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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2101 N 25th Place Phoenix, AZ 85008

New

$749,000

3 Beds

2 Baths

1,657 SqFt

Status Active

MLS # 6783056

Property Type Single Family Residence

Price Type --

Do you dream of having a home so inviting, so luxurious, so tranquil, that you never want to leave? Welcome to this gem in the heart of Phoenix, updated with a modern flair including wooden beams and a unique draped vaulted ceiling that makes seeing believing. Extravagant upgrades, custom tiles, and open concepts make this light bright home a designer's masterpiece. No detail was overlooked from one of kind doors & fixtures, to adding gas lines, turf, rocks, & pavers. Paradise awaits in the resort style backyard. Enjoy days into nights with your heated salt water pool with high speed jets, gazebo and custom built in fire pit, patio entertainment area with TV and floating bed. Or enjoy a drink in your side yard with egg floating chairs. Also perfect as an investment property! COME SEE

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4430 N 22nd Street Unit 19 Phoenix, AZ 85016

$749,000

3 Beds

2.5 Baths

2,433 SqFt

Status Active Under Contract

MLS # 6755037

Property Type Townhouse

Price Type --

Step into your perfect home in one of the city's most coveted neighborhoods. This sophisticated 3-bedroom plus den, 2.5-bathroom residence offers an expansive, open-concept layout that exudes both style and functionality. Enjoy the luxury of 11-foot ceilings and an abundance of natural light that creates a bright and airy atmosphere throughout. Each oversized bedroom features spacious walk-in closets, while the master suite is a true retreat with its elegant fireplace and spa-like bathroom, complete with a large walk-in shower and tub. Located just moments from the high-end shops and dining at Biltmore Fashion Park, this home combines modern luxury with unbeatable convenience. Embrace a lifestyle of elegance and ease in this stunning, upscale community.

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5402 E Michelle Drive Scottsdale, AZ 85254

$749,000

3 Beds

2 Baths

2,001 SqFt

Status Active Under Contract

MLS # 6779393

Property Type Single Family Residence

Price Type --

Fantastic home in a desirable Scottsdale location! Offering 3 beds, 2 baths, manicured landscape, & a 2-car garage w/cabinets. New AC in 2022. The inviting interior features tons of natural light, tile & soft carpet thru/out, & vaulted ceilings. Popular living & dining room combo and separate family room w/fireplace! The open-concept kitchen boasts SS appliances, granite counters, ample wood cabinetry, a bay window, & a center island. Enter the main bedroom to find sliding doors to the back and an ensuite with dual sinks, separate tub/shower, & a walk-in closet. 3rd bedroom has built-in desks & cabinets making it a great office. It's time to unwind while enjoying a BBQ under the covered patio, overlooking the lush lawn! NO HOA, NO neighbors behind! Move-in ready!!

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230 N Wild Oak Drive Payson, AZ 85541

$749,000

2 Beds

3 Baths

2,675 SqFt

Status Active

MLS # 6778894

Property Type Single Family Residence

Price Type --

RARE FIND! Gorgeous custom 2 bedroom, 3 bath home which also includes a loft & basement. The 100% finished basement has the versatility to function as a Rec-Room, Family Room, Office or Man Cave & includes a full bath. Stunning views from the floor-to-ceiling windows & wrap around decks highlight this one acre woodland paradise. Oversized attached garage, wood floors & granite countertops are just a few of the many upgrades. Newer efficient central A/C unit. Large rooms & an open floorplan create a nice flow. Furniture in house is negotiable. This charming residence is located in desirable Collins Ranch. Wonderful year round or seasonal home in the cool pines is perfect for creating new memories. Welcome to your new home!

