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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25555 N Windy Walk Drive Unit 94 Scottsdale, AZ 85255

$740,000

2 Beds

2 Baths

1,556 SqFt

Status Active

MLS # 6747833

Property Type Townhouse

Price Type --

This unique offering of a rare, single level, open concept townhome with attached 2 car garage in the prestigious 24/7 guard-gated Skye Top enclave within Troon Village affords the very best of all possible worlds, situated close to and connected by a new 4-lane road all the way from the front gates to the cosmopolitan conveniences of North Scottsdale, yet secreted within the pristine privacy of the guard-gated Troon Village. Guests are greeted in the foyer with vaulted ceilings and immediately taken by the picturesque floor to ceiling windows and glass doors drawing in natural light and captivating views of saguaro cacti and native flora. Sunset views, coupled with the backdrop of highly coveted Pinnacle Peak, are enjoyed not only from the large private patio, but also from the large private patio, but also from all main living/dining areas and spacious primary bedroom. The 2 bedroom + den layout is centralized by a light and bright great-room, open to the dining area and island kitchen that leads to the laundry room and large garage with storage shelving. Interior has been tastefully updated with new pot lighting throughout all rooms, paint, new kitchen appliance package, neutral wood & tile floors, matte black hardware and redesigned fireplace accent wall, to give this desert dwelling its modern personality. Conveniently located across the street from the heated community pool/spa and rec room and minutes to world class golf, hiking, dining and shopping and world famous Four Seasons resort.

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4137 E Sourwood Drive Gilbert, AZ 85298

$740,000

3 Beds

3 Baths

2,551 SqFt

Status Active

MLS # 6761254

Property Type Single Family Residence

Price Type --

Beautiful Cimarron floorplan home for Sale in Trilogy at Power Ranch! This amazing home offers charming curb appeal, and everything you could want inside, with upgrades like travertine flooring, plantation shutters, and more! It is an entertainer's delight with an upgraded kitchen featuring granite countertops, a giant kitchen island, perfect for meal prep or entertaining, stainless steel appliances, no shortage of cabinets and storage, with both a Formal Dining Room and additional dining space in the family room. The kitchen looks out to the beautiful courtyard where you can enjoy those stunning Arizona sunsets. The family room is spacious with a gas fireplace, and sides to the Arizona Room for additional in-door/outdoor living! The Master Bedroom is your own retreat, as its spacious enough to fit oversized furniture and has updated wood-plank tile flooring and bay window, with a door to the backyard. The Master Bathroom is huge, featuring two separate vanities, glass shower and separate soaking tub with jets, a massive walk-in closet, and a den that would make for the perfect office, craft room, home gym, you name it! The secondary bedrooms are both spacious as well, each with their own access to full bathrooms. And don't forget about the backyard, aka your own desert oasis, with a private pool that's perfect for keeping cool in the summer months, or even doing laps! This amazing home has it all, welcome home!

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11310 E Circle Drive Cornville, AZ 86325

$740,000

3 Beds

3 Baths

2,354 SqFt

Status Active

MLS # 6771109

Property Type Single Family Residence

Price Type --

Completely remodeled and upgraded, this 3-bedroom, 3-bath home with a studio-style detached casita with its own bathroom offers modern luxury on an acre of horse property just 30 minutes from Sedona. No detail was overlooked--brand-new kitchen with sleek finishes, new floors, roof, baseboards, and water heater. Both bathrooms have been fully upgraded, along with countless other improvements throughout the home. Experience peace of mind with all-new features while enjoying the natural beauty and tranquility of the quiet neighborhood. This home is the perfect blend of country living and contemporary comfort. Come check the house out incredibly easy to show!

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2679 E Indian Wells Drive Gilbert, AZ 85298

$740,000

4 Beds

2.5 Baths

2,602 SqFt

Status Active

MLS # 6772992

Property Type Single Family Residence

Price Type --

Welcome to your dream home! This stunning 4-bedroom, 2.5-bathroom residence, built in 2018, offers modern living in the desirable Adora Trails neighborhood. As you step inside, you'll be greeted by elegant wood-like tile flooring that flows through all main living areas, creating a warm and inviting atmosphere. The thoughtful split floor plan ensures privacy and comfort for everyone. The spacious kitchen is a chef's delight, featuring beautiful granite countertops, double ovens, a gas stove top, and a large walk-in pantry—perfect for culinary creations and entertaining. The kitchen seamlessly opens to a bright living area, highlighted by a large sliding glass door wall that leads to your covered patio, blending indoor and outdoor living. Retreat to the luxurious primary suite, where you'll find a separate tub and shower, providing a spa-like experience. Plantation shutters throughout the home allow you to control natural light while enhancing your home's aesthetic. Step outside to your beautiful backyard oasis, featuring a sparkling poolideal for relaxing or hosting gatherings. The expansive outdoor space offers endless possibilities for fun in the sun. This home also includes a generous 4-car tandem garage, providing ample space for vehicles and storage. Don't miss the chance to make this stunning property your own!

