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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1435 S Peaceful Place Lane Bisbee, AZ 85603

$1,600,000
3 Beds
3 Baths
2,254 SqFt
Status Active
MLS # 6783025
Property Type Single Family Residence
Price Type --
Located in Bisbee, nestled in the foothills of the Mule Mountains. This home offers 60 acres of private, tranquil land, ideal for those seeking a quiet retreat with panoramic views. Upon entering, you're greeted by a grand foyer and a stunning talavera-tiled staircase, setting the tone for the custom-designed interior. The chef's kitchen is a true standout, featuring high-end finishes and pullout drawers for ultimate functionality. The spacious living room, complete with a cozy Beehive fireplace, offers an inviting space for relaxation and entertainment. Two of the three bedrooms could be considered masters, one upstairs and one downstairs. Two covered patios off the main floor and two large balconies on the second floor. Garage is extended 24x24. A rare find! Absolutely stunning!

5424 E Crocus Drive Scottsdale, AZ 85254

$1,600,000
5 Beds
4 Baths
3,315 SqFt
Status Active Under Contract
MLS # 6772808
Property Type Single Family Residence
Price Type --
Elegant Living on a Coveted 85254 Street. The Ultimate Family Oasis. Discover Scottsdale living at its finest on this expansive 34,216-square-foot lot in one of the most sought-after neighborhoods in 85254. This stunning property features 5 spacious bedrooms and 4 bathrooms, offering a blend of elegance and comfort for family living and entertaining. Perfect for those who love the indoor-outdoor lifestyle, the oversized lot boasts an array of recreational features, including a dedicated sport court for pickleball, tennis or basketball, a walking, biking, and scooter path for outdoor enjoyment, and a sparkling swimming pool ideal for Arizona's sunny days. Multiple sitting areas for families and friends to gather and enjoy life together. With an RV gate, you'll have ample space for storing your toys and adventure gear. Situated just moments away from Scottsdale Christian Academy and the highly acclaimed Paradise Valley School District, this home is perfect for families seeking both privacy and convenience. With dining, shopping, and entertainment options in every direction, including Kierland, and the Scottsdale Quarter as well as easy access to SR 51 and Loop 101, you're never far from the best that Scottsdale has to offer. This remarkable home is not just a place to liveit's a backdrop for creating lifelong family memories.

3530 N Hawes Road Unit 8 Mesa, AZ 85207

$1,600,000
6 Beds
3.5 Baths
5,052 SqFt
Status Active Under Contract
MLS # 6740983
Property Type Single Family Residence
Price Type --
Seller says, ''Make us an offer!'' Welcome home to the gated, secluded community of Overlook. Get ready to take in majestic mountain views & spectacular city lights everywhere you look! This residence sits at the highest elevation in the community for unobstructed views of the entire Valley. Situated on a premium lot, this 6 bedroom, 3 ½ bath home with 4-car garage has space for everyone. The living area & great room with wood-burning fireplace give way to the kitchen with dual pantries & expansive work island, perfect for entertaining friends & family; parties & teambuilding events too! The Owner's Suite has its own private exit to the 1700 sqft double view deck with 360-degree views of the Valley. Sunset will take your breath away - - spectacular mountain views of Red Mountain, Superstition, Santan, Goldfield, McDowell & Estrella mountains plus jaw-dropping views of the Valley - all the way to downtown Phoenix. Flexible living spaces abound inside & out, with room for an RV garage - even a guest house. Not only are there gorgeous views of the entire Valley, but the yard includes an oversized patio, sparkling pool and grassy oasis with mature palm trees & saguaros. It is a sight to behold! Enjoy the seclusion of this gated community while also having easy freeway access, making for a convenient commute anywhere in the Valley, and only a 25min drive to Valley airports. Saguaro Lake, Canyon Lake & the Salt River are just 20min away. Hiking & biking paths are right outside your front door. Come enjoy the good life here in the Valley of the Sun. Make plans to see this one today!

