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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7120 E Kierland Boulevard Unit 412 Scottsdale, AZ 85254

$710,000

1 Bed

1 Bath

727 SqFt

Status Active Under Contract

MLS # 6722977

Property Type Apartment

Price Type --

Rare West-facing 1 bed, 1 bath on 71st St offers picturesque views and privacy with impressive upgrades including: Motorized Shades, Italian crafted cabinetry, Bosch appliances, Kohler fixtures, Reverse Osmosis, Granite Counters, 9FT floor to ceiling glass windows, 125 SQ FT covered patio with gas stub. Includes secure Garage Parking Space with EV Charger. Come live the Ultimate Urban Luxury Lifestyle at Optima Kierland. Resort style living at its finest with world class amenities including fitness center, yoga studio, steam rooms, spas, cold plunge, basketball, pickle ball & squash courts. Massage, party/theatre room, 25yd heated & cooled Skydeck pool, towel service, table tennis, golf simulator, fire pits, BBQs, bocce ball, pool table and doggie park. It doesnt get any better than this!

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1572 W Chicago Street Chandler, AZ 85224

$710,000

4 Beds

2 Baths

2,313 SqFt

Status Active Under Contract

MLS # 6753393

Property Type Single Family Residence

Price Type --

Price Reduced! Come home to your own resort, located in the heart of Chandler. Minutes from the 101, 202 and the US60, 20 min drive to either airport,& less than 2 miles to Chandler Mall or Downtown Chandler. Walking distance to Chandler YMCA. local grocery stores, Chandler Regional Hospital blocks away, many medical offices, all major employers in Chandler. This great family 4 bedroom, 2 bath home, sits on the largest lot in the subdivision, and has been lovingly remodeled by the same licensed Master Craftsman on all projects. The attention to detail is obvious throughout. The kitchen remodeled Jan. 2023 and boasts New Custom Cabinets with soft close drawers/doors. Pull out shelves in lower cabinets. Butcher Block Island Counter Top with Quartz Countertops on rest. SEE MORE..... A fully permitted 413 sq ft great room is a fantastic addition to your entertainment areas and Double Glass French Doors opens onto a very expansive patio and pool deck with fenced in pebble tec pool/spa resurfaced 2022. The large lot wraps around the home features a citrus orchard with lemon, two kinds of orange and grapefruit trees. Smaller patios off the family room and the Master bedroom add to your outdoor living experience. For pet owners the addition of a doggy wash/potting station with Hot and Cold running water is a must! Lot is landscaped with flowering trees, shrubs and palms, creating a secret garden for your enjoyment. Located on a cul de sac lot with only one story homes as your neighbors, gives you the privacy you crave. Many improvements recently! See Attached Improvements/Remodeled and Does not Convey List in Documents Tab. Installed new roof and fresh interior paint through out July 2024. Become only the third owner of this much-loved home. It won't last long!

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9324 W Coolidge Street Phoenix, AZ 85037

$709,999

6 Beds

6.5 Baths

3,949 SqFt

Status Active

MLS # 6729765

Property Type Single Family Residence

Price Type --

Welcome to your upgraded and spacious dream home, boasting 6 bedrooms and 6.5 bathrooms. This property is currently a successful Airbnb, offering an incredible investment opportunity. **Key Features:** - **Newly Renovated Kitchen:** Enjoy cooking in a gourmet chef's kitchen with brand new appliances, granite counters, and an oversized granite island. - **Modern Flooring:** Brand new tiled flooring throughout the home, providing a sleek and contemporary feel. - **En Suite Bathrooms:** Each bedroom comes with its own dedicated en suite bathroom, ensuring privacy and convenience for all residents. One bedroom even includes a living room, making it perfect for guests or extended family. - **Main Bedroom:** The main bedroom, located on the first floor, features an en suite bathroom for easy accessibility. - **Outdoor Oasis:** The backyard is newly paved with turf, creating a low-maintenance and water-conscious space. The upstairs balcony, which can be accessed from two bedrooms, has been newly renovated, offering a great place to relax and enjoy the views. - **Recent Upgrades:** The home has a brand new roof and was painted in 2022. Fresh paint inside and out ensures a move-in-ready experience. - **Prime Location:** Located just five minutes from the State Farm Stadium and the new hotels being built in Glendale, this home is perfectly positioned to generate consistent Airbnb income. - **Eco-Friendly Yard:** The backyard is equipped with a new irrigation system, trees, and pavers, making it both beautiful and environmentally friendly.

