Whether You Rent or Buy, Either Way You’re Paying a Mortgage!

There are some people who have not purchased homes because they are uncomfortable taking on the obligation of a mortgage. Everyone should realize, however, that unless you are living with your parents rent-free, you are paying a mortgage – either yours or your landlord’s.

As Entrepreneur Magazine, a premier source for small business, explained in their article, “12 Practical Steps to Getting Rich”:

“While renting on a temporary basis isn’t terrible, you should most certainly own the roof over your head if you’re serious about your finances. It won’t make you rich overnight, but by renting, you’re paying someone else’s mortgage. In effect, you’re making someone else rich.”

Christina Boyle, Senior Vice President and head of the Single-Family Sales & Relationship Management organization at Freddie Mac, explains another benefit of securing a mortgage as opposed to paying rent:

“With a 30-year fixed rate mortgage, you’ll have the certainty & stability of knowing what your mortgage payment will be for the next 30 years – unlike rents which will continue to rise over the next three decades.”

As an owner, your mortgage payment is a form of ‘forced savings’ which allows you to build equity in your home that you can tap into later in life. As a renter, you guarantee the landlord is the person building that equity.

Interest rates are still at historic lows, making it one of the best times to secure a mortgage and make a move into your dream home. Freddie Mac’s latest report shows that rates across the country were at 4.22% last week.

Bottom Line

Whether you are looking for a primary residence for the first time or are considering a vacation home on the shore, now may be the time to buy. Give me a call to get started – J.P. Cook – 602-320-4253.

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29121 N 105th Street Scottsdale, AZ 85262

$2,795,000

4 Beds

4.5 Baths

4,486 SqFt

Status Active

MLS # 6686109

Property Type Single Family Residence

Price Type --

Step into your future sanctuary! Nestled within Candlewood Estates Troon North in Scottsdale, this modern retreat, slated for construction commencing in May 2024, which promises comfort and elegance. Boasting 4 bedrooms, 4.5 bathrooms, and a den/office space, it's designed to cater to your every need. Embrace the feeling of spaciousness with soaring 14-foot ceilings that grace all primary areas, enhancing the sense of openness throughout. Each bedroom offers a private haven, complete with its own luxurious ensuite adorned with bespoke tile finishes for a touch of refinement. Each bedroom also has a private patio. Indulge in the seamless blend of indoor and outdoor living as floor-to-ceiling pocket sliders seamlessly connect the living area to a generously sized covered patio with a two-way fireplace, perfect for cozy evenings under the stars. Enjoy another additional outdoor patios provide even more spaces to unwind and entertain. Outside, discover meticulously crafted desert landscaping in the front yard, while the backyard presents a canvas for you to design your dream oasis. Luxury knows no bounds with upscale amenities including custom cabinets, waterfall kitchen countertops, Dacor appliances, wine fridge, a Vector fireplace in the master bedroom, and exquisite wood flooring. There are 11 skylights throughout home and on patios. With the opportunity to personalize finishes, this home invites you to create a bespoke masterpiece, seamlessly blending indoor and outdoor living.

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8509 E Malcomb Drive Scottsdale, AZ 85250

$2,795,000

5 Beds

4.5 Baths

4,474 SqFt

Status Active

MLS # 6777209

Property Type Single Family Residence

Price Type --

Thomas James Homes presents this beautiful NEW BUILD pre-construction residence! Take advantage of the opportunity to select some interior finishes during early stages of construction! Sitting on a cul-de-sac surrounded by new construction in a highly desirable Scottsdale neighborhood, this beautiful 5 bedroom, 4.5 bathroom modern home is the definition of exceptional design. On the first story an inviting courtyard brings the outdoors inside while working in the office. The game room, and 2 covered patios lend themselves to entertaining and making family memories, & a full ensuite bedroom will make guests feel pampered. On the second story, a covered terrace, a loft and flex space along with 4 other bedrooms are sure to check all the boxes. Don't miss out to own NEW next door to OLD TOWN

