Forget Mortgage Apps: 5 Reasons Why You’ll Want to Use a Human Mortgage Broker

Forget Mortgage Apps: 5 Reasons Why You'll Want to Use a Human Mortgage BrokerA 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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23228 N Gaviota Drive Sun City West, AZ 85375

$725,000
4 Beds
3 Baths
2,151 SqFt
Status Active
MLS # 6773553
Property Type Single Family Residence
Price Type --
Step into the ultimate of resort-style living with this impeccably renovated 4-bedroom, 3-bathroom San Marco Model home with private Casita, located in the prestigious Gated Corte Bella Country Club. Spanning 2151 sq ft, this home has undergone a complete transformation in 2019 - 2020, enhancing every aspect to deliver a modern and luxurious lifestyle. The exterior boasts a private greenbelt corner location with professionally re-designed landscaping including lush trees, palms, plantings and strategic lighting. A large welcoming courtyard with a custom gate, travertine, private casita, and soothing water feature greets you upon arrival. This lot and location rare having both side and rear privacy plus amazing sunsets. Stepping into the main home's foyer, there is an elegant rotunda featuring a custom table fit to the rounded wall, as well as a mirrored niche. A great room with French Patio Doors, a custom arched media wall with bench seating, mirrored shelving, lighting and large TV mount. Combining living and dining this floor plan is open and adjoined with an exquisite kitchen. The kitchen steals the show with its custom features including another custom arched wall, extended island, redesigned cabinet layout, as well as the addition of more cabinets, upgraded stainless steel appliances, and quartz countertops showcasing a stunning backsplash. The primary suite is a haven of tranquility with a designer wallpapered accent wall, direct access to the rear yard and patios, space large enough for a conversation /relaxation seating area. The accompanying primary bath features a custom walk-in tiled shower, new sinks, designer faucets, hardware, beautiful fixtures, and remodeled quartz countertops. The guest bathroom equally lavish, offering a custom walk-in shower, designer sink with faucet and a furniture style cabinet. The elegant wall paper and paint, simply gorgeous. Entertaining is a breeze with a rear built-in BBQ and an extended travertine patio that promises many evenings of relaxation with no neighbors behind. The outdoor space, feels like an extension of the home with its outdoor curtains, TV and comfort. This home not only offers aesthetics but also practical upgrades such as a new laundry setup with upper and lower new cabinets, a new sink, and newer washer and dryer. The property provides an unparalleled lifestyle for those aspiring to own a sophisticated and modernized home in a reputable country club setting. It's more than just a home; it's a lifestyle upgrade waiting for you.

17720 W Cactus Flower Drive Goodyear, AZ 85338

$725,000
3 Beds
2 Baths
2,381 SqFt
Status Active
MLS # 6751911
Property Type Single Family Residence
Price Type --
WOW! What a view! Spectacular Sunrises/Sunsets and Panoramic Mountain views! Beautifully maintained home with many upgrades. (Original UDC Copper Ridge Model Home) Spacious open floor plan with vaulted ceilings - Many options for creative room utilization. Extra large meticulously manicured lot (almost 1/3 acre!) with view fencing overlooking the North Lake! This highly sought after community is nestled next to the Estrella Mountains with gorgeous views and amazing amenities including hiking/biking, golf, fishing, tennis/Pickleball, boating - Resort living at it's finest!

4808 N 24th Street Unit 224 Phoenix, AZ 85016

$725,000
2 Beds
2 Baths
1,528 SqFt
Status Active
MLS # 6777655
Property Type Apartment
Price Type --
Discover a rare opportunity to own this luxurious, fully furnished condo crafted for those who appreciate the finer things in life. Created and designed by a top interior designer, this meticulously remodeled corner unit spares no expense including a new, special-order HVAC unit. Floor-to-ceiling windows and premium finishes elevate every detail in this condo, which boasts one of the largest private patios in the building, a true rarity. Step inside and be enveloped in warmth from natural light reflecting off wood-look luxury vinyl plank flooring, and enjoy a spacious 2-bedroom, 2-bathroom layout with a dedicated office space ideal for young professionals or as a ''lock-and-leave'' option for snowbirds. The chef's kitchen is a masterpiece, featuring crisp white quartz countertops, custom cabinetry, and newly installed stainless steel appliances, including a coveted gas stovetop. Both bathrooms are luxuriously appointed with quartz countertops and tile walk-in showers, seamlessly continuing the condo's refined aesthetic. Outside, the expansive private patio awaits, offering a tranquil spot above the vibrant Biltmore Fashion Park area, perfect for unwinding. Take in 360-degree views of the Valley from the rooftop terrace, complete with a new pool, or walk to local amenities, from upscale dining and shopping to theaters and Biltmore-area attractions. Sky Harbor Airport, Arcadia, Downtown Phoenix, and Old Town Scottsdale are minutes away, adding convenience to this incredible location. Additional perks of Unit 224 include new washer and dryer, two designated parking spaces, storage closet, abundant guest parking, and full access to the building's newly remodeled 24-hour fitness center, steam room, business center, and clubroom with a catering kitchen. An on-site HOA property manager offers concierge-level service, making every day seamless. Experience the pinnacle of luxury living at the Optima Biltmore book a tour today and make this exclusive, designer-owned residence yours!

