Forget Mortgage Apps: 5 Reasons Why You’ll Want to Use a Human Mortgage Broker

Forget Mortgage Apps: 5 Reasons Why You'll Want to Use a Human Mortgage BrokerA mortgage broker can be a helpful tool in finding the right opportunity for you, but it can be tempting to deal with mortgage apps that may be able to consolidate all the information you need in one place. While many modern apps can be quite convenient, there are a few reasons you may want to use a knowledgeable mortgage professional to ensure the credibility of your most important purchase.

Up-To-Date On Credible Lenders

A mortgage app can certainly provide many mortgage insights, but it’s not necessarily an able replacement for a broker who has dealt with many different lenders and knows the ins and outs. While an app can point you in the right direction, a broker will be able to keep you informed of all the little details.

Access To Better Rates

There are no guarantees that working with a broker will get you a better deal, but because brokers work in conjunction with a variety of different lenders, they can often get lower rates or special deals which you may not be able to find on your own.

Saving On Fees

In addition to assisting you with finding the best rates, a broker may also be able to minimize fees like the application and/or appraisal fees so that you can knock some of the costs off your mortgage. Since brokers have an established relationship with lenders, this is something you can use to your advantage.

All The Available Options

It can be overwhelming to go through all of the available lenders, and even a detailed app may not be able to provide this information. However, instead of the most popular current options, a mortgage broker will have lending information available from all kinds of institutions so you can choose what will work best.

Making The Process Run Smooth

An app may seem like a time-saver with all the information at your fingertips, but having a broker to look through things for you can provide a lot of comfort and clarity. While you do have the option of diving in on your own, having an expert to help you over the hurdles can go a long way.

There are so many apps out there that can make life a lot easier, but mortgage apps may not be the place to start when it comes to your mortgage process. If you’re currently considering your options, give me a call for more information – J.P. Cook – 602-320-4253.

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4422 N 75th Street Unit 8005 Scottsdale, AZ 85251

$2,250,000
2 Beds
2.5 Baths
2,274 SqFt
Status Active
MLS # 6831079
Property Type Apartment
Price Type --
Penthouse Perfection ! Experience the pinnacle of luxury living in this stunning 8th-floor penthouse at Envy Residences, Boasting unparalleled panoramic views from its expansive wraparound balconies facing South and East capturing all the best Valley & Mountain views. This masterpiece is an entertainer's dream. Step inside to floor-to-ceiling glass windows, rich hardwood flooring, and a showstopping kitchen and island The chef's kitchen is equipped with top-of-the-line Sub-Zero & Wolf appliances, striking custom accents add an artistic touch throughout. State-of-the-art amenities, including a 4,000 sq. ft. fitness facility, the exclusive Lounge, and a resort-style pool and outdoor areas 2 parking stalls underground w Dedicated Electric Charger 24 hour concierge & 24 hour security

23807 N 64th Avenue Glendale, AZ 85310

$2,250,000
4 Beds
4.5 Baths
4,414 SqFt
Status Active
MLS # 6800781
Property Type Single Family Residence
Price Type --
Welcome to your dream custom home on an acre-plus lot in the prestigious Softwind Estates. Beautifully remodeled, designed w/tasteful neutral décor and an open floor plan that brings in natural light. All bedrooms have luxurious en-suite baths. Spacious kitchen w/ large island and high-end appliances, seamlessly overlooks the great room - perfect for entertaining. Separate guest suite, w/ its own private entrance. Custom metal entry doors, marble flooring & solar. Outdoor oasis, complete w/ fruit trees, pool, hot tub, pickleball/BB court, sails, & misting system. Separate ''portable tiny home'' in side yard offers flexible space for guests or other uses. At the end of a cul-de-sac, w/private entrance gate. More than a home; it's a retreat. Make it yours today (see attached upgrade list)

