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

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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Sort by: Select Price, Low to High Price, High to Low Newer Listings First Older Listings First Open House Date

39068 N 15th Avenue Phoenix, AZ 85086

$1,170,000

5 Beds

4 Baths

4,500 SqFt

Status Active

MLS # 6737942

Property Type Single Family Residence

Price Type --

Price reduced to let you know the owner is extremely motivated. All offers will be strongly considered. Seller carry is a realist option for the right buyer. Privately gated property with with an exceptional opportunity for a multigenerational compund.Sitting on 3.25 acres, this estate provides ample space for all your horses, RVs, and other recreational vehicles, Featuring availability for up to 5 50 AMP RV hookups. The custom home has been completely remodeled, including updates to the piping, electrical systems, and insulation, among other improvements. With its high-income potential and extensive amenities, this property is perfect for those seeking both luxury and functionality in a serene, spacious environment.

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4402 E Montecito Avenue Phoenix, AZ 85018

$1,170,000

4 Beds

3 Baths

2,105 SqFt

Status Active

MLS # 6755246

Property Type Single Family Residence

Price Type --

If Arcadia is where you want to live, now is your chance. This beautiful 4 bedroom/3 bath/2 car garage home went through a major refresh in 2018, including electric, plumbing, and addition. Even the power lines have been buried. Thoughtful attention was given to the kitchen including an extended cabinetry area, quartz counters, stainless appliances, and an island perfect for four barstools. Primary bedroom has a nice sized walk-in closet and a gorgeous ensuite bathroom. Other bedrooms are spacious with areas for beds, desks, toys and storage. Dual French doors lead to the back yard which has been generously refurbished with private courtyard area and an extended paver area for entertaining. There is plenty of room for fun or parties. Enjoy morning coffee from your front yard court yard. The entire home is done in neutral colors so bring your favorite colorful furniture, accent pieces and art work for display.

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24067 S 218th Place Queen Creek, AZ 85142

Open House

$1,169,995

3 Beds

3.5 Baths

3,310 SqFt

Status Active

MLS # 6787491

Property Type Single Family Residence

Price Type --

Our highly sought after Triana floor plan is a gorgeous single level with over 3,300 sqft. Upon entering the front of the property, you are greeted by a very large but also very private courtyard. The home features an open floor plan with a large great room and dining right off of the kitchen. The kitchen has a massive kitchen island, loads of cabinetry, large walk in pantry, high end SS appliances and gorgeous quartz countertops. This home also features very large bedrooms including the secondary bedrooms and tons of closet space. The home is upgraded from floor to ceiling with every lavish features you have come to expect from an award-winning luxury home builder!

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9626 E Bunny Ear Lane Gold Canyon, AZ 85118

$1,169,000

4 Beds

2.5 Baths

2,483 SqFt

Status Active

MLS # 6715417

Property Type Single Family Residence

Price Type --

This Exquisite Custom Home backs Private Federal and State Land. Spectacular views of Superstition Mountains, City lights, Dinosaur Mountain, Hiking Trails, and Golf Courses. This Luxury and Craftsmanship Home Features 2x6 Exterior Frame Construction, Urethane Foam, Sand Stucco Finish, Exterior Stone, Anderson 100 Series Dual Panel Glass, 3 Panel Retractable Walls of Glass in Great Room. Trane HVAC, Electric Car Charging Station, Security, Central Vac, Nest Thermostats, 42'' Cabinets, Quartz Countertops, Kitchen Island Waterfall, Pot Filler, Bosch Appliance Packages, and so much more. Designed for future Observation platform and space for future RV Garage, Shop and/or Parking. Completion Nov 2024.

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4306 E Superstition Boulevard Apache Junction, AZ 85119

$1,169,000

4 Beds

2.5 Baths

2,483 SqFt

Status Active

MLS # 6764405

Property Type Single Family Residence

Price Type --

Beautiful custom home, 2,483 sq. ft, 4 bedrooms and 2.5 bathrooms, all nestled on a sprawling 1.18-acre lot that offers both serenity and stunning Superstition Mountain Views. With no HOA, you have the freedom to truly make this property your own. Enjoy the convenience of 5 garage spaces, including a remarkable 50' RV garage and a detached 16x24 single-car garage/workshop—perfect for your outdoor toys. Plenty of room for horses w/ riding trails near by! Featuring epoxy flooring, a dedicated car charging station, and a sports equipment wall, this garage is a dream for recreational enthusiasts. The heart of the home boasts beautiful quartz countertops, ample cabinetry, stainless steel appliances, and a massive kitchen island that invites gatherings and culinary creativity. Experience seamless indoor and outdoor living with three-panel retractable sliding glass door leading to a screened-in porch. Step outside to a pergola-covered outdoor kitchen complete with an electric sunshade and ceiling fans, ideal for entertaining or relaxing in style. The iron-fenced backyard and fully landscaped front and back yards provide privacy and security. Stay comfortable year-round with Nest thermostats and a state-of-the-art two-panel security system. Don't miss the opportunity to own this exceptional property where luxury meets outdoor adventure.

