A 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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10184 E Peak Circle
Scottsdale, AZ 85262
$5,700,000
4
Beds
4.5
Baths
4,519
SqFt
Status
Active
MLS #
6754344
Property Type
Single Family Residence
Price Type
--
Estancia Golf Membership available * Completely remodeled in 2023 * Elegant residence in the guard-gated community of Estancia with timeless architectural details * The exterior details include an organic composition of dry-stacked stone, stucco and glass with a new concrete tile roof * Sited on an elevated lot with panoramic views of Pinnacle Peak * Split floor plan with a living room, family room that connects to an open kitchen, two guest suites and a dedicated office with full bath providing the flexibility for a fourth bedroom * Interior details include wood plank flooring, granite and quartz countertops, custom-crafted cabinetry, all new custom lighting and dry-stacked stone fireplace surrounds * The resort-style outdoor living space offers a large covered patio, heated pool and spa built-in BBQ station and a gas fireplace *
24863 N 103rd Way
Scottsdale, AZ 85255
$5,695,000
4
Beds
4.5
Baths
5,932
SqFt
Status
Active
MLS #
6723326
Property Type
Single Family Residence
Price Type
--
Amazing opportunity for brand new build contemporary styled construction in North Scottsdale! Camelot Homes award winning Cavallo floor plan offers all Single level and the best indoor/outdoor living. Price includes all structural components, wine wall, highly upgraded contemporary cabinets , oversized tile flooring, countertops and tile, electrical and low voltage upgrades as well as 3 en suite bedrooms, casita, office and bonus room along with standard 4 car garage. Amazing views from courtyard and rear yard. Price also includes upgraded pool and landscaping. Pool/landscaping currently being installed. Estimated closing End of the year 2024. Video is from our Bronco model and not representative of home for sale.
3866 S Clubhouse Circle Unit 259
Flagstaff, AZ 86005
$5,695,000
5
Beds
4.5
Baths
6,522
SqFt
Status
Active
MLS #
6691628
Property Type
Single Family Residence
Price Type
--
Situated on one of Pine Canyon's best fairway lots this stunning mountain lodge has dramatic views of the 17th green and the San Fransisco Peaks. The grand ledge stone and wood exterior design continues inside as textured stone columns frame the great room and a stunning floor-to-ceiling ledge stone fireplace takes center stage along with expansive windows and glass double doors to frame the outdoor views. The Great room towers to over 25 feet with a beamed ceiling and partially surrounded by the wood and metal railings of the upper loft area. This very special home features two primary suites, each with its own fireplace and luxurious bath. The Great room floor plan blends the the living, dining and kitchen areas altogether. Between the the Great room and dining area is a ... wet bar with wine and beverage coolers as well as a sumptuous powder room. The dining area has room for family and guests. The country kitchen is a chefs delight with a large butcher board and granite center island, Viking appliances and a walk-in pantry. You enter the outdoor patio deck from either the Great room or kitchen. Its a great place to enjoy the fabulous views, relax in the hot tub, or to enjoy a barbecue. The main level laundry/craft room is the access into the large 3 car garage. The lower walk-out level includes a large media/game room with a large sitting area with fireplace and a separate area for the pool table. This all opens to two covered patios with similar golf course and mountain views as the main deck above. The lower level also includes 2 bedrooms, a large bunk room, 2 baths and two large mechanical closets with an abundance of storage. The loft includes a comfy office, a large seating area and half bath (This seating area can easily be converted to a spacious guest en-suite by adding a shower to the half bath). High end finishes abound in including ledge stone and steal fireplace surrounds, hardwood flooring, floating vanities, custom wood and metal railings and beamed and tongue & groove ceiling treatments. This is Pine Canyon living at its best.