9370 E Wethersfield Road Scottsdale, AZ 85260

$2,250,000
3 Beds
3.5 Baths
3,343 SqFt
Status Active Under Contract
MLS # 6820481
Property Type Single Family Residence
Price Type --
CACTUS CORRIDOR + 2023 BUILT SMART HOME + EXTENSIVE DESIGN UPGRADES + GATED COMMUNITY - $600,000 in Builder Design Upgrades plus another $180,000 in Pool/Landscape package added 11/2024! This home is PERFECTION! Nestled in the exclusive gated community of Wildhorse Estates, this stunning Pulte Home is situated on a premium corner lot offering modern elegance and high-end finishes throughout. Highly sought after 3343 sf single level home with 3 spacious bedrooms, each with its own ensuite bath, plus a dedicated home office with French doors, additional powder room, and dedicated mudroom delivering a thoughtfully crafted living experience. The grand great room is filled with natural light, featuring a striking stone accent wall with linear fireplace, premium hard surface flooring, and expansive corner sliding wall of glass seamlessly blending indoor-outdoor living. The gourmet kitchen is a dream come true, complete with an oversized waterfall island with a farmhouse sink, stacked white cabinetry with soft-close drawers, a Wolf Pro-Series appliance package, two Cove dishwashers, 48' Pro-Gas Wolf Range, a 48 Miele refrigerator, a generous pantry and extended built-in buffet island with full wet bar. The luxurious primary suite is a retreat of its own, showcasing a designer accent wall and a spa-like bathroom with a soaking tub, an oversized upgraded tile shower, dual vanities with undermount lighting, and elegant granite countertops. Additional interior enhancements include - Reverse accent ceiling details with LED lighting, Tray ceiling details, upgraded baseboards, custom metal pivoting entry door, motorized blinds, security system with cameras, surround sound, soft water system, upgraded HVAC package with integrated purification system and so much more. The backyard was newly completed, 11/2024 and is built for relaxation and entertainment, featuring a Pebble Sheen Arctic White pool with a soothing water feature, a heated spa, a built-in gas fire pit, a Summerset Sizzler grill, travertine pavers, and lush artificial turf. A ScreenLogic2 wireless control system for complete pool/spa automation. A split 3-car garage offers climate-controlled comfort with mini-split systems, upgraded insulation package, and sleek epoxy floors, ideal for car enthusiasts or additional storage. The Cactus Corridor is ideally situated east of the 101 with easy access to outdoor activities, world-class golf courses, and the vibrant shopping, dining, and entertainment options of Kierland Commons and Scottsdale Quarter. Quick access to the 101 Freeway, Scottsdale A+ rated schools, highly sought after Basis Scottsdale, Scottsdale Airpark, TPC Scottsdale, and WestWorld further enhances the convenience of this exceptional home.

10232 N 54th Place Paradise Valley, AZ 85253

$2,250,000
5 Beds
3 Baths
4,169 SqFt
Status Active
MLS # 6808458
Property Type Single Family Residence
Price Type --
Nestled on a prime corner lot, this prestigious Paradise Valley estate boasts exceptional curb appeal, a spacious 3-car garage, a FULL BASEMENT, & resort-style backyard featuring a sparkling saltwater pool, putting green & lush landscaping. Step inside to discover an open & inviting living space, including a generous family room with a cozy fireplace, a gourmet kitchen equipped with granite countertops, a large island, & a breakfast bar-perfect for entertaining. The opulent master suite offers a private sitting area, direct access to the backyard, & a spa-inspired en-suite bathroom complete with a soaking tub, walk-in shower, & dual vanities. Experience luxury living in this remarkable home located in a desirable location.