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4634 E Calle Del Norte -- Phoenix, AZ 85018

$2,795,000

4 Beds

3.5 Baths

4,087 SqFt

Status Active Under Contract

MLS # 6763616

Property Type Single Family Residence

Price Type --

GREAT OPPORTUNITY TO OWN OVER 1/2 ACRE IN ARCADIA FOR UNDER $3M!!! Over 4,000 SF, this 4 Bedroom, 3.5 Bath Home sits on a Very Desirable Street with Backyard Views of Camelback Mountain. Come and tour this beautiful home in the heart of Arcadia, one of Phoenix Valley's most sought-after neighborhoods. As you enter, you're welcomed by an expansive great room with soaring ceilings, elegant wood beams, and a charming brick fireplace. The home boasts wood floors throughout. The kitchen is equipped with Viking appliances, an oversized island, & granite counters. The primary bedroom offers a luxurious retreat with a full bath, separate shower, soaking tub, 2 walk-in closets, & a cozy sitting area. French doors lead out to the large backyard, complete with mature landscaping & sparkling pool.

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8701 E Remuda Drive Scottsdale, AZ 85255

$2,795,000

5 Beds

5.5 Baths

4,278 SqFt

Status Active

MLS # 6758247

Property Type Single Family Residence

Price Type --

Stunning remodeled Scottsdale home with breathtaking mountain views! This exquisite single-level home located on an acre corner lot offers a split floor plan with 5 ensuite bedrooms, designer upgrades, & incredible outdoor spaces that capture the essence of Arizona living. The kitchen has been beautifully remodeled with quartz countertops & custom cabinetry. The spacious primary suite offers direct access to a private patio with heated spa & outdoor shower. Enjoy stunning desert mountain views from your expansive backyard featuring a heated pool, covered sitting area, a fire pit, & a large turf area with putting green. Close proximity to top-rated schools, fine dining, shopping, & world-class golf courses.

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150 Crystal Sky Drive Sedona, AZ 86351

$2,795,000

4 Beds

6 Baths

4,992 SqFt

Status Active

MLS # 6687412

Property Type Single Family Residence

Price Type --

Majestic, panoramic Red Rock Views that will take your breath away the minute you step inside this luxury custom home on prestigious Crystal Sky in the Sedona Golf Resort. With soaring 12-foot ceilings, exquisite travertine flooring, and a stunning stacked stone fireplace, this residence epitomizes the epitome of sophistication. Its open and spacious floor plan, adorned with plenty of windows, floods the interiors with natural light. All main living on one level including primary suite with romantic fireplace for ambience as well two ensuites bedrooms and office/bedroom. Situated on the lot to capture the most spectacular panoramic red rock views and backing to National Forest for privacy, this home was perfectly built to capture all that Sedona has to offer. Indulge in evenings spent sipping wine on the front deck, basking in the splendor of magnificent sunsets. The backyard oasis captivates with a stunning koi pond/swimming pool, complemented by a brand new built-in BBQ center and a kiva fireplace. Surrounding this oasis is a supreme gardener's paradise, featuring two raised vegetable beds, an array of fruit trees, and multitude of planted flowers. Discover numerous special retreats within, including a library, a controlled wine cooler, and an entertainment area downstairs, accompanied by ample storage space. A separate private yoga/art studio with a walkout rooftop deck. The property includes a spacious 3-car garage, enhanced with upgraded lighting featuring full-spectrum LED lighting strips. This home has been meticulously maintained with an extensive list of upgrades listed separately. Don't miss the opportunity to make it yours.

