On a Variable Mortgage? 3 Signs Your Mortgage Payment Is About To Increase

For many homebuyers who are new to the market, it can be very comforting to be on a fixed rate mortgage where fluctuating interest rates cannot have an impact on your monthly payments. While a variable rate mortgage can sometimes lead to significant savings at the end of the day, there are a few ways you can tell if your monthly payment is on the upswing.

An Increase In Your Home’s Value

A marked increase in a home’s value is ideal for most homeowners who consider their home an important investment. However, the downside of an increase in the price of real estate is that your property taxes will probably be bumped up along with it. According to Josh Moffitt at Silverton Mortgage, “If your home value increases because of market conditions, taxes will follow, and it will cost more to insure the home.” In order to determine if a higher payment is on the horizon, you may want to take a look at the listings in your neighborhood.

A Miscalculation

Most people hope that a re-assessment of the value of their home will lead to a bump in its price, but if your monthly mortgage payments were calculated at a specific time during the transaction, this bump may mean a higher monthly payment for you. If there was some overlap between the assessment and the property transfer, or other fees were included in your payment, your tax professional should be able to advise you on the best course of action you can take come tax time.

Insurance Renewal Is Up

In the event that the homeowner’s insurance on your home is about to expire, there’s a possibility that you’ll be paying a bit more following renewal. Instead of leaving this to chance, ensure that your insurance company is communicating with you and keeping you abreast of changes. After all, while insurance is important to protect your investment, you have the option of looking into other insurance providers who may be able to give you a better rate.

It can be hard to plan for the increase in rates that can go along with a variable rate mortgage, but if your insurance is up for renewal and the value of the homes in your area has increased, a higher monthly payment will likely follow. Give me a call for more information. – J.P. Cook – 602-320-4253.

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Sort by: Select Price, Low to High Price, High to Low Newer Listings First Older Listings First Open House Date

10629 E Sebring Avenue Mesa, AZ 85212

$650,000

4 Beds

2.5 Baths

2,731 SqFt

Status Active Under Contract

MLS # 6735189

Property Type Single Family Residence

Price Type --

Now available! This turnkey home is the epitome of easy living. Inside, you'll find a spacious open layout with thoughtful upgrades, modern fixtures, and a neutral color scheme. The formal front living and dining areas open to the great room with a gourmet kitchen. A large slider off the family room leads to the backyard oasis, featuring a covered patio, sparkling pool, and easy-to-maintain turf and pavers. Upstairs, you'll find a large loft, a balcony with mountain views, and generously sized bedrooms perfect for relaxing. This home is conveniently located near many of the Eastmark community features, including a quick walk to Benton Park, with it's private splash-pad, and a short drive to the AZ-202 for easy commutes. See the full list of features!

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7409 E Pleasant Run Scottsdale, AZ 85258

$650,000

3 Beds

2.5 Baths

2,688 SqFt

Status Active Under Contract

MLS # 6735895

Property Type Single Family Residence

Price Type --

Discover your perfect gem! This townhome in the desirable McCormick Ranch community, ideal for investors and offered as a short sale. This home boasts a rare main-floor master suite, large windows that flood the space with natural light, and a private patio for serene outdoor living. With only one shared wall, this corner lot offers extra privacy and easy access to the lush greenbelt. The spacious upstairs loft and two additional bedrooms provide flexible living areas. Located in the Pleasant Run subdivision, you'll enjoy top-rated schools, shopping, dining, and recreation nearby. This property is ready for your personal touches to transform it into your dream residence. Don't miss this incredible opportunity at an unbeatable price!

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6802 E Beverly Lane Scottsdale, AZ 85254

$650,000

3 Beds

2 Baths

1,428 SqFt

Status Active Under Contract

MLS # 6742060

Property Type Single Family Residence

Price Type --

Imagine living just minutes from Scottsdale Quarter, where you can enjoy some of the valley's best restaurants, world-renowned golf courses, and premier shopping. Welcome to your dream home—a perfect blend of classic charm and modern comforts, all with the freedom of no HOA restrictions. Nestled on a desirable corner lot, the property welcomes you with easy-care turf, a mature shade tree, a two-car garage, and a charming front porch. Step inside to a bright, open floor plan where natural light pours in through vaulted ceilings. A serene color palette, recessed lighting, modern fixtures, and wood-plank tile flooring create an elegant ambiance, while a stylish wooden panel wall fireplace adds warmth and sophistication. The gourmet kitchen offers ample functionality and style, featuring quartz and butcher block countertops, a chic tile backsplash, BRAND NEW white cabinetry, and a central island with a breakfast bar. The primary suite is a sanctuary, complete with a walk-in closet, a spa-inspired ensuite with dual sinks, a BRAND NEW vanity with abundant storage, a walk-in glass shower, and direct backyard access. Outdoor features include a heated pool for year-round enjoyment, and recent updates provide peace of mind with a water heater and windows replaced in 2020, and a roof, HVAC, and pool equipment all less than 10 years old. Enjoy low-maintenance living in a home that truly shines. Schedule your showing today this Scottsdale gem won't last!

