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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2946 W Amber Sun Drive Phoenix, AZ 85085

$750,000

4 Beds

3 Baths

2,547 SqFt

Status Active

MLS # 6758663

Property Type Single Family Residence

Price Type --

Beautifully updated home located on corner lot in the very desirable Stoneledge gated community! Walk into this spacious single level home, with split floor plan. Beautiful updates since the owners purchased in 2017. Cobblestone walkway in the front yard, beautiful gazebo with mature plants & a drip system out back in addition to travertine patio area. Lots of flowers & plants throughout backyard and more room to plant MORE! Kitchen cabinets painted and backsplash done in 2023 and covered patio has been converted to beautiful sun room with lots of bright light to shine through the full living area. Close to lots of lots of businesses, restaurants, trails and shopping! AND walking distance from Ridgeline Academy Elementary School & Valley Christian Academy! This is the area to be in!

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3418 E Montecito Avenue Phoenix, AZ 85018

$750,000

3 Beds

2 Baths

1,658 SqFt

Status Active

MLS # 6757102

Property Type Single Family Residence

Price Type --

Welcome to 3418 E Montecito Ave, a charming home located in the highly desirable Arcadia Lite neighborhood of Phoenix. This inviting property features 3 bedrooms, 2 bathrooms, and over 1,600 sq. ft. of comfortable living space. Upon entering, you'll find a bright and spacious living area that seamlessly connects to a cozy dining space, ideal for both entertaining and everyday living. The primary suite offers a peaceful retreat with a generous walk-in closet and an en-suite bathroom featuring dual vanities and a walk-in shower. Two additional bedrooms provide flexibility for guests, family, or a home office. Step outside to the backyard oasis, complete with a covered patio, mature landscaping, and a sparkling pool—perfect for relaxing and enjoying the Arizona sunshine.

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42619 N 19th Street New River, AZ 85087

$750,000

4 Beds

2 Baths

2,483 SqFt

Status Active

MLS # 6776176

Property Type Single Family Residence

Price Type --

Check out this CUSTOM 4 bedroom, 2 bath home that sits proudly on a 1 1/4 acre lot! Front paver steps & covered patio will greet your friends & family! Plantation Shutters throughout this split floorplan w/ exposed wood beams & vaulted ceilings! Travertine tile & laminate wood flooring throughout! Stainless steel appliances & Granite counters in the Kitchen with lots of cabinets!!! Whole house water filtration system with R/O and a remineralizer added in the Kitchen! Large covered back patio & pavers creates a wonderful entertaining space! Synthetic grass makes for low maintenance! Septic riser, gutters & rainwater harvesting system (stores 2250 gals), irrigation system, Tuff Shed (16'x20'). Well pump replaced in 2020, constant pressure system & 3,000 gal storage tank fed by well (2022).

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40040 N Lytham Way Anthem, AZ 85086

$750,000

4 Beds

3.5 Baths

3,304 SqFt

Status Active

MLS # 6760680

Property Type Single Family Residence

Price Type --

Sonoma floor-plan with four bedrooms, office/bonus room. Spacious kitchen, kitchen dining, kitchen island. An abundance of cabinets and counter space. Large open living room and dining room. Master bedroom with dual vanities plus plenty of closet space. Guest bedroom with full bath and another two bedrooms with Jack n' Jill. Tile in all the right places. Inviting backyard with large covered patio & electronic roll shades. Back patio is great for relaxing mornings & evenings. 3 car garage for plenty of storage or golf cart.

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38065 N Cave Creek Road Unit 4 Cave Creek, AZ 85331

$750,000

3 Beds

3 Baths

2,272 SqFt

Status Active

MLS # 6766548

Property Type Townhouse

Price Type --

Amazing Southwestern-style townhome located in the beautiful, gated community of Rancho Villas in Cave Creek. Spacious 2272 sq ft with 3 bedrooms all with their own ensuite. Master bedrooms on the first and second floor. The master on the first floor features a fireplace for those cooler winter nights, large walk-in closet and access to the gorgeous patio. The upstairs master also has a walk-in closet with access to the view deck providing incredible mountain views. The great room with its own fireplace connects to the dining area that leads into the remodeled kitchen with additional eat-in dining. The home has been heavily upgraded with close to $150,000 in upgrades. Some of the upgrades include the kitchen, bathrooms, flooring, windows, appliances, shutters, HVAC, BBQ and built in BBQ structure and more. The spacious patio also has a beehive fireplace, plenty of space, soothing fountain and is conveniently located next to the 2-car garage. Rancho Manana is located across from the community with golf and the delicious Tonto Grill. Other entertainment, restaurants, hiking, and shopping are only minutes away.

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3363 E San Xavier Road Sierra Vista, AZ 85635

$750,000

3 Beds

4 Baths

2,398 SqFt

Status Active

MLS # 6761975

Property Type Single Family Residence

Price Type --

Discover this stunning home in Ranchos Carmela, set on nearly 2 acres. The expansive great room features a pellet/wood stove hook up, while the spacious kitchen boasts ample storage. This split bedroom layout offers 3 bedrooms and 2 baths on one side, with 2 en-suites bedrooms and a luxurious master suite with a separate tub and large shower on the other. Enjoy the convenience of a spacious laundry room, an oversized 3-car garage with an EV plug, and a built-in BBQ on the patio. A 1024 SF workshop awaits with an office, full bath, pellet stove, and air compressor—perfect to convert to a guest house or keep it as hobby space. Additional features include 2 full RV hookups, extensive paved parking, beautiful epoxy flooring in the garage and shop and a lot surrounded by mature trees.

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7161 E Rancho Vista Drive Unit 2002 Scottsdale, AZ 85251

$750,000

2 Beds

2 Baths

1,295 SqFt

Status Active

MLS # 6762479

Property Type Apartment

Price Type --

Lovely unit is interior facing overlooking a serene pool while enjoying the lush terrace. Custom kitchen features granite countertops, Dacor gas range as well as double oven, wine refrigerator, breakfast bar and open to dining & living space. Office nook with ample storage. Unit is surrounded by windows extending to the terrace to create a very inviting home. Optima features many amenities including 24,000 sq ft fitness center, lap pool, two spas, steam room, basketball, racquetball & exercise room. The landscaping throughout the development is lush and green and features waterfalls, reflective pools and putting green. There are 2 outdoor pools/spas, retail shopping, dog park and plenty of walking paths. Quick walk to Scottsdale Fashion Square, dining, movies and entertainment

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643 W Muirwood Drive Phoenix, AZ 85045

$750,000

4 Beds

2 Baths

2,422 SqFt

Status Active

MLS # 6768224

Property Type Single Family Residence

Price Type --

This stunning 4-bedroom, 2-bathroom plus Den single-level home in the highly sought-after Club West community offers elegant living with modern upgrades. The home features a spacious formal living and dining area with custom built-ins, perfect for entertaining. The gourmet kitchen is a chef's dream with stainless steel appliances, including a gas stovetop, granite countertops, a granite island with a raised bar, and charming French doors. The master bedroom includes a cozy sitting area and French doors leading to the oversized backyard. The large master bathroom boasts double sinks, a bathtub, a walk-in shower, and a walk-in closet. The secondary bedrooms have beautiful wood floors, while the second bathroom features granite countertops and updated light fixtures. (see more) An additional room can be used as a den or home office. The backyard is an oasis with a sparkling play pool, a covered patio with lights and ceiling fans, and a large grass area, perfect for outdoor gatherings. The 3-car garage provides ample storage space with epoxy floors for a clean finish. Located in a great neighborhood with excellent Kyrene schools nearby, this home offers both luxury and convenience.