6038 E Agave Circle Carefree, AZ 85377

$2,250,000
3 Beds
3.5 Baths
3,275 SqFt
Status Active Under Contract
MLS # 6819483
Property Type Single Family Residence
Price Type --
Exceptional new construction w/thoughtful discriminating design, high end luxury finishes, with significant new build upgrades exceeding typical new build requirements. Soft desert contemporary with tasteful Southwest homage. Kitchen with Arto adobe tile barrel ceiling, Calacatta Umber polished marble counters, Thermador appliances, w/built-in espresso, adjoining butler's pantry wi/additional oven and full fridge. Great room w/26' butt glass wall overlooking the pool and showcasing Black Mountain. Primary suite with spa bath, separate vanities, tub, custom closet. Additional guest suite outfitted as a casita with coffee bar and under counter fridge. Extended length 3 car garage with 11.5' custom doors. Every aspect of this new build was designed by the builder as if building his own home High end features of this home include, commercial grade Quaker Quartz Windows and Doors known for their quality, design, sustainability and endurance. 3 premium Batt Soundproofing insulation in all interior rooms/walls. Trane dual 5- & 4-ton HVAC systems with 3rd 3 ½ ton unit for 3-car garages. Custom engineered 480 SF cantilevered steel and concrete patio deck with Platinum Ice Limestone & 90 lb. artificial turf. CHI stamped 11 ½ foot custom high-rise, heavy duty R-17 polyurethane insulated garage doors with LiftMaster Elite Series DC Wall Mount opener with battery backup & Wi-Fi. Ring security cameras and spotlights, hardwired (with battery backup) in 4-exterior corners & front door. Envirotec 64,000 Grain water softener. Envirotec 6-Stage Reverse Osmosis water purification system. R-38 performance value foam insulation in exterior walls, attic and roof deck. R-30 performance value foam insulation in garage and trusses. Seldom will you find new custom luxury construction conveniently located within minutes of shopping, services and a host of entertainment venues from desert hiking adventures, cowboy Western venues and fine dining. This beautiful home is perfect for lock and leave seasonal getaway and/or a very manageable full-time residence

5741 N 38th Place Paradise Valley, AZ 85253

$2,250,000
4 Beds
3.5 Baths
2,671 SqFt
Status Active Under Contract
MLS # 6799083
Property Type Single Family Residence
Price Type --
This Paradise Valley home offers stunning 360-degree views of Camelback Mountain, downtown Phoenix lights, and the Phoenix Mountain Preserve, all complemented by modern upgrades throughout. The property includes a main house and an attached guest house, perfect for hosting visitors or extended stays. The open-concept living room features a wall of windows that bathe the space in natural light, anchored by a cozy fireplace. The chef's kitchen is outfitted with stainless steel appliances, a skylight, an eat-in area, and a formal dining space. The primary suite serves as a peaceful retreat with private backyard access, dual vanities, and a full bath. Designed for seamless indoor/outdoor living, the backyard is a true desert oasis, complete with a custom pool, expanded deck, covered patio, and lush desert landscaping that ensures privacy. Multiple seating areas provide ample room for lounging and entertaining. Situated in a highly desirable, private neighborhood, this home is just minutes from world-class resorts, golf courses, fine dining, and shopping. A rare gem, this property embodies the essence of luxury living in Paradise Valley.

11585 N 108th Way Scottsdale, AZ 85259

$2,250,000
5 Beds
3.5 Baths
3,706 SqFt
Status Active Under Contract
MLS # 6814140
Property Type Single Family Residence
Price Type --
Fabulous opportunity for your forever home in the sought after CACTUS CORRIDOR blending warm ''Arcadia- style'' charm with contemporary sparkle! Beautifully situated in a small enclave of elegant homes on .6 acre plus casita, this home is impeccably designed and newly remodeled throughout — absolutely move in ready! The elegant entry is highlighted by high beamed ceilings and natural white oak flooring opening to large dining room and conversation room with french doors and picturesque fountain courtyard. The chef's kitchen is truly the heart of the home featuring waterfall-edged quartz counters with large island, professional series stainless steel appliances, an ''organizer friendly'' walk in pantry — and cheerful breakfast room with Bosch coffee machine opening to patio and pool. The primary suite features a corner fireplace and glass doors with views to the backyard joined by an elegant bath with skylight, soaking tub, large dual vanity area and custom walk in closet. With a separate entry, the casita is delightful, perfect for family, guests or Nanny featuring a studio kitchen, full bath, walk in closet, and fireplace. On the practical side, This home is absolutely move in ready! All new in 2024: concrete tile roof and roof deck, 2 new HVAC units, exterior and interior paint, pool pump and filter, hardwood floors, stainless steel appliances, fully remodeled bathrooms, led lighting and epoxy flooring. Three car garage, side RV Gate, No HOA. On the fun side: A perfect backyard for entertaining or just watching the kids play, complete with sparkling pebble tec pool and large grassy play area, 3-hole putting green, plus added space for a pickleball or sports court. In addition, satisfy your love for 'home grown' with prolific citrus trees and plenty of space for your herb and flower gardens. Plus, for quiet moment, you'll find a delightful roof deck perfect for an evening of sunsets and star gazing. The home where you'll say This is our forever home! Seller is Licensed Real Estate Agent in Arizona.

