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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24815 N 106th Drive Peoria, AZ 85383

$705,000

4 Beds

3 Baths

2,725 SqFt

Status Active Under Contract

MLS # 6736237

Property Type Single Family Residence

Price Type --

A beautiful 4 bed, 3 bath residence in Tierra Del Rio is now on the market! Nestled on a premium cul-de-sac corner lot and featuring a 3 car tandem garage, low-care front yard, and an RV gate, it's sure to be the home for you! SOLAR for savings. Discover a spacious open floor plan w/elegant wood-look flooring, dazzling light fixtures, and trending palette throughout. The chef's kitchen is comprised of espresso cabinetry w/crown moulding, a pantry, granite counters, stylish backsplash, stainless steel appliances, and an island complete w/a breakfast bar. Upstairs you'll find a cozy loft w/soft carpet, where you can spend a relaxing Sunday afternoon! The primary bedroom boasts a walk-in closet and a private ensuite w/dual sinks. Don't forget about the cozy open den, ideal for a lounge area. Finally, the expansive backyard includes a covered patio, natural turf, pavers, a lovely pergola, and a fenced pool! What are you waiting for? Act now!

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7530 W Honeysuckle Drive Peoria, AZ 85383

New

$704,990

4 Beds

3 Baths

2,375 SqFt

Status Active

MLS # 6783394

Property Type Single Family Residence

Price Type --

Special Financing Available!!!!!!!!!!! This single-story home features a central open design with patio access for easy living and entertaining. The luxe owner's suite is situated toward the back for privacy, while the secondary bedrooms feature toward the entrance—one of which boasts a separate flex space perfect for independent residents. A 3-car garage provides additional storage space.

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10789 W Yearling Road Peoria, AZ 85383

$704,900

5 Beds

4 Baths

2,909 SqFt

Status Active

MLS # 6718312

Property Type Single Family Residence

Price Type --

Welcome to your dream home in Peoria! This stunning 2,909 square foot residence offers a perfect blend of elegance and functionality. Step inside to be greeted by soaring vaulted ceilings, tile floors, and beautiful granite countertops, enhancing the spacious and modern feel of this home. With five generously sized bedrooms, an office, and a loft, there is plenty of room for everyone. Including a secondary bedroom and full bath on the ground floor, perfect for guests! Outside, the backyard oasis features a sparkling pool and low-maintenance artificial turf, ideal for relaxation and entertaining. The property also boasts solar panels, making it both eco-friendly and cost-efficient. Backing up to a serene wash and with only one neighboring house, this home offers exceptional privacy. paved covered patio or hangout on the grass lawn before cooling off in the large pool that includes a basketball hoop for lots fun! This home also includes leased solar. This property is also a short drive from plenty of restaurants, activities, grocery stores, shopping and golf courses. This property will go fast!

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21715 E Bonanza Way Queen Creek, AZ 85142

$702,995

3 Beds

3 Baths

2,630 SqFt

Status Active

MLS # 6706593

Property Type Single Family Residence

Price Type --

Welcome to Light Sky Ranch! Ease and elegant design blend beautifully in the ranch-style Pomona plan. An inviting great room is at the heart of the open layout, adjacent to a dining nook and a kitchen showcasing a gourmet kitchen, large pantry and a center island. The impressive owner's suite offers a walk-in closet and a private bath with double vanities and an elegant walk-in shower. An additional bedroom with a full bath, and a central study. An extensive Guest Suitewith a private entrance rounds out the floor plan. Outside, a covered patio, a 2-car garage and a 1-car side-turn garage offers ample storage for vehicles, outdoor gear, and more. With amenities such as a tankless water heater for efficiency and a charming paver driveway, this home seamlessly blends convenience with sophistication

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21665 E Roundup Way Queen Creek, AZ 85142

$701,995

3 Beds

2.5 Baths

2,890 SqFt

Status Active

MLS # 6702773

Property Type Single Family Residence

Price Type --

Welcome to Light Sky Ranch and the Pearce plan boasts a smartly designed layout, with the main floor featuring a spacious great room and an eye-catching kitchen with a built-in pantry, center island and adjacent dining room with covered patio access. A powder room, flex room with storage space and a mudroom provide added convenience. The second floor offers a laundry room, a large loft and three bedrooms, including a relaxing primary suite with a private bath and expansive walk-in closet. In addition to a 2-car garage, you'll also love the possibilities that come with a 40' attached RV garage! Options include the gourmet kitchen feature and deluxe master bathroom upgrades. With additional amenities like a tankless water heater for efficiency and a charming paver driveway, this home harmoniously blends convenience and sophistication.

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13528 W Phacelia Lane Peoria, AZ 85383

$701,412

3 Beds

2.5 Baths

2,668 SqFt

Status Active

MLS # 6740310

Property Type Single Family Residence

Price Type --

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35571 N Tonto Road San Tan Valley, AZ 85144

$700,900

5 Beds

3.5 Baths

3,204 SqFt

Status Active

MLS # 6666033

Property Type Single Family Residence

Price Type --

Beautifully Landscaped Master Planned Community by Fulton Homes. Located within minutes of major shopping, restaurants, and freeways. Promenade is at the base of the San Tan Mountains. There are Six Parks throughout the community, one of which is an Aquatic Center with a 7,400 square foot pool. Full basketball and sand volley ball courts. Bocce ball court, pickle ball court, and corn hole are available. Ramada's, Tot Lots, BBQ's, an entry waterfall, and acres of landscaped and grass areas make Promenade your Oasis in the Desert. We look forward to meeting you soon.

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13312 S 331st Avenue Arlington, AZ 85322

$700,000

2 Beds

1 Bath

973 SqFt

Status Active

MLS # 6717388

Property Type Single Family Residence

Price Type --

Charming 2-bedroom residence in Arlington is now for sale! Nestled on an oversized 2.9-acre lot with a corral for horse keeping, this is sure to be the home for you! Inside, you'll find perfect-sized living and dining areas. The large kitchen provides a breakfast bar. Both bedrooms have closets for convenience. Don't miss the spacious Arizona room, ideal for hosting lively gatherings without worrying about the weather. This fully fenced property offers carport parking, stalls, and storage sheds. What are you waiting for? Act now!

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6504 N 14th Place Phoenix, AZ 85014

$700,000

4 Beds

2.5 Baths

2,046 SqFt

Status Active

MLS # 6780594

Property Type Single Family Residence

Price Type --

Gorgeous, extensively remodeled four bedroom home located in the heart of North Central Phoenix! This immaculate residence has been completely upgraded with stylish, high-quality finishes throughout. Step inside to find soaring ceilings, elegant wