to the outdoor kitchen and to the negative edge pool with a water feature. The pool is prepared to be used every day of the year, since it has a pool water heater heated by solar panels. It also has a convenient cover to use it at your convenience and keep it free from debris. Your next home is adjacent to the community park and Oak Creek, meaning that only steps away from your home you can have a picnic with the multiple bbq pits and tables, as well as a sitting area to relax while listening to the running water. If you are a trail enthusiast, Creek Mesa Subdivision has a well-maintained trail that leads to the swimming hole along with scenic views. This subdivision is a gated community with luxury homes that offer mountain and red rock views. This house is a perfect blend of comfort, luxury, and nature.

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4501 E Turney Avenue Phoenix, AZ 85018

$2,650,000

4 Beds

5 Baths

3,516 SqFt

Status Active

MLS # 6695499

Property Type Single Family Residence

Price Type --

Immerse yourself in luxury with this architecturally astounding, one-of-one Modern Coastal Inspired home. This custom-built residence showcases an exceptional use of glass and natural light, creating a stunning visual connection to the outdoors. Property Highlights: Elegant Design: Spanning over 3,500 sq ft, DUO features a spacious open-concept layout ideal for modern living and grand entertaining. Natural light and Views: Floor-to-ceiling glass walls throughout the home offer uninterrupted views of the iconic Camelback Mtn & The Phoenix Mtn Preserve. Modern Coastal Architecture: Project DUO stands out as a one-of-one with its unique Modern Coastal Architecture, imagined with the amazing team at DesignTank and Urban Revival. Integrating high-end materials and finishes, like aggregate concrete driveways and walkways, exposed brick, heat and steam treated exterior rated oak and metal, combined with innovative design to create a visually striking appearance Luxurious Interiors: Every detail has been carefully selected, from the state-of-the-art kitchen with premium appliances and custom cabinetry, to the tranquil bedrooms each with en-suite facilities and walk-in closets. The master suite is particularly impressive, offering a spa-like bathroom and breathtaking CB Mtn views from the moment you open your eyes in the morning. Prime Location: Situated within close proximity to top schools, fine dining, and exclusive shopping, this home offers both privacy and convenience in Phoenix's most coveted neighborhood. This property is more than just a home; it's a masterpiece of modern design and a rare jewel in the Arcadia real estate market. Outdoor Living: Exterior patios and expansive walk-out decks enhance your connection to nature, providing a perfect setting for relaxing and hosting with scenic mountain backdrops. Experience the paragon of modern luxury living with unrivaled views and exquisite design in this exclusive Arcadia residence. Your chance to own this spectacular home is just an inquiry away.

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28877 N 78th Street Scottsdale, AZ 85266

$2,649,000

4 Beds

4.5 Baths

4,046 SqFt

Status Active

MLS # 6733231

Property Type Single Family Residence

Price Type --

Spectacular Newer, Custom Home on 2.24 acres in the heart of North Scottsdale. Huge Opportunity! Large circular driveway, paved courtyard w/gas fire pit. Enter through the custom, wrought-iron front door. Large & open great room w/telescoping glass doors opening to beautifully landscaped back yard with pool, spa, synthetic turf lawn, built in BBQ. Entertainers' chef's kitchen w/custom cabinets, extra large island, granite counters, Sub Zero refrigerator & 8 burner Wolf gas range w/ double ovens. And a third, built-in oven and large breakfast area. Tile plank floors throughout & upgraded carpet & padding in the bedrooms. Large master bath with floor to ceiling glass shower & separate soaking tub. Huge closet w/ custom cabinets. Extra-large 6-car garage with epoxy floor. Priced to Sell!

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37200 N Cave Creek Road Unit 2110 Scottsdale, AZ 85262

Open House

$2,647,900

2 Beds

3.5 Baths

2,716 SqFt

Status Active

MLS # 6729130

Property Type Townhouse

Price Type --

All new construction! Spectacular upper-level corner residence 2,716 sq. ft., 2 beds, den/office, 3.5 baths, 2 car garage with golf cart/storage area. Designed to integrate the stunning outdoors with the comforts of the inside. Incredible views of the Seven Golf Course and mountain ranges. This unit has an expansive covered patio with retractable, pocketed doors creating a spectacular space for entertaining. Private elevator is included for your convenience. Just steps away from the Seven clubhouse and Pro Shop. Ready Now! DM approval and Membership required. Avoid the wait list!

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