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11884 W Grant Street Avondale, AZ 85323

$740,000

6 Beds

2.5 Baths

4,039 SqFt

Status Active Under Contract

MLS # 6726187

Property Type Single Family Residence

Price Type --

Gorgeous remodeled home w/ amazing Chef's Kitchen! Fabulous appliance package including a SUBZERO refrigerator, WOLF Steam oven for cooking quickly while locking in moisture, WOLF induction cooktop, COVE dishwasher, & SUBZERO wine cooler. Quartz counters & custom cabinets. Entire home has been updated including flooring, interior paint, new baths w/ quartz counters & tile in 2022. Gorgeous oversized pie shaped yard w/ RV gate & slab, new salt water pool system & beautiful tropical oasis, mature trees including lime, oro blanco grapefruit, lemon, avocado, blood orange, apricot, pomegranate, banana plant, passion fruit & garden area all on drip. Smart thermostat system w/ A/C units just serviced. Great floor plan w/ main bedroom upstairs. Great closets. This home is fantastic & read Misting system. Powder room can convert to full bath and there is an area upstairs for another hall bath if buyer needs this. Don't miss the mini refridge in the kitchen with cabinet panels. Minutes from Nascar raceway and Cardinals stadium.

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23494 N 167th Lane Surprise, AZ 85387

Open House

$740,000

5 Beds

3 Baths

2,848 SqFt

Status Active

MLS # 6670550

Property Type Single Family Residence

Price Type --

Prepare to meet your forever home! This stunning corner lot residence is conveniently situated across from Asante Community Park, offering an ideal family-friendly setting. Unwind in your custom sparkling pool, designed with your utmost comfort in mind, featuring both heating and cooling systems for year-round enjoyment. With over 2,800 sqft you are given plenty of opportunity to create everlasting memories with your loved ones. Discover a hidden treasure within the home, a secret workshop integrated with the fifth bedroom, delivering an undeniable 'wow-factor'. You are not going to want to skip this home! Ask about how to convert the home into a 3 car garage!

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6412 N 17th Place Phoenix, AZ 85016

Open House

$740,000

4 Beds

3 Baths

2,247 SqFt

Status Active

MLS # 6762956

Property Type Single Family Residence

Price Type --

Built in 2022, this Madison Square home boasts 4 bedrooms, a loft, and 3 bathrooms. High ceilings lead you into a spacious kitchen featuring quartz countertops, tile backsplash, stainless steel appliances, and a large island with breakfast bar. The expansive primary suite offers a relaxing soaking tub and separate shower. Noteworthy upgrades include custom lighting, wood-look tile flooring, and numerous smart home devices. The professionally landscaped backyard features a pergola, artificial turf, low-maintenance plants, and an extended paver patio with a gas hookup—perfect for weekend BBQs. Ideally located in the heart of Phoenix, the neighborhood is minutes from Uptown's iconic shopping and dining, hiking and biking trails in the Phoenix Preserve, the 51 freeway, and Sky Harbor Airport.

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2539 E Geneva Drive Tempe, AZ 85282

$739,999

4 Beds

2 Baths

2,235 SqFt

Status Active

MLS # 6765799

Property Type Single Family Residence

Price Type --

Welcome to your dream home! This stunning, fully renovated property offers modern luxury and convenience at every turn, ensuring a turnkey living experience. The open-concept living and dining area is filled with natural light, creating an inviting atmosphere for relaxation and entertainment. Located just a few minutes from Phoenix Airport and 4 miles from the ASU campus and Cubs spring training facility, this home provides easy access to major highways, including the 101, 60, 202, and Interstate 10. Indulge your culinary passions in the gourmet kitchen, equipped with high-end GE Café appliances, a 36' 6-burner stove, sleek cabinets, granite countertops, and elegant sinks and fixtures. Dive into your refreshing pool, recently resurfaced with pebble tech and complemented by a ... new filter and pump. The backyard features heat-reducing deck paint, updated hardscaping, and a misting system for summer comfort. Recent upgrades include an updated electrical panel and solar system (2022), a roof (2022), a water heater (2022), and upgraded ductwork for the HVAC system (2024). The master bedroom boasts a sliding glass door that opens directly to the pool area. Experience luxury with all-new flooring throughout, fresh interior paint, new door hardware, and wood shutter window coverings. Modern conveniences include LED recessed lighting, updated electrical outlets with dimming switches, and new ceiling and exhaust fans in the remodeled bathrooms. Feel secure with an ADT security system and enjoy the newly insulated 2-car garage. The property features new exterior paint, LED lighting, and beautifully landscaped grounds, creating stunning curb appeal. An automatic sprinkler system maintains the lush gardens, and the covered patio is equipped with misters for added comfort. A built-in barbecue cooking area makes outdoor gatherings a breeze. This home seamlessly blends style and functionality, perfect for entertaining and everyday living. Don't miss your chance to own this modern oasis, complete with every upgrade you could wish for! It also presents a fantastic opportunity as an Airbnb or second home, with an option to purchase most of the interior furniture.