35003 N Ellsworth Road Queen Creek, AZ 85144

$1,600,000
5 Beds
4.5 Baths
4,411 SqFt
Status Active
MLS # 6761572
Property Type Single Family Residence
Price Type --
Escape to this beautiful custom home on 3.44 acres in the heart of Queen Creek. The coveted views of the San Tan Mountains are second to none. The original home boasts charm and rustic appeal; while the new 2,500sf addition is grand, displays beautiful views, provides many opportunities and extends the comfort throughout. Break bread in the dining room fit for royalty, relax and unwind in either of the living rooms and host your guests or spoil your family with a loft and kitchenette upstairs. Outside you will find a covered patio, perfect for sunsets, a steel covered garage and an inside garage/shop. Not to mention the 3.44 acres of land, just waiting for your personal touch -- horse stables? Arena? Pool and spa? The choice is yours! This home is truly one of a kind!

5960 E Pershing Avenue Scottsdale, AZ 85254

$1,600,000
4 Beds
2 Baths
2,750 SqFt
Status Active
MLS # 6736871
Property Type Single Family Residence
Price Type --
Complete remodel with the finest finishes. 4/2 plus den, & event room 6 burner stove/oven with pot filler, griddle and wok, full extension soft close cabinets, quartz counters, 6 person island seating, custom red brick back slash, farm sink, Plank Tile Floors, high end luxury custom lighting throughout, double opening slider for indoor/outdoor living, pebble flooring in master rain shower, deep soaking tub, double sink, custom built in walk in closet, private master patio, gold luxury lighting, complete interior and exterior paint, travertine tiled patio, extended patio covering, outdoor kitchen and sink, on demand hot water tank, all new windows, two large custom pergola gazebos with curtains and lighting, high end turf, waterfall and rock designed pool with shallow ''kid'' area, CLICK M huge covered parking and triple wide gate for toys and cars, 4 storage sheds, extended event space, media room, bar with quartz, custom cabinets, wine fridge, new HVAC, insulation, electrical, new hardware through out, new doors, custom window insets and front door installed, a true paradise for living, entertaining and running a business from your very own home

3623 E Arabian Drive Gilbert, AZ 85296

$1,600,000
5 Beds
3.5 Baths
4,801 SqFt
Status Active
MLS # 6769068
Property Type Single Family Residence
Price Type --
Luxury retreat in Morrison Ranch! This energy-efficient 5-bed, 3.5-bath home features Tesla solar panels, power wall batteries, and an EV charger. The gourmet kitchen boasts Wolf and Subzero appliances, granite counters, and a walk-in pantry. Enjoy wood flooring, upgraded carpet, plantation shutters, and smart fans/blinds throughout. Stay connected with Cat 6 wiring, 8 speaker zones, and hard-wired security cameras. The heated/chilled pool and spa with waterfall, scuppers, and rain sheer, extended patio, gazebo, and gas fire pit are perfect for relaxing year round. Laundry room is equipped with sink, cabinets, washer/dryer. Garage includes service door, cabinets & epoxy floors. Located by the greenbelt and surrounded by single-story homes for added privacy. This home is truly a must-see! Continue upstairs and into the charming loft w/built-in bookshelves. End your busy day in the primary bedroom, showcasing a walk-in closet and a lavish ensuite w/dual vanities. Don't forget about the large den w/outdoor access, perfect for an office. Lastly, the wonderful backyard includes a covered patio, a lovely gazebo, fire pit, and a sparkling blue pool/spa combo. This is the opportunity of a lifetime, hurry and act now!

5225 E Whitton Avenue Phoenix, AZ 85018

$1,600,000
4 Beds
3 Baths
2,559 SqFt
Status Active Under Contract
MLS # 6767461
Property Type Single Family Residence
Price Type --
Quintessential Arcadia ranch home tucked on quiet street. Perfect remodel opportunity on a large lot with new builds selling $3.5 million and above in surrounding cul de sac. With a large front and back yard this 4 bedroom, 3 bathroom home is the perfect family home. Light and bright open concept living, breakfast nook, and kitchen. With a wall of French doors, chef's kitchen includes custom cabinets, quartz counters, and eat-up kitchen island. Entertain family and friends in the backyard's custom pool with expanded pool deck, ramada, built-in BBQ, and sprawling grass yard. Split floor plan, bonus playroom/office and NY brownstone city feel in a sprawling Arcadia lot. Lots of upside and multiple offers anticipated. Walk or bike on the canal or drive minutes to reach Phoenix's top resorts, golf, hiking, dining, and shopping.

