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.

Click Here to See What Your Home is Worth

Listing types.

For Sale

For Rent

Land

Multifamily

Commercial

Location Search Nearby

BedsAny1+2+3+4+5+6+

BathsAny1+2+3+4+5+6+

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Property TypeAnyApartmentManufactured HomeSingle Family ResidenceTownhouseTwin Home

School District

Address, MLS# or Keyword

Home SizeAny600 ft2800 ft21,000 ft21,200 ft21,400 ft21,600 ft21,800 ft22,000 ft22,200 ft22,400 ft22,600 ft22,800 ft23,000 ft23,500 ft24,000 ft24,500 ft25,000 ft25,500 ft26,000 ft2

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Distressed

Open House

Location Search Nearby

BedsAny1+2+3+4+5+6+

BathsAny1+2+3+4+5+6+

Price MinAny$500$600$700$800$900$1,000$1,100$1,200$1,300$1,500$1,600$1,700$1,800$1,900$2,000$2,250$2,500$2,750$3,000$3,250$3,500$3,750$4,000$4,500$5,000$5,500$6,000$6,500$7,000$7,500$8,000$8,500$9,000$9,500$10,000

Price MaxAny$500$600$700$800$900$1,000$1,100$1,200$1,300$1,500$1,600$1,700$1,800$1,900$2,000$2,250$2,500$2,750$3,000$3,250$3,500$3,750$4,000$4,500$5,000$5,500$6,000$6,500$7,000$7,500$8,000$8,500$9,000$9,500$10,000

Advanced Options

Property TypeAnyApartmentManufactured HomeSingle Family ResidenceTownhouseTwin Home

School District

Address, MLS# or Keyword

Home SizeAny600 ft2800 ft21,000 ft21,200 ft21,400 ft21,600 ft21,800 ft22,000 ft22,200 ft22,400 ft22,600 ft22,800 ft23,000 ft23,500 ft24,000 ft24,500 ft25,000 ft25,500 ft26,000 ft2

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Location Search Nearby

Lot SizeAny1+ Acres2+ Acres3+ Acres4+ Acres5+ Acres6+ Acres7+ Acres8+ Acres9+ Acres10+ Acres20+ Acres30+ Acres40+ Acres50+ Acres

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Neighborhood

Address, MLS# or Keyword

Location Search Nearby

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

School District

Address, MLS# or Keyword

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Location Search Nearby

Lot SizeAny1+ Acres2+ Acres3+ Acres4+ Acres5+ Acres6+ Acres7+ Acres8+ Acres9+ Acres10+ Acres20+ Acres30+ Acres40+ Acres50+ Acres

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Address, MLS# or Keyword

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

View As: Thumbnails List

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

3821 E Monterosa Street Phoenix, AZ 85018

Open House

$780,000

3 Beds

2 Baths

1,514 SqFt

Status Active

MLS # 6747071

Property Type Single Family Residence

Price Type --

HUGE PRICE REDUCTION !!! $ 70,000 !!! A 3 bedroom 2 bath block construction home with a resurfaced pool, huge grass backyard with entertainment covered ramada with electric & storage shed. The original carport has been converted to a large bonus room and currently being used as a 4th bedroom. The Central air & heating system are ducted into this room and buyer to verify square footage ... This area is prime for investors who have been building new homes !

View Property

29714 N 23rd Lane Phoenix, AZ 85085

Open House

$780,000

4 Beds

3.5 Baths

2,854 SqFt

Status Active

MLS # 6749185

Property Type Single Family Residence

Price Type --

Experience the epitome of modern living in this bright and open two-story masterpiece, showcasing stunning designer features throughout. The spacious 3-car tandem garage complements the functional layout, which includes a private study and an inviting loft. The gourmet kitchen is a chef's dream, featuring Silestone countertops, recessed panel maple cabinets painted in Linen, and top-of-the-line stainless steel KitchenAid appliances. The 42'' ultra-modern gas fireplace in the Great Room adds a touch of elegance, while the expansive multi-slider glass door seamlessly connects the indoors to the extended covered patio, perfect for entertaining. On the main level, you'll find a stylish executive office, perfect for working from home, along with a conveniently located powder room for guests. Upgraded flooring, including 12''x24'' wood-look tile and plush carpeting, elevates the home's luxurious feel, while 8' doors and two-tone paint create an airy, sophisticated ambiance. The master suite offers a serene retreat with a frosted glass barn door leading to a spa-like bath, complete with executive height vanities and Silestone countertops. This Energy Star-certified home is designed for comfort, energy efficiency, and environmental sustainability, boasting OWNED SOLAR and additional electrical upgrades for modern convenience. Outside, the Sierra Blend pavers and Belgard Hardscapes add curb appeal, while the recessed lighting on the extended patio sets the perfect mood for outdoor gatherings. Don't miss the chance to own this impeccably designed, move-in-ready home that blends style, functionality, and sustainability in every detail!

