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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8100 E Camelback Road Unit 67 Scottsdale, AZ 85251

$780,000

2 Beds

2 Baths

1,783 SqFt

Status Active

MLS # 6765720

Property Type Townhouse

Price Type --

Charming Townhouse for Sale in Scottsdale! Nestled in a guarded, gated community near Indian Bend Park, this delightful residence boasts two community heated pools and a tennis/pickleball court. Inside, you'll be greeted by soaring vaulted ceilings adorned with real beams, creating an open, airy feel. This inviting home features 2 bedrooms and 2 bathrooms, including a master suite with a luxurious walk-in shower and dual sinks. Enjoy the warmth of a wood-burning fireplace in the great room, complemented by wood and tile flooring throughout. The spacious kitchen is a chef's dream, featuring granite countertops, double KitchenAid ovens (one convection), a built-in microwave, and a smooth top electric stove. Custom double doors lead to a flagstone patio in the backyard, perfect for outdoor r

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15038 E Greene Valley Drive Fountain Hills, AZ 85268

$780,000

4 Beds

3 Baths

2,300 SqFt

Status Active

MLS # 6775086

Property Type Single Family Residence

Price Type --

This immaculate 4-bedroom, 3-bath home is a true masterpiece, boasting a perfect blend of comfort, style, and modern amenities. The heart of this home lies in its gourmet kitchen, where culinary dreams come to life. Enjoy cooking and entertaining with a generous island that provides ample space for meal prep and casual dining, stunning quartz countertops and black cabinets. For the wine enthusiasts, a delightful coffee and wine area complete with a wine fridge awaits, ready to host your next gathering. Pamper yourself in the luxurious primary ensuite bathroom, complete with a walk-in shower,dual vanity and ample closet. A versatile 4th bedroom with its own ensuite bathroom, ideal for guests or as a private home office. With the seller-owned solar system, you'll enjoy economical utilities.

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13446 W Coronado Road Goodyear, AZ 85395

$780,000

4 Beds

2.5 Baths

2,970 SqFt

Status Active

MLS # 6777058

Property Type Single Family Residence

Price Type --

Gorgeous 4-bed, 2.5-bath home in Palm Valley! Situated on the 6th-hole fairway of the Palm Valley Golf Course, this beauty has all the bells & whistles. Great curb appeal with a 3-car garage, stone accent details & desert landscape. The fabulous interior boasts neutral paint, abundant natural light, archways, and tile flooring w/soft carpet and built-ins in all the right places. You'll LOVE the living & dining combo with w/bookshelves and the separate family room with a Heat and Glo gas fireplace! The large kitchen features built-in appliances, RO System, slate tile backsplash, center island, breakfast area, deep cabinet pull outs, and pot hanger. Enter the owner's bedroom to find backyard access and an ensuite with dual sinks, a jetted tub, a separate shower, & a walk-in closet. Hunter-Douglas window coverings throughout. Laundry room with a sink & cabinetry. The backyard is an entertainer's delight! Designed for year-round enjoyment, it features covered & elevated patios, a built-in BBQ, a fire pit, new Pebble-Tec, well-laid flagstone, and a gas heated pool/spa combo with a rock waterfall & slide. PLUS! The view fence offers stunning golf course vistas, creating a fantastic backdrop for your living space. In addition to it all this home has a warranted roof, energy efficient windows by Everlasting Window with lifetime warranty, and two brand new Semper Fi AC Units. This gem won't disappoint! Wow, just WOW!

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22202 N 44th Place Phoenix, AZ 85050

$780,000

3 Beds

2 Baths

1,871 SqFt

Status Active

MLS # 6781755

Property Type Single Family Residence

Price Type --

Welcome to this beautifully appointed home remodeled with classic, inviting decor, modern amenities, well-maintained inside and out on a quiet street in Desert Ridge. Features include an open floorplan kitchen with stainless appliances, granite counters and plenty of counter space for cooking and entertaining that seamlessly flows into the warm atmosphere of the living areas. Remodeled cozy bedrooms. Bathrooms with sleek counters and tile t/o, customized expanded with a rain shower, new counter tops, lighting and window. Sparkling pool for those summer days, with still plenty of manicured backyard space for play and pets. Convenience abounds with an array of entertainment, shopping, dining, churches, schools, walking and bicycling all close by. There is much more you're sure to love!