1733 S Sugarloaf Road Cornville, AZ 86325

$1,600,000
2 Beds
2 Baths
1,399 SqFt
Status Active
MLS # 6767899
Property Type Single Family Residence
Price Type --
Beloved Gardens: An Oak Creek Waterfront Creative Haven of Internationally Known Artists. Step into the enchanting world of Beloved Gardens, a cherished Oak Creek frontage artistic sanctuary nestled in the heart of a picturesque landscape with three notable buildings and 2 more ready to complete. Years of love have added the lush gardens that prompted the name of this place. This 3.77-acre oasis is a testament to the artists' creativity, passion for nature, and artistic vision. Zoned for horses and livestock, this property offers endless possibilities for those seeking a peaceful retreat or a place to connect with nature and water. Immerse yourself in the world of Beloved Gardens, where art, nature, and creativity converge in a harmonious symphony. Discover the magic that has inspired many artworks and experience the transformative power of this unique space and be transported to a realm where beauty and artistry intertwine in perfect harmony, surrounded by the soothing sounds of Oak Creek and the abundance of nature. Features: - Lush gardens teeming with mature and productive fruit trees, including apples, apricots, peaches, pistachios, paw paw, persimmon, jujubes, white mulberries, black bamboo, and red hawthorne - Serene and inspiring surroundings that have served as a muse for artistic endeavors - Thoughtfully designed outdoor spaces that invite contemplation, creativity, and connection with nature - A harmonious blend of art and nature, with sculptures and installations dotting the landscape - Sustainable practices integrated into the garden's design, reflecting the Kleins' commitment to environmental stewardship - A place of beauty and inspiration that has captivated visitors and art enthusiasts alike - A testament to the owners' love for the land and their dedication to creating a space that nurtures both the soul and the senses Additional Features: - Property sits has 220 feet of Oak Creek frontage on both sides (440 ft total) offering a tranquil and picturesque setting with plentiful fish, wildlife and seasonal fireflies. - Two wells and a hand pump provide ample water supply for the gardens, ensuring the lush vegetation thrives - Two 3,000-gallon holding tanks store water for irrigation, allowing for sustainable water management practices -400 amp electric service to handle high electrical loads for multiple buildings - A root cellar adds a touch of rustic charm and practicality to the property, providing storage for produce and other essentials - 2 chicken coops with roosts and feeders to house dozens of chickens - Sheep pen with shelters and feeder Current Buildings on the Property: - A flex building of 414 sq feet with a bathroom, offering versatile space for various uses - A 248 square foot straw bale building, adding a touch of rustic charm to the property - A 185 square foot art studio, providing a serene space for artistic expression - A 1399 square foot earth ship home with an attached 180 sq ft greenhouse, blending sustainability with unique architectural design By investing in Beloved Gardens you have the opportunity to capitalize and secure a property with built-in equity. With the potential for the two additional auxiliary buildings to be completed, adding significant value to the property, buyers can further enhance their equity position. This unique opportunity to purchase a property below market value and potentially increase its worth through development makes Beloved Gardens a compelling investment choice. Analysis: By purchasing this property at $1.8M, you are buying equity with the potential for up to a 10% under market value. With the completion of the two additional auxiliary buildings -one is a 3 bed 2 bath 2000 sq ft. modern home with engineered design completed and an additional 3,200 sq.ft + ready to go building - the property's value and amenities will be significantly enhanced to an estimated value of $2.6M, making it a lucrative investment opportunity. The serene setting on Oak Creek adds to the property's appeal, offering a one of a kind opportunity for a tranquil and picturesque backdrop for all creative endeavors and the nature-inspired living.

12593 E Desert Cove Avenue Scottsdale, AZ 85259

$1,600,000
4 Beds
2.5 Baths
3,356 SqFt
Status Active
MLS # 6750510
Property Type Single Family Residence
Price Type --
Welcome Home to this completely remodeled home in Sierra Foothills! Highly desired gated community with gorgeous mountain views. Step inside to the open concept layout featuring high ceilings with crown molding throughout. Gorgeous finishes were selected including wood look tile floors, white double stacked cabinets, quartzite countertops, marble showers and Restoration Hardware bathrooms vanities. This home also has an office with AV storage closet and media/theater room featuring a wet bar. A backyard that dreams are made of with waterfall featured pool, misting system throughout, luscious vegetation, outdoor kitchen, firepit, and grassy area. Located near BASIS, Mayo Clinic, hiking trails, golfing, this Arizona home can't be beat!