5718 E Danbury Road Scottsdale, AZ 85254

$725,000
3 Beds
3.5 Baths
1,854 SqFt
Status Active
MLS # 6769825
Property Type Single Family Residence
Price Type --
Photos will be added next week as seller is moving. Two story home with two bedrooms and a loft that could easily become a third bedroom as it has a closet. Detached casita in front has a bedroom and bath. Big stirage shed and room for additional parking on the east side. Quiet Cul-de-sac with N/S facing. Needs updating but in a neithborhood of higher priced homes,

20410 N 51st Drive Glendale, AZ 85308

$725,000
4 Beds
2.5 Baths
1,892 SqFt
Status Active
MLS # 6759825
Property Type Single Family Residence
Price Type --
Prestigous Arrowhead Lake water property with specatcular sunset views with your own personal dock and pontoon boat. This Regal 4 bedroom home has been remodeled thoughout to include newer granite kitchen counters, new lighting throughout, custom shutters and window treatments, tile flooring, Custom decorator touches throughout and professionally landscaped. Solar panels are leased but will be paid off prior to closing for the new owners. Impeccably maintained inside and out. Exterior has just been painted Sept 19, 2024. Pontoon boat my be included in sale.

13036 N 20th Street Phoenix, AZ 85022

$725,000
4 Beds
2.5 Baths
2,665 SqFt
Status Active
MLS # 6755217
Property Type Single Family Residence
Price Type --
Introducing a stunning brand-new home with breathtaking mountain and city light views! This spacious home features an open layout, perfect for entertaining and family gathering. The kitchen is equipped with high-end appliances and modern finishes, while sliding glass doors lead to a back patio, seamlessly blending indoor and outdoor living. Luxurious wood flooring runs throughout. Every detail, from the spacious bedrooms to the beautifully designed bathrooms, ensures comfort and style. Just 5 minutes from the freeway, this home offers easy access to the rest of the city. Top-ranked BASIS Phoenix is nearby. Outdoor enthusiasts will love the proximity to scenic hiking trails and golf resorts. The home is offering both convenience and adventure!

15079 W Desert Vista Trail Surprise, AZ 85387

$725,000
4 Beds
2 Baths
2,194 SqFt
Status Active
MLS # 6760921
Property Type Single Family Residence
Price Type --
This is home is close to Perfection !!! Horse property , no HOA in this growing area of Surprise. Corner cul-de-sac lot , w/ 3 car garage. Backyard has block fencing and 2 RV gates , bring your toys and horses!!! Water softener in garage and added 50 amp breaker to box. Kitchen features custom hood -fan, tiled backsplash , and 2 pantry cabinets , breakfast bar has granite , deep sink, built-microwave. most light fixtures/indoor-outdoor and ceiling fans were replaced. Ideal home for entertaining guest . Master bath posses luxury free-stand soaking tub , Maser bedroom has large walk-in-closet Builder warranty available , and all appliances will convey.

64 W Via De Palmas -- San Tan Valley, AZ 85140

$725,000
3 Beds
2 Baths
2,078 SqFt
Status Active
MLS # 6759036
Property Type Single Family Residence
Price Type --
1.39 irrigated acres in the heart of San Tan Valley!! The property offers an inviting front porch & a circular drive & two custom metal gates to access the backyard. The home's entry is bright and open to the den, living room, & eat-in kitchen with bay window. It is PERFECT for entertaining with all of its open space and direct access to the covered back patio. Split master bedroom offers a large walk in closet, dual sinks, a shower, tub & access to the backyard. There's also two additional bedrooms & an oversized laundry room. Garage has air conditioner for storing stuff or working on projects. Recently remodeled 45'x25' custom pool with built in spa. Play Basketball or Volleyball while you soak up the sun. Gather your horses and/or your toys, there is more than enough room!!

