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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5691 W Cinder Brook Way Florence, AZ 85132

$500,000

2 Beds

2 Baths

2,119 SqFt

Status Active

MLS # 6703122

Property Type Single Family Residence

Price Type --

Beautifully maintained home in the Active Adult resort community of Sun City Anthem at Merrill Ranch offers 2 bedrooms + den with double doors and 2 baths in 2119 SqFt with an open great room layout. The gourmet kitchen offers an abundance of cabinetry, granite countertops, stainless appliances including a gas cooktop, a walk-in pantry, and island with breakfast bar and pendant lighting. The great room has a built-in media wall with shelving and sliding doors that lead out to the covered patio with ceiling fan and private, fenced backyard. The professionally landscaped backyard includes extensive paver patios, gas firepit, easy-care artificial turf, and colorful desert plants. The primary bedroom has an en-suite bath with dual sink vanity, oversized shower with bench, linen closet, and roomy walk-in closet. Other features include a walk-in closet in the hallway, diagonal tile flooring throughout living areas and baths, carpet in bedrooms, an extended length 2 car garage with storage area and service door; and leased solar panels providing tremendous utility savings. World-class amenities include a resort-style pool and spa, indoor lap pool, walking track, pickleball, bocce, and other sport courts, fitness center, craft/game/learning rooms, a cafe, putting green, and golf course. See today!

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441 Hayes Court Chino Valley, AZ 86323

$500,000

3 Beds

2 Baths

2,046 SqFt

Status Active

MLS # 6698459

Property Type Single Family Residence

Price Type --

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11332 E Sable Avenue Mesa, AZ 85212

$500,000

3 Beds

2.5 Baths

1,750 SqFt

Status Active

MLS # 6700544

Property Type Single Family Residence

Price Type --

Welcome to Keighley Place, a charming neighborhood that offers a plethora of outdoor activities, many education options and breathtaking views. Embrace the outdoor lifestyle with parks, sports fields and courts just moments away. This vibrant community is minutes away from numerous education opportunities including primary and secondary schooling, both private and charter, a community college and an ASU campus. Travel comes easy as well with the 202 freeway and the mesa gateway airport close by. This single level, split floorpan offers 3 bedrooms, 2.5 bathrooms and a large yard. The upgraded kitchen has dark cabinets with beautiful granite counters, a large island, gas stove and a walk in pantry. The flooring consists of large neutral tile and plush carpeting in the bedrooms only.

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2210 E Everett Drive Phoenix, AZ 85022

$500,000

4 Beds

3 Baths

2,451 SqFt

Status Active

MLS # 6699606

Property Type Single Family Residence

Price Type --

Bring your vision and a little muscle! This home has so much possibility and is waiting for your finishing touches. The upstairs floor, which has been remodeled, can be used as a primary bedroom suite or bonus living space. Curl up in front of the cozy fire place or watch the sun rise from the north facing balcony. Upstairs has an additional bedroom/closet space and an updated bathroom complete with a soaking jacuzzi tub. The downstairs boasts 3 additional bedrooms (one which can be used as a primary, and 2 more bathrooms. There 2 potential dining areas as well as a family room and bonus room. The backyard boasts a heated diving pool and spa, a garden area, an additional work shed and even a sauna! Double RV gates and an extended garage for convenience. Come see the possibilities!

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1713 W Cortez Circle Chandler, AZ 85224

$500,000

3 Beds

2 Baths

1,809 SqFt

Status Active

MLS # 6702108

Property Type Single Family Residence

Price Type --

Welcome home! This home has been updated just for you! New Flooring, New Bathrooms, New Kitchen, New Garage Door, New Appliances, New Sod in the back yard and much more! The impeccable kitchen is equipped with quartz counters, white shaker cabinets, brand-new stainless steel appliances, a walk-in pantry, and a peninsula with a breakfast bar for casual dining. The main bedroom features soft carpeting, direct backyard access, a make-up vanity, a walk-in closet, and a private bathroom. Enjoy quiet afternoons in the backyard, boasting a covered patio, natural turf, and ample space for hosting weekend BBQs. Don't miss out on this fantastic opportunity!

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5419 W Michigan Avenue Glendale, AZ 85308

$500,000

3 Beds

2 Baths

1,758 SqFt

Status Active

MLS # 6700979

Property Type Single Family Residence

Price Type --

THIS HOME IS PICTURE PERFECT, FROM THE CURB TO THE PERFECTLY MANICURED BACKYARD! IT IS BEAUTIFUL FARMHOUSE DECOR! 3 BEDROOM ALL ON ONE LEVEL, LOOK OUT THE FAMILY ROOM WINDOW TO THE RELAXING BACKYARD THAT INCLUDES A WATERFALL PLAY POOL, FRUIT TREES, GREEN GRASS TURF, COVERED PATIO. TILE THROUGHOUT, NEUTRAL GRAY TONE COLORS, SOARING CEILINGS IN THE MAIN LIVING AREA, THIS HOME BOASTS A CORNER LOT, PAINTED GARAGE FLOOR, CABINETS AND WORK BENCH AREA IN GARAGE THIS HOME SHOWS PRIDE OF OWNERSHIP. NEW AC UNIT, MOVE IN READY!