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4306 W Saguaro Park Lane Glendale, AZ 85310

$780,000

3 Beds

3 Baths

2,740 SqFt

Status Active Under Contract

MLS # 6733883

Property Type Single Family Residence

Price Type --

Beautiful 3 bedroom, 3 bathroom plus a large bonus room on .34 acres in the gated community of JJ Ranch! Home features and large kitchen with shaker style cabinetry, stainless appliances, cooktop island and granter countertops. Gas fireplace in spacious living room, tray ceiling details in dining and breakfast areas. Master suite with private patio entrance, large walk-in shower, as well as walk in closet. Large bonus room can be used as secondary master that hosts a full bathroom and French doors leading to covered patio. Backyard includes pebble-tea pool, large covered and outdoor tile, BBQ area and fireplace and HUGE side yard area with RV gate. Plenty of space and features to fit all your needs as well as a central vac system in home!!

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208 W Portland Street Unit 659 Phoenix, AZ 85003

$780,000

2 Beds

2.5 Baths

1,431 SqFt

Status Active Under Contract

MLS # 6757466

Property Type Apartment

Price Type --

Luxurious Portland Place condo with stunning views now available! Located in the heart of Phoenix on coveted Portland Park! This special unit is located on the TOP FLOOR overlooking the Japanese Friendship Garden & includes TWO UNDERGROUND PARKING SPACES. Open floor plan features 2 bed, 2.5 bath w/high ceilings, panoramic windows, brick fireplace, powder bath & laundry room. The luxurious kitchen offers wood cabinetry, granite counters, wall oven, new SS fridge and a huge island/breakfast bar. Each bedroom in this double ensuite plan has a luxurious private bath and custom walk-in closet. Amenities include include ROOFTOP POOL, BBQ grills, comfy seating areas & workout room! Walk your dog to Hance Park, hang out at Burton Barr library, or stroll over to Roosevelt Row and enjoy your life!

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10284 E Hillery Drive Scottsdale, AZ 85255

$780,000

3 Beds

2 Baths

1,564 SqFt

Status Active Under Contract

MLS # 6766654

Property Type Single Family Residence

Price Type --

Welcome to your dream home in the sought-after McDowell Mountain Ranch community! This beautifully updated 3-bedroom, 2-bathroom residence offers the perfect blend of modern comfort and outdoor living. It features a beautiful open kitchen concept leading into the incredible backyard. Refrigerator as well as washer and dryer stay. Community amenities include: children's playgrounds, splash pads, tennis, pickleball and basketball courts as well as gorgeous pools and hot tubs.

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1526 S Villas Court Chandler, AZ 85286

$780,000

3 Beds

2.5 Baths

2,471 SqFt

Status Active Under Contract

MLS # 6765723

Property Type Single Family Residence

Price Type --

PURSUE EXTRAORDINARY ARIZONA ISLAND WATERFRONT Living in Chandler's Destination Lake community... PECOS RANCH. Easily one of the most Notable Water View/Lined Cul-de-Sac Home Sites in the master plan... soak in 270 degrees of unobstructed backyard Water Way Views w/Mature Pine/Canopy Tree Lines. This Newly Transformed Magazine Model Residence delivers that AZ Lifestyle you've been searching for! Consider it all... Centralized Chandler Proximity w/all the must-have attractions surrounding your doorstep including 101/202 Freeway Access & Price Corridor Biz/Tech District, Scenic Lake Master Plan w/Boating & Fishing Privileges & Community Pool/Amenities, Excelling School Options in all directions, Desired Great Room Floor Plan influencing everyday functionality & featuring 3 beds, 2.5 baths, Upstairs Loft w/Vaulted Ceilings + 2 additional downstairs flex spaces & Central Great Room featuring Real Wood Burning Fireplace, NEW MOVE-IN READY Interior showcasing NEW OWNER UPGRADES FEATURES FINISHES EVERYWHERE... including Chefs Gourmet Kitchen Layout w/upgraded Kitchen Cabinetry, Granite Counters & Kitchen Island, New Built-in SS Kitchen Whirlpool Appliances, Water View Windows w/Beautiful Bright Natural Light throughout, Secluded Owner's Retreat modeling Vaulted Ceilings & SPA-STYLE Bath + Sizable Walk-in Closet, NEW CARPET, NEW PAINT, NEW BATHS, NEW LIGHTING, NEW ROOF Dec 2022, SEE ITEMIZED UPGRADE LIST FOR ALL RECENT ADDITIONS! Step outside to Open Air & Waterfront SUNSET Views all complimented with Newer Paver Hardscape Patios/Decking, Green Turf, Flowering Succulents & Grown Pygmy Palms wrapping the entire property grounds. A truly remarkable AZ VILLA that offers A UNIQUE RESORT WATERFRONT LIFESTYLE ALL YEAR AROUND! SCHEDULE A PRIVATE SHOWING TO SEE TODAY!

