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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1455 E Tuckey Lane Phoenix, AZ 85014

$739,000

3 Beds

2 Baths

1,531 SqFt

Status Active

MLS # 6775976

Property Type Single Family Residence

Price Type --

Central Phoenix living at its best! This charming 1950's ranch home is located in Madison Manor, a quaint community with only 26 homes and no HOA. Nestled on a spacious, irrigated lot, this property offers stunning mountain views of Piestewa Peak, creating a picturesque backdrop. As you step inside you will be greeted by an open and spacious family room that seamlessly flows into the kitchen and dining area creating a great space for both entertaining or casual family living. The home features 3 bedrooms and 2 bathrooms that have been updated and sure to please! You will love the freshly painted interior, the modern updated lighting, and the newly installed luxury vinyl flooring! An interior laundry room with washer and dryer included! You will enjoy spending time in your grassy backyard relaxing under the covered patio. You will feel like you have taken a step back in time in this enchanting community, where leisurely strolls are a cherished daily ritual. Welcome to Madison Manor!

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3113 E Boston Street Gilbert, AZ 85295

$739,000

4 Beds

2 Baths

2,524 SqFt

Status Active

MLS # 6779270

Property Type Single Family Residence

Price Type --

Welcome to this inviting 4-bedroom home (plus a flexible bonus room) nestled in one of Gilbert's most sought-after neighborhoods, just minutes from Agritopia, San Tan Village, and popular restaurants and shopping. The gourmet kitchen opens to a bright family room, complete with a gas fireplace. Enjoy cooking with new Bosch stainless steel appliances, including a new microwave (2024) and new double ovens (2021). The primary suite provides a relaxing retreat with a jetted soaking tub, spacious shower, dual sinks, and a generous walk-in closet. Recent updates include: Two new 14 SEER Carrier A/C units (2020), New water heater (2021), New family room carpet (2024), & Universal car charger in the garage. Step outside into the south-facing backyard, where the play pool invites you to unwind and enjoy the Arizona sunshine. With plenty of space for outdoor fun and relaxation including a large covered patio, the backyard offers great potential to make it your own. The home is located in a neighborhood designed for outdoor living, with sidewalks, parks, and a variety of amenities for everyone. Enjoy the basketball court, covered play structure, and ramada with picnic tables, perfect for gatherings with family and friends. Awesome location with easy access to the 202, shopping, restaurants, and golf! A must see!

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21320 N 56th Street Unit 1023 Phoenix, AZ 85054

$739,000

2 Beds

2 Baths

1,697 SqFt

Status Active

MLS # 6781499

Property Type Apartment

Price Type --

Enjoy a relaxed lifestyle with all the desired conveniences & ammenities you could wish for in this stunning home which has been totally remodeled. Many unique features. All tile and LVP flooring. Custom walk-in closet will hold 100 pairs of shoes! Ample storage cabinets in the garage. Pool views including grassy grounds. Amazing sunset views! The community features 3 heated pools/spas. 3 workout facilities. Nestled next to the Marriott Wild Fire Golf Course. A gated community within walking distance to Desert Ridge Marketplace and High Street for dining and shopping. Just minutes to the 101 and 51 Freeways. Enjoy a relaxed lifestyle with all the desired wonderful conveniences you could wish for.

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6701 E Phelps Road Scottsdale, AZ 85254

$739,000

2 Beds

2.5 Baths

1,802 SqFt

Status Active Under Contract

MLS # 6773207

Property Type Single Family Residence

Price Type --

Welcome to your new home in the heart of Scottsdale! This beautifully appointed 2 bed 2.5 bath property features a fantastic layout great for entertaining and an expansive backyard with a sparkling pool! Unwind in the serene outdoor space surrounded by lush landscaping complete with a bocce ball court! The home has tons of upgrades including a new HVAC, new pool pump, and much more! You're just a quick drive to tons of restaurants, bars, and shopping at Kierland Commons + Scottsdale Quarter. With easy access to Bell Rd, you're able to get anywhere in the valley with ease!

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5148 S Red Yucca Lane Gold Canyon, AZ 85118

$739,000

3 Beds

3 Baths

2,087 SqFt

Status Active Under Contract

MLS # 6779689

Property Type Single Family Residence

Price Type --

Prime Location Meets Breathtaking Views ! Nestled on a private hillside cul-de-sac, this stunning home, sold fully furnished, is a masterpiece of good living. From the moment you arrive, you'll be welcomed by a gated entrance leading to an enchanting courtyard with a cozy kiva fireplace, setting the tone within.The main residence spans 1,733 sq ft, showcasing an impressive entrance with Venetian plaster walls, soaring ceilings, and an open, light-filled floor plan that radiates sophistication. The gourmet kitchen is a chef's dream, boasting new cabinetry, top-tier fixtures, all-new appliances, and gleaming Quartz countertops. Flowing seamlessly from the kitchen, the great room opens up to expansive backyard views and a warm fireplace, perfect for cool desert evenings. Retreat to the primary suite, where large bay windows bathe the room in natural light. Enjoy the luxury of a private exit, an ensuite bath adorned with floor-to-ceiling stone tile, dual sinks, and much more. The main home also includes a spacious guest bedroom, a full secondary bath, and a versatile den/office space. Step through the beautiful new Anderson French Doors to your extended, pristine patio, complete with sweeping views of the Sonoran Desert, mature fruit trees, and a private, quarter-acre hillside sanctuary. The fully furnished casita features new flooring, a cozy seating area, kitchenette, and a full-sized bath, plus a brand-new 17 SEER HVAC system for year-round comfort. This home has been meticulously maintained with numerous upgrades, including a new roof, two HVAC systems, windows, doors, shutters, paint, and completely updated kitchen and baths. There's simply too much to list - this property must be experienced in person to be fully appreciated!