17871 E Paria Canyon Drive Rio Verde, AZ 85263

$1,599,999
3 Beds
3.5 Baths
3,249 SqFt
Status Active
MLS # 6758076
Property Type Single Family Residence
Price Type --
This Gorgeous Never before lived in New Build at the Trilogy Verde River Community is sure to delight! Enjoy Resort Style living with Three spacious bedroom suites, a Den, a 4-Car Garage and Luxurious upgrades throughout. Walk in the front door and experience an Open Concept with a Massive great room, Stunning 12' Ceilings, a Fully Equipped Gourmet Kitchen with a Beautiful expansive center island and attached Dining Room... an Entertainers Dream! The Master Suite has a Beautiful Full Glass Shower, Soaking Tub, Dual Vanities, and a HUGE walk-in closet. Enter the backyard through a 20' multi-slide door to your expansive patio, built in grill area, fireplace and sweeping Mountain Views. Verde River Golf and Social Club includes Golf, Tennis, Pickleball, Spas, Pools & More

37325 N 29th Avenue Phoenix, AZ 85086

$1,599,999
6 Beds
4.5 Baths
5,097 SqFt
Status Active
MLS # 6759908
Property Type Single Family Residence
Price Type --
Stunning Custom Hillside Luxury Home with Unparalleled Privacy and Views. Experience ultimate privacy and breathtaking views in this custom, privately-gated hillside home. Nestled atop a mountain in the exclusive Desert Hills community, this spacious residence offers a seamless blend of indoor and outdoor living spaces, perfect for entertaining or enjoying tranquil solitude. The main level is the heart of this home, you'll find the updated kitchen with extensive custom cabinets, granite countertops, high-end appliances, and plenty of storage, including a huge walk-in pantry. The views are stunning from the dining room, family room and master bedroom with a luxurious ensuite and walk-in closet. Bedrooms two and three each with generous walk-in closets complete the main level with direct entry from the extra deep 3 car garage. The lower level provides 3 additional bedrooms and recreational spaces, ensuring ample room for everyone. It includes a theater room with stadium seating for 9, full gym/ exercise room, and bonus/game room, providing ample space for relaxation and recreation. Additional storage closets on both levels add to the convenience. The property has a whole house H20 Concepts water system, owned propane tank and private commercial grade gated driveway. Lighting, garage doors and commercial quality gate are all app / Wifi controlled. 2000sf graded pad to east of home ready for future projects. This home is full of custom features; windows by Pella, eight-foot solid core interior/exterior doors and ten-foot ceilings throughout, including vaulted ceilings in select areas. Over $250k has been invested in upgraded landscaping and improvements, enhancing the beauty and functionality of the 2.4-acre private hillside lot. This home is extremely well-insulated, with power bills averaging less than $300 a month, an amazing feat for a home of this size. Conveniently located between Anthem and Tramonto, east of I-17, this home offers spectacular views over Anthem, Scottsdale, and Cave Creek, extending to the Four Peaks mountain range over 50 miles away. Enjoy the added bonus of watching the Anthem 4th of July fireworks from the comfort of your patio.

6429 S Honor Court Gilbert, AZ 85298

$1,599,999
6 Beds
3.5 Baths
4,997 SqFt
Status Active Under Contract
MLS # 6775657
Property Type Single Family Residence
Price Type --
This stunning, fully remodeled single-story estate home in the Seville Golf & Country Club community in Gilbert, AZ, offers a luxurious living experience. Situated on an expansive 27,000 square foot lot, this 4,997 square foot home combines custom design with a resort-like backyard that includes features such as a lighted sport court, a sunken trampoline, a spacious garden, an RV pad, and a large patio. The backyard also includes a sparkling pool with waterfalls, creating an ideal space for relaxation and entertainment. The home's interior, redesigned by a well-known local designer, showcases an open-concept floor plan. The kitchen has been expanded and reconfigured, providing a chef's dream workspace with top-tier appliances and finishes. This residence features a double split floor plan with ample bedrooms to accommodate diverse lifestyles. The primary suite includes a vast walk-in closet and direct access to the backyard, alongside an elegantly remodeled bathroom with a walk-in shower. Residents of Seville Golf & Country Club benefit from exclusive amenities, including an 18-hole golf course, two on-site restaurants, a fitness center, multiple pools, tennis and pickleball courts, and other recreation facilities. This move-in-ready home presents an excellent opportunity for those looking for a luxury home that blends interior and outdoor living spaces, and also offers high class private country club amenities. There is no lifestyle quite like the Seville lifestyle!

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