Buy Your Home Today: Understanding Why It’s a Bad Idea to Try and Time the Mortgage Market

It’s often the case that people will opt to postpone home ownership until the best rates are available or it’s a more stable investment, but in an ever-shifting market it may not be the best decision to put such a sizeable investment off. If you’re wondering whether or not you should put off investing in a home, here are some reasons you may want to start putting your time into searching for a home.

Interest Rates Always Fluctuate

While interest rates are constantly changing and have certainly risen since the economic recession of 2008, they still remain relatively low and this can make investing in a home an even better financial decision. There are no certainties that market rates will remain low, but given a lower monthly payment and the easier qualifications nowadays to acquire a loan, the present may be the best time to start investing in your own place.

Investing Early Reaps Financial Rewards

It’s easy enough to wait for a lower home price or even improved interest rates, but there is no guarantee that the market will shift down. In the meantime, you may be spending at lot of your monthly paychecks on rent. If home ownership is one of your goals in life and you’re living month to month with a high rental payment, investing money into a home is a sure way to gaining equity for the future, even in the event that the market shifts up.

It’s A Good Time To Buy

When it comes to the market, there may always be a time coming when you’ll get a better deal, but the fact remains that homes tend to remain on the market a lot longer these days and it’s largely a buyer’s market. There are no guarantees that you’ll be able to find the house you want at the price you can afford, but there are a lot of good deals to be found these days and investing sooner is an opportunity to reap financial rewards down the road.

Many people hold off on home ownership because they are waiting for prices to come down or interest rates to change, but the sooner you invest in a home, the more you can benefit from investing into something that is entirely your own. If you’re currently perusing the market for a home at a price you can afford, give me a call – J.P. Cook – 602-320-4253.

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3079 N Princeton Drive Florence, AZ 85132

$515,000

5 Beds

4 Baths

2,883 SqFt

Status Active

MLS # 6697837

Property Type Single Family Residence

Price Type --

Embrace the grandeur of this incredible 5-bedroom home nestled on a sprawling lot within a picturesque subdivision, boasting breathtaking mountain views and an array of outstanding features! This two-story residence features a spacious interior, separate den, generously sized bedrooms, and great room, provide ample room for everyone. One of the the standout features is the expansive lot, which backs to a common area, ensuring privacy and tranquility with no neighbors behind. The backyard is a true oasis, complete with a sparkling pool, a charming pergola, and citrus trees. Inside and out, this home offers exceptional entertainment options, with surround sound that extends to the patio, allowing you to create the perfect atmosphere for gatherings. The convenience of keyless front door

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1572 Mission Viejo Drive Sierra Vista, AZ 85635

$515,000

5 Beds

3 Baths

2,779 SqFt

Status Active

MLS # 6698059

Property Type Single Family Residence

Price Type --

This gorgeous 5 bedroom & 3 bathroom home on over a quarter of an acre in the desirable Coronado Crossing neighborhood feels like a model home! The exterior of the home has fresh paint (2023), mature trees & flowers, shutters, a beautiful custom security screen door, & an additional driveway that leads to oversized covered parking for your RV or boat! When entering you will appreciate the vaulted ceilings, premium wood look tile in all the right places, an open layout & a gorgeous custom stone fireplace as the center of the home. The kitchen is bright & airy with an eat-in area, large windows, granite countertops, newer stainless appliances (double oven included), and a wall full of cabinets. This home has a large formal dining room, separate family room/den... granite countertops in all the bathrooms, spacious bedrooms, 2 AC units, newer hot water heater, smart thermostats, & so much storage! In the backyard you will find a covered patio, large grass area, a garden, beautiful native plant by design border the common areas, fruit trees, a custom chicken coop, raised garden beds, & storage shed!

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445 Starlight Lane Wickenburg, AZ 85390

$515,000

2 Beds

2.5 Baths

2,052 SqFt

Status Active

MLS # 6699153

Property Type Single Family Residence

Price Type --

Well kept home on a large lot. Quiet cul-de-sac location. Two master bedrooms along with a 1/2 bathroom for guests. Large Kitchen with double ovens, and a cook top in the island. Plenty of cabinets and counter top space. Pella windows. Oversized two car garage. Well landscaped with large back yard.

