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.
Click Here to See What Your Home is Worth
32621 N 15th Lane
Phoenix, AZ 85085
$1,149,900
4
Beds
3
Baths
3,012
SqFt
Status
Active Under Contract
MLS #
6754033
Property Type
Single Family Residence
Price Type
--
Don't miss this stunning home with unobstructed mountain views! The heated pool, spa, gas firepit with conversation area, and built-in bbq make this home feel like a vacation everyday! Large covered patio, pavers, synthetic grass, and professional landscaping complete the backyard oasis. This triple split 4 bedroom plus flex front room is complete with 3 bathrooms and a 3 car garage. New premium luxury vinyl plank flooring throughout living areas including primary ensuite. Secondary bedrooms have new carpeting. This home has all new paint and updated trim and moldings throughout. Located on a cul de sac in a small gated enclave of highly sought after Sonoran Foothills surrounded by trails and parks, this home is ideal for Arizona living.
15604 E Scorpion Drive
Fountain Hills, AZ 85268
$1,149,900
3
Beds
3
Baths
2,046
SqFt
Status
Active Under Contract
MLS #
6763720
Property Type
Single Family Residence
Price Type
--
Gorgeous Spec Home with a private pool just completed! Contemporary styled crown molding & exquisite features throughout this one! Fabulous kitchen boasts Quartz countertops with waterfall edges to the floor on the island, shaker style cabinets with lighting & hidden outlets on backsplash. Bosch stainless steel appliances which includes full size oven as well as a Convection/Microwave combo. Beverage fridge added for additional cooled storage & entertaining. 6 foot electric, color changing, remote controlled fireplace. Ensuite master has his/her sinks, custom shower with dual heads, shampoo niches & a bench seat as well as a huge walk in closet with multi-level shelving/rods and a window for ample lighting. Wonderful laundry room has upper/lower cabinets, a sink & hanging rod. Over-sized & insulated 3 car garage pre-wired for future wall mount mini split AC system with epoxy floor, utility door & on demand tankless hot water heater. Fully landscaped desert front yard & artificial turf in back both featuring lighted steps & pathway lighting. Pool has pebble sheen finish, raised tile wall, 3 waterfall scupper features & a bathing platform/over-sized seat. wifi accessible controls, Dusk to dawn exterior photocell coach lights. Custom wrought iron view fencing & side gate to the backyard. All cabinets are soft close doors & drawers with custom 7 black hardware. Ceiling fans throughout the home. Home is pre-wired for cable, satellite, wi-fi, surround sound speakers in the greatroom & back patio ceiling speakers. Elongated low water use, comfort height toilets in all 3 bathrooms. Upgraded spray foam insulation in the home & garage to help save on electric bills.
7285 E Arlington Road
Scottsdale, AZ 85250
$1,149,900
2
Beds
2.5
Baths
2,463
SqFt
Status
Active
MLS #
6769913
Property Type
Single Family Residence
Price Type
--
Welcome to the Classic Updated & Renovated Detached Patio Home located in the Gated Community of *La Jolla Blanca* Camelback Mountain Views & Arizona Sunsets* Private Courtyard, Stunning Entry W/ Old World Charm, Open Gorgeous Kitchen with a Beautifully Extended Island. 5 Burner Gas Cook Top, Stainless steel Appliances, Custom Cabinets, Breakfast Area & Formal Dining. Open Great Room W/ Fireplace. Updated Remodeled Bathrooms. *Two Spacious Primary Suites with Custom Bathrooms* Open Balcony Loft Game room or used as Office /Den- Exits to a upstairs View Deck. Private Rear Covered Patio with Electronic shades, Garage has epoxy Floors with Custom Cabinets. *Property is next to a Lush Greenbelt *Beautiful Place to Call Home* * Near Old Town Scottsdale's upscale Shopping & Fine Dining*
3014 E Avalon Drive
Phoenix, AZ 85016
$1,149,899
4
Beds
3
Baths
2,035
SqFt
Status
Active
MLS #
6743521
Property Type
Single Family Residence
Price Type
--
Step into a breathtaking, move-in-ready designer home, built in 2024. As you pass through the elegant iron front door, you're greeted by an open-concept living space featuring custom Engineered hardwood flooring, stainless steel Bespoke Appliances, over sized kitchen island w/built in microwave, 15in deep uppers, pot filler & Quarts counter tops/backsplash. Primary bedroom offers a Spacious walk in closet w/organizers and a luxurious en-suite with double rain shower, separate entrance to over sized covered back patio. Built-in closet & LED lights throughout. Bonus room can be an office/bedroom. Large laundry/pantry room w/sink and lots of storage. Foam insulation and synthetic stucco finish. MyQ App Garage door opener w/Camera, EV ready & epoxy flooring. See it today.. Owner/Agent.