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20930 E Canary Way Queen Creek, AZ 85142

$739,000

5 Beds

4 Baths

2,752 SqFt

Status Active

MLS # 6772572

Property Type Single Family Residence

Price Type --

Beautiful Taylor Morrison Next Gen Home In Queen Creek. This stunning 4 year old Taylor Morrison Resale offers the ultimate in modern living with a unique attached casita featuring a private entrance, perfect for multi-generational living or quests. The home boasts a bright, open floor plan, complete with sleek, updated ceiling fans and light fixtures throughout. A massive sliding glass door seamlessly connects the indoor living space to the outdoor patio, providing a perfect flow for entertaining. The gourmet kitchen is a chef's dream, showcasing granite countertops, an oversized island with a breakfast bar, and soft-close cabinets and drawers--all equipped with convenient roll-out shelves. The kitchen also includes a gas cooktop, dual electric wall ovens, and a spacious walk-in pantry. Enjoy the added benefit of a whole-house water filtration system, along with a separate under-counter reverse osmosis (RO) system for purified drinking water. Security and elegance blend with custom iron security entry doors and a beautifully designed cobblestone driveway and entry sidewalk. The backyard oasis features a heated and cooled saltwater pebble tech pool with a tranquil water feature, powered by a cutting-edge heat pump system. Ideally located close to major shopping centers, fine dining, and entertainment, this home offers both luxury and convenience, a perfect fit for families. Don't miss your chance to own this incredible home in the heart of Queen Creek.

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9170 S Hackney Place Hereford, AZ 85615

$739,000

4 Beds

3 Baths

3,163 SqFt

Status Active

MLS # 6717192

Property Type Single Family Residence

Price Type --

Amazing new construction in the exclusive Wildhorse gated subdivision. Large 4 bedroom 3 bath home with split floorplan. With 3,163 feet there is plenty of room for a large family. The central great room, sitting room/den, dining room and bonus room give you so many opinions. Sitting on over 5 acres to lot has some nice mature oak trees and sweeping views of the Huachuca Mountains and San Pedro Valley. Some of the additional features incuse a 3 car garage, large walk in pantry, and an kitchen with island ready for the next chef of the house. The master bedroom is tucked into the Northeast corner of the home for privacy and has a large walk in closed and custom bathroom with duel vanities, garden tub and shower.

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20955 E Mayberry Road Queen Creek, AZ 85142

$739,000

5 Beds

4 Baths

3,158 SqFt

Status Active

MLS # 6712015

Property Type Single Family Residence

Price Type --

Discover this inviting 5-bedroom, 4-bathroom residence offering a perfect blend of luxury and comfort, ideal for both relaxation and entertaining. Nestled in a tranquil neighborhood, the home boasts a spacious and inviting layout with plenty of natural light throughout. The heart of the home is the upgraded kitchen, featuring top-of-the-line stainless steel appliances, custom cabinetry, a prep kitchen, oversized pantry, chef's stove, 2 ovens and elegant quartz countertops. It seamlessly flows into a cozy family room, creating an open-concept space perfect for gatherings. Upstairs you will find the large loft perfect for movie nights and 3 generously sized bedrooms with walk in closets and one bedroom with an attached bathroom. On the first floor the primary suite is a true retreat, complete with an en-suite bathroom featuring a walk-in shower, dual vanities and a dressing table. The fifth bedroom, also on the first floor, is the perfect retreat for guests with access to a semi-private bathroom. Step outside to your private oasis! The travertine tile patio is perfect for outdoor dining and lounging, overlooking a sparkling pool that promises endless summer fun. The beautifully landscaped yard offers a serene escape, perfect for both relaxation and entertaining guests. Additional features include a three car tandem garage, a spacious laundry room and a separate entry from the garage. This meticulously maintained home is move-in ready, offering a luxurious lifestyle in a sought-after location minutes away from Queen Creek Marketplace, area dining and quick access to local freeways. Neighborhood amenities include 2 large parks, green space, community grills, pickle ball and basketball courts. Don't miss the opportunity to make this exceptional property your own! This home is agent-owned.