12913 N 119th Street
Scottsdale, AZ 85259
$5,600,000
7
Beds
11
Baths
11,548
SqFt
Status
Active
MLS #
6743300
Property Type
Single Family Residence
Price Type
--
BREATHTAKING VIEWS, ULTIMATE PRIVACY AND ENTERTAINER'S DREAM in this guard gated golf club community. Perched on a hill in the back of the neighborhood, this home gives you the feeling of being on top of the world as you step out onto one of the many balconies where you can enjoy unobstructed views of Camelback Mountain and the shimmering city lights below. Imagine hosting ultimate gatherings in a home that's designed for entertaining! This paradise offers your very own movie theater, billiard room with bar, fitness center with sauna, wine cellar, sprawling open-concept living and kitchen area that flows effortlessly into a fully equipped bar and outdoor patio. A spa and 2 beautiful pools with waterfalls share a private courtyard space. Main house includes a separate guest quarters -- along with an additional detached guest house adjacent to the courtyard pool. Even a 7 CAR GARAGE including space for an RV or boat! This home is more than just a place to live - it's a venue for experiences....a perfect escape from the hustle and bustle of everyday life while still being close to all amenities and events Scottsdale has to offer!
5455 E Berneil Drive
Paradise Valley, AZ 85253
$5,595,000
5
Beds
5.5
Baths
7,010
SqFt
Status
Active
MLS #
6753337
Property Type
Single Family Residence
Price Type
--
This luxurious estate is located in the gated Hidden Paradise neighborhood of Paradise Valley, an exclusive enclave known for its seclusion and prestige, featuring 17 exceptional homes which are rarely on the market. As you approach the property, the beautifully landscaped grounds catch your eye, leading you to the circle driveway with a porte-cochère. The grand entrance of the home features a striking 10-foot door that opens into a beautiful stone foyer, offering a glimpse straight through the living room and out to the outdoor spaces. The recently renovated home boasts stunning grounds, light and bright lavish interiors with spacious rooms, soaring ceilings and expansive high windows that bring the outdoors inside. New hardwood floors add warmth and elegance to every room,
10701 E Jomax Road Unit 1
Scottsdale, AZ 85255
$5,575,000
5
Beds
5
Baths
5,000
SqFt
Status
Active
MLS #
6707666
Property Type
Single Family Residence
Price Type
--
A striking 'Moditerranean' from Temac Development and Candelaria Design Associates - Situated on 2.5 Acres, this classic estate boasts some of the best views in the area with privacy and seclusion. Unobstructed views of Pinnacle Peak, Troon Mountain, and Troon Country Club, all with the freedom of no HOA. Nearby world-class Four Seasons Resort Scottsdale. Your inquiry to this iconic estate is welcomed.
24779 N 91st Street
Scottsdale, AZ 85255
$5,500,000
4
Beds
4.5
Baths
5,010
SqFt
Status
Active
MLS #
6779265
Property Type
Single Family Residence
Price Type
--
NEW 2024 CONSTRUCTION contemporary masterpiece awaits in prestigious North Scottsdale Solitude community, situated on a premier lot with breathtaking south-facing views of the McDowell Mountains, Camelback Mountain, open desert, and sparkling city lights. A true architectural gem designed by Swaback Architects and built by Sonora West Development, this 5000+ square feet 4-bedroom, 4.5-bathroom with a den or office space blends seamlessly into the desert landscape with clean lines and an eye-catching façade. Inside, the modern minimalist open concept design is equipped with advanced Smart Home technology, ensuring every modern convenience is within reach and welcoming you with soaring ceilings, oak wood floors, custom chandeliers, and high-end finishes throughout. Expansive retractable doors lead to a stunning South-facing outdoor living area, where the outdoor views are just as remarkable as the interior finishes. This resort inspired space features a heated pool and spa, stone paver decking, custom fire pit, and barbecue area with stone finishes. The custom designed landscape includes stone paver patios, turf, desert plantings, and stylish block and metal fencing, all visible from covered patios with wood tongue-and-groove ceilings. This Arizona desert retreat is truly a ready-to-enjoy oasis.
