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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Sort by: Select Price, Low to High Price, High to Low Newer Listings First Older Listings First Open House Date

17646 W Running Deer Trail Surprise, AZ 85387

$499,995

3 Beds

2 Baths

2,220 SqFt

Status Active

MLS # 6636891

Property Type Single Family Residence

Price Type --

This home has 10' ceilings throughout. The center of the home boasts a large kitchen with a convenient center island and walk-in pantry, which flows into an open-concept dining nook and great room. This home has four bedrooms and 3 bathrooms. The owner's suite has a deluxe master bath shower and a walk-in closet. Additional options include: 2 car extended garage with plenty of storage, gourmet kitchen, soft water pre-plumb and great room slider

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17657 W Running Deer Trail Surprise, AZ 85387

$499,995

4 Beds

3 Baths

2,220 SqFt

Status Active

MLS # 6636944

Property Type Single Family Residence

Price Type --

You'll find plenty to love about this home! The center of the home boasts a large kitchen with a convenient center island and walk-in pantry, which flows into an open-concept dining nook and great room. This home has four bedrooms and 3 bathrooms. The owner's suite has a deluxe master bath shower and large walk-in closet. An upgraded shower in the guest bath. Additional options include ten-foot ceilings, 2 car extended garage with plenty of storage, gourmet kitchen, soft water pre-plumb and great room slider.

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20076 W Montecito Avenue Litchfield Park, AZ 85340

$499,995

4 Beds

2.5 Baths

2,370 SqFt

Status Active

MLS # 6639833

Property Type Single Family Residence

Price Type --

Explore this impressive Raleigh home, ready for quick move-in on a homesite boasting driveway pavers and front yard landscaping. Included features: a welcoming covered porch; a bedroom and bathroom in lieu of a study and powder room; a gourmet kitchen offering a double oven, 42'' cabinets, stainless-steel appliances, quartz countertops, a walk-in pantry and a center island; an open dining area; a spacious great room; a lavish primary suite showcasing a generous walk-in closet and a private bath with cultured marble countertops; a convenient laundry; a storage area; a covered patio and a 2-car garage. This home also offers additional windows and ceiling fan prewiring in select rooms as well as airy 10' ceilings throughout.

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17599 W Running Deer Trail Surprise, AZ 85387

$499,995

3 Beds

2 Baths

2,370 SqFt

Status Active

MLS # 6643918

Property Type Single Family Residence

Price Type --

You'll find plenty to love about the Raleigh plan! The center of the home boasts a large kitchen with a convenient center island and walk-in pantry, which flows into an open-concept dining nook and great room. This home has three bedrooms and 2 bathrooms, with the master suite W/I shower / drop-in tub combo. Additional options include: extended garage with plenty of storage, ten foot ceilings, gourmet kitchen and great room with multi slide door.

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21472 N Elba Road Maricopa, AZ 85138

$499,995

4 Beds

3.5 Baths

2,500 SqFt

Status Active

MLS # 6666354

Property Type Single Family Residence

Price Type --

The ranch-style Cassandra plan showcases an open layout with a great room, a breakfast nook and a large kitchen that's ready to enjoy. The owner's suite is adjacent, and boasts a generous walk-in closet and an attached bath. Two additional bedrooms flank a full bath upon entry, and the nearby fourth bedroom and third bathroom give you all the space and comfort you'll need.

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40363 W Wade Drive Maricopa, AZ 85138

$499,995

5 Beds

3 Baths

3,030 SqFt

Status Active

MLS # 6693668

Property Type Single Family Residence

Price Type --

The Main floor of the inviting Ammolite plan offers a great room and well appointed kitchen with center island and roomy pantry. Upstairs, discover a central loft, a laundry and three secondary bedrooms with a shared bath. A lavish primary suite boasts an expansive walk-in closet and private bath rounds out the floor. You'll love the professionally curated fixtures and finishes selected by our design team.

