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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2501 W Wickenburg Way Wickenburg, AZ 85390

$61,900

2 Beds

2 Baths

1,632 SqFt

Status Active

MLS # 6626947

Property Type Manufactured Home

Price Type --

Unique 2 bdrm 2 bath + den, ground floor home w/ built-on slab 3rd extension for 1632 sf of inside living space w/ plenty of windows. Fantastic curb appeal w/ rustic brick wainscot & wrap-around brick retaining wall for shrubs, a garden, use your imagination. 2-car carport w/ matching aluminum privacy lattice from ground to roof, site-built workshop, open patio w/ wood railing, great for grilling. Spacious living room w/ dining area, kitchen, pantry, inside laundry. Main bdrm w/ built-in dresser, plenty of closet space. Walk-in closet in 2nd bdrm. Full bathroom in common area. Comes w/ washer, dryer. Free Cox cable provided by Westpark. You'll just love this home in highly desirable Westpark 55+ active adult community w/ heated pool/spa, tennis, shuffleboard, fitness center, rec room.

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747 E Germann Road San Tan Valley, AZ 85140

$61,500

2 Beds

1.5 Baths

750 SqFt

Status Active

MLS # 6670594

Property Type Manufactured Home

Price Type --

Neat as a pin! This 2BR 1 1/2 bath home is quite unique. It's located on a large corner lot in Pleasant Valley, a 55+ Manufactured home park. It's all here, completely furnished down to the dishes and silverware. The kitchen is adorned with beautiful cabinets, tile counters, a new faucet and a quaint place to eat. There's even a formal dining room, den or office and a second bedroom that have been added with central air. Your washer, dryer, toilet and sink are housed in a super clean shed. There's two other sheds and a very long covered patio. Enjoy the mountain views with your morning coffee. You'll have so much fun in the active clubhouse. Playing cards, Bingo, a game of pool, puzzles or going to potlucks & dances are some things to join. Relaxing by the pool is great too.

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800 W Apache Trail Apache Junction, AZ 85120

$60,000

2 Beds

1.5 Baths

910 SqFt

Status Active

MLS # 6639593

Property Type Manufactured Home

Price Type --

Charming FULLY FURNISHED manufactured home in the active adult Sky Haven Estates! With 2 beds & 1.75 bath, it's comfortable living. A desert landscape & carport parking spaces are just the beginning. Continue inside to find a semi-open layout with tons of natural light, soothing palette, and carpet & tile flooring in all the right places. The eat-in kitchen w/pantry and light blue cabinetry with pull-out shelves. Well-appointed bedrooms & 1.5 baths for added convenience! Adding to home's functionality, you a separate workshop, ideal for hobbyists & craftsmen alike, offering ample space for projects and storage. Take advantage of the amenities of this gated Community, including a pool, clubhouse, & etc. Don't miss it

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2400 E Baseline Avenue Apache Junction, AZ 85119

$60,000

2 Beds

2 Baths

1,056 SqFt

Status Active

MLS # 6609696

Property Type Manufactured Home

Price Type --

I know what you are thinking, what's wrong with this? NOTHING! no major repairs needed, this seasonal resident just needs it sold today! Embrace the warmth of opportunity with this motivated seller, eager to facilitate your transition to the sunshine state. Unlock the door to your dream home and seamless relocation experience. Embrace the beauty of the Southwest with a seller committed to making your move as smooth as a desert breeze. Primary bedroom showcases an immaculate ensuite and two closets for added convenience. You will find a cozy backyard with a covered patio, the perfect spot for unwinding after a busy day! What are you waiting for?

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10201 N 99th Avenue Peoria, AZ 85345

$60,000

2 Beds

2 Baths

1,152 SqFt

Status Active

MLS # 6672895

Property Type Manufactured Home

Price Type --

ON LEASED LAND. Come by and see this relaxing, beautiful place to call home. With unlimited community features like a pool, clubhouse and more! The community features are being remodeled and many courts, BBQ grills and community kitchen are being built and will be done this fall! This community is quiet and relaxing. Come stop by and see for yourself.

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617 E 17th Street Douglas, AZ 85607

$60,000

1 Bed

1 Bath

746 SqFt

Status Active

MLS # 6631474

Property Type Single Family Residence

Price Type --

Location, convenience, and many possibilities. Early 1900's home ready for some TLC and your imagination, all utility services are available (city water, sewer, and electric). This is a one bedroom, one bath home, that can be easily turned into a rental, if convenient. Great investment opportunity!