41253 N Whistling Strait Court
Anthem, AZ 85086
$1,149,000
5
Beds
5
Baths
4,304
SqFt
Status
Active
MLS #
6756308
Property Type
Single Family Residence
Price Type
--
Stunning Golf Course & Mountain views. Sought after guest casita, spacious courtyard w/double iron doors, 9/24 exterior paint, 2022 remodel: double Sub-Zeros, Thermador Stove/DW, modern built in entertainment w/linear electric FP, wine fridge, Edgestar ice maker never out of ice! Other features: Zoned cooling and heating, Noche stone, fresh paint + carpeting (spare bdrms/casita). Granite stone/marble throughout baths. Huge primary suite w/stone/marble bath, jetted tub, massive closet. Updates: Sun screens/patio screens/gutters security door/epoxy garage, recirc hot water. ENERGY saving LED lighting! LOW maintenance landscape.
15426 S 4th Avenue
Phoenix, AZ 85045
$1,149,000
4
Beds
3
Baths
3,494
SqFt
Status
Active
MLS #
6773234
Property Type
Single Family Residence
Price Type
--
Tranquil Dove Canyon stunner w/mtn views all around. Luxury upgraded kitchen; GE double oven, granite counters/island, new JennAir dishwasher and cooktop, built-in Wolf microwave. Cabinets to ceiling! Copper sink & wine cooler bar. Large master, 3 walk-in closets. High end bathroom fixtures, walk-in tile shower w/textured glass, deep soaking tub. 1st floor in law/guest quarters. Plantation shutters thru out. New; air conditioner, water cond. system, retractable sunshades, industrial Guardian garage floor. New resort-style yard w/travertine patio. Self-clean blue pebble sheen pool, w/waterfall & new heater, spa, outdoor shower, built-in gas BBQ w/sink. New artificial grass, putting green, café lights, gas stone fireplace. Nearby hiking trail, tennis, pickleball, basketball, volleyball park
15528 E Chicory Drive
Fountain Hills, AZ 85268
$1,149,000
3
Beds
3
Baths
2,243
SqFt
Status
Active
MLS #
6776327
Property Type
Single Family Residence
Price Type
--
TO BE BUILT Spec Home. All photos are of previously built homes. List of amenities specific to this property in documents tab. Completed home by this builder is available to be shown. Lavish finishes to be installed throughout! Kitchen to include recessed shaker style-stained grade cabinets with stained grade 3-inch-thick wood shelves at beverage center area with custom paneled backsplash. Uppers are 36-inch tall with 15-inch-tall cabinets with glass inserts stacked above. Quartz counters at all tops throughout. Island has waterfall edges to the floor at both ends & granite composite Blanco brand single bowl under mount sink with Delta brand black finish high arching faucet with pull down sprayer & soap dispenser at the sink. Upgraded Bosch brand stainless steel appliance package that includes wall microwave/convection oven combo, induction smooth top cooktop, stainless steel interior dishwasher with hidden controls, stainless hood liner, and a 36-inch side by side fridge. Also will include an under-mount beverage center in the kitchen area. Cabinets have high end soft close hardware on all drawers & doors. Custom 7-inch black or satin nickel hardware pulls on all doors/drawers. Light rail trim molding at underside of kitchen upper cabinets to hide the under-counter LED strip lighting & outlets that are mounted under the uppers to hide from view and keep outlets out of the decorative tiled back splash. 6 foot linear electric fireplace with oversized 36 x 24 inch porcelain tiles on the face and returns. Garage has aluminum flush paneled overhead doors that will have upgraded insulated panels with powder coated finish. Doors will have Wi Fi Lift Master garage door openers. It will also be prewired and piped for a future wall mount mini split HVAC system. Floors are epoxy coated with a full broadcast paint chip finish. AC system includes multiple returns & additional sensors as necessary to balance out the cooling and heating throughout the home. Fully landscaped front & rear yards with generous amounts of plants, bushes, cacti & large rip rap rock for drainage areas. Artificial turf section in backyard. Crushed granite at all areas with an automated timer clock for the watering system. Lighted steps at the front & side walkway to the rear yard with other spot lighting & pathway way lighting included. Concrete pavers used at the driveway, sidewalks, the front entry & back patio. Concrete paver walkway from side of garage to a paver area behind the garage for trash cans & other storage. Silver colored travertine pavers used at back patio.