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4801 E Peak View Road Cave Creek, AZ 85331

$650,000

3 Beds

2 Baths

1,987 SqFt

Status Active Under Contract

MLS # 6761544

Property Type Single Family Residence

Price Type --

Spacious corner lot with breathtaking mountain views! This expansive 3-bedroom, 2-bath residence offers a large Great Room, perfect for gathering and entertaining, and features two fireplaces — one in the cozy family room and another firepit outdoor for those starlit evenings. The bright and airy atmosphere enhances the open feel of the home, while the split primary suite provides privacy and a luxurious full bath. Enjoy the convenience of a 3-car garage, RV gate and a storage shed. The beautifully fenced backyard is an entertainer's paradise, complete with a covered patio and a private play pool. With a generous 18,654 sqft lot, your backyard is awaiting your personal touch. This property offers endless possibilities to create your perfect outdoor oasis.

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1514 E Estrid Avenue Phoenix, AZ 85022

$650,000

3 Beds

2 Baths

2,245 SqFt

Status Active Under Contract

MLS # 6747440

Property Type Single Family Residence

Price Type --

2024 Remodel Loaded with Upgrades and New A/C Unit, Picturesque Corner lot with Stunning Mountain Views, Mature landscaping, Living/Dining room features Vaulted ceilings, Clerestory windows, Plantation Shutters, & Elegant Wood-look flooring. The Cozy Family room has an inviting Fireplace for relaxing evenings. The Kitchen comes with a breakfast nook, Quartz counters, Abundant White cabinetry, a Subway tile Backsplash, SS appliances, a pantry, & an Island/Breakfast bar. The versatile den is ideal for an office, study, or a 3rd bedroom. The sizeable main bedroom offers plush carpeting, an ensuite with dual vanities, soaking tub, & walk-in closet. The serene backyard oasis includes a covered patio, stylish pavers & a lawn. Make it yours!

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12641 N 18th Place Phoenix, AZ 85022

$650,000

3 Beds

2.5 Baths

1,778 SqFt

Status Active Under Contract

MLS # 6764990

Property Type Single Family Residence

Price Type --

Spectacular hillside home perfectly situated on one of the best view lots in the Gated community of Sweetwater Vistas. From the moment you walk in the home you are greeted by the City light views of Downtown Phoenix, Scottsdale, PV, all the way up to Cave Creek/Carefree plus Four Peaks, McDowell Mountains, and countless other mountain peak views. Thoughtful great room floor plan that maximizes the view corridor while providing functional living with the primary bedroom on the main level. The kitchen has been tastefully remodeled with stunning white quartz countertops and backsplash, all new GE appliances, on trend gold faucet and cabinet hardware. The great room seamlessly transitions to the back patio where you can really appreciate everything the view has to offer with stunning 180 degree views. Brand new flooring throughout, hard surfaces are a waterproof Luxury Vinyl Plank and DreamWeaver Carpet. Large primary suite features stunning views, remodeled bathroom with separate shower and soaking tub plus generous walk-in closet. Conveniently located next to countless outdoor activities and restaurants, easy access to FWY and HWY 51, 101, and 17.

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6822 E Portia Street Mesa, AZ 85207

$650,000

4 Beds

3 Baths

2,475 SqFt

Status Active Under Contract

MLS # 6753509

Property Type Single Family Residence

Price Type --

Located in the sought-after Las Sendas Community, this corner-lot home offers unparalleled privacy with only one neighbor, 4 spacious bedrooms & 3 modern baths. Enjoy breathtaking views of Red Mountain & easy access to Usery & Salt River natural areas, teeming w/ wildlife & stunning Sonoran desert landscaping. The heart of the home - the kitchen, is a highlight with it's 2024 appliances including a refrigerator, dishwasher, range & microwave. Enhanced w/ modern sink faucets, the space is both functional & stylish. Adjacent to the kitchen, the open layout seamlessly connects to the living areas, featuring a cozy fireplace & ceiling fans for added comfort. The home also boasts recent upgrades like engineered hardwood floors, carpet & an R/O system, providing a blend of luxury & convenience. Experience the serene desert lifestyle w/ beautiful sunrises & sunsets from your balcony. Conveniently walk to Las Sendas Elementary, parks, a splash pad & a community pool. This residence offers a perfect balance of tranquility & accessibility.