View Property

22701 E Lords Way Queen Creek, AZ 85142

$779,990

6 Beds

5.5 Baths

4,142 SqFt

Status Active

MLS # 6744478

Property Type Single Family Residence

Price Type --

Welcome to Ashton Wood's highly sought-after Diamond floor plan, showcased in the chic Farmhouse exterior. This spacious 4,127 sq-ft home features 6 generously sized bedrooms, 5 1/2 bathrooms, and a 3-car tandem garage. On the main floor, you'll find a sunlit office, a convenient powder room, and a guest bedroom with a full bath, perfect for multi-generational living or guests. The gourmet kitchen showcases built-in stainless steel appliances, 42'' white shaker cabinets, elegant Crisp Stria Quartz countertops, and a stylish tiled backsplash. Warmth and charm are added by tile wood-plank flooring in the main living areas and bathrooms, complemented by upgraded carpet in the bedrooms and loft. This home seamlessly blends contemporary and cozy design elements, including the Moen Gibson Premium Bathroom package, designer floor tile in the primary bathroom, Meridian vanity lights, and a white wood stair railing. Additional features include a double gate, garage service door, soft-water pre-plumb, 8' interior doors, and extra ceiling lights in the great room. Conveniently located near shopping, dining, and the new Frontier Park, Madera offers residents access to a pool, spa, pickleball courts, and picnic areas.

View Property

22466 E San Tan Boulevard Queen Creek, AZ 85142

New

$779,990

4 Beds

3 Baths

3,241 SqFt

Status Active

MLS # 6784663

Property Type Single Family Residence

Price Type --

Up to 3% of base price or total purchase price, whichever is less, is available through preferred lender. The Enchantment Series is situated in a private gated enclave within the sought-after Harvest community, offering a prime location near swimming pools, a catch-and-release lake, and a scenic green park. Enjoy peaceful living just moments from shopping and entertainment. Designed for both relaxation and hosting, this home features a stunning waterfall island, a chef's kitchen, and an open floor plan ideal for entertaining. A private courtyard entry adds a warm and inviting touch, welcoming you home.

View Property

3785 W Silverdale Road Queen Creek, AZ 85144

$779,900

4 Beds

3 Baths

2,837 SqFt

Status Active

MLS # 6581821

Property Type Single Family Residence

Price Type --

About to break ground soon, single level 4 bedroom (or can be 3 + den), 3 bath, 4-car garage, stainless, granite throughout, covered patio, front courtyard, tile roof.... Buyer to select flooring, paint, granite, cabinets, etc. Estimated completion 9-10 months from ground-breaking. Drive by only at this time. Photos are of a completed version of this home.

View Property

4422 N 75th Street Unit 6013 Scottsdale, AZ 85251

$779,900

1 Bed

1.5 Baths

1,114 SqFt

Status Active

MLS # 6751249

Property Type Apartment

Price Type --

ABSOLUTELY GORGEOUS 6th floor 1 bedroom plus Den with built in custom murphy bed to use as second bedroom 1.5 bath unit with A+ NE MOUNTAIN VIEWS. BEST AND LARGEST MASTER BEDROOM IN BUILDING, ALL GLASS WITH SEPARATE EXIT TO BALCONY, motorized shades throughout, top end washer dryer included. Relax in style in Old Towns most modern highrise. Unit has beautiful wood floors throughout, Poggenpohl European style cabinets with Island, quartz countertops, Bosch appliances and much more. The amenities at Envy are 2nd to none boasting a 4000 sq ft fitness facility with all top of the line equipment, a pool/pool lounge area that rivals any Vegas Resort and the exclusive Black Label Lounge to top it off along with 24/7 concierge/security with underground secured parking. Live the high life

View Property

14708 W Carbine Court Sun City West, AZ 85375

$779,900

3 Beds

2.5 Baths

2,642 SqFt

Status Active

MLS # 6770515

Property Type Single Family Residence

Price Type --

Luxury Semi-Custom Home located in the Fitzpatrick Ranch area of Sun City West. Enjoy your new Arizona lifestyle in a spacious 3 bd w/den, 2.5 bth home with custom features throughout. Gourmet kitchen w/island, granite counters, electric cooktop, stainless appliances, breakfast bar & lg. dining area. Great room w/gas fireplace. Primary suite w/access to back patio. en suite bath w/jetted tub, walk-in shower & closet, double sinks. Guest bedrooms w/jack & jill bath, access to backyard. Lots of storage! Private backyard sanctuary w/covered patios and lush landscaping. Extended 2 car garage w/craft room & second 1 car garage. AC Replaced in 2022 & 2023 (2 units), HW Heater 2020, Exterior Paint 2019, Owned Solar. Furnishings Available Outside of Escrow. Plus Sun City West Amenities

View Property

9472 W Jj Ranch Road Peoria, AZ 85383

$779,900

4 Beds

4 Baths

2,844 SqFt

Status Active

MLS # 6771336

Property Type Single Family Residence

Price Type --

Gorgeous 4 bedroom, 4 bath home on oversize lot. Chef's kitchen with large island, cooktop gas stove, wall oven, extensive granite countertops and walk-in pantry. Split floorplan with primary bedroom in back of home and secondary bedrooms off front hallway. Attached casita with separate entrance. Primary bathroom features dual sinks, tiled walk-in shower with full glass and gigantic walk-in closet. Highly upgraded with wood-like tile in all the main areas and carpet in bedrooms, 5 inch baseboards, lighting and fixtures, and plantation shutters throughout. 3 car tandem garage. Large backyard with covered patio ready for your touch. Envision a large gazebo with seating area, pool and tree-lined fencing. RV gate for toys. North/south facing.