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2321 N 30th Street Phoenix, AZ 85008

New

$749,000

5 Beds

2.5 Baths

3,420 SqFt

Status Active

MLS # 6783045

Property Type Single Family Residence

Price Type --

Priced to Sell! Investors Welcome! Discover a rare investment opportunity in the highly desirable Camelback East neighborhood near Arcadia, situated between McClintock and Thomas Roads. This beautifully renovated 5-bedroom, 2.5-bathroom home is priced to move. Originally built in 1952 and fully upgraded in early 2024, this property blends classic mid-century charm with modern comforts. The home features bright, spacious living areas, brand-new appliances, and large bedrooms with stylishly updated bathrooms, making it as functional as it is beautiful. Natural light floods the home through an abundance of windows, offering incredible views of the surrounding landscapes. Enjoy a prime location minutes from Downtown Phoenix, Sky Harbor Airport, and Old Town Scottsdale, with convenient access to ASU Tempe, major hospitals, and the city's best amenities. Public transportation and major freeway access make commuting a breeze, adding to the property's appeal. Perfect for investors or buyers looking for a move-in ready home in an up-and-coming neighborhood, this property provides exceptional value in one of Phoenix's most sought-after areas. Don't miss this below market gem, call today!

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306 N Virginia Street Prescott, AZ 86301

$749,000

5 Beds

3 Baths

2,247 SqFt

Status Active

MLS # 6567356

Property Type Single Family Residence

Price Type --

Property features 2 homes!!! Charming updated single level home in the Iconic historic area of Prescott and Walking distance to Whiskey Row. Main residence has 3 bedrooms 2 full bathrooms, spacious kitchen plus a sitting room/ den. A lovely front porch and gated and fenced front yard with 3 parking spaces The guest home features two bedrooms, a kitchen and a full bathroom. Current garage was converted to a large home office but would work great as an additional living space, man cave or easily could convert to a studio apartment. The possibilities are endless and this could be a two unit income producing short term rental.

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7227 E Texas Ebony Drive Gold Canyon, AZ 85118

$749,000

3 Beds

2 Baths

2,278 SqFt

Status Active

MLS # 6628879

Property Type Single Family Residence

Price Type --

If You're Looking For A Customized & Redone Bradshaw Model, Look No Further! GORGEOUS & Totally Updated & Upgraded Like New Customized Bradshaw Model Features Newer Roof, Heating & Cooling, Kitchen w/Custom Cabinets, Stone Slab Counters, SS Appliances, Sink Faucet & Island, Baths w/Custom Walk-In Showers, Vanities & More! Ceramic Plank Flooring, Custom Lighting, Upgraded Fans, Fixtures & Hardware, Newer Paint Inside & Out, Custom Window Treatments, Recessed Electric Fireplace & Recessed Oversized TV & The List Goes On! PREMIUM South Facing Golf Course Location For Winter Sun & STUNNING Sunsets, Extended 2 1/2 Garage, Lush Landscaping & More! Move In & Enjoy!

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17662 E Chevelon Canyon Circle Rio Verde, AZ 85263

$749,000

3 Beds

2 Baths

1,679 SqFt

Status Active

MLS # 6753902

Property Type Twin Home

Price Type --

Indulge in breathtaking Mountain and Desert Views from your expansive covered patio in this stunning Resort Collection home featuring 3 spacious bedrooms and 2.5 baths. Nestled in the heart of Trilogy at Verde River, you can walk to the club house. The gourmet kitchen boasts GE Monogram appliances, upgraded cabinets, a wrap-around island with granite counter, and reverse osmosis for pure water. The great room with a 15' sliding patio door opens to the extended patio with firepit and fountain on a larger lot that is adjacent to the desert. The master suite offers a luxurious tiled bath, extended walk-in closet, linen cabinet, custom mirror, and granite counters. Plantation shutters, wood floors and 5'' baseboards throughout. Other upgrades include water softener, UV protected windows, motorized sun shade, floor to ceiling tile in guest bath, custom mirrors in baths, and epoxy flooring in the garage. HOA fee covers front and backyard landscaping maintenance as well as exterior paint. Trilogy at Verde River is a Resort Style community featuring something for everyone! Tom Lehman designed golf course, tennis, pickle ball, bocce ball, heated lap pool and swimming pool, hot tub, fitness center, demonstration kitchen and a 7.5 acre dog park. The community center has casual and fine dining, luxury spa and an events center. Trilogy at Verde River is adjacent to the Tonto National Forest and is situated in the middle of miles and miles of hiking and biking trails yet close to the conveniences of affluent North Scottsdale. Live like you're on vacation!!

