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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507 N Spur Drive Payson, AZ 85541

$1,135,000

3 Beds

3 Baths

3,106 SqFt

Status Active

MLS # 6726055

Property Type Single Family Residence

Price Type --

Unique custom home located on a heavily wooded 1 acre lot. Close to 100 large Ponderosa Pines, some 70ft tall, providing shade and seclusion. Main level living with a great room, kitchen, dining room, sunken sunroom, master bedroom and second bedroom. Main level living is mostly solid red oak flooring. Separate bedroom and family room area upstairs. Nice private covered decks. Property is completely fenced with chain link and wrought iron. Large 1000 sq ft workshop that has unlimited uses. It would be a great quilting space, woodworking shop or add water and sewer and have a great guest house. Greenhouse included. Several fruit trees and garden plots on the property. Fireplace in the Great Room and master bedroom. This is a one of a kind home in a great area!

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10491 E Meadowhill Drive Scottsdale, AZ 85255

$1,135,000

5 Beds

3.5 Baths

3,466 SqFt

Status Active

MLS # 6781668

Property Type Single Family Residence

Price Type --

This stunning home in gated McDowell Mountain Ranch offers elegance and privacy with 5 bedrooms, 3.5 baths, and no neighbors behind. The open floor plan features high ceilings, large windows, and a bright, airy feel. A chef's dream kitchen awaits, complete with stainless steel appliances, granite counters, and a spacious island. The home also boasts two A/C units, ample storage, and a beautiful backyard with a sparkling pool and covered patio for entertaining or relaxing. Ideally located near Arizona's best hiking and biking trails, this home is a rare blend of luxury and convenience.

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10455 E Sheena Drive Scottsdale, AZ 85255

$1,135,000

4 Beds

2 Baths

2,294 SqFt

Status Active Under Contract

MLS # 6776856

Property Type Single Family Residence

Price Type --

This stunning McDowell Mountain Ranch property offers a perfect blend of luxury and comfort, featuring 4 spacious bedrooms and 2 modern bathrooms. The open-concept floor plan is designed for both relaxation and entertaining, highlighted by a beautiful kitchen and inviting living areas filled with natural light. Step outside to your private backyard oasis, complete with sparkling pool and spa, barbeque, and fireplace perfect for enjoying the Arizona sunshine. Located in a desirable gated neighborhood, you'll have easy access to top-rated schools, shopping, dining, and outdoor activities. Don't miss the chance to make this exceptional home yours.

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5672 W Bruno Canyon Drive Prescott, AZ 86305

$1,129,000

3 Beds

2 Baths

2,024 SqFt

Status Active

MLS # 6758560

Property Type Single Family Residence

Price Type --

GOLF COURSE LIVING! Very unique location offering spectacular golf course views. 3 bedroom 2 bath home with spacious direct entry two car garage. Beautifully landscaped property with fully fenced in back yard is perfect for outdoor entertaining. Inside you'll find upgrades throughout including modern fixtures, premium finishes and upgraded appliances. Experience luxury living with this open floor plan that provides plenty of natural light. Don't miss the opportunity to own this stunning move-in ready home. Talking Rock is a gated private community for members only. Amenities include: award winning Jay Morrish designed Golf Course, The Ranch House restaurant and bar, Coop's Coffee House, fitness center, bocce, pickle ball courts, tennis court, pool and dog park.

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12628 N 2nd Street Phoenix, AZ 85022

$1,129,000

4 Beds

3 Baths

3,164 SqFt

Status Active

MLS # 6688012

Property Type Single Family Residence

Price Type --

Mountains everywhere! This is it! One-of-a-kind huge lot backing to preserve! This amazing & updated home is very special! Owners remodeled & expanded the Family Room/Kitchen for an open concept! A true Gourmet kitchen w/the perfect Mega 12' Island! This property is an Entertainer's delight w/lots of indoor and outdoor spaces. 4 bedrooms & ensuite den for the perfect at home/work/zoom space. Huge Split Primary Ensuite. Bathroom w/spa features: Elegant shower & soaking tub w/jets and therapy bubbles! Formal living room as well for extra living space. True Arizona landscape w/natural desert, trees, garden, paths, ramada, firepit, patios, & space for a pool! Your own gate to the preserve! Lots of trails! Near Gold Key Racquet Club & Moon Valley CC nearby! Located in North Mountain area.

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22855 E Twilight Drive Queen Creek, AZ 85142

$1,129,000

4 Beds

3.5 Baths

3,796 SqFt

Status Active

MLS # 6752504

Property Type Single Family Residence

Price Type --

EXQUISITE LUXURY ESTATE! This coveted David Weekley Tranquility floorplan offers 3796 sq ft of single level luxury living that extends to a backyard retreat including a NEWLY built custom pool. This home offers 4 bedrooms plus den & hobby room, 3.5 baths & 3 car garage! Upon entry you will immediately sense the spaciousness & open concept floorplan with soaring ceilings, attention to detail, & custom lighting throughout. The designer kitchen offers 2 toned shaker cabinets that run floor to ceiling, quartz countertops, large island, & perfectly positioned butlers pantry. The primary retreat offers a large bath with a soaking tub, large walk in shower & 2 large walk-in closets with the laundry room conveniently attached! Every inch of this home is masterfully planned & beautifully designed!