8155 E Juan Tabo Road Scottsdale, AZ 85255

$2,250,000
4 Beds
2.5 Baths
4,021 SqFt
Status Active
MLS # 6826017
Property Type Single Family Residence
Price Type --
Nestled in the heart of Scottsdale, this beautifully maintained home at 8155 E Juan Tabo Rd offers the perfect blend of modern comfort and desert charm. With an open floor plan, spacious living areas, and an abundance of natural light, this property is perfect for both relaxing and entertaining. The kitchen boasts updated appliances and ample counter space, while the private backyard features stunning desert landscaping, ideal for enjoying Arizona's year-round sunshine. The home is just minutes from top-rated golf courses, shopping, dining, and hiking trails, making it a true Scottsdale gem. Don't miss out on this exceptional opportunity to live in one of the most desirable areas of Arizona!

6338 N 86th Street Scottsdale, AZ 85250

$2,250,000
4 Beds
3.5 Baths
3,728 SqFt
Status Active
MLS # 6790750
Property Type Single Family Residence
Price Type --
Introducing a stunning new build by Thomas James Homes! This pre-construction residence offers a unique opportunity to customize some interior finishes during the early construction phases. Nestled in a highly sought-after Scottsdale neighborhood, this remarkable modern home features 4 bedrooms and 3.5 bathrooms, exemplifying exceptional design. The first floor welcomes you with an inviting courtyard that seamlessly blends indoor and outdoor living, complemented by a spacious office, a bedroom, a large great room, and a luxurious kitchen anchored by an expansive quartz countertop island, pot filler, warming drawer and double dishwashers. Upstairs, the grand suite boasts a generous his-and-hers walk-in closet and a spa-like bathroom complete with a freestanding soaking tub and a walk-in rain shower. You'll also find a spacious loft and two additional bedrooms, making this home a perfect retreat for modern living. Estimated completion of Fall 2025!

4208 E Sells Drive Phoenix, AZ 85018

$2,250,000
5 Beds
4.5 Baths
3,435 SqFt
Status Active
MLS # 6823994
Property Type Single Family Residence
Price Type --
The perfect family home on a picturesque street with stunning views of majestic date palms, this beautifully designed home offers timeless elegance in the heart of Arcadia Lite. Built just a few years ago, this five-bedroom, 4.5-bathroom residence blends modern comfort with classic charm. Step inside to soaring ceilings, abundant natural light, and designer finishes that create a warm, inviting atmosphere. The open-concept great room seamlessly connects to the outdoors, perfect for entertaining. A chef's dream kitchen boasts a massive 66'' fridge/freezer combo, sleek cabinetry, and high-end fixtures. Downstairs, enjoy a private office and a luxurious master suite. Upstairs, a spacious entertainment loft and three generously sized bedrooms provide ample room for relaxation. Located just minutes from top restaurants, shopping, and entertainment, this home is the perfect blend of luxury and convenience. Don't miss this rare opportunityschedule your tour today!