View Property

6738 E Las Animas Trail Gold Canyon, AZ 85118

$779,900

4 Beds

3 Baths

2,512 SqFt

Status Active

MLS # 6776070

Property Type Single Family Residence

Price Type --

Completely REMODELED STUNNING HOME IN SUPERSTITION FOOTHILLS W/ AMAZING MOUNTAIN VIEWS! NEW freshly PAINTED EXTERIOR&INTERIOR, ALL NEW FLOORING THROUGHTOUT W/ 4'' BASEBOARDS, Both Living Room and Family Room Look Like a MODEL HOME W/Ensuite Downstairs. BEAUTIFUL Primary Suite INCLUDES Sitting Room & Incredible Mountain Views! Gourmet Kitchen Light and Bright, NEW ROOF, NEW SOLAR SYSTEM (Paid for). BACKYARD is a RESORT W/ NEW HEATED 14'x30' POOL, NEW Putting GREEN, & NEW HOT TUB (above ground w/conveys), NEW LANDSCAPING and DRIP System! TWO Covered Patios to Enjoy the New Pool and VIEWS. 3 CAR Garage w/ New Garage Door/Opener with New Garage CABINETS, and MUCH MUCH MORE! SEE LIST OF UPGRADES! You Must See This Home it is Absolutely MOVE-IN READY. Nothing To Do... Just Relax and Enjoy!

View Property

1688 E Lexington Avenue Gilbert, AZ 85234

$779,900

4 Beds

3.5 Baths

3,541 SqFt

Status Active

MLS # 6756015

Property Type Single Family Residence

Price Type --

Nestled in the desired 85234 zip code, this home offers unbeatable access to nearby entertainment and dining, with the convenience of your own private retreat. Whether you're enjoying a night out or staying in to host, you'll love the custom theater room and chic beverage bar, perfect for entertaining. The spacious main-level master suite provides a private area, while upstairs accommodations offer guests their own space. Every detail has been thoughtfully upgraded, from wood-look tile floors and fresh paint to the stylishly remodeled kitchen and bathrooms. Outside, the meticulously maintained backyard features an extended patio, ideal for outdoor relaxation. With soaring vaulted ceilings and a versatile loft, this open and airy home is designed for comfortable living with room to grow.

View Property

1141 N Wide Open Trail Prescott Valley, AZ 86314

$779,900

3 Beds

3.5 Baths

2,863 SqFt

Status Active

MLS # 6764799

Property Type Single Family Residence

Price Type --

Tremendous views, quaint courtyard & private location in Stoneridge golf course community. Spacious living room showcases long-distance views for guests and family. Double doors lead to office/den w/ courtyard views. Kitchen features granite countertops, custom cabinetry, gas cooktop, island, breakfast bar, pantry and dining with great views. Guest suite with private entrance from courtyard leads to spacious family/game/media room. Split floor plan, 10 foot ceilings throughout, oversized laundry room with abundance of cabinets, counter space and sink. Primary suite w views, dual vanities, vast shower and spacious closet. The home needs new flooring, interior paint & appliances. Priced to sell. Enjoy quiet times under the covered back patio/trellis and fantastic views. Remarks cont'd... Mature low-maintenance landscaping. Community features include a community center w/ fitness room, pool/spa, billiards room, pickleball, tennis & bocci courts! Welcome home!!

View Property

22112 N 79th Avenue Peoria, AZ 85383

$779,900

4 Beds

2.5 Baths

2,946 SqFt

Status Active

MLS # 6765950

Property Type Single Family Residence

Price Type --

This is one special!!! From the moment you walk up to the beautiful custom iron and glass front door you can't help but be impressed! This highly sought after single story in Fletcher Heights is where you will want to come home to. Tall ceilings and an open concept just feels spacious and open. Separate office off the front door continues that spacious, open feeling. As you enter into the kitchen and family room you will be impressed with the highly upgraded granite, stainless steel appliances and large kitchen island. The fireplace in the family room makes a cozy space to hang out and the charm of the French doors that overlook a large covered patio and oversized, fully landscaped backyard make you want to stay awhile. Down the hall you will find a powder room, a full bathroom and three additional bedrooms. On the opposite side of the house the primary suite is very spacious! It boasts bay windows, a private entrance to the backyard, en suite bathroom with separate tub and shower, and walk in closet. The separate laundry room leads into the 4 car extended garage! Great for parking, storage and the fold down double garage screen door makes this even more useful in those beautiful Arizona winters!! Come and check it out!!!

View Property