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15156 W Las Brizas Lane Sun City West, AZ 85375

$709,999

3 Beds

2.5 Baths

2,265 SqFt

Status Active

MLS # 6757906

Property Type Single Family Residence

Price Type --

Welcome to your dream home in Sun City West! This stunning 3-bedroom, 2.5-bathroom residence with a den is a true gem, perfectly situated on the 6th hole of the Desert Trails Golf Course. With over $140,000 in upgrades, this propenerty seamlessly combines luxury and comfort. Enjoy PAID OFF SOLAR!!! in addition! Bills average $13 a month year round. Step through the brand new 8ft iron door and into a world of sophistication, where you'll find a gourmet kitchen featuring exquisite granite countertops, premium gas cook top and modern appliances, perfect for culinary enthusiasts. All bathrooms have been thoughtfully remodeled, showcasing stylish finishes and fixtures that elevate everyday living. The home is even equipped with automated rolling safety shutters. The roof was replaced in 2021, and with 51 owned solar panels, your average summer electricity bill is an incredible $15, making this home energy-efficient and cost-effective. Offering spacious living areas, this home includes three generously sized bedrooms plus a den, ideal for a home office or additional guest space. The 2-car garage comes equipped with an additional stall designed specifically for a golf cart, ensuring convenience for golf lovers. Enjoy breathtaking views of the golf course while relaxing in your oversized backyard patio, creating an outdoor oasis for entertaining or unwinding. This property is not just a home; it's a lifestyle, whether you want to relax with your steam shower in the primary bath or enjoy the evening on your oversized 25 x 31 patio. You have access to top-notch amenities, recreational opportunities, and a vibrant community. Don't miss out on this exquisite home! Schedule your private tour today and experience the luxury and tranquility this property has to offer!

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6937 E Palm Lane Scottsdale, AZ 85257

$709,900

3 Beds

2 Baths

1,715 SqFt

Status Active

MLS # 6759218

Property Type Single Family Residence

Price Type --

Great South Scottsdale Location! Minutes to Old Town Scottsdale, Papago Park,the Desert Botanical Garden and close to all freeways. Charming remodeled home with a large open kitchen with granite countertops and lots of cabinets! Newer tile ,windows, Interior/Exterior paint, plumbing and lighting fixtures. Large Pantry and laundry room. Remodeled primary bathroom has double vanity and a spacious shower with a Rain-head. Large Grassy backyard ,great for entertaining! Washer, Dryer and refrigerator included. The two car garage completes this wonderful home!

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3131 N Central Avenue Unit 6012 Phoenix, AZ 85012

Open House

$709,900

2 Beds

2 Baths

1,419 SqFt

Status Active

MLS # 6607993

Property Type Apartment

Price Type --

*Construction Completed* 5% BUYER INCENTIVE! Introducing Edison Midtown Phase 2 with 60 new construction condominiums. This spacious two bedroom plus den condo is one of the larger two bedroom floor plans and offers ten ft. ceilings, an open floor plan, and large master bedroom with ensuite bathroom. Chefs kitchen offers expansive cabinetry, quartz countertops and stainless steel appliances including a gas range. Spacious balcony to capture the amazing views while outside as well. Edison Midtown features incredible amenities for that perfect Urbanite lifestyle. A beautiful pool and lap pool, 2000 sq. ft. fitness center and lounge, and gated parking garage.

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11040 E Tumbleweed Avenue Mesa, AZ 85212

$709,500

4 Beds

3.5 Baths

3,155 SqFt

Status Active

MLS # 6751775

Property Type Single Family Residence

Price Type --

Discover this stunning 4-bedroom, 3.5-bath home on a premium lot in the vibrant Bella Via community, adjacent to Eastmark, and just minutes from the Mesa Gateway area, home to innovative businesses, schools, retail, and dining. Featuring a 3-car tandem garage with a dedicated storage room, this home offers versatility with a den that easily converts to a 5th bedroom and a loft bonus space perfect as a second living room. Enjoy an outdoor oasis with a private saltwater pool, and travertine patio. Inside, experience functional elegance with contemporary finishes throughout. Steps away from a park with playground and splash pad, this home blends luxury with family-friendly amenities and scenic mountain views.