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4345 Copperhead Drive Wickenburg, AZ 85390

$1,168,000

3 Beds

2.5 Baths

2,366 SqFt

Status Active

MLS # 6760452

Property Type Single Family Residence

Price Type --

Welcome to this highly upgraded 3-bedroom, 2.5-bathroom home with a den/office, perfectly positioned on an oversized, premium lot in the sought-after Wickenburg Ranch community. With no homes behind, this property offers stunning, uninterrupted views, creating a private and serene atmosphere. Inside, you'll find a carefully curated interior that showcases designer finishes and thoughtful touches throughout. The open-concept layout is perfect for modern living, with a gourmet kitchen featuring high-end appliances including a gas cooktop, beautiful quartz countertops, and custom cabinetry. The spacious great room with tasteful beams is ideal for relaxing or entertaining, featuring large windows to bring in natural light while framing those beautiful views. The primary suite is a true... retreat, complete with a luxurious en suite bathroom and ample closet space. Two additional bedrooms and a versatile den provide plenty of room for family, guests, or a home office. Upgraded solid core doors throughout the home. With the coveted 4' extended garage, there's plenty of space for vehicles, storage, or even a workshop. Outside, the oversized lot is simply priceless, whether you want to relax in your dream backyard or simply enjoy the tranquility of the surrounding landscape. This home combines premium upgrades, incredible views, and unmatched privacy, all in the exclusive Wickenburg Ranch.

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3208 N Mansfield Drive Litchfield Park, AZ 85340

$1,167,500

5 Beds

4 Baths

4,141 SqFt

Status Active

MLS # 6769929

Property Type Single Family Residence

Price Type --

Welcome to Litchfield Farms, a gated community with 1-acre lots! This 4,141 sq. ft. 5-bed, 4-bath home features soaring ceilings, new carpet, marble tile, and a great room with a gas fireplace. The chef's kitchen boasts granite counters, staggered cabinets, a gas cooktop, convection oven, and pantry. The master suite includes vaulted ceilings, a cozy fireplace, dual walk-in closets, a spa-like bathroom, and a private balcony. The backyard is perfect for entertaining, with a pool, spa, ramada, outdoor kitchen, fire pit, RV parking, and room for a casita. Minutes from I-10, 303, shopping, dining, golf, and top schools!

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1323 E Oregon Avenue Phoenix, AZ 85014

$1,165,000

5 Beds

4.5 Baths

3,100 SqFt

Status Active

MLS # 6709552

Property Type Single Family Residence

Price Type --

Welcome to this stunning, fully renovated home with a detached guest house, located in the highly sought-after North Central Corridor of Uptown Phoenix. The home features an open floor plan with a spacious great room and a front den. It includes three bedrooms and two bathrooms in the main house, arranged in a split floor plan for privacy. The expansive primary bedroom provides a spa-like sanctuary with a large walk-in shower, dual vanities, an illuminated mirror, and a private water closet. The walk-in closet is equipped with built-ins for efficient storage and organization. The guest house offers two additional bedrooms, each with its own bathroom, a powder room, and a separate laundry room ready for washer/dryer installation. The kitchen boasts SS appliances and vaulted ceilings. ceilings. NO HOA! With potential for short-term rentals, home office, or a mother-in-law setup, the possibilities are limitless.

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218 W Ridgecrest Road Phoenix, AZ 85086