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11117 W Sunflower Place Avondale, AZ 85392

$515,000

4 Beds

2 Baths

2,223 SqFt

Status Active

MLS # 6700938

Property Type Single Family Residence

Price Type --

THIS IS THE ONE! * Private Pool + 4 Bedrooms + 2,233 sq.ft. in the sought after GARDEN LAKES Neighborhood! * Gorgeously REMODELED and Shows like a MODEL Home * Designer Touches T/O * Quartz Kitchen Counters. Stainless Steel Appliances * All NEW Flooring & Tall Baseboards * Fresh Interior & Exterior Paint. NEW Fixtures t/o. LARGE Master Bedroom w/ Two Closets * Separate Family, Living, and Dining Rooms ** NEW ROOF ** NEW A/C in 2023 * GREAT SCHOOLS * Dual Pane Windows * Large Patio for Entertaining * POOL just Acid Washed & Serviced, Ready for the Summer! * Near the LAKES/Greenbelt/Playground/Sport Court/Walking Paths * MOVE-IN READY! ** Ask About Our Current BUYER INCENTIVES **

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5613 W Carson Road Laveen, AZ 85339

$515,000

4 Beds

2 Baths

2,354 SqFt

Status Active

MLS # 6701982

Property Type Single Family Residence

Price Type --

Spacious 4 bedroom single story home in the gated community of Cottonfields. The interior has been newly painted and new flooring has been installed in 2024. Brand new water heater has been installed in 2023. The home is conveniently located in a growing neighborhood with many retail businesses near by. Close to Loop 202, shopping, and restaurants. The low maintenance backyard makes it easy to enjoy Arizona's beautiful weather.

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3919 W Buckskin Trail Phoenix, AZ 85083

$515,000

3 Beds

2.5 Baths

1,656 SqFt

Status Active

MLS # 6703305

Property Type Single Family Residence

Price Type --

Magnificent 3-bedroom, 3-bathroom abode featuring vaulted ceilings and expansive windows in the spacious great room and formal dining area. The kitchen boasts a convenient breakfast bar for casual dining. The master bedroom includes a generous walk-in closet. Step outside to enjoy the covered patio and refreshing pool. The property offers a charming mix of lush front lawn and low-maintenance desert landscaping in the backyard. Conveniently located within walking distance to a strip mall and close to golfing and hiking trails, offering a perfect blend of comfort and convenience. You need to see this today!

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10442 W Cordes Road Tolleson, AZ 85353

$515,000

5 Beds

3 Baths

3,021 SqFt

Status Active

MLS # 6703269

Property Type Single Family Residence

Price Type --

Discover this stunning 5br 3 bathroom home in the desirable Park Forest neighborhood of Tolleson, AZ. Constructed in 2020, this property offers over 3,000 square feet of meticulously designed open-plan living space, perfect for modern lifestyles. Features include a spacious 3 car garage, a securely fenced backyard and a covered patio ideal for outdoor enjoyment. Inside, you'll find luxurious granite countertops and ample storage options. The layout includes a convenient main floor bedroom and office, perfect for work from home arrangements. The upstairs area boasts a versatile bonus room suitable for a gym, media center or craft area. Additional comforts include tiled flooring, ceiling fans in each bedroom and air conditioning to ensure year round comfort. Ideal luxury & practical home.