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7601 E Indian Bend Road Unit 2054 Scottsdale, AZ 85250

$750,000

2 Beds

2 Baths

1,625 SqFt

Status Active

MLS # 6764793

Property Type Apartment

Price Type --

Come see this delightful 2 bedroom home at Corriente Condominiums! This 2nd level condo offers a bright & large open floor plan with soft tan paint, carpet, recessed lighting, and wall crown moulding. The living area features a 2-way fireplace shared with the sizable den. The functional kitchen boasts abundant storage inside the tall espresso cabinets, granite counters & backsplash, and stainless steel appliances. The primary bedroom hosts a spacious bathroom with two sinks, a step-in shower, and a walk-in closet. Laundry room inside with attached cabinetry. This end-unit allows fantastic views of the lake & mountains. This fabulous community includes heated pool & spa, media room, clubhouse, golf course, and workout facility. Gracious living at its finest! Don't miss this opportunity!

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7308 W Tombstone Trail Peoria, AZ 85383

$750,000

3 Beds

2.5 Baths

2,508 SqFt

Status Active

MLS # 6766642

Property Type Single Family Residence

Price Type --

It's ready for move-in—no need to wait for a new build! This beautifully, lightly lived in home has 3-bedroom, 2.5-bathroom and offers a perfect blend of space and comfort. Featuring a den with glass french doors. A large great room, the spacious 2,508 sqft living space includes sleek tile flooring, brand-new carpet, and large windows that fill the home with natural light. 2 large sliding doors give you easy access to the cozy patio. The primary bedroom has a walk-in closet for convenience and privacy. The kitchen boasts granite countertops, a spacious island, water softener and a dining area perfect for gatherings. 3-car tandem garage with an epoxy floor. This home is just waiting for you!

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20750 N 87th Street Unit 2119 Scottsdale, AZ 85255

$750,000

3 Beds

2 Baths

1,825 SqFt

Status Active

MLS # 6764782

Property Type Apartment

Price Type --

Welcome to luxury living in the prestigious Encore community in Grayhawk! This 3-bedroom, 2-bathroom condo offers an exceptional blend of comfort and sophistication. The open layout features a large breakfast bar and a dedicated dining room for those special gatherings. And the split floorplan, provides bedrooms which are perfectly situated for privacy. Step onto the spacious patio and enjoy the peace and quiet of the open space while looking at the beautiful desert landscape—a perfect setting for morning coffee or evening relaxation. The location is a dream for both golf enthusiasts and foodies, as it's within walking distance to the Grayhawk Golf Club and the shops and restaurants at DC Ranch Market Street. Indulge in the excitement of nearby events such as Barrett Jackson and the Waste Management Open, or explore upscale shopping at the Scottsdale Quarter and Kierland. The Scottsdale Airpark is just a short drive away, providing convenience for frequent flyers. Nature lovers will appreciate easy access to the McDowell Mountain Gateway hiking trails. Custom window treatments, an epoxy garage floor, a custom media cabinet, new light fixtures in 2024 and a new water heater in 2021 add to the allure of this exceptional home. Easy to move right in and start enjoying the upscale lifestyle Encore has to offer. This charming gated community offers a resort-style pool and spa, creating a serene atmosphere. The property is perfect for those seeking a lock-and-leave lifestyle. With proximity to the 101 freeway, you have quick and easy access to explore all that Scottsdale has to offer. From fine dining to world class shopping, top notch golf courses and exceptional weather, Scottsdale is a perfect for full time residents or part time vacationers. Don't miss the opportunity to make this elegant condo your own. Come tour this home and experience the epitome of desert living in the heart of Grayhawk's Encore community. What a great place to call home!

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23382 N 73rd Way Scottsdale, AZ 85255

$750,000

3 Beds

2.5 Baths

1,957 SqFt

Status Active

MLS # 6766607

Property Type Townhouse

Price Type --

Welcome to luxury living in the heart of North Scottsdale's prestigious gated community. This exquisite 3-bedroom, 2.5-bathroom home offers an unparalleled blend of sophistication and comfort. From the moment you step inside, you'll be greeted by top-tier finishes and a meticulously designed interior that exudes elegance.This turnkey residence boasts a rooftop balcony with stunning 360-degree views of Pinnacle Peak Mountain and the McDowell Mountains, perfect for enjoying breathtaking sunsets and starlit evenings. Escape to your private patio, tucked away on an interior lot ensuring peace and quiet with no road noise.Ideal for entertaining, the home features multiple living areas including an additional living room upstairs.

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