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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19821 W Medlock Drive Litchfield Park, AZ 85340

$724,999

4 Beds

3.5 Baths

2,297 SqFt

Status Active

MLS # 6769178

Property Type Single Family Residence

Price Type --

New AC unit, new roof, private casita, & a completely remodeled home on 1 acre! Not to mention this home has already appraised for $750,000 and has No HOA! Come and check it out today.

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20277 W Mulberry Drive Buckeye, AZ 85396

$724,990

4 Beds

2.5 Baths

2,713 SqFt

Status Active

MLS # 6716597

Property Type Single Family Residence

Price Type --

READY FOR MOVE-IN AND SITTING ON A LOT OVER 12,000 SQ. FT. It's the Beautiful Granada with private courtyard has 4 bedrooms, 2.5 baths and 3 car garage. 12'x8' sliding glass door that leads out to the covered patio. Stainless steel gas appliance package with 36'' cooktop, wall oven, canopy hood. Sonoma Maple Linen-off white cabinets throughout the home with AZT Quartz Tawny countertops in the kitchen and on the enhanced kitchen island. Upgrade flooring includes Beaumont Olmo 7x24 plank tile in all areas of the home except for bedrooms and closets. Dual sinks in secondary bath, gas stub for future BBQ, dryer and soft water look. 8' tall garage door with openers, garage service door and so much more.

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22508 E Orchard Lane Queen Creek, AZ 85142

$724,990

4 Beds

3.5 Baths

2,911 SqFt

Status Active

MLS # 6773423

Property Type Single Family Residence

Price Type --

Up to 3% of base price or total purchase price, whichever is less, is available through preferred lender. The Majesty series is set in the desirable Harvest community within its own gated section. Conveniently located across from the pools, catch-and-release lake, and green park, it offers a serene escape while remaining near shopping and entertainment. The oversized kitchen, island, and pantry are perfect for hosting or simply enjoying extra space. A guest suite with a living area adds comfort and versatility. The inviting courtyard entry welcomes you home—don't miss this opportunity.

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2095 S Hillcrest Drive Camp Verde, AZ 86322

$724,900

3 Beds

2 Baths

1,783 SqFt

Status Active

MLS # 6768145

Property Type Single Family Residence

Price Type --

This is a Must See Move-In-Ready 3 bdrm 2 bath home that's been completely renovated with quality workmanship and top of the line appliances and finishes. All new stainless steel kitchen with a farm sink and a 6 burner stove that's sure to please any cook. There's plenty of Quartz countertops including an island. The cabinets have many custom conveniences.The main bath has new tile and a non slip tub! Master ensuite has a walk in marble and glass shower, double vanity and more. Spacious bedrooms with over size closets. Master bedroom has his and hers (2) closets. There's a bonus breezeway room, an attached 2 car garage and a storage/well house. New Roof. New HVAC. Plenty of room for RV/Boat,Horses, Chickens or ??? This 1.21 acre lot is located in the desirable Quarterhorse Ln area.

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1857 Pine Cone Road Heber, AZ 85928

$724,900

2 Beds

2 Baths

1,900 SqFt

Status Active

MLS # 6770886

Property Type Single Family Residence

Price Type --

Perched on 2.35 acres in the heart of Heber-Overgaard, the Buckskin Artist Community offers a serene retreat in a park-like setting surrounded by tall pines. This charming cabin features a beautiful 2-bedroom, 2-bath home with an open loft, showcasing a knotty pine tongue-and-groove vaulted ceiling and walls throughout. The interior boasts peel pole log beams, chalet windows that frame the picturesque views, and a captivating stack stone wood-burning fireplace. The kitchen is equipped with stainless steel appliances and complemented by a kitchen island with counter-height seating. The log façade exterior is elegantly accented with exposed stack stone, while the ¾ wrap-around deck, featuring a screened-in section, invites relaxation amidst nature. An inviting hot tub provides a perfect spot to unwind, and the tastefully landscaped yard enhances the natural beauty. For convenience, there's a single-car attached garage with storage cabinets and a detached 1456 sq. ft. two-car garage with a workshop. Additionally, a 448 sq. ft. carport offers covered RV storage with an electric hookup. With a nominal HOA fee of $325 per year covering water and road maintenance, this property is ideally located near local services and national forest trails. Generator and firewood do not convey.

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3200 N 39th Street Unit 33 Phoenix, AZ 85018

$724,900

4 Beds

2.5 Baths

2,124 SqFt

Status Active

MLS # 6772932

Property Type Townhouse

Price Type --

Discover this stunning townhome located in the sought-after 85018 Arcadia zip code! This beautiful model home comes fully furnished, featuring stylish decor throughout. It has been lightly used, with the current resident primarily based in California. Upon entry, you'll find a convenient drop space for shoes, coats, and bags. The kitchen is a chef's dream, equipped with built-in Bosch appliances, quartz countertops, a chic backsplash, and built-in trash bins. The inviting living area offers abundant custom storage and opens to a beautifully paved patio through two sets of doors. Upstairs, you'll find a custom-built desk area and four spacious bedrooms, each uniquely designed by a professional. The master suite boasts elegant berber carpeting, custom finishes, a walk-in shower, a separate toilet, double sinks, and a generous walk-in closet. The community features a heated pool and spa, a small gated dog park, and is securely gated for your peace of mind.

