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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19655 W Windsor Avenue Buckeye, AZ 85396

$455,995

4 Beds

3 Baths

2,070 SqFt

Status Active

MLS # 6642364

Property Type Single Family Residence

Price Type --

The thoughtfully designed Slate floor plan opens with two bedrooms and a full hall bath. Beyond the entry, you'll find an open layout with a dining nook, a great room with access to an inviting covered patio, and a kitchen with a center island, walk-in pantry and abundant cabinetry. The owner's suite is nearby, offering a generous walk-in closet and a private bath with dual sinks, a shower and a separate soaking tub. A laundry room and a fourth bedroom with its own private bath complete the home. Enjoy your 2 car garage with a side garage service door for easy access to your large backyard.

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41108 W Haley Drive Maricopa, AZ 85138

$455,990

4 Beds

3 Baths

2,142 SqFt

Status Active

MLS # 6632233

Property Type Single Family Residence

Price Type --

READY FOR MOVE-IN... This home has 4 bedrooms with a flex space to be used as den or a formal space. We added a shower in the powder room for a total of 3 full baths. Large walk in shower at owner's bath with dual vanity sinks. Stainless steel gas range. Benton ''White'' Birch cabinets throughout the home with 42'' kitchen uppers and roll outs at pantry. AZT Della Terra Quartz countertops in the owner's bath and at the kitchen and on the enhanced kitchen island. Tile backsplash in the kitchen has Colorwheel 4x16 tile. Upgrade flooring includes level 9 carpet in bedrooms/closets and the remaining of the home has DT Cannes Masso 18x18 tile in the great room, kitchen, entry, halls, bathrooms and laundry and so much more.

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37814 N Neatwood Drive San Tan Valley, AZ 85140

$455,490

4 Beds

2.5 Baths

2,338 SqFt

Status Active

MLS # 6683303

Property Type Single Family Residence

Price Type --

Beautiful NEW Home in PRIME San Tan Valley location, Quick Move-In, close proximity to Queen Creek and other major cities. Ready to close May 2024! Prime lot overlooking scenic desert views. Featuring countless upgrades such as 9' ceilings, Shaw Ceramic Tile Floors, Granite countertops in the kitchen. Whirlpool Stainless steel appliances and white cabinetry. Energy-efficient features throughout, Wi-Fi & programmable thermostat, and electric range. Spacious walk-in closet in owner's suite! Front yard landscaping with irrigation included and generous covered patio in the backyard. Minutes from hiking trails and scenic mountain views! Fantastic proposed amenities include community lake, parcourse stations, bike loops and racks, ramadas, shaded play structures, great park area including large community pavilion, BBQ grills, picnic tables, pickleball court and open space areas. Located near Queen Creek, highly rated schools and easy access to shopping centers, dining options and entertainment venues.

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17418 W El Caminito Drive Waddell, AZ 85355

$455,310

4 Beds

3 Baths

2,040 SqFt

Status Active

MLS # 6650214

Property Type Single Family Residence

Price Type --

Single Story, 2-Car Garage, 3 BR, Den w/Double Doors and Tile, 3 Bath, 36'' Derby Birch Twilight Cabinets, White Sand Quartz Countertops, Under Cabinet LED Kitchen Lighting, 6 x36 Chesapeake Grey Tile Flooring, Bit of Gray Carpeting, Faded Grey Interior Paint, SS Gas Range Double Oven Slide-In Appliance Package, ,Holiday Pkg, Laundry Room Cabinets with Sink, Soft Water Pre-Plumb, Gas Stub for future BBQ, Ext Color Scheme #4A

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