1615 Stoney Lane
Prescott, AZ 86303
$1,149,000
3
Beds
2.5
Baths
2,341
SqFt
Status
Active Under Contract
MLS #
6772460
Property Type
Single Family Residence
Price Type
--
Built in 2018, this custom home is tucked away in the serene Hassayampa Village Golf Community, located on a quiet cul-de-sac. It offers exceptional privacy with three spacious decks and a charming courtyard, perfect for relaxation and outdoor living. Nature bathing at its finest...all from the comfort and privacy of your own deck. A peaceful creek runs through the back of the property, enhancing the tranquility of the setting. Fully landscaped and equipped with a heated driveway and courtyard, it ensures a worry-free winter. Designed for easy, single-level living with no steps, this move-in-ready home is the perfect lock-and-leave property, offering low-maintenance luxury. Inside, the large great room and gourmet kitchen boast beamed ceilings, granite countertops, and beautiful stonework all complemented by high-end finishes and wood floors. An oversized three-car garage completes this quality-crafted home.
29399 N 67th Way
Scottsdale, AZ 85266
$1,149,000
3
Beds
2
Baths
2,159
SqFt
Status
Active
MLS #
6753207
Property Type
Single Family Residence
Price Type
--
This stunning and fully renovated home in North Scottsdale with a brand new pool will be your oasis in the desert! From oversized double doors to imported real hard wood floors, vaulted ceilings, a stone fire place with oversized bay windows and a large living room create a beautiful and bright space for entertaining or comfortable space to lounge. The kitchen boasts custom cabinets with 63 inch uppers, stunning backsplash, GE Cafe stainless steel appliances, and quartz countertops with a waterfall edge on the island. The master bathroom has been fully remodeled with double showerheads marble tile, and tall framed glass windows to enjoy a long steam. The roof was recently fully replaced and so was the AC. Come see this house before its too late!
5833 W Desperado Way
Phoenix, AZ 85083
$1,149,000
4
Beds
4.5
Baths
3,810
SqFt
Status
Active
MLS #
6759873
Property Type
Single Family Residence
Price Type
--
Welcome to the epitome of luxury living in Stetson Valley! This highly upgraded, meticulously cared for home is unlike any other. It's rare that a 3800+ sq/ft, single level home, in a quiet cul-de-sac lot, w/ gorgeous mountain views, complete privacy, and a long list of upgrades becomes available in Stetson Valley. The OWNED SOLAR (2 Tesla Powerwalls) stores energy for later use and allows home to operate off-grid. The 12.75kW Tesla solar panel array services entire property and can eliminates electric costs completely! In fact, APS provides the owner w/monthly credits that result in an annual check! Tesla Supercharger for vehicle charging. More 'big ticket' improvements include: NEW ROOF (2023). NEW 80-gallon water heater & exterior paint (2024), NEW GE Cafe Side-by-Side Refrigerator! Step inside and you'll appreciate the open floor-plan and abundant views of the surrounding mountains. There is a 'zero threshold' at the front door for ADA accessibility and easy moving. Each of the 4 bedrooms are spacious in size and include an en-suite full bathroom. Each bedroom has brand new carpet installed. There is plenty of space to spread out by taking advantage of the open study/den space and the dedicated dining room - both complete with real hardwood flooring, and custom high-end chandeliers. Dimmable lighting is available throughout. Real wood shutters. The primary suite is a perfect owner's retreat and includes a serene sitting area that overlooks the flowing water coming from the multiple pool fountains - as well as the stunning sunsets over the mountains. Primary bath features walk-in shower, a deep soaking tub, and an oversized walk-in closet. Head over to the kitchen to take in the 10-foot-wide granite island, stainless steel appliances (Bosch & Viking brand), and the walk-in pantry. RO drinking water and soft water systems are newer installs. 12 foot ceilings in living areas and primary bedroom, 10 foot ceilings on secondary bedrooms. This oversized 3 car garage provides ample space for a work area, and has epoxy floor paint, a large stainless-steel sink, and an abundance of custom lighting. Just inside the garage door is a spacious laundry room equipped with another stainless-steel sink, 2 dedicated circuits for a fridge and freezer, and option to install a gas or electric dryer. ADT wired and Frontpoint Wireless alarm systems are both available, plus two installed cameras and window/door sensors installed. This home's curb appeal is truly special and impresses at first site! The high-end turf, the meticulously maintained plants, and the entry/courtyard smooth patio pavers set the tone for the luxury vibe that awaits inside and out. Irrigation lines, and drainage pipes are installed in the courtyard - enabling for a 'no mess' watering and drainage setup. The backyard is something to marvel - with a clear view of surrounding mountains, and plentiful upgrades to enjoy and create lifelong memories with, including: a heated, pebbletech saltwater pool, equipped with baja step, in floor cleaning system and cascading water feature fountains. The spa flows graciously into the pool for extra ambiance. There are 2 hard plumbed gas-powered BBQ grills - perfect for cookouts, with spacious bar and island seating for guests. Newly installed landscaping lighting. Gas firepit with seating bench. Don't forget the custom putting green to help sharpen up your golf short game! Home is just 2 mins walk to one of Deer Valley School District's newest K-8 Schools (Inspiration Mountain). Lot adjacent to school is slated for a community/city park! it's just 10-15 mins to I-17 and retail/dining/entertainment options at The Shops at Norterra. Take the 3D virtual tour to fully capture the beauty and essence of this truly special property and plan a tour today!