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19648 W Windsor Avenue Buckeye, AZ 85396

$499,995

4 Beds

3 Baths

2,070 SqFt

Status Active

MLS # 6622825

Property Type Single Family Residence

Price Type --

Explore this beautiful Slate home, ready for quick move-in on a homesite boasting driveway pavers and front yard landscaping. Included features: an inviting covered entry; an open dining area; an impressive kitchen offering 42'' cabinets, quartz countertops, stainless-steel appliances, a roomy pantry and a center island; a spacious great room; a lavish primary suite showcasing a generous walk-in closet and a private bath with cultured marble countertops; a 2nd bedroom with private bath and walk-in closet, a central laundry; a convenient storage area; a covered patio and a roomy 2-car garage. This home also offers stone tile flooring, ceiling fan prewiring and additional windows in select rooms.

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19589 W Jamestown Road Buckeye, AZ 85396

$499,995

3 Beds

2.5 Baths

2,400 SqFt

Status Active

MLS # 6648555

Property Type Single Family Residence

Price Type --

The heart of this floor plan is an open layout with a great room, a breakfast nook with center meet doors and a kitchen with a walk-in pantry and a center island. The owner's suite is adjacent, and showcases a generous walk-in closet and an attached bath with double sinks. . A private study, two bedrooms and a bath round out the residence.

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18016 W Puget Avenue Waddell, AZ 85355

$499,995

3 Beds

3 Baths

1,870 SqFt

Status Active

MLS # 6661377

Property Type Single Family Residence

Price Type --

BEAUTIFUL MODEL HOME-Enjoy this ready to move in 3 Bedroom 3 Bath with Study popular Larimar floorplan that offers endless upgrades including 9' ft ceilings, quartz countertops throughout ,an open great room with center-meet slider doors, immaculate landscaped backyard with firepit and comes fully designer furnished. This is an Incredible Value & A Must See!!!!

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15794 W Mckinley Street Goodyear, AZ 85338

$499,995

4 Beds

2 Baths

2,265 SqFt

Status Active

MLS # 6694239

Property Type Single Family Residence

Price Type --

Gorgeous corner lot home with north/south exposure. This spacious open floor plan home includes 2,265 sqft. of open living space, 3 bedrooms + 1 den, 2 bathrooms, a split floor plan, tile on all common areas, wall to wall sliding glass door with power controlled blinds, a beautiful gourmet kitchen. The kitchen features dark espresso cabinetry, granite counters, tile backsplash, stainless appliances including a gas range and oversized kitchen island with plentiful breakfast bar seating. Walk into the master bathroom with a rain shower that you will never want to leave. Enjoy those mornings and evenings in your own backyard's small private oasis. This property is a MUST SEE!!!!

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3935 E Rough Rider Road Phoenix, AZ 85050

$499,995

3 Beds

2.5 Baths

1,575 SqFt

Status Active

MLS # 6698733

Property Type Apartment

Price Type --

Welcome to luxury living in the heart of Desert Ridge! This might be the best location in this desirable gated enclave, featuring 3 full bedrooms, 2.5 baths, 2 car garage, granite counters, stainless steel appliances, soft water system and all appliances included! The stunning Villages at Aviano features incredible amenities! In addition to the heated pool and outdoor spaces within the complex, you also have full access to the award winning Aviano facilities featuring heated pool, spa, fitness center, weight room, tennis & basketball courts, rock wall and a more! Desert Ridge is the place to be! Over 30 restaurants within 5 min, world class shopping, highly rated schools, amazing parks and ample open spaces-the crown jewel of the North Valley!

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3614 W Cobalt Court San Tan Valley, AZ 85144

Open House

$499,995

4 Beds

3 Baths

1,991 SqFt

Status Active

MLS # 6700066

Property Type Single Family Residence

Price Type --

This beautiful home was crafted for the way you live. The open-concept kitchen provides connectivity to the main living area with prime access to the outdoor patio. Embrace relaxation in the sun-filled great room that is bursting with natural light and is adjacent to the kitchen and casual dining area. A first-floor office provides the space to work from home. Don't miss this opportunity!

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