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6272 E 16th Avenue Apache Junction, AZ 85119

$724,900

3 Beds

2 Baths

1,608 SqFt

Status Active

MLS # 6741475

Property Type Single Family Residence

Price Type --

Charming Desert Retreat with Stunning Superstition Mountain Views Nestled in the heart of the picturesque desert landscape, this exquisite property offers unparalleled views of the majestic Superstition Mountains. This home seamlessly blends comfort, style, and functionality, making it an ideal retreat for those seeking both luxury and the great outdoors. Key Features: Bedrooms: 3 spacious bedrooms providing ample space for relaxation and privacy. Additional Room: A versatile den/office, perfect for remote work or a cozy reading nook. Garages: A 4-car garage plus an additional RV garage, catering to all your storage and vehicle needs. Pool: A beautiful pool with panoramic mountain views, offering a serene and private oasis. Horse Property: Ideal for equestrian enthusiasts, providing ample space and facilities for horses. This property combines modern amenities with breathtaking natural beauty, making it a unique and highly desirable home. Whether you're enjoying a swim with a view, working from your den, or taking in the serene mountain vistas, this home promises a lifestyle of tranquility and luxury.

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21 Hummingbird Circle Sedona, AZ 86336

$724,900

2 Beds

2 Baths

1,653 SqFt

Status Active

MLS # 6759448

Property Type Single Family Residence

Price Type --

Discover this diamond in the rough, nestled in the coveted Chapel area of Sedona! Situated on a tranquil .31-acre lot at the end of a quiet cul-de-sac, this 1653 sq ft, 2-bedroom, 2-bathroom home offers immense potential as a peaceful retreat with magnificent red rock views. Light-filled and move-in ready, the home features easy-to-maintain tile floors, gas heating, evaporative cooling, and an irrigation system for the lush landscaping that surrounds the property. The fully fenced backyard is a private oasis with mature trees, abundant patios, and ample space for outdoor living—perfect for year-round enjoyment. Picture yourself relaxing in a jacuzzi, with the stunning sunset over Cathedral Rock as your backdrop. The spacious master bedroom includes a cozy fireplace, a walk-in closet, and opens into a bright sunroom with French doors that showcase breathtaking views. A separate room provides the ideal space for a private office or den, while the in-law setup adds versatility to the home. This property is a true hidden gem, offering the perfect blend of tranquility and potential for those looking to add their personal touch. With a bit of polish, this energy-efficient sanctuary could become a stunning Sedona treasure. Don't miss the opportunity to make this unique property your own!

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29449 N 130th Drive Peoria, AZ 85383

$724,900

3 Beds

2 Baths

2,111 SqFt

Status Active

MLS # 6745133

Property Type Single Family Residence

Price Type --

The search is finally over! This charming home features a 2-car garage, paver driveway, striking stone facade, and low-maintenance desert landscape. Venture into a living room with high ceilings, clerestory windows, a neutral palette, tile flooring, and a cozy fireplace. The kitchen comes with granite counters, plentiful wood cabinetry, recessed lighting, built-in appliances, a walk-in pantry, and a large island with a breakfast bar. The spacious main bedroom offers an ensuite with dual vanities, patio access, and his and hers closets. You'll also find a casita with separate access, perfect for visiting loved ones, game room, hobby room, or office. The backyard boasts a covered patio, an exterior fireplace, a built-in BBQ, and a sparkling pool. Make this gem yours today!

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6020 N 81st Place Scottsdale, AZ 85250

$724,900

3 Beds

2 Baths

1,831 SqFt

Status Active

MLS # 6754205

Property Type Single Family Residence

Price Type --

WOW..LOCATION, NO HOA, 1 LEVEL, DETATCHED w/PRIVATE POOL & YARD, walking & biking distance to Old Town, Chaparral Park/Dog Park and so much more! 5K Seller Concessions for buyer's rate BD & Escrow fees. This RARE GEM incl; 3 bedrms. 2 baths, Lrg. Great Rm. w/Fireplace & HUGE Dining area. Kitchen incl; Rich wood tone cabinetry, granite countertops, stainless steel appliances. Mstr. Bedrm. w/walk-in closet, separate exit to pool/backyard and ensuite with Double Sink Vanity, Tub/Shower. 1 of the 2 additional bedrooms incl; access to backyard & pool area perfect for guests. Updates incl; New Interior/Exterior Paint including garage w/Epoxy Flooring, Carpet just recently replaced in Mstr. Bedrm. & Great Rm. Ironworks Security Doors at Entrance, AC unit within the last 5 yrs. and more!

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3731 E Fruitvale Avenue Gilbert, AZ 85297

$724,900

4 Beds

2.5 Baths

3,070 SqFt

Status Active

MLS # 6760592

Property Type Single Family Residence

Price Type --

Welcome to this stunning 4 bed, 2.5 bath two-story home in the highly sought-after Coronado Ranch community. This 3,070 sq ft property offers a spacious layout featuring a kitchen with granite countertops, a 3-car garage, and a covered patio perfect for outdoor enjoyment. The backyard boasts a pool, spa, and built-in BBQ with beautiful views of the adjacent greenbelt and walking paths. Enjoy nearby community parks & splash pad, A+ rated schools, and convenient access to shopping & dining. Gilbert Regional Park is nearby featuring concerts, play areas, pickleball, and more! Come see it today!

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9780 W Vista Bonito Drive Casa Grande, AZ 85194

$724,900

5 Beds

3.5 Baths

2,991 SqFt

Status Active Under Contract

MLS # 6608564

Property Type Single Family Residence

Price Type --

This beautiful custom home sits on over 2 acres nestled in the highly desired neighborhood of Las Montanas. Key highlights include: high-end tile throughout, 5 bedrooms, 3.5 bathrooms, large granite kitchen island, pendant lighting and knotty alder doors. The possibilities are endless on this huge lot with mountain views from every corner.

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