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6429 E Eugie Terrace Scottsdale, AZ 85254

Open House

$1,129,000

3 Beds

2 Baths

1,945 SqFt

Status Active

MLS # 6781534

Property Type Single Family Residence

Price Type --

Top to bottom remodel in Scottsdale's most desirable zip code of 85254. Redesigned and renovated throughout with a gourmet kitchen, quartz counters with complimenting tile splash, shaker cabinetry, oversized island with a waterfall finish, complete stainless steel appliance package, and a full-length coffee bar. The master suite features a walk-in closet, custom bathroom with a walk-in shower, tile shower surrounds, & new dual vanity. Don't miss the big tickets items including new windows, spray foam insulation within the exterior walls and ceiling for increased energy efficiency, full length covered patio, fresh front & rear landscape, extended height block fencing for increased privacy, & RV gate for additional parking. Home is located near top-rated schools and extensive options for entertainment, restaurants, and shopping. Desert Ridge is 10 minutes north while Kierland & The Quarter are quick trip east. Close to the 51 and 101 freeways providing easy access throughout the Valley.

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4208 E Via Dona Road Cave Creek, AZ 85331

$1,126,595

3 Beds

3.5 Baths

3,050 SqFt

Status Active

MLS # 6745294

Property Type Single Family Residence

Price Type --

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9514 W Running Deer Trail Peoria, AZ 85383

$1,125,000

5 Beds

3.5 Baths

4,633 SqFt

Status Active

MLS # 6785640

Property Type Single Family Residence

Price Type --

'Welcome to your new home with 7 Car Garages ! This amazing 4600+ sq ft, 5-bedroom, 4-bath home is situated on a 1/3+ acre premium lot in the beautiful gated community of Pleasant Valley. The master bedroom is located downstairs, and there are 4 split bedrooms upstairs. The entry features travertine tile. The kitchen includes a spacious eat-in area, stainless steel appliances. Additionally, there is a formal dining area, family room, and living room. The master bath features a separate tub, shower, and a huge walk-in closet. There is also a game room/loft upstairs and 3 gas fireplaces. The resort-style rear yard boasts a Pebble Tec pool with a rock waterfall. The home has new interior and exterior paint and additional separate 4-car garage & an Office

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36382 N 35th Street Cave Creek, AZ 85331

$1,125,000

5 Beds

3 Baths

3,128 SqFt

Status Active

MLS # 6769458

Property Type Single Family Residence

Price Type --

Modern Rustic Custom Home sitting large on 1.5+ acre horse privileged lot surrounded by panoramic mountain views! Majestic beauty, western ambiance, privacy, & free from HOA! Meticulously maintained home through pride of ownership w/updates made each year. 4 bdrm, 3 bath, PLUS Office w/glass door entry, Game/Bonus room w/wet bar & French doors to cov'd patio, & Flex Room w/closet offering so many uses...as another bdrm, multi-gen living, rental, homeschool, fitness center... the choice is yours! Popular white cabinets in kitchen, granite c-tops, bar seating & eat-in nook. Formal dining room & cozy family room w/fireplace. Stunning resort-caliber lot w/Baja pool, manicured grassy area, gazebo, fencing, RV Gate & Parking, low maintenance landscape & land left over to add your toys & dreams! The oversized backyard has a grassy area, a lovely gazebo, a covered patio, mature trees, a storage shed, a fenced pool with a boulder waterfall, a built-in BBQ, and amazing sunset views. Plus, there is a dirt-fenced area and extra land space for all your animals to frolic in the field or gardening area. See it, love it, live it!

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4055 N Recker Road Unit 29 Mesa, AZ 85215

$1,125,000

4 Beds

3 Baths

3,190 SqFt

Status Active

MLS # 6776140

Property Type Single Family Residence

Price Type --

WELCOME HOME! This custom single-story home w/breathtaking mountain views, nestled in the exclusive gated community of Red Mountain Ranch's Country Club Estates. Crafted for those who value lifestyle, luxury, & stunning scenery, this 4-B, 3BA residence has it all for both relaxation & entertaining. Two of the spacious primary suites, each w/its own ensuite bathroom. All of the bedrooms have a walk-in closet. The open floor plan flows effortlessly, featuring a den perfect for a music room, a formal dining area, & a gourmet kitchen that blends seamlessly w/the welcoming family room. Outside, you'll find an entertainer's paradise, complete w/a built-in BBQ, putting green, sparkling pool, & lush lawn, all framed by scenic golf course & majestic mountain views.

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6525 E Cave Creek Road Unit 15 Cave Creek, AZ 85331

$1,125,000

2 Beds

2.5 Baths

2,078 SqFt

Status Active

MLS # 6783182

Property Type Single Family Residence

Price Type --

Designed by renowned modern architect Shawn Kaffer, Cave Creek now has it's first modern community, This home is constructed with an innovated method utilizing insulated concrete (GFRC) providing high R values not found in stick-built homes. Stay cool, and quiet and enjoy low energy bills. Luxurious Great Room and Kitchen with 14' to 17' ceilings, two master bedrooms and baths, large Den/Office and powder room. All commercial grade windows and doors with a 10' fiberglass door at the entry and 10' glass doors to the back patio. Enjoy all seasons on the sun and shade patio with built in BBQ island, gas firepit, and grassy sitting area under the trees. Surrounded by hiking and biking trails all within minutes of the home. Walk to some of the best restaurants in Cave Creek. Exterior walls and ceilings are constructed from high density foam and coated inside and out with GFRC for strength and rigidity. This method provides R values not found in stick-built homes. The walls are R-40 and the ceilings are R-60. This combined with Low E commercial glass windows and doors provides a very high energy efficient dwelling.

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