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11124 E Del Timbre Drive Scottsdale, AZ 85259

Open House

$2,785,000

5 Beds

4 Baths

4,297 SqFt

Status Active

MLS # 6753067

Property Type Single Family Residence

Price Type --

VIEWS, VIEWS, VIEWS!! 2024 Completely Renovated Single Level Home nestled at the end of a Private Cul De Sac in Prestigious HillCrest at Scottsdale Ranch**RARE FIND Oversized Private Quiet Lot, Away from Noise & Traffic**Stunning Yard Pebble Pool & Spa & Huge Grassy Area**13 Foot WALL OF RETRACTABLE DOORS expands Great Room to a Perfect Indoor/Outdoor Living Experience! New Kitchen w/ Stacked Cabinetry**WOLF Appliances GAS Cooktop, Speed Oven & Convection Oven**''Gorgeous Slab Counters** Built in Bar w/ wine frig**Wide Plank HARDWOOD Flooring*New Master Bath Large Format Tile**Custom Built in Master Closet**High Ceilings**Split Floorplan*3 CAR SIDE ENTRY GARAGE EPOXY FLOOR W/ OVERSIZED SLAB perfect to park your Scottsdale Luxury cars!*NEW ROOF**NEW A/C's**Fabulous Home & Lot, Just Move in City of Scottsdale owned land across the street affords extra privacy and no traffic. Lots like these are Rarely for Sale! Hurry Don't Miss this Once in a Life Time Opportunity to Own this Exquisite Home & Exceptional Lot! Stunning Renovation just completed....Just Move In!

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11415 E Dreyfus Avenue Scottsdale, AZ 85259

$2,775,000

4 Beds

4.5 Baths

5,612 SqFt

Status Active

MLS # 6555062

Property Type Single Family Residence

Price Type --

Modern luxury audiophile home perched high on a rare hillside Ancala lot nestled into the luxurious hills of North Scottsdale's most sought-after golf community. From your negative edge pool, enjoy the cool sunset breeze, and watch the twinkle of the city lights blend with the desert starscape. Impress friends & family with a functional & fun floorplan, room for 3 cars, fine finishes, top-of-the-line appliances, stonework, wood paneling, 4 fireplaces, 2 wet bars, & private bathrooms for every bedroom. From your smartphone transform the lower-level into an immersive audio-visual adventure in opulent sound, operate interior & exterior audio systems, mood lighting, window shades, cameras, televisions, door locks, & more. It's all user-friendly & supported by your own personal system advisor.

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7520 S Estrella Parkway Goodyear, AZ 85338

$2,775,000

4 Beds

4 Baths

4,600 SqFt

Status Active

MLS # 6719816

Property Type Single Family Residence

Price Type --

Beautiful Mid-Century Estate offering a blend of luxury, privacy & investment potential! SELLER FINANCING AVAILABLE! An Entertainers Dream perfectly situated atop 5 mountainside acres with panoramic views of the Phoenix Skyline. Enter an inviting foyer with soaring ceilings setting the tone for the elegance found throughout. Natural light floods the bright kitchen & dining area. The family room boasts vaulted ceilings & a cozy fireplace. The living space comprises 4 bedrooms, 2 flex rooms & 4 bathrooms. Outside enjoy Palm Trees, BBQ Island, Fire Pits & a Cooled Patio Room +Entertainment Barn w/AC! Zoned commercial/residential PAD, Underground power/city water/gated driveway. No HOA. 220V EV Charger in Garage. Perfect for Business or Private Estate. 10 additional acres MLS: 6719816

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26924 N 35th Lane Phoenix, AZ 85083