125 Granite Mountain Road Sedona, AZ 86351

$2,250,000
3 Beds
3 Baths
3,254 SqFt
Status Active
MLS # 6830065
Property Type Single Family Residence
Price Type --
From the street, this nearly new (2023) home beckons from a curved cobblestone paver driveway that simultaneously welcomes and impresses with striking contemporary lines. A front gated courtyard extends the warm greeting, capturing the morning sun and reflecting a metallic flicker in the sunlight via the earthy wall tile. Welcome to a blend of nature and home design that brilliantly balances stone, wood & metal elements throughout the property. Orchestrated by an architect, civil engineer, interior designer, and landscape designer, their combined efforts create a seamless blend of luxury and functionality on this very private .71 acre parcel. Encompassing 3254 SF, this 3 bd/2.75 bath home features a wealth of custom high-end finishes and thoughtful details designed for comfortable living. A Perfect Blend of Nature, Sophistication, and Modern Amenities From the street, this nearly new (2023) home beckons from a curved cobblestone paver driveway that simultaneously welcomes and impresses with striking contemporary lines. A front gated courtyard extends the warm greeting, capturing the morning sun and reflecting a metallic flicker in the sunlight via the earthy wall tile. Welcome to a blend of nature and home design that brilliantly balances stone, wood & metal elements throughout the property. Orchestrated by an architect, civil engineer, interior designer, and landscape designer, their combined efforts create a seamless blend of luxury and functionality on this very private .71 acre parcel. Encompassing 3,254 SF, this 3 bd/2.75 bath home features a wealth of custom high-end finishes and thoughtful details designed for comfortable living. Key Features: Impressive Entrance: The front door features heavy water glass panels framed in 2-inch thick mahogany from Rogue Valley Doors in Oregon, creating an inviting first impression. The home was engineered with steel I-beams to span both levels, creating huge open rooms and preventing obstruction of views. Spacious Living Areas: Natural light floods the home through windows & glass doors. Clerestory windows track sunlight across the living room throughout the day, illuminating the expansive living room. A cozy living room fireplace adds romance and warmth during chilly winter evenings, making it the perfect location to enjoy the views. Just off the foyer, a cozy sitting room with a gas fireplace provides a welcoming location for a coffee and a great book!! Summer time will find you on the shaded deck which extends the whole length of the home and is your private shelf to overlook tremendous red rock views. Gourmet Kitchen: The kitchen is chef-inspired, featuring: -Desert blue quartzite counters and an island with a gorgeous leathered finish -Walnut veneer grain-match cabinets with contemporary slab fronts -A prep sink and subway tile backsplash -A Thermador induction cooktop -Sub-Zero wine refrigerator -A walk-in pantry with a pocket door -Thermador oven and microwave with convection feature and Wi-Fi control Elegant Primary Suite: The master bedroom boasts: -A private covered Trex deck with powder-coated railing -A spacious walk-in closet with walnut face trim Elfa Closet System -A luxurious bathroom featuring: *Backlit mirrors and a waterfall-edge quartzite vanity *A freestanding soaking tub *A shower with a slit linear drain, rain head shower & hand-held wand by Grohe, built-in bench, and a private water closet with a Toto Neorest toilet *Linear-cut white oak cabinets *Remote control blinds (all major shades) *A large linen closet with pull-out shelving *Gorgeous pendant and sconce lighting on dimmers *In floor heat, Warmly Floors- in the primary bath aisle, providing comfort in cold months. Functional Office Space: Just off the front entrance, the office features a Douglas fir pocket door with heavy water glass and French oak veneer flooring, ideal for work or study. Additional Bedrooms: The guest bedroom also features elegant French oak flooring, ample natural light, and lovely mountain views. In-Law Suite: The lower floor bedroom suite is quiet and private with covered deck access via glass patio doors that allow an abundance of light into this delightful space which can be multi-purposed for work or guest space. An ensuite bath has a gorgeous tiled glass-enclosed shower