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20948 E Arrowhead Trail Queen Creek, AZ 85142

$739,000

5 Beds

4 Baths

3,161 SqFt

Status Active

MLS # 6728779

Property Type Single Family Residence

Price Type --

Welcome to Terravella! Your new home has carefully selected upgrades that include wood plank tile floors, leading you to the panoramic view of the back yard through a beautiful set of sliding glass doors. Lush turf and privacy from the absence of rear neighbors, create an amazing indoor/outdoor living space. This floor plan provides 5 generous bedrms, 4 baths, and large loft. The primary suite is located on the first level, as well as one additional bedroom and bathroom for guests. The gourmet kitchen offers quartz countertops, designer cabinets, walk in pantry, and separate prep space. Conveniently located to essential amenities, such as shopping, entertainment, a newer Costco, with freeway access nearby. And you will be able to celebrate the end of your day with a round of pickleball!

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4602 Mountain Gate Circle Lakeside, AZ 85929

$739,000

3 Beds

2 Baths

2,877 SqFt

Status Active

MLS # 6726744

Property Type Single Family Residence

Price Type --

Look no further! This is your stunning custom dream home in the White Mountains of AZ! Big open living room with T & G ceilings, rock accented pellet stove and built in shelving. Split floor plan features large primary bedroom with private deck. Primary bath has a garden tub and walk in shower. Two guest rooms one with access to back deck and yard, Central A/C and heat. Huge covered back deck with T & G ceilings to enjoy the four seasons and family entertaining. Covered front deck to enjoy morning coffee. Exclusive gated Mountain Gate subdivision that features a private pond with waterfall, walking and biking paths along a private creek.

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1201 W Washington Avenue Gilbert, AZ 85233

$739,000

5 Beds

3 Baths

2,876 SqFt

Status Active

MLS # 6755750

Property Type Single Family Residence

Price Type --

Welcome to this stunning/beautiful two-story home situated on an inside corner lot in the heart of Gilbert, AZ. This 5-bedroom, 3-bathroom residence offers everything you need for comfortable and luxurious living. As you approach the home, you'll notice the impressive 3-car garage and RV gate, providing ample space for vehicles, as well as extra parking available on the large side yard. The spacious backyard is a true oasis, featuring a sparkling blue pool, complete with a soothing water feature, perfect for cooling off during Arizona's warm days. The large, tranquil grassy area is ideal for outdoor activities, gardening, or simply unwinding in your own private sanctuary, complete with a little house/shed for endless possibilities. Inside, you're greeted by vaulted ceilings that create an open and airy atmosphere. The formal living and dining rooms provide an elegant space for hosting gatherings and special occasions. The open eat-in kitchen is a chef's delight, complete with a center island and breakfast bar, stainless steel appliances, and seamless flow into the cozy family room. Here, you can enjoy evenings by the gas fireplace, making it the perfect spot for relaxation. Upstairs, the primary bedroom serves as a luxurious retreat, featuring an ensuite bathroom with dual sinks, a separate shower, a deep soaking tub, and a spacious walk-in closet. Three additional bedrooms and a guest bathroom are also located on the upper level, providing plenty of space for family and guests. A fifth bedroom is conveniently located downstairs, ideal for a home office or guest room. The home is part of a friendly community that offers a pool, park, and playground, making it a great place for get togethers. Its location is unbeatable, with popular restaurants, convenient shopping, McQueen Park, and local schools just a short drive away. Don't miss the opportunity to make this incredible home your own and enjoy all that Gilbert has to offer!

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12736 W Auburn Drive Peoria, AZ 85383

$739,000

2 Beds

2.5 Baths

2,260 SqFt

Status Active

MLS # 6730604

Property Type Single Family Residence

Price Type --

RARE FIND - in the most sought after area of Trilogy, just steps away from the Kiva Club & a short walk to V's Taproom. PRE-PAID SOLAR LEASE-no payments. Step inside this GORGEOUS 2 bed, 2.5 bath, office/den & incredible WET BAR fully equipped with a wine/beverage center, tons of cabinets, granite c-tops & under cabinet lighting. Perfect for entertaining family & friends. Plenty of space to gather w/the large great room, dining room & breakfast areas. SPECTACULAR kitchen features HIGHLY UPGRADED raised panel staggered cabinets w/larger crown molding & black glazing, STUNNING granite c-tops w/decorative backsplash, large breakfast bar, SS appl, GAS COOKTOP & pendant/undercabinet lighting. Private den/office w/double French doors & custom shelves. GORGEOUS owner's suite w/travertine c-tops, double sinks, designer tile shower & large walk-in closet w/cabinet pass-through into laundry room. Second bathroom upgraded as well. Smart space has an abundance of cabinetry for storage, laundry sink, BUILT-IN hobby desk & office desk. Step outside to your own PRIVATE OASIS - covered travertine patio w/extended pavers, mature landscaping & motorized sunscreen. Don't miss this AMAZING HOME in the BEST LOCATION in Trilogy!! START ENJOYING RESORT-STYLE LIVING AT ITS FINEST. Additional upgrades - oversized tile laid on a diagonal (no carpet) t/o, lighting/ceiling fans, faucets/sinks, framed mirror, reverse osmosis, interior doors, hardware, 4 ft. extended garage w/built-in cabinets & epoxy floor, water softener & gated/wall garbage enclosure. Enjoy low electric bills w/PRE-PAID SOLAR.

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