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26034 S Glenburn Drive Sun Lakes, AZ 85248

$500,000

2 Beds

2 Baths

1,922 SqFt

Status Active

MLS # 6703236

Property Type Single Family Residence

Price Type --

The community of Sun Lakes offers heated pools and spas, a clubhouse, and is known for its active adult lifestyle with various clubs and recreational activities available. The lot of this home is quite large, encompassing 0.27 acres, which positions it on an oversized and corner cul-de-sac lot. Plenty of room for a garden amongst other hobbies you may have. The home includes amenities such as two bedrooms, two bathrooms and an office area.The home has recent updates that include a skylight, HVAC, two screened in patios, hot water heater, solar panels and new windows and doors. Call for the full list and come see it today!!!

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544 W Mesquite Street Gilbert, AZ 85233

New

$500,000

3 Beds

2 Baths

1,753 SqFt

Status Active

MLS # 6703512

Property Type Single Family Residence

Price Type --

Welcome to a FULLY REMODELED single story home! This house has brand new flooring, upgraded kitchen with new cabinets, new carpet and new interior paint throughout (2024). Great Gilbert location! New water heater is installed (May, 2024). Conveniently located near freeways, 60 Fwy and 202 Fwy. Major restaurants and stores, Costco are located near by. Vaulted ceiling and open floor plan. Ready to move in!

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5764 N 109th Avenue Phoenix, AZ 85037

$500,000

3 Beds

2 Baths

1,632 SqFt

Status Active

MLS # 6706146

Property Type Single Family Residence

Price Type --

**LIVE LIKE YOU'RE ON VACATION EVERY DAY **IN THIS **STUNNING RESORT-LIKE HOME **GORGEOUS POOL **AND OUTDOOR LIVING AT ITS BEST** SPOTLESS UPGRADED HOME WILL WOW YOU **

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6420 W Wahalla Lane Glendale, AZ 85308

New

$500,000

3 Beds

2 Baths

1,504 SqFt

Status Active

MLS # 6706934

Property Type Single Family Residence

Price Type --

Discover your next home where modern living meets the tranquil beauty of Glendale. Nestled within the highly sought-after neighborhood of The Highlands at Arrowhead Ranch, this 3 bedroom, 2 bathroom residence offers an unmatched living experience that blends comfort, style, and incredible value. Living at The Highlands at Arrowhead Ranch it's about the lifestyle. Residents have unparalleled access to recreational opportunities that make every day feel like a vacation: Surrounded by numerous parks, golf courses, and the Thunderbird Conservation Park, you can easily fill your weekends with hiking, biking, golfing, or simply enjoying nature's beauty. Moments away from entertainment and leisure to the Westgate Entertainment District and the home of the Arizona Cardinals means you're never far from exciting events, shopping, dining, and entertainment options. For those pursuing educational endeavors, the highly desirable Midwestern University is just around the corner, adding to the community's prestige Whether you're an outdoor enthusiast, a sports fan, or someone who appreciates the finer aspects of suburban living, this home in The Highlands at Arrowhead Ranch offers something unique for everyone.

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2344 E Aldine Street Phoenix, AZ 85022

$500,000

4 Beds

2 Baths

1,525 SqFt

Status Active

MLS # 6706254

Property Type Single Family Residence

Price Type --

Beautifully Updated 4 Bedroom/2 Bath home in the heart of North Phoenix, w/No HOA! The spacious front courtyard welcomes you home! The stunning Kitchen opens to the Great Room & features Custom Cabinetry with Soft Close Drawers, Quartz Counters, Island w/Breakfast Bar, Stainless appliances, Pendant Lighting, & Slider Door. Bathrooms have been updated as has the flooring in main living & primary. Private Backyard with a Covered Patio & Artificial Turf offers plenty of room to relax & entertain! Corner Lot, 2 car Garage w/enclosed Laundry Room! Updates: 2024: New Roof, Garage Door Motor & Key pad, 2021: New HVAC, 2020: Exterior Paint, Interior Update inc Kitchen (see above updates), Bathrooms, Baseboards/Door, Interior Paint, Flooring. Great location & quick access to the 51. Welcome Home!

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1838 N Mitchell Street Phoenix, AZ 85006

$500,000

2 Beds

1 Bath

943 SqFt

Status Active

MLS # 6705755

Property Type Single Family Residence

Price Type --

Ready to put down roots in a vibrant, historic downtown community? This charming 2-bedroom, 1-bathroom home in the Coronado Historic District might just be what you've been searching for! With easy access to parks, shops, and restaurants, it offers the perfect blend of convenience and character. The 943 square feet feel surprisingly spacious, thanks to the open layout and clever use of separate spaces, like the cozy dining room nook. Sunlight pours in through the windows, illuminating the historic touches, such as the rounded wall corners, that give this home its unique charm. Come and make this place your own today—experience the warmth and character of the Coronado Historic District firsthand!

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