with a contemporary slot drain and a vanity area ample enough to include room for a coffee bar. A walk-in closet is as large as most primary suite closets. Stylish Finishes Throughout: The home showcases: -Italian 2-foot by 2-foot linen textured porcelain tile flooring -Textured vinyl wallpaper adds tasteful depth and interest in three accented areas of the home: the sitting room shelves, the kitchen island base and the primary suite focal wall. -Elegant casement windows in the sitting room -Walnut post and glass art display shelves -Large beam roof framing above decks made of Douglas Fir Copper Ledgestone Veneer on the Great Room fireplace -Contemporary square wall corners Flooring: -2'x2' Italian Porcelain Tile -Engineered Hardwood, French Oak in Bedrooms & Office Commercial Grade Plush Carpet on Stairs -Luxury Vinyl Walnut Plank with cushion backing in Lower Level Studio & Workshop -Epoxy-painted garage floors in all three garages & storage areas Special Features: -Built-in Dining Buffet Cabinet -Floating shelves in the Great Room, Primary Bath, & Bedroom Sitting Room display with walnut post and glass shelves -Primary Walk-in Closet System by Elfa Closets with melamine shelves and walnut face trim -Custom wood grill with lighting in Great Room -Multi-source lighting: direct, indirect, and ambient -Ceiling fans in Sitting Room, Primary Bedroom, Great Room, Office, Guest Room, Studio, and Studio Patio -Recessed Kohler Medicine Cabinets with Lighted Mirrors Large Linen Closet with pull-out shelves -Specialty shades & blinds throughout, with remote controls for major shades Bathrooms: -Freestanding Jacuzzi brand soaking tub with chrome filler in primary bath -Shower seat built-in & niche in primary & in-law suite & guest bath -Rainhead & handheld shower fixtures by Grohe in primary bath Linear drain in primary and in-law suite showers -Powder Room and Laundry Room with decorative tile backsplashes Energy Efficiency: -Insulated Therma True on exterior doors -Super insulated Kolbe fiberglass windows -12 solar panels-365 watts each -CMU block construction on lower perimeter wall for durability, comfort, and fire protection -All Hunter-Douglas window treatments Outdoor Serenity: Enjoy the beautifully landscaped grounds with a scenic trail, located in a Firewise community. The property includes a 250-square-foot Trex deck, perfect for outdoor entertaining. Exclusive Location: This home is situated in a gated community, surrounded by natural vegetation with no other homes visible, offering complete privacy and breathtaking red rock views in a very peaceful and quiet location. Garage and Parking: The home features three and one half garage bays: an upstairs single-bay garage with an electric car charge station for eco-friendly convenience and, downstairs, a 9' high two and one half bay garage, also with two electric car charging outlet stations. Security and Comfort: The home is equipped with a monitored security system by SimpliSafe and features an energy-efficient heat pump powered heat and cooling system. The lower level rooms (in-law studio and workshop) are climate controlled with an LG heat pump and split units. In addition to a stairway, a Savaria elevator connects the upper and lower floors. Don't miss out on this exceptional opportunity! Furnishings list of available items upon request.

25838 N 104th Place Scottsdale, AZ 85255

$2,250,000
4 Beds
3.5 Baths
3,662 SqFt
Status Active
MLS # 6805354
Property Type Single Family Residence
Price Type --
Welcome to your dream home in coveted North Scottsdale, where sophistication meets tranquility in one of Arizona's most sought-after gated golf communities. Nestled amidst breathtaking desert landscapes and mountain vistas of Troon Fairways, this meticulously refreshed and rejuvenated luxury home offers the perfect balance of timeless elegance, modern finishes and close proximity to one of Scottsdale's most prestigious golf courses. Fully renovated throughout the indoors and outdoors, this contemporary retreat maximizes natural light and captivating views with functionality and style for optimal living. New European wide plank oak flooring, new baseboards, new custom lighting, new fireplace, new hardware, new fixtures - the list of premium finishes goes on and on. This beautiful residence is a perfect retreat for those seeking an elevated lifestyle, year-round or seasonally.

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