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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523 S 201st Avenue Buckeye, AZ 85326

$538,000

6 Beds

5 Baths

3,412 SqFt

Status Active

MLS # 6651181

Property Type Single Family Residence

Price Type --

Discover the allure of this 6-bed, 5-bath retreat nestled in Buckeye! Crafted in 2020, this two-story sanctuary boasts a 2-car garage, RV gate, and a delightful desert front yard. Inside, bask in natural light amid tile/carpet flooring and a serene neutral decor. The kitchen dazzles with white shaker cabinets, generous counters, chic backsplash, and an inviting island breakfast bar. Upstairs, a spacious loft offers flexibility. The downstairs main suite features a walk-in closet and pristine ensuite with dual sinks and a tiled shower. Additional bedrooms boast walk-in closets. Step outside to a covered/extended paver patio, perfect for unwinding. Seize this gem with just a call!

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16423 W Avenida Del Sol -- Surprise, AZ 85387

$537,995

3 Beds

2.5 Baths

2,400 SqFt

Status Active

MLS # 6700766

Property Type Single Family Residence

Price Type --

Beautiful Included features - Celeste Floor Plan: covered entry; an open dining area; study with double doors; a gourmet kitchen, quartz countertops, 42'' cabinets, stainless-steel appliances, walk-in pantry, double patio doors at nook, spacious great room; master bath with shower and tub; 3-car tandem garage. 10' ceilings and pavers at drive/walkway.

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32151 N Saddlehorn Drive San Tan Valley, AZ 85140

$537,990

5 Beds

4.5 Baths

2,988 SqFt

Status Active

MLS # 6787511

Property Type Single Family Residence

Price Type --

Nestled in the desirable city of San Tan Valley, this stunning 2-story home spans 2,988 square feet and features 5 bedrooms, 4.5 bathrooms, a spacious loft, and a 3-car tandem garage. Upon entry, you'll find a bedroom and a full bath to the left, with the great room, illuminated by a large 4-panel sliding glass door, brightening both the dining nook and kitchen. This home, part of the Harmony Collection, showcases 42'' upper shaker-style white cabinets, quartz countertops, a matching backsplash, and stainless steel appliances. Additional features include a rough-in for a soft water loop, washer, dryer, fridge, and blinds throughout. Upstairs, the expansive primary suite boasts a large walk-in closet, double sinks, and a linen closet, while the generous laundry room is conveniently located off the large loft. Each of the other bedrooms has its own walk-in closet and shares two full bathrooms. The spacious backyard offers ample room for a pool and more.

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1541 E Redwood Place Chandler, AZ 85249

$537,500

3 Beds

2 Baths

1,715 SqFt

Status Active

MLS # 6785978

Property Type Single Family Residence

Price Type --

This beautiful single-level residence in Saguaro Canyon has meticulously-maintained interior features tile flooring, designer palette, & archways. Spacious open floor plan bathed in natural light boasts surround sound, which is fantastic for entertaining & everyday living. Recessed lighting, abundant cabinetry topped w/crown moulding, a pantry, SS appliances, a center island w/a breakfast bar, & granite counters complete this spotless kitchen. You'll LOVE the romantic main bedroom equipped w/plush carpet, plantation shutters, an ensuite w/dual sinks, & a mirrored door closet. Brand new Trane AC unit that was installed in 2024! PLUS! Open den is ideal for work or play. With its covered patio, the generous-sized backyard is the perfect spot for hosting unforgettable activities!

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