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7302 E Solano Drive Scottsdale, AZ 85250

$739,999

3 Beds

2 Baths

2,644 SqFt

Status Active

MLS # 6728541

Property Type Townhouse

Price Type --

A MUST COME SEE IN DESIREABLE BRIARWOOD! BEAUTIFUL VIEW OF CAMELBACK MOUNTAIN! This is a spacious well maintained home has new entire roof with transferable warranty, Both HVAC units replaced 3 years ago. Entire interior painted, new door handles throughout, Upgraded light fixtures, upgraded bathroom faucets, New dual paned back door with security screen, New fan in patio, Garage door serviced within last year, Triple sided fireplace, Slate tile and fully landscaped backyard . Great quiet location Large corner lot 2 miles north of downtown Scottsdale and all of its amenities, Shopping with walking distance and bike paths nearby. Close to Scottsdale Fashion Square within 1.5 miles without all the traffic. Land Lease is 1/10th of 1 % of the sales price. PLEASE CALL FOR DAYS ON MARKET X

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16846 W Hilton Avenue Goodyear, AZ 85338

Open House

$739,998

5 Beds

4.5 Baths

4,670 SqFt

Status Active

MLS # 6697514

Property Type Single Family Residence

Price Type --

Looking for a new home? You've found it! This fantastic 5 bed, 4.5 bath residence now on the market is for you! Featuring great curb appeal, a low-care front yard, and 2 garage spaces! Inside you'll find a sizeable living area and formal dining room that are sure to delight your guests. The kitchen is comprised of ample cabinetry w/granite counters, a walk-in pantry, all the built-in appliances you'll need for home cooking, and a lovely island. Don't forget about the cozy loft, where you can spend a relaxing Sunday afternoon! Discover a primary bedroom boasting a walk-in closet, private sitting area, and a full ensuite w/dual sinks. Finally, the wonderful backyard includes a covered patio and a sparkling blue pool perfect for the coming Summer days! What are you waiting for? Act now!

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22815 E Nightingale Road Queen Creek, AZ 85142

$739,990

3 Beds

3.5 Baths

3,291 SqFt

Status Active

MLS # 6678960

Property Type Single Family Residence

Price Type --

Madera at Sultana brought to you by America's largest private builder in 2023. Easy access to the 24 Freeway and nearby shopping destinations. A blend of rural charm and suburban convenience, just a short drive away from Queen Creek's premier shopping, dining destinations, as well as the newly developed Frontier Park. Dive into the inviting heated pool, relax in the soothing spa, or engage in a friendly game of pickleball, bocce ball, or basketball. The little ones will adore the thoughtfully designed playgrounds, ensuring fun-filled moments for the entire family. Inside living with wood tile floors in main living areas, carpeting in the bedrooms and white shaker cabinets and quartz kitchen countertops every detail has been chosen.

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695 W Estrella Drive Gilbert, AZ 85233

$739,990

5 Beds

3 Baths

2,974 SqFt

Status Active

MLS # 6755995

Property Type Single Family Residence

Price Type --

This N. facing nearly 3000 sq ft spacious home with 5 bedrms&3full baths offers enough space as the secondary bdrms are also large with ample closet space. Master Suite is huge with a pvt balcony, a spacious master bath & a huge walk in closet. A convenient guest bedrm is located downstairs with a full bath with new granite top. Downstairs bdrm can also be used as a Den. All bdrms have ceiling fans. The separate living area, dining area &the family room allows the family to spread out & be comfortable. The kitchen is open and has recently been upgraded with new granite counter tops & has enough cabinets to provide ample storage. The kitchen opens to the breakfast nook & flows into the expansive family room. The 3 car garage provides abundant storage for whose to love to organize & has a sink for cleanup. The expansive covered Patio with misters is shaded by beautiful trees which helps to keep the house cool as well. The sparking pool, the serene back yard, & the citrus fruit trees are a haven for family gatherings. Conveniently located close to shopping, restaurants, golf courses and freeways (202 and I-60), A+ Gilbert Schools and nestled in a quiet and serene neighborhood make this house a must see! Buyers and Buyers agent to verify all facts that are material and important to them.

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