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9462 E Mogollon Trail Gold Canyon, AZ 85118

$709,000

3 Beds

2.5 Baths

2,082 SqFt

Status Active

MLS # 6734327

Property Type Single Family Residence

Price Type --

Welcome to this Exceptional Custom Home. This New Custom Build is exclusive in Gold Canyon and located on the last lot in Hermosa Hills. Home features a Spacious Layout, 2x6 Exterior Frame Construction, Urethane Foam, Exterior Stone, Trane HVAC, Fireplace, Electric Car Charging Station, Nest Thermostats, Waterfall Island, Quartz Countertops, Kitchen Island, Custom Tile Showers, Epoxy Garage and so much more. Home is near Dinosaur Mountain, Hiking Trails, Shops, and Golf Courses. Completion November 2024.

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3576 E Lawndale Place Queen Creek, AZ 85142

$709,000

4 Beds

2 Baths

2,431 SqFt

Status Active

MLS # 6751537

Property Type Single Family Residence

Price Type --

Nestled in the tranquil landscape of Queen Creek, AZ, this stunning residence offers boundless mountain views on a sprawling property of over one acre, suitable for horses. It features four large bedrooms and two contemporary bathrooms, with significant upgrades such as new roofing and flooring. The charm of the home is enhanced by its freshly painted exterior. A versatile workshop/garage on the property is ideal for a range of projects or storage. With no HOA restrictions! This home is an ideal choice for those in search of peace and space.

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8823 W Wagon Wheel Drive Glendale, AZ 85305

$709,000

5 Beds

4 Baths

3,841 SqFt

Status Active

MLS # 6773169

Property Type Single Family Residence

Price Type --

Just minutes from Westgate entertainment district is everything you've been looking for! This 5 bedroom home in Rover Park showcases an excellent curb appeal, a 3 car garage, and a paver driveway/entryway. The impeccable interior boasts a highly desirable open layout with tall ceilings, plush carpet, ceramic tile flooring, contemporary light fixtures/ceiling fans, and a front room ideal for a formal dining or living room. The sophisticated chef's kitchen features ample white cabinets, contrasting black hardware & granite counters, a waterfall island with breakfast bar, and high-end SS appliances that include a gas cooktop & a double wall oven. Multigenerational suite on the main level with its own private living and bedroom space. The large loft upstairs is a perfect game/TV room spot. The oversized owner's suite hosts an attached den/sitting room and an immaculate ensuite bathroom with a large dual vanity, a soaking tub, a step-in shower, and a walk-in closet. The expansive backyard offers a blank canvas with endless potential to be a desert oasis, with room for a pool that'll make it an entertainer's dream. Great location! Steps away from one of the many community playgrounds, close to schools, main roads, and the Westgate entertainment district. Hurry, a deal like this won't last!

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3448 N Boulder Canyon Circle Mesa, AZ 85207

$709,000

3 Beds

2 Baths

2,325 SqFt

Status Active

MLS # 6696321

Property Type Single Family Residence

Price Type --

This is your slice of paradise nestled on a beautifully landscaped culdesac with only 1 neighbor for backyard privacy. Stunning single level home with 3 BRs and an exercise/office room that has AC/heat & closet with outside & garage access. Popular Desert Willow model has an eat in kitchen with an extensive addition of cabinets, breakfast bar peninsula overlooking a large great room. Soaring ceilings. Huge primary suite with direct access to the backyard/pool. 2 generous sized guest rooms. All new wood look tile, carpet and baseboards in 2023. New outside paint in 2024. Easy care yard with new irrigation lines in front & back. Backyard built in barbecue, sun patio, covered patio, flagstone decking around a sparkling heated play pool with peaceful waterfall. Beautiful desert landscaping.

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20669 E Via Del Jardin -- Queen Creek, AZ 85142

$707,598

4 Beds

3 Baths

2,309 SqFt

Status Active

MLS # 6762140

Property Type Single Family Residence

Price Type --

MLS#6762140 January Completion! The Cambridge at Ellsworth Landmark is a spacious single-story floor plan offering 2,309 sq. ft. of living space, including 4 bedrooms, 3 bathrooms, a 3-car tandem garage, and a dedicated study. A welcoming porch leads into the home, where the foyer guides you down a hall with secondary bedrooms and two full bathrooms on one side, and the study and laundry room on the other. The heart of the home features a gourmet kitchen with an upgraded gas double oven, soft-close cabinetry, quartz countertops, and a stainless steel refrigerator, seamlessly flowing into the great room and dining area. This space extends to an outdoor living area, perfect for entertaining guests. Structural options include: side by side stainless steel refrigerator, paver front porch, garage service door, gas double oven, super shower at primary bathroom, tray ceiling at foyer and gathering room, tankless water heater, upgraded insulation, pre plumb for future utility sink, and gas line for future outdoor kitchen.

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