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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18925 E Oriole Way Queen Creek, AZ 85142

Open House

$759,000

6 Beds

4.5 Baths

4,083 SqFt

Status Active

MLS # 6768161

Property Type Single Family Residence

Price Type --

NOW OFFERING $15,000 towards BUYERS CLOSING COSTS or RATE BUY DOWN!! Freshly painted exterior (11/2023) and enjoy the beautifully landscaped front and back yards with artificial turf and pavers. The home boasts thoughtful upgrades, including a newer 50-gallon gas water heater (03/2023), new carpet on the second floor (10/2024), and plantation shutters, ceiling fans, and lights in every room. The spacious kitchen features extended cabinetry, while the tech station has added cabinets and counters. The dining room has been converted into a cozy den with French doors, and a bonus room provides extra living space. Upstairs, a Jack and Jill bathroom connects two bedrooms, and the master bath features a relaxing Jacuzzi tub. The laundry room has cabinets and sink

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3483 W Sunstone Drive San Tan Valley, AZ 85144

Open House

$758,995

4 Beds

3.5 Baths

2,880 SqFt

Status Active

MLS # 6768923

Property Type Single Family Residence

Price Type --

The Lockhart's covered porch and foyer open onto the expansive great room, casual dining area, and desirable large covered patio beyond. The well-equipped kitchen is complete with a large center island, plenty of counter and cabinet space, and walk-in pantry. The primary bedroom suite is enhanced by an enormous walk-in closet and deluxe primary bath with dual-sink vanity, large soaking tub, luxe shower with seat, and private water closet. Central to a generous flex room, the ample secondary bedrooms feature sizable closets, one with private bath, two with shared bath with separate dual-sink vanity area. Additional highlights include a convenient powder room and drop zone, central located laundry and additional storage.

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4512 E Turney Avenue Phoenix, AZ 85018

$758,000

3 Beds

1 Bath

952 SqFt

Status Active

MLS # 6748390

Property Type Single Family Residence

Price Type --

LOCATION LOCATION LOCATION - Arcadia Lot with Camelback Mt view! Ready to build your own dream home. Drive down this street and see the opportunity and what has been developed in this charming area in Arcadia. This 3 bedroom home is also available to live in as it stands. Venture into the inviting living room, featuring a neutral palette. The eat-in kitchen comes with wood cabinetry, a mosaic tile backsplash. Three cozy, well-sized bedrooms. Outside, the backyard includes a covered patio, a well-kept lawn, and the convenience of a rear entry RV gate that leads to the alley. Don't miss out on this fantastic opportunity!

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1745 E Amaranth Trail Queen Creek, AZ 85140

Open House

$758,000

2 Beds

2.5 Baths

2,368 SqFt

Status Active

MLS # 6778744

Property Type Single Family Residence

Price Type --

Discover this beautifully upgraded 2,300 sq. ft. home, featuring a spacious expanded guest suite complete with its own en-suite bath, perfect for guests or a private retreat. The backyard is an entertainer's dream with a heated pool, cozy firepit, outdoor fireplace, and retractable screen for added comfort and privacy. Inside, you'll find an elegant mix of wood flooring, tile, and upgraded carpet, complemented by custom shutters that add style and functionality. With a brand new HVAC system and an 8KW solar panel system, this home combines comfort and energy efficiency, offering luxurious Arizona living at its best. This well maintained home can be yours today. If you are an avid golfer, you can skip the waiting list and join the Encanterra golf course today!

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5045 W Top Hand Trail Laveen, AZ 85339

$757,995

3 Beds

2.5 Baths

2,740 SqFt

Status Active

MLS # 6728574

Property Type Single Family Residence

Price Type --

Entertaining is easy in the Harley plan, which boasts a well-appointed kitchen with a walk-in pantry and center island. You'll also appreciate a dining area and an adjacent great room overlooking a covered patio. This home will be built with a study, . A spacious primary suite with an attached bath and walk-in closet is separated from two secondary bedrooms for privacy. Additional features include a gourmet kitchen and a deluxe primary bathroom

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3031 E Vermont Drive Gilbert, AZ 85295

$757,500

3 Beds

2 Baths

2,289 SqFt

Status Active

MLS # 6718530

Property Type Single Family Residence

Price Type --

Price Reduction! Beautifully upgraded 3 bedrooms/2 bath home with a den. This stunning single-story home is situated in the much coveted Chaparral Estates. The open split floor plan features numerous upgrades, creating an immaculate and turnkey home. The large family room seamlessly connects to the kitchen, which boasts of beautiful granite countertops, a huge island with a breakfast bar, and a separate dining area. Plenty of cabinets and counter space, and stainless steel appliances with a spacious pantry. Storage abounds, including a 3-car garage with finished floor. Spacious primary suite includes a huge walk-in closet & a gorgeous open primary bath. The oasis backyard features a sparkling pool with water feature and an auto-timed multi colored light that can be set to come at dusk new pool pump 2023. Recently painted inside and out. Maticulasly maintained.

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8042 E Quartet Avenue Mesa, AZ 85212

$756,704

5 Beds

3.5 Baths

3,399 SqFt

Status Active

MLS # 6764387

Property Type Single Family Residence

Price Type --

MLS#6764387 November Completion! The Lewiston is a spacious two-story floor plan at Hawes Landing, offering 3,399 sq. ft. of well-designed living space with 5 bedrooms, 3.5 bathrooms, a 3-car tandem garage, formal dining room, study, and an upstairs loft. As the second-largest plan in our Landmark Collection at Hawes Crossing, it delivers both style and functionality. The foyer leads to a private study and formal dining area, which flow into the open-concept kitchen, great room, and additional dining space—perfect for hosting gatherings. Upstairs, you'll find all the secondary bedrooms, a loft, and the luxurious primary suite featuring dual vanity sinks and a spacious walk-in closet. The conveniently located second-floor laundry provides thoughtful design. Structural options include: paver front porch, garage service door, elevation C, double interior doors at study, and super shower at owners bath.