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144 W Pierson Street Phoenix, AZ 85013

New

$515,000

2 Beds

1 Bath

1,063 SqFt

Status Active

MLS # 6705717

Property Type Single Family Residence

Price Type --

Uptown living in the heart of North Central Phx! This adorable home offers comfortable living w/ incredible upgrades including newer HVAC, kitchen appliances, LTV flooring & a She Shed/Man Cave that is beyond cool. Family room is spacious & cozy with a charming fireplace & room for dining. The kitchen has been upgraded w/ newer stainless steel appliances, lighting, white cabinets & solid surface countertops. Inviting backyard w/ a chill pool offering upgraded equipment as of 2021, refreshed landscaping & large covered patio. The Shed/Cave offers so many options; office, workout room or guest quarters. Amazing location w/ easy access to incredible schools, light rail & downtown. The interior & exterior were painted in 2021. Carport roof replaced in 2024. See docs tab- upgrades & floor pla

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3378 E Merlot Street Gilbert, AZ 85298

New

$515,000

3 Beds

2 Baths

1,665 SqFt

Status Active

MLS # 6707461

Property Type Single Family Residence

Price Type --

Fantastic corner lot with North/South exposure in prestigious Seville Golf & Country Club. Beautiful travertine in main areas and carpet in the bedrooms. Eat in kitchen is complete with center island, breakfast bar and granite countertops. Large master suite has carpet with ceiling fan and a picture window. Full bathroom with double sink vanity. Spacious walk in closet! Very private backyard features a covered patio with pavers and the perfect amount of grass.

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4040 W Coneflower Lane San Tan Valley, AZ 85144

$515,000

4 Beds

3 Baths

2,027 SqFt

Status Active

MLS # 6703042

Property Type Single Family Residence

Price Type --

This rare find will surely impress you! Discover this incredible 4-bedroom property in the popular San Tan Ridge awaiting its new owners! The inviting interior features an immaculate open layout filled w/abundant natural & lovely light fixtures, tall ceilings, & wood-style vinyl flooring. Cozy family room is ideal for intimate gatherings. Kitchen is equipped with a gas cooktop, granite counters, recessed lighting, staggered wood cabinetry w/crown molding, tile backsplash, a walk-in pantry, & an island w/a breakfast bar. Retreat to the carpeted main suite that boasts a private bathroom with dual sinks & a walk-in closet. The backyard invites you to relax & have fun! Providing a covered patio overlooking a fantastic mountain view & a refreshing pool w/a built-in basketball hoop. Act now!

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6237 E Inglewood Street Mesa, AZ 85205

New

$515,000

3 Beds

2 Baths

1,933 SqFt

Status Active

MLS # 6706570

Property Type Single Family Residence

Price Type --

Come and take a look at this beautiful 3 bedroom 2 bath completely remodeled home! It sits in the fine neighborhood of Sonata, an HOA-free community. It is conveniently located in east Mesa and within minutes of easy freeway access, Mesa Community College, and multiple golf courses. It is perfect for the outdoor enthusiast with great hiking and fishing close by. If you're looking for space, you've come to the right place! This home flows perfectly between the large and inviting living room with vaulted ceilings to the kitchen with beautiful Quartz counters and stainless steel appliances, then to the family room complete with a wood-burning fireplace. The backyard features a beautiful and inviting swimming pool as well as a green grass area. So many upgrades to see for yourself! The windows, roof, and a/c are 5 years old. The water heater is 2 years old, they installed all new kitchen and flooring throughout, a complete master bathroom remodel and the pool was put in 2020.

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4032 W Lydia Lane Phoenix, AZ 85041

$515,000

6 Beds

2.5 Baths

3,370 SqFt

Status Active

MLS # 6706590

Property Type Single Family Residence

Price Type --

You've finally found the one! This spacious 6-bedroom, 2.5-bath residence is complete with a 2-car garage, tasteful stone accents, and a welcoming front porch. The living room features high ceilings, a soothing palette, durable tile flooring, and a two-way fireplace that also overlooks the family room. The kitchen comes with granite counters with matching backsplash, abundant wood cabinetry with crown moulding, recessed lighting, stainless steel appliances, a walk-in pantry, and a large island with a breakfast bar. The main bedroom offers a romantic fireplace and an ensuite with dual vanities, a jetted tub, and a walk-in closet. The sizeable backyard displays a full-length covered patio and ample space for creating your dream oasis. See this gem today!

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