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For most people, finding the right home in Cottonwood, Arizona is just the first step. Finding the right financing to buy a home is essential to make the home purchase occur! A home buyer has a choice of local mortgage lenders and national lenders advertising on the Web. Many home buyers find that using local Cottonwood, Arizona lenders (with rates very comparable to online mortgage brokers) help ease some of the stress of moving. Home buyers have more personal service, and the mortgage companies have a better relationship with appraisers and other real estate professionals. Ask about adjustable rate loans if you are guaranteed to be relocated out of Cottonwood within the next 5 years. I had a friend who found a 40 year adjustable with 5 year fixed rate. He knew that he had guaranteed relocation buy-out at the end of his assignment so he wasn’t worried about building equity. He ended up paying less than half in a mortgage payment than he would have paid in rent! Short on cash? There are many mortgage lenders in Cottonwood that now offer 100% financing – no down payment certainly helps keep moving expenses down!
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As of the census of 2000, there were 9,179 people, 3,983 households, and 2,369 families residing in the city. The population density was 332.1/km² (860.3/mi²). There were 4,427 housing units at an average density of 160.2/km² (414.9/mi²). The racial makeup of the city was 85.24% White, 0.49% Black or African American, 1.57% Native American, 0.41% Asian, 0.03% Pacific Islander, 9.66% from other races, and 2.59% from two or more races. 20.53% of the population were Hispanic or Latino of any race. There were 3,983 households out of which 25.3% had children under the age of 18 living with them, 44.5% were married couples living together, 10.8% had a female householder with no husband present, and 40.5% were non-families. 34.4% of all households were made up of individuals and 19.1% had someone living alone who was 65 years of age or older. The average household size was 2.27 and the average family size was 2.90. -- Source: Wikipedia.com
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Census Data for Cottonwood, Arizona
| Cottonwood | Arizona | United States | |
| Population | 9,179 | 5,130,632 | 281,421,906 |
| Median age | 41 | 34.2 | 35.3 |
| Median age for Male | 37.8 | 32.9 | 34 |
| Median age for Female | 43.9 | 35.5 | 36.5 |
| Households | 3,983 | 1,901,327 | 105,480,101 |
| Household population | 9,039 | 5,020,782 | 273,643,273 |
| Average household size | 2.27 | 2.64 | 2.59 |
| Families | 2,369 | 1,287,367 | 71,787,347 |
| Average family size | 2.9 | 3.18 | 3.14 |
| Housing units | 4,427 | 2,189,189 | 115,904,641 |
| Occupied units | 3,983 | 1,901,327 | 105,480,101 |
| Vacant units | 444 | 287,862 | 10,424,540 |
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