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19674 E Strawberry Drive Queen Creek, AZ 85142

$749,000

5 Beds

4.5 Baths

4,058 SqFt

Status Active

MLS # 6725728

Property Type Single Family Residence

Price Type --

Home now priced well below appraised value from June 2024. Great location, minutes to Mansel Carter Oasis Park, Los Colinas Golf Club, Phx Gateway Airport, shopping, dining, and more. Stunning 4 bedroom home with attached casita! Welcome to your dream home! This spacious property features a beautiful 4 bedroom, 3.5 bathroom main house with a bonus attached 1 bedroom, 1 bathroom, living room, full kitchen, and 1-car garage casita - perfect for guests, craft workshop, rental opportunity, whatever you can imagine!The main home boasts ample living space, modern amenities and design, and a comfortable atmosphere for you and your loved ones. Located in the desirable, gated community of Cielo Noche, this home offers the best of both worlds - privacy & convenience.

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1008 E Phoenix Street Payson, AZ 85541

$749,000

3 Beds

3 Baths

2,522 SqFt

Status Active

MLS # 6726144

Property Type Single Family Residence

Price Type --

Welcome to this gorgeous property that offers the perfect blend of comfort and charm. This home is sure to delight, featuring 3 bedrooms and 3 bathrooms, an open floor plan and fireplace in the living area. The kitchen boasts sleek countertops and ample cabinet space, making it ideal for both everyday living and entertaining. Step outside to the beautifully landscaped yard, a tranquil oasis with mature trees, lush greenery, and a covered patio. Don't miss the opportunity to make this stunning home yours!

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5719 E Muriel Drive Scottsdale, AZ 85254

$749,000

4 Beds

2 Baths

1,941 SqFt

Status Active

MLS # 6730969

Property Type Single Family Residence

Price Type --

No HOA! Discover Scottsdale's coveted 85254 Magic Zip Code with Phoenix taxes! This cul-de-sac beauty combines location and lifestyle, offering access to top-rated Paradise Valley schools. This spacious home includes a open floor plan with soaring ceilings perfect for entertaining. The kitchen showcases hardwood cabinets and stainless steel appliances, while the inviting family room centers around a Travertine fireplace and opens to a large backyard. The primary suite features dual large closets, a soaking tub, and dual vanities. Outdoors, enjoy a PRIVATE POOL, covered patio, and lush lawn on a sizable 9,000+ SQ. FT. LOT! (AC was replaced 2022). Located just a few miles from Mayo Clinic, Scottsdale Quarter and Kierland Commons! This 1,941 sq. ft. home has 4 bedrooms, 2 bathrooms, and was built in 1987. It includes a two-car garage with shelves, indoor laundry, a wood-burning fireplace, and kitchen pantry. Located in the desirable 85254 Magic Zip Code, you'll enjoy a Scottsdale address with Phoenix taxes and utilities, all within the Paradise Valley school district. The home also features north/south exposure, block wall fencing for added privacy, and is just a few miles from shopping and dining.

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2219 N 74th Place Scottsdale, AZ 85257

$749,000

4 Beds

3 Baths

2,118 SqFt

Status Active

MLS # 6752913

Property Type Single Family Residence

Price Type --

Location, location, location! Discover the essence of Scottsdale living in this centrally located gem. Just minutes from spring training camps, premier golf courses, Eldorado Park, the Greenbelt Trail System, Old Town Scottsdale, Fashion Square Mall, ASU, and Sky Harbor Airport, this property offers unparalleled convenience. With no HOA fees, it's an ideal choice for short-term rentals. Recently renovated bathrooms and flooring. Don't let this one slip away!

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