239 E Pinto Court Gilbert, AZ 85296

$725,000
4 Beds
3 Baths
2,733 SqFt
Status Active
MLS # 6761262
Property Type Single Family Residence
Price Type --
This stunning home in Settler's Point is exactly what you've been looking for! Featuring 4 spacious bedrooms, 3 bathrooms, and a 3-car garage, this property is nestled in a cul-de-sac near the community park. Recently updated with new tile flooring and fresh paint throughout, it feels bright and welcoming. The modern kitchen boasts neutral cabinetry, a newly installed island, and upgraded countertops. Upstairs, you'll find the generously sized primary suite, along with two additional bedrooms and a full bath. The lower level includes a full bedroom and bath, ideal for guests. Outside, the backyard offers a diving pool, a grassy area, and space for a small sport court. Located close to Downtown Gilbert fine restaurants and shopping!

10758 E Lobo Avenue Mesa, AZ 85209

$725,000
5 Beds
3 Baths
3,435 SqFt
Status Active
MLS # 6762546
Property Type Single Family Residence
Price Type --
Welcome to this exquisite move-in ready home nestled in the highly sought-after Villages of Eastridge! As you enter, you'll be greeted by a thoughtfully designed floor plan that seamlessly blends elegance and functionality. The formal living and dining areas are perfect for hosting gatherings, while a conveniently located bedroom and full bathroom on the main floor provide comfort and accessibility for guests or family. Venture upstairs to discover a sprawling loft, ideal for a game room, media center, or additional living space, catering to all your entertainment needs. This home is filled with luxurious upgrades, including beautiful wood laminate and tile flooring that add warmth and sophistication, along with stunning granite countertops and designer fixtures that elevate the overall aesthetic. The gourmet kitchen is a chef's dream, featuring a large island that invites casual dining, a spacious pantry for ample storage, and high-end stainless-steel appliances, complete with gas cooking for precise culinary creations. Retreat to the expansive master suite, where you'll find a tranquil oasis with a separate shower and a relaxing garden tub. A private exit leads you to the balcony, perfect for enjoying morning coffee or evening sunsets. Step outside to your impressive resort-style backyard, a true paradise for relaxation and entertainment. The covered patio offers a shaded retreat, while the heated saltwater pool and hot tub provide a perfect escape on warm days. An outdoor built in BBQ adds a touch of convenience and ensures that you can host unforgettable summer cookouts. This home truly embodies luxury living in a prime location!

8201 E Monterey Way Scottsdale, AZ 85251

$725,000
3 Beds
2 Baths
2,026 SqFt
Status Active
MLS # 6768389
Property Type Single Family Residence
Price Type --
Welcome to sunny Scottsdale, Arizona! This 2,026 sqft home is set on a private 1/4+ acre lot in the heart of Scottsdale, AZ. This lot is arguably the nicest lot in the community (private, no through streets, next to a quiet walking path) The original owner has taken immaculate care of the home. New roof 2024, sewer re-pipe 2024, New electric panel 2024... and the list goes on! This spacious floor plan allows for easy entertaining with open formal living and dining, while the heart-of-the-home family room (with fireplace) opens perfectly to the kitchen. Just off the living room you will find the large indoor laundry room and a private den with door access to the side yard! Use the den as a home office, gym space or crafts area. On the other side of the home, you will find three bedrooms and two bathrooms. Outside, relax under the oversized covered patio. Pick your own fruit from the handful of mature citrus trees. Watch the Arizona sunset from your own slice of paradise. This beautiful home is nestled in the highly desirable South Scottsdale Corridor - minutes from Old Town, Fashion Square Mall, Restaurants, MLB Spring Training Facilities, Chaparral Park, golf courses, hiking, and the 101 Freeway. Homes like this rarely come to the market. Schedule your showing today!

2158 N Yale -- Mesa, AZ 85213

$725,000
4 Beds
3 Baths
2,440 SqFt
Status Active
MLS # 6763692
Property Type Single Family Residence
Price Type --
Completely updated home in a non HOA community with potential ADU in backyard. Brand new roof, new paint on the inside and outside. Brand new carpet, synthetic grass for easy maintenance. Great schools, Stapley Jr High and Mountain View HS. Grab your Realtor and come see this house today

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