Amado
AZ 85645
$5,500,000
18
Beds
14
Baths
2,197
SqFt
Status
Active
MLS #
6682628
Property Type
Single Family Residence
Price Type
--
Tucked away at the base of the Santa Rita Mountains, yet close to Tucson, GreenValley and Tubac, lies this 160-acre horse and cattle ranch. Immediately adjacent to it is an accompanying 6,000-acre state cattle grazing lease, where one can ride, hike, nature watch, or hunt. This exceptional Ranch features many amenities including 2 residences (1972, 2017) suitable for owners or family situated on the Headquarters parcel and 4 homes suitable for guests or crew. Verdant irrigated pastures, beautiful old mesquite trees and breathtaking views of Elephant Head Butte and the Santa Cruz River make this retreat unique. Cherished as a private family homestead for many years, this land dates back to the historic Canoa Land Grant and was later owned by the Amado family for which the town is named.
42035 N 113th Way
Scottsdale, AZ 85262
$5,500,000
5
Beds
4.5
Baths
5,416
SqFt
Status
Active
MLS #
6758699
Property Type
Single Family Residence
Price Type
--
Immediate Lifestyle Membership to the Desert Mountain Club is available from Seller! Enjoy sweeping Valley, sunsets and city light views from this elevated Apache Peak setting, nestled into a 1.6 acres featuring impressive outcroppings and stunning saguaros. The newly remodeled interiors offer today's convenient lifestyle and light finishes, while preserving the charm of it's original Southwest spirit. Discover the sculptural lines throughout that offer visual interest in the walls, ceiling and hearth details rarely found in available homes today. Appreciate each room's unique beauty, from the magnificent great room hearth to the state-of-the-art chef's kitchen. The main home with three bedrooms and office is complimented by a nearly 1000 sf 2-bedroom & great room casita Non-stop Valley views can be seen from all of the public spaces of the home: great room, dining room, kitchen and family room. The remodel includes soft white walls throughout, complimented by richly refinished alder doors and beams in a rich espresso. A new wood-framed front door and sidelights are enhanced by Taliesin-styled clear art glass. The open great room and dining room boast unique ceiling details with a focus on the artisan-designed sculptural hearth that is the essence of the home's architectural style. A stunningly remodeled culinary center by Camerucci Montenegro Design holds many surprises from designer appliances, to creative and plentiful cabinet storage, to inspired LED lighting that magically changes color to match your mood or holiday occasion. White floor-to-ceiling tile, natural stone and pendant lighting compliment the natural lighting and views. The primary wing includes an office with mountain views and a large bedroom that overlooks the sundeck with valley and city views, also boasting a large spa-like bath plus a stacking washer/dryer. The sprawling patio offers two distinct areas, both with a front row seat to grand views: a dream outdoor kitchen with dining and bistro seating, and an expansive sundeck with pool and spa. A very private casita offers spacious accommodation for guests, showcasing a great room with hearth, kitchenette & bar, and two bedrooms sharing a Jack & Jill bath with stacking laundry. With a greatroom king sleeper sofa, this casita easily hosts 6 guests. The owners enjoy this entire casita as flex space, utilizing the great room area as a music/band studio, one bedroom as a music composing studio with queen convertible sofa, and another bedroom as a home gym with king Murphy bed... all designed to be easily convertible to a customary housing arrangement for family and guests. The three-car oversized garage is a car-lovers dream, with over 30 linear feet of red and grey steel cabinets/ workshop/ storage space, gray epoxy floors, electric car outlet, plus full-sized Gladiator freezer and refrigerator duo. The remodel includes all new baths, wood flooring, updated HVAC units and water heaters ( 2 of the 3 are tankless.) All in fabulous Desert Mountain with 7 golf courses, 10 restaurants, state-of-the-art tennis/fitness center and spa, 25+ miles of private hiking trails, bocce, croquet and a myriad of activities and year-round events for the entire family. Furniture is available by separate Bill of Sale. The Seller's Lifestyle Membership is available by application to the Desert Mountain Club. Buyer may elect to purchase it, with NO WAITLIST, at Close of Escrow - through the Club at Buyer's expense. After purchasing this Lifestyle Membership, Buyer may in the future elect to waitlist with the Club for a Golf Membership. This Lifestyle Membership may be maintained, as such, permanently. This is a rare opportunity for a Buyer to own a Lifestyle Membership, where only Golf Memberships are available to new applicants.