$1,165,000

4 Beds

3 Baths

2,861 SqFt

Status Active

MLS # 6758144

Property Type Single Family Residence

Price Type --

STUNNING VIEW! & Room for Toys! Private Custom 4 Bedrm 2.5 Bath Home, on 1.62 Ares 2.5 Car Garage and (2) RVs Carport w/ electric hook-up PLUS Additional Separate DETACHED Metal Building-Work-Shop/ Garage) w/HVAC- 30X50 (1500 sq ft) has 220 circuit & (2)50 HP 3 Phase generator. Gorgeous Custom Home w/ 14ft ceilings, scraped wood flooring thru-out! Exposed Vega Beams in Great Room & Open Kitchen w/ floor to ceiling gas fireplace! Kitchen has hightop bar/island granite counters, Custom Knotty Alder Cabinets w/ high-end appliances! Subzero Refrige/freezer, GE Induction cooktop, GE Double Ovens, Bosh Dishwasher, Wall of Windows for PHENOMENAL VIEWS to backyard & beyond=Mountain Range! Split Floor-plan/ 2 Landry areas! HUGE Master Suite =cozy gas fireplace & Those Unbelievable views w/ French private walk-out to spacious patio and backyard!! Newly remodeled Ensuite featuring vessel tub & separate tiled shower, double vanities, large walk-in closet w/ access to Master Laundry Room. Powder Room custom herringbone tile floors & rustic vessel sink! 2nd Bedroom has Custom Murphy Bed! Double Door entry to Office/4th Bedroom off Great Room w/ views of the backyard & Mountains- Closet has pulldown stairwell for storage in attic. Large Pebble tec pool w/ gorgeous rock waterfall & gas fire-pit! Newly built 20 X18 Beautiful Ramada w/ Edison lighting. This home has so much to offer!! MUST SEE!! Custom Built 2002 By Sunlore Homes - Original Owner! 1.62 Acres with Mature Trees and AMAZING VIEWS!! 8ft Doors, 14 ft Ceiling! Custom Knotty Alder WOOD Doors and Cabinets! & Vega Beams 2.5 Car Garage with 220 Volt Circuit Large Covered Attached RV Parking with electric hookup 30 X 50 (1500 sq ft ) Separate Metal Building Shop/ Garage with 220 circuit (and 50 HP 3 Phase generator available that will not convey unless requested). 20 X 18 Oversized New Ramada in the Backyard with Edison lighting. 3 NEWER HVAC 2020 90 Gallon Propane Tank for Fireplaces and Fire-pit Roof Recoated 2023 Oversized Septic Great Water Pressure from Private Well !! Wired for surround sound and security Custom Murphy bed in 2nd Bedroom Horse Property Chicken Coop Block Fenced Backyard and separate fenced side yard. Wash on Property

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4222 E Hunter Court Cave Creek, AZ 85331

$1,161,033

3 Beds

3.5 Baths

3,050 SqFt

Status Active Under Contract

MLS # 6736554

Property Type Single Family Residence

Price Type --

Quick Move-in Ready Home! Backyard Landscaping included! Peak View is an intimate gated enclave of luxury single-level homes offering modern home designs by Cachet Homes. This Plan One home is situated on a view lot that backs to open space and features 3,050 SF, 3 bedrooms, 3.5 baths, a 3-car garage, game room, den, and an open-concept kitchen with a large island and quartz countertops. Additional upgrades include desert front yard landscaping, Nantucket Shaker white cabinets, garage epoxy coating, and more!

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1331 E Voltaire Avenue Phoenix, AZ 85022

$1,159,000

5 Beds

3 Baths

3,842 SqFt

Status Active

MLS # 6707762

Property Type Single Family Residence

Price Type --

Stunning 5BR/3BA home in Moonridge Golf Estates w/ spectacular views all around! Substantial remodel in 2021, w/ add'l upgrades since to include: full roof replacement, new Rheem water heater + Grundfos recirc pump, garage mini-split for climate control, epoxy garage floors, new cabinets, workbench & Omni Track tool holders, Belgard pavers, quartz counters/marble backsplash in kitchen & laundry, & quartz shower walls + ceramic tile floors in add'l baths. Floor plan provides great entertaining space downstairs incl. lg kitchen w/ oversized island & full bed/bath that could serve as guest suite or second primary. Upstairs find lg. beds all w/ walk-ins, gorgeous primary ensuite w/ mountain views + step out balcony. Backs to hillside wash providing privacy, views & those AZ sunset skies!

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7175 E Camelback Road Unit 202 Scottsdale, AZ 85251

$1,159,000

2 Beds

2 Baths

1,381 SqFt

Status Active

MLS # 6753329

Property Type Apartment

Price Type --

Experience unparalleled elegance and comfort in this stunning two-bedroom, two-bathroom, all en suite residence located in the highly sought-after Scottsdale Waterfront Residences. Designed with a split floor plan for maximum privacy and convenience, this home features a beautifully updated interior with newly painted walls and exquisite wood floors throughout. Enjoy a serene, quiet retreat on your private balcony, perfect for relaxation and taking in the surroundings. Scottsdale Waterfront Residences offers exceptional amenities, including a dedicated concierge service, valet parking, a rooftop pool with spectacular views, and a state-of-the-art fitness center. Located within walking distance to the renowned restaurants and shops at Fashion Square, as well as the vibrant Old Town Scottsdale and Scottsdale Waterfront.

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