2144 E State Avenue
Phoenix, AZ 85020
$1,148,900
3
Beds
3
Baths
2,528
SqFt
Status
Active Under Contract
MLS #
6767764
Property Type
Single Family Residence
Price Type
--
Experience the allure of this Sonoran gem, nestled against the stunning Phoenix Mountains Preserve in the highly sought-after Madison School District and Biltmore Area! Set on an oversized corner lot in the foothills of the Piestewa Peak Mountains, this contemporary adobe boasts breathtaking multi-million dollar views in every direction and no homeowners' association restrictions. This home has been completely remodeled, showcasing organic desert living in every detail and finish. As you stroll through the beautifully landscaped grounds and open floor plan, you'll appreciate the extensive upgrades, including a new roof, new AC, renovated pool with updated equipment, and fully replaced plumbing lines—all with transferable warranties. Entering through the modern front door, you are greeted by floor-to-ceiling windows that flood the living room with natural light, complemented by bleached oak flooring and enhanced lighting in the open great room concept. The kitchen seamlessly connects to a grand formal dining area featuring a custom wood accent wall and an exquisite quartz waterfall island that offers additional seating. Modern finishes adorn the kitchen, with custom two-tone white and brushed oak cabinets, quartz countertops that extend up the wall, gold hardware, new stainless steel appliances (fridge included), and a custom hood, creating a serene and sophisticated atmosphere. Adjacent to the kitchen, the family room dazzles with floor-to-ceiling windows and a new sliding door, accentuated by a real wood-burning fireplace, wood slat paneling, a quartz mantle, and custom floating shelves. The thoughtfully designed split floor plan includes a remarkable primary suite, showcasing more floor-to-ceiling windows, a new slider, and a custom barn door for privacy. The luxurious primary bath features floor-to-ceiling natural stone, a double sink with a floating oak vanity, LED mirrors, gold accents, and a custom-tiled rainfall shower with a handheld fixture. A free-standing soaking tub, complete with a chandelier, and an oversized walk-in closet complete this serene retreat. Two additional renovated bedrooms are conveniently located on the opposite side of the home, each featuring new doors, casings, hardwired lighting, fans, and dual-pane windows. You'll also find two beautifully updated guest bathrooms, with the first featuring calming desert hues, peach octagon flooring, and subway tile backsplash over the tub. The second bathroom boasts white subway tile, pebble shower flooring, quartz countertops, and modern gold fixtures. The interiors harmoniously blend urban living with serene surroundings, enhanced by new desert landscaping in the front and back yards. Enjoy evenings under your pergola patio, around the fire pit, or overlooking your newly refinished diving pool, which features pebble sheen, new tile work, and updated equipment. The wrap-around driveway leads to a side-entry two-car garage with newly epoxied flooring. This exceptional home is conveniently located near miles of renowned hiking trails, Biltmore Fashion Park, award-winning golf courses, fine dining, and shopping. Plus, one of the best elementary schools in the state is just a short walk away! Come see this stunning home in person to fully appreciate its beauty!
7141 E Rancho Vista Drive Unit 6012
Scottsdale, AZ 85251
$1,145,000
2
Beds
2
Baths
1,416
SqFt
Status
Active
MLS #
6753876
Property Type
Apartment
Price Type
--
With a sleek, modern design freshly remodeled from top to bottom in 2020, this is a home not to be missed. A sixth-floor end unit in Optima Camelview, this condo offers expansive glass walls with abundant natural light. From the engineered white oak flooring throughout to the all-new Lutron LED lighting, gorgeous light fixtures, and motorized shades. The kitchen & baths have all-new cabinetry & tile and plumbing fixtures with custom two-tone cabinets in the kitchen and serving area. Spacious island with Quartz counters & island seating. Newer stainless steel GE Monogram appliances and an under-counter wine refrigerator in the kitchen provide the perfect backdrop for entertaining. Outside, the patio features brand-new Italian tile and updated landscaping. Sunny East Facing patio brings in plenty of natural light all around. An oversized master bedroom offers a custom walk-in closet and enough room for a sitting area that has incredible views from high above. The location of this condo is what makes it so special. The home comes with 2 secure underground parking spaces and walkability to Old Town, restaurants, shopping, and the arts district. Every amenity is at your fingertips, with Metropolis Restaurant on-site, Concierge, Fitness Center, Basketball courts, Indoor Lap pool, outdoor swimming pools, and putting green.