10627 E Hedgehog Place
Scottsdale, AZ 85262
$5,500,000
4
Beds
5.5
Baths
5,873
SqFt
Status
Active
MLS #
6702937
Property Type
Single Family Residence
Price Type
--
PINNACLE PEAK HILLSIDE CUSTOM RESORT HOME: Perched high on the mountain, backs to ''The Rocks'' and Four Seasons. The main house is 4917 sf with 360 degree views and features reclaimed solid wood floors, rustic beam ceilings & organic stones incorporated throughtout, Huge Chef's Kitchen with Double Sub Zero and Wolf apppliances. Kitchen is open to the dining area with two 10' tall vanishing patio doors. Primary bedroom has fireplace/private deck to the outside living areas. Two more bedrooms, lower level and very private den/office with expensive views. Extraordinary Guest House is over 900 square feet w/Bedroom, separate Living Room, Kitchen Area, W/D, & Full Bath. Complete home automation w/remote access to control temperature, lighting, alarm and pool & spa and Automated shades. Multiple fireplaces, patios & private balconies showcase panoramic views of boulder outcroppings, mountains & city lights to the north. Pool and spa with water fall features and slide. Outdoor covered kitchen BBQ. This is one of a kind custom Sante Fe with some contemporary flair, built on the side of the mountain with expansive unobstructed views. Multiple fireplaces, private balconies, Note the beautiful large organic stones were incorporated into the architecture with rustic beams and vegas, to create opulence and charm. The private resort-style outdoor living area features self-cleaning pebbletec pool, spa, two large waterfall features, outdoor shower, and fully covered outdoor living room. All furnishings are available on separate bill of sale. See the Matterport walk through to see the floorplan and walk through the rooms. Pinnacle Peak, Tom's Thumb, Granite Mt Visitors Center Hiking are hiking trails within walking distance. Scottsdale National Golf Course is minutes away. This feels like Hotel Arizona.
6228 N Cattletrack Road
Scottsdale, AZ 85250
$5,500,000
5
Beds
8.5
Baths
5,161
SqFt
Status
Active
MLS #
6724076
Property Type
Single Family Residence
Price Type
--
This to be built prime 1.9-acre parcel is located just south of Lincoln on the Scottsdale/Paradise Valley border, placing you in the heart of Scottsdale's best shopping, restaurants, and golf courses. Originally two parcels now combined you get one of the larges lots in the area. The property has approved plans with car garage, multiple dwellings and luxurious design by Kendle Design collaborative. Price reflects lots and completed plans and engineering. Don't miss this incredible opportunity to live the Scottsdale lifestyle!
20242 N 103rd Way Unit 1246
Scottsdale, AZ 85255
$5,500,000
5
Beds
5.5
Baths
5,463
SqFt
Status
Active
MLS #
6778867
Property Type
Single Family Residence
Price Type
--
Esteemed location in Silverleaf, desirably located in the Windgate Pass guard gate this stunning custom ranch estate is beaming with charm and character. Architecturally striking curb appeal with welcoming grass front yard with spacious entertaining courtyard with fireplace and covered porch entry. Well-designed home plan offers functionality and sophistication, with the great room as the heart of the home anchored with a grand stone fireplace with soaring wood beam lined ceilings and wrap around wet bar, spacious secondary ensuite bedrooms, executive office and plus den with dual access to great room and secondary bedroom wing, this gem offers optimal living experiences. Inviting kitchen oversized eat in island opens to front covered porch convenient for relaxing and unwinding, or perfect for social gatherings in front courtyard. Refined style, with impressive details woven throughout including wood accented ceilings with beams, tongue/groove, coffered, and brick features, stone and wood flooring, and wood window shutters. Enchanting backyard boasts Sonoran Mountain views featuring heated pool and spa with lounging hardscape, expansive covered patio with fireplace, built-in BBQ and ramada for entertaining, firepit with sitting area, and generous turfed grass area. Sought after location, conveniently located near neighborhood parks and lake, this ranch one story with no stairs or step downs will impressive the most discerning clients.