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8757 W Missouri Avenue Glendale, AZ 85305

$755,990

4 Beds

4.5 Baths

3,704 SqFt

Status Active

MLS # 6729320

Property Type Single Family Residence

Price Type --

MLS#6729320 The 2-story Hampton is sure to impress with 5 bedrooms, 4.5 baths and a 3-car garage. When you walk through the front door of this stately home, you are greeted by a long foyer with a dedicated formal dining room to host events. The Hampton provides cutting-edge open-concept designs for the ultimate in modern living with the gourmet kitchen, casual dining, and gathering room flowing seamlessly together. Upstairs, you will find the spacious owner's suite with a retreat, luxurious bath and a large walk-in closet. Three additional bedrooms, a shared bath and a loft round out the second floor. Structural options include: upgraded gourmet kitchen appliances. Design upgrades include: upgraded maple cabinets with full overlay, 42 uppers, quartz countertops, upgraded tile.

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19701 S 231st Way Queen Creek, AZ 85142

$755,772

5 Beds

4 Baths

2,993 SqFt

Status Active

MLS # 6668542

Property Type Single Family Residence

Price Type --

BEAUTIFUL GREAT ROOM, LOFT PLAN-PRIMARY DOWN. READY FOR MOVE IN!! 5 BEDROOM, 4 BATH, GOURMET KITCHEN LAYOUT, WHITE SHAKER CABINETS, GRANITE KITCHEN TOPS, TILE FLOORING, SPA SHOWER IN THE PRIMARY BATH, FRONT YARD LANDSCAPED WITH ARTIFICIAL TURF, PAVER WALKWAY & DRIVEWAY. ALL THIS, IN THE NEW PREMIER MASTER PLAN COMMUNITY, IN QUEEN CREEK, FEATURING A 22 ACRE LAKE. THIS IS THE CENTERPIECE OF THE COMMUNITY. KAYAKING AND CANOEING, AQUATIC CENTER WITH LAP AND SPORT POOL SPLASH PAD, BOCCE BALL, PICKLE BALL, BOARDWALKS AND RAMADAS THROUGHOUT AND MUCH MORE.. THE HOME INCULDES 2'' FAUX WOOD BLINDS, CEILING FANS, TANKLESS WATER HEATER+++ KATHERINE MECHAM BARNEY SCHOOL IN THE COMMUNITY.

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377 E Windsor Avenue Unit 20 Phoenix, AZ 85004

Open House

$755,575

3 Beds

2.5 Baths

1,967 SqFt

Status Active

MLS # 6775045

Property Type Townhouse

Price Type --

Park7 on Windsor QUICK MOVE-IN HOME. LUXURY URBAN LIVING with no compromises including your own private sky lounge. Ideally located in Midtown Phoenix, close to all the action. Bespoke floorplans designed specifically for Park7 developed to create an exciting lifestyle on all levels with maximized privacy. Exceptional quality construction + design with solid CMU commons walls and 10ft ceilings throughout. Designer curated interior finish Packages with standard 24'' x 48'' large format tile floors, Bosch appliances, standard waterfall kitchen islands and floating vanities, tankless hot water, EV prepared garages and more! Relax under the night sky in your own private Sky Lounge - hot tub ready with fire pit and outdoor kitchen options.

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377 E Windsor Avenue Unit 21 Phoenix, AZ 85004

Open House

$755,575

3 Beds

2.5 Baths

1,967 SqFt

Status Active

MLS # 6775046

Property Type Townhouse

Price Type --

Park7 on Windsor QUICK MOVE-IN HOME. LUXURY URBAN LIVING with no compromises including your own private sky lounge. Ideally located in Midtown Phoenix, close to all the action. Bespoke floorplans designed specifically for Park7 developed to create an exciting lifestyle on all levels with maximized privacy. Exceptional quality construction + design with solid CMU commons walls and 10ft ceilings throughout. Designer curated interior finish Packages with standard 24'' x 48'' large format tile floors, Bosch appliances, standard waterfall kitchen islands and floating vanities, tankless hot water, EV prepared garages and more! Relax under the night sky in your own private Sky Lounge - hot tub ready with fire pit and outdoor kitchen options.

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1930 E Monterey Way Phoenix, AZ 85016

$755,000

3 Beds

2.5 Baths

2,171 SqFt

Status Active

MLS # 6781146

Property Type Single Family Residence

Price Type --

Don't miss this Gorgeous Central Phoenix CONTEMPORARY 2019 BUILD on cul de sac street. 2171 SF, 3 Bedrooms Upstairs, 2 Bathrooms Upstairs, Half Bathroom Downstairs. Brand New Tile Flooring throughout with an open spacious floor plan. Great Room with 10' ceilings. Dining area features wet bar center with 2 beverage refrigerators and extra storage space. Open kitchen with lots of sleek cabinetry, stainless appliances including gas range and beautiful waterfall quartz counter. Laundry on the main floor with space saving tankless water heater. Double wide gate gives access to additional covered parking area with extra high ceiling. Wonderful Phoenix location, conveniently located to easy freeway access.

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