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10701 N 99th Avenue Peoria, AZ 85345

$60,000

2 Beds

2 Baths

1,020 SqFt

Status Active

MLS # 6626909

Property Type Manufactured Home

Price Type --

Very Attractive 2 bedroom, 2 full bath, 2 car carport home. South facing front yard on nice corner lot, ground set. All built-in appliances stay including Frig, Washer Dryer. Storage shed. Desert landscaping. Exterior recently painted. Apollo Village is a pet friendly 55+age restricted community. You're just a few steps away from the park amenities! Heated community pool/spa, clubhouse, billiards, library, fitness room. Many organized social activities. Financing Available to qualified Buyer's. All owners/occupants must be park approved as residents. Land lease fee is $807/month. Great location! Near a variety of stores, medical clinics/hospitals, sports venues, restaurants, casino & Loop 101. Some furniture pieces may be included with the sale.

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8427 W Glendale Avenue Glendale, AZ 85305

$60,000

2 Beds

1 Bath

576 SqFt

Status Active

MLS # 6661436

Property Type Manufactured Home

Price Type --

Look no further! This is your chance to own this charming 2-bedroom manufactured home in Glendale. Explore inside to discover a perfectly flowing layout showcasing tile flooring, plush carpet in all the right places, and soothing color palette, providing a harmonious ambiance throughout. The immaculate kitchen boasts matching appliances and white cabinetry for all your cooking essentials. You will also find two cozy bedrooms equipped with closets for easy organization. PLUS! Excellent location close to parks, coffee shops, and offering easy freeway access. What are you waiting for? A deal like this won't last long!

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18001 N 16th Way Phoenix, AZ 85022

$60,000

2 Beds

2 Baths

784 SqFt

Status Active

MLS # 6668426

Property Type Manufactured Home

Price Type --

Prime Location with a fenced yard and doggie door so your pets will love this home!!! Nestled in the serene 55+ Mobile Home Community of Sunrise Heights, this exquisite single wide residence is just moments away from the 101 freeway, offering easy access to a plethora of shopping and dining options. Recently undergoing a stylish renovation, this home boasts new laminate flooring in both bedrooms and has been refreshed with paint throughout. The kitchen welcomes you with new appliances, a new sink, faucet, and a vibrant backsplash, adding a cozy and colorful ambiance to the space. Perfectly situated adjacent to the Sunrise Heights, it serves as an ideal spot for neighborly gatherings and pet-friendly activities. This property is a true gem and awaits your visit! Property Highlights Spacious Clubhouse, Outdoor Pool and Spa, Four New Pickleball Courts, Exercise Center, Planned Community Activities, Billiards and Game Room, RV Storage Onsite, Pet Friendly Community. Pets welcome. No size or breed restrictions. Maximum of 3 pets.

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10201 N 99th Avenue Peoria, AZ 85345

$60,000

2 Beds

2 Baths

1,300 SqFt

Status Active

MLS # 6577237

Property Type Manufactured Home

Price Type --

Welcome to this charming 55+ Community in Peoria! This move-in ready home features a spacious family room with wood flooring and neutral colors throughout. The updated kitchen is stylish w/tile backsplash, wood cabinetry, and built-in appliances. The primary bedroom offers a generously-sized closet and an ensuite bathroom for added convenience. The secondary bedroom includes a built-in Murphy bed, serving as a versatile desk area. Additionally, a workshop/hobby room with AC adds to the functionality of this home. Step outside to a cozy and private backyard, perfect for alfresco dining, morning coffee, or simply unwinding after a long day. Convenient to shopping, restaurants, and with easy freeway access. Don't miss out on this opportunity! Being Sold ''AS IS''

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747 E Germann Road San Tan Valley, AZ 85140

$59,900

1 Bed

1 Bath

660 SqFt

Status Active

MLS # 6642168

Property Type Manufactured Home

Price Type --

Looking for a cute little comfy home? It's in Pleasant Valley's 55 + Park. Very open and bright 1BR 1BA with an open floorplan. Don't let the age fool you. There are SO many new upgrades. Let's start with the new laminate flooring, new lighting and ceiling fans, new A/C, new shower and self-closing toilet, new 2'' blinds, newer cooktop, oven & built-in microwave. WOW! You will find a large enclosed Arizona Room with windows. The Laundry room is ''attached'' and insulated. Furniture may stay. Enjoy the sunshine in your well maintained spacious backyard. The grapefruit is delicious from your own tree. There's so many activities at the active clubhouse. Join a game of cards, play a game of pool, Bingo or just relax by the pool and spa. It's a great place to call home. Be the 1st to see i

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2060 N Center Street Mesa, AZ 85201

$59,900

2 Beds

1 Bath

980 SqFt

Status Active

MLS # 6693031

Property Type Manufactured Home

Price Type --

Nicely priced 2 bedroom 1 bath home located in Vista Del Sol community. Move-in ready. Convenient location close to schools, parks and just minutes away from the loop 202 and Hwy 87.

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