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20520 E Mockingbird Drive Queen Creek, AZ 85142

$780,000

3 Beds

3 Baths

2,881 SqFt

Status Active

MLS # 6671896

Property Type Single Family Residence

Price Type --

Elegant 3 bedroom w/office, 3 bathroom single story with an amazing sparkling pool, tall 10 foot ceilings and open floor plan with so much light! Beautiful gourmet kitchen with granite counters and gas cooktop is ideal for displaying cooking events. The kitchen flows into the central family room with an added dining area overlooking the backyard oasis. Tile in the walkways and durable laminate in the kitchen and bathrooms. Sonos speaker system in the family room and in the perfectly placed bonus room where you can easily fit a solid pool table or anything you want. Gorgeous backyard oasis with sparkling lounging pool, spa, artificial grass, and horseshoe pits. Pavered patio and walkways around the pool connect to the pergola-covered BBQ/kitchenette area with misters and electric sunscreen to keep the party extra cool. Block wall has been raised an extra 2 feet for more privacy and protection. Front yard has a private courtyard for patio furniture, winter fire pits, and more. You could have 3 different activities happening at the same time - this home is perfect for entertaining! There is an oversized laundry room that has extra cabinets and sink. 3-car tandem garage with plenty of storage racks and shelves, rain gutters for the monsoon seasons, holiday lighting and outlets placed around the outer roofline, 2 side yard sheds, and a 50 amp plugin next to the garage for the RV. The Queen Creek Station community maintains a large pool, basketball court, walkways, streetscapes, and parks. Costco, Walmart, and many popular restaurants, are within a 5 minute drive. Seven minutes to the 202 freeway can take you anywhere in the valley quickly.

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22830 N 32nd Lane Phoenix, AZ 85027

$780,000

4 Beds

3.5 Baths

4,196 SqFt

Status Active

MLS # 6734780

Property Type Single Family Residence

Price Type --

4 bedroom, 3.5 bath stunner in highly sought after Adobe Highlands. Quick, easy access to I-17 & 101. Grand entrance opens to living room with gas fireplace, formal dining room and lovely bay windows. Recently updated kitchen with granite countertops, 5 burner gas cooktop, chief sink, wall oven, spacious breakfast bar and island opening up to enormous great room. Large master bedroom includes a deep walk in closet with loads of builds-ins for storage. Master bath is a dream with huge soaking tub and oversized shower. Guest room includes en suite can be used as a secondary master. All bedrooms have large walk-in closets! Roomy upstairs loft makes a great media or game room. Backyard oasis has heated pool, spa, outdoor fireplace seating area & built-in... BBQ alon

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1870 E Indigo Drive Chandler, AZ 85286

$780,000

5 Beds

4 Baths

3,596 SqFt

Status Active

MLS # 6769277

Property Type Single Family Residence

Price Type --

Pristine condition & huge, very private over-sized lot in a Prime Chandler location! 2 Story, 5 bed 4 bath, 3,596 sq ft North/South facing home w/ a loft. Located in the highly sought after neighborhood of Cooper Greens. Beautiful curb appeal w/ stone detail. Formal living & dining room. Family room flows through to the kitchen. Tile is in all of the high traffic areas. Kitchen has beautiful upgraded alder cabinets, granite counters & a gas range, stainless appliances w/ an island. Family room has built-in shelving & a lot of natural light throughout. Primary suite has a walk-in closet primary bathroom has a separate tub & shower & dual vanities & a huge Balcony that overlooks the green, lush backyard. 3 upstairs bedroom have never been used. Bonus room could be used as office space or

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29893 N 118th Drive Peoria, AZ 85383

Open House

$780,000

4 Beds

2.5 Baths

3,051 SqFt

Status Active

MLS # 6779898

Property Type Single Family Residence

Price Type --

Discover this stunning 4-bedroom, 2.5-bath gem in Vistancia Village! Fantastic curb appeal boasting a 3-car garage, an RV gate, a tasteful extended paver driveway, and an impeccably designed front landscape. Fall in love with the enchanting open layout with high ceilings, a soothing palette, efficient recessed lighting, and attractive wood-look flooring. The delightful kitchen comes with marble counters, abundant wood shaker cabinetry with crown molding, a decorative backsplash, chic pendant lighting, top-of-the-line stainless steel appliances, a walk-in pantry, and a large island with a breakfast bar for casual meals. You'll also find a versatile den, ideal for an office or study. The main bedroom showcases plush carpeting, clerestory windows for natural light, and an ensuite with double vanities, a lavish raindrop shower, and a walk-in closet. Venture out onto the sizeable backyard, featuring a covered patio, well-laid pavers, low-maintenance artificial turf, and a warm firepit for evenings under the stars. Desirable Community amenities include a tennis court, a recreation center, golf courses, a playground, and a refreshing pool. This gem will sell fast!

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