$2,750,000

5 Beds

4.5 Baths

4,776 SqFt

Status Active

MLS # 6741410

Property Type Single Family Residence

Price Type --

NEW HOME TO BE BUILT!!! Wake up in the home of your dreams! Collaborate with Arizona's most acclaimed architects and planners to create a new way of living in North Phoenix. Nestled just north of Happy Valley, this 4,776-square-foot property offers breathtaking mountain and city light views within the prestigious gated community of Deem Hill Estates. This luxurious home includes an 875-square-foot guest suite, complete with a kitchen, living area, full bath, laundry room, and separate garage. The main house features an expansive master suite with a huge walk-in closet, two bedrooms with Jack and Jill bath and walk-in closets, a separate office, and a mudroom. The second floor boasts a spacious concept room with a walk-in closet and full bath. Experience unparalleled elegance and comfort in this exclusive hillside community. Seamlessly transition from indoors to a resort-style outdoor space via multi-slide doors, where a shimmering pool, state-of-the-art BBQ, chic bar, firepit, and a cozy gas fireplace await. For peace of mind, it's pre-wired for security and cameras. Just moments away from schools, exclusive shopping, and the renowned TSMC facility.

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28080 N 101st Street Unit 116 Scottsdale, AZ 85262

$2,750,000

3 Beds

3 Baths

2,846 SqFt

Status Active

MLS # 6696862

Property Type Single Family Residence

Price Type --

Enjoy the luxury of the LaScala Terracina home, located in the prestigious Estancia community with prime southeast exposure. This residence features a sophisticated office space and a custom-built entertainment cabinet. The patio is equipped with a spa and a gas grill for optimal relaxation and entertaining. The home showcases a classic European design, highlighted by meticulous attention to detail and the use of high-quality materials and finishes. Estancia offers residents exclusive amenities, including a championship golf course, state-of-the-art fitness center, and private access to hiking trails. The gated community ensures privacy and security, making it a perfect sanctuary for those seeking a luxurious and peaceful living environment.

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7914 E Softwind Drive Scottsdale, AZ 85255

New

$2,750,000

5 Beds

4.5 Baths

5,854 SqFt

Status Active

MLS # 6786609

Property Type Single Family Residence

Price Type --

A recently updated 5,854 square foot single-story Santa Barbara style estate featuring 5 bedrooms, a den, an attached recreation room with a private entrance, 4 full baths, 2 powder rooms and a 3-car garage in the prestigious gated community of Vista Monterey in North Scottsdale on a 1.039-acre lot. Upon arrival a gorgeous courtyard welcomes you. The spacious floor plan with high ceilings, large windows, covered with plantation shutters, allowing the natural light to brighten the home. The kitchen is an entertainer's delight with oversized island and finely crafted cabinets. This immaculate home offers a split floor plan, with the primary bedroom located on the West side and five large bedrooms, 3 full baths, extra-large playroom, plus a den on the East side of the property. The lavish primary bedroom boasts a sitting area, a full bath with upgraded his and her closets, separate shower and a tub. Every toilet in the house was replaced by the smart Toto toilets. The resort-style backyard complete with a lagoon-like swimming pool with a real rock water fall with a slide, grotto, a spa, fireplace, fire pit alongside the spa, outdoor shower, built-in BBQ and an expansive grass area. There are natural space buffers around the home providing remarkable privacy. The location provides quick access to shopping, restaurants, several parks, premier hiking trails, golfing and the 101 freeway.

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6450 E Fanfol Drive Paradise Valley, AZ 85253

$2,750,000

4 Beds

2.5 Baths

3,465 SqFt

Status Active

MLS # 6780683

Property Type Single Family Residence

Price Type --

PARADISE VALLEY CANVAS: START CREATING YOUR DREAM! Rare opportunity to customize & build your dream home in a quiet & peaceful neighborhood in coveted PV. A classic mid-century modern w/ butterfly roof, stacked stone, and horseshoe paver driveway is perfectly positioned on an oversized North/South lot! The property is currently taken down to the studs, but has a resort pool, & built-in BBQ, and abundant room to build a sport court/pickleball court, guest casita, addt'l garages, or the farm-to-table garden of your dreams! Near Scottsdale's Three C's Schools, Gainey Hyatt Resort, developing Ritz-Carlton, shopping, dining & endless entertainment! Full AIA architectural plans designed to expand the existing home to 5,824sqft are ready for permit submission & available w/ the sale.

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