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41806 N Shadow Creek Way Anthem, AZ 85086

$650,000

3 Beds

3 Baths

2,432 SqFt

Status Active Under Contract

MLS # 6759521

Property Type Single Family Residence

Price Type --

Mountain and City Lights VIEWS along with Dramatic Sunset VIEWS! This house has SOLAR panels which helps eliminate electric bills!!! CASITA with full bath and it's own HVAC unit. 2.5 car garage so you can have a spot for 2 cars and your golf cart! Courtyard with gate. Wood blinds. Custom closets. Upgraded appliance package. Gas indoor fireplace and exterior gas firepit. Washer and dryer convey. Maple cabinets. Upgraded lighting. built in BBQ in backyard. Security system. Thermal break/low E windows, water softener, and reverse osmosis. Motorized sun shades. Hot tub conveys. Beautifully upgraded backyard and courtyard. HVAC is newly updated. Rain gutters. Will feel like you're going home when you walk inside. Another turnkey opportunity in Anthem Country Club for the most discerning Buyer! This home will blow your socks off! Country Club Lifestyle with Resort Style Amenities...Anthem Country Club is managed by Club Corp which offers many great benefits to members that reciprocate around the world! Two 18 hole golf courses, Persimmons and Ironwood, designed by Greg Nash. 2 Pro shops, 2 sets of men's and women's lounges / locker rooms, 2 member restaurants, 2 gyms, 2 pools, 2 spas, several tennis courts, Gorgeous Ball Room for ongoing Member events and private events venues available as well, 2 Impressive guard gated entrances, all surrounded by breathtaking mountain and golf course views...you will love being a member of the Anthem Golf & Country Club!

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16037 W Orangewood Avenue Litchfield Park, AZ 85340

$650,000

5 Beds

2 Baths

2,016 SqFt

Status Active Under Contract

MLS # 6774268

Property Type Manufactured Home

Price Type --

Charming Farmhouse Retreat on 1+ Acre This beautifully remodeled farmhouse features 5 spacious bedrooms and 2 baths, including a master bathroom with an upgraded walk-in shower with a rainfall showerhead, a jetted tub, and wall jets for a luxurious experience. The master bedroom also includes its own private mini-split AC and heater for optimal comfort. Enjoy brand new ceiling fans throughout the home, enhancing airflow and efficiency. The fully fenced property features a five-stall barn equipped with electricity and water, ideal for equestrian enthusiasts. Additional amenities include brand new AC and appliances, front and back porches equipped with misters, and an above-ground pool with a deck. The workshop also has electricity, along with a large chicken coop and a tack shed. The irrigated land is adorned with mature fruit trees and pines, enhancing the property's appeal. Experience country living with modern amenities!

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17245 W Dartmouth Street Surprise, AZ 85388

$650,000

2 Beds

2 Baths

1,530 SqFt

Status Active

MLS # 6765989

Property Type Single Family Residence

Price Type --

BLACK FRIDAY SALE! REDUCED 1 DAY ONLY! Welcome to your New Home in the prestigious guard gated Sterling Grove Golf & Country Club community. This Craftsman Style home is a 1530 sf ft, 2 bed, 2 bath Toll Brothers Smithfield model with over $100,000 in Builder & Owner upgrades. It is light and bright and built for indoor / outdoor living. Enter the home into the expansive Great Room with a feature wall and gorgeous Kitchen, including a large island with waterfall counter, gas range, walk-in pantry, and an abundance of storage. Then head out to the private Outdoor Living Room, complete with two-sided gas fireplace and TV wall, perfect for relaxing or entertaining. As you head to the end of the hall, turn the corner into the serene Primary Suite, with oversized shower in Bath and large walk-in closet. This home is your year-round sanctuary or lock and leave winter home. Sterling Grove offers a Jack Nicklaus Design Golf Course & Country Club with majestic views of the White Tank Mountains, managed by Troon, as well as a Copper & Rye restaurant, Flora Spa, health and fitness facilities, resort style pools, lighted pickleball and tennis courts, community center, playground, and fun community events for everyone year round. Close to freeways, schools, dining, and shopping. Visit this home today to experience luxury living in the West Valley.

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3460 E Azalea Drive Gilbert, AZ 85298

$650,000

4 Beds

3 Baths

2,087 SqFt

Status Active

MLS # 6778428

Property Type Single Family Residence

Price Type --

Welcome to your dream home! This beautifully upgraded 4-bedroom, 3-bathroom residence boasts just under 2,100 square feet of luxurious living space. Step inside to discover an open and airy layout, perfect for entertaining and family gatherings. The modern kitchen features stainless steel appliances, elegant granite countertops, and stylish backsplash, making it a chef's paradise. Relax in your private oasis with a sparkling pool, surrounded by a beautifully landscaped yard—ideal for summer fun or quiet evenings under the stars. The Bridges community in Gilbert, AZ offers a serene atmosphere, amenities, complete with scenic views and friendly neighbors.

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16600 N Thompson Peak Parkway Unit 1053 Scottsdale, AZ 85260

$650,000

3 Beds

2 Baths

1,674 SqFt

Status Active Under Contract

MLS # 6774524

Property Type Townhouse

Price Type --

Ground floor unit all one level, city light views, 3 bed, 2 bths, remodeled throughout, quartz countertops, large format tile flooring, shutters in greatroom, gas fireplace, and 2 patios. Steps from community pool, spa and fitness workout room. Walking distance to Basha's Supermarket, restaurants, salons, and animal clinic. Close to hiking trails and golf. Access to McDowell Mtn community pools, including lap pool, spas, tennis and pickleball courts, playground and events. Aquatic center near by with skate park, lap pool and fitness center.

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