3 Tips for Planning Your Monthly Mortgage Payment

3 Tips for Planning Your Monthly Mortgage PaymentOnce you’ve purchased a home and decided on a move in date, it may seem like a lot of the hard stuff is over, but you still have one of the most important things relating to such a large purchase to think about: the payments! If you’re looking for a few tips on ways to approach your monthly payment, the following will steer you in the right direction so you can broach your mortgage schedule successfully.

Set Up A Payment Schedule

Many people have been in the situation of neglecting their phone or credit cards by forgetting about the payment due dates, but this can cause a lot of strife when it comes to an investment as large as your home. Instead of leaving it to chance, choose a day each month and ensure that your bank is transferring the funds over automatically so you never have to worry about missing a payment. This will help you retain a reputation as a responsible borrower and it means you won’t have to deal directly with this important expenditure each month.

Be Aware Of Ways To Pay

Instead of being in the dark about ways to pay your mortgage each month, talk to your bank about your options for making your monthly payments in a timely, hassle-free manner. Before you get into the nitty-gritty of home ownership, look into this as soon as you’ve signed off on the papers so you know the best way to approach each month. This will prepare you for your approximate total mortgage payment.

Is It Really Affordable?

If you’re associated with a lender you trust, you’ve probably already been made aware of the amount of house you can and can’t afford, but ensure you’ve sat down and thought about what all the added interest on your home means. While it can certainly be a huge financial commitment for anyone to commit to a monthly mortgage payment, being able to swing the expense consistently is the difference between financial well-being and a purchase you’ll come to regret.

Making the decision to invest in a home can be one of the most exciting things you’ll commit to in adulthood, but ensure you’re aware of just what your monthly mortgage means so that it’s not something you’ll look back on. If you’re currently on the market for a home, give me a call – J.P. Cook – 602-320-4253.

5610 W Willow Ridge Drive Laveen, AZ 85339

$447,990 - 4Br/3Ba -  for Sale in Estrella Crossing, Laveen
New
$447,990
4 Beds
3 Baths
1,912 SqFt
Status Active
MLS # 6683276
Property Type Single Family Residence
Price Type --
Beautiful Brand New Home in a Highly Desirable Central Location - Featuring countless upgrades such as 9' ceilings, Shaw - Milan - Surf 17x17 Tile, Granite countertops in the kitchen. Whirlpool Stainless steel appliances. White cabinets. Energy-efficient features throughout, Programmable thermostat, gas heater, gas range. Spacious walk-in closet in owners suite. Front yard landscaping, covered patio in the backyard. Spectacular Mountain Views! Minutes from downtown Phoenix in a master-planned community featuring walking trails, greenbelts, neighborhood parks and playgrounds. Conviniently located off the Loop 202 and near schools, shopping and dining!

11496 W Arron Drive Youngtown, AZ 85363

$447,900
3 Beds
2 Baths
1,795 SqFt
Status Active
MLS # 6655387
Property Type Single Family Residence
Price Type --
3 bedrooms, 2 bath, and all of the space you could imagine makes this floor plan the perfect home for you! This new home comes filled with upgrades including a full suite, stainless steel energy-efficient kitchen appliances, beautiful granite countertops, stunning wood cabinets, designer light fixtures, and an attached two-car garage. The Prescott floor plan also showcases a private master suite complete with a walk-in closet, as well as a spacious kitchen with walk-in pantry, fully fenced backyard, covered patio and front yard landscaping. As an added bonus, this home has a separate den off the entryway, giving you space for a formal dining room or home office. Whatever your heart desires, the Prescott is sure to have it! Enjoy the view of the White Tank Mountains from your NEW home!

15311 W Dreyfus Street Surprise, AZ 85379

$447,900 - 4Br/3Ba -  for Sale in Marley Park, Surprise
Open House
$447,900
4 Beds
2.5 Baths
2,182 SqFt
Status Active
MLS # 6628799
Property Type Single Family Residence
Price Type --
Welcome to one of the most idyllic communities in Surprise, original Marley Park. The community pool is around the corner, and one of 18 unique parks is right out your door. Don't forget the manicured rolling grassy areas that you are welcome to enjoy... without the maintenance. The calendar is full of events all year round, with a ton of activities for the kids. Walk to one of the top-rated schools in the area (.6 mi), while enjoying the craftsman architecture and mature trees. This 4 bed/ 2.5 bath home is one of the original models. ALL appliances included! Downstairs you'll find formal dining space, an open kitchen, granite counters, and plantation shutters. Primary bedroom is on the main level, with three bedrooms upstairs. Less than 5 min to the 303 and Prasada shopping

17642 W Colter Street Litchfield Park, AZ 85340

$447,805
4 Beds
2.5 Baths
1,960 SqFt
Status Active
MLS # 6666776
Property Type Single Family Residence
Price Type --
Up to 2% of total purchase price towards closing costs incentive offer. Additional eligibility and limited time restrictions apply. MLS#6666776 July Completion. Discover the Harlow at Allen Ranches: a spacious 1-story layout spanning 1,960 sq. ft. with 4 beds, 2.5 baths, a 2-car garage, and a study. It's the largest among the single-story options, ensuring satisfaction. Step into the foyer leading to a dreamy home office. Explore further to find an open kitchen, casual dining, and great room space. Embrace Arizona's beauty from your own outdoor haven. The owner's suite boasts a private bath with double sinks and a walk-in closet, offering an ideal retreat. Design options include: upgraded gas range, wood look 6 x36 wood look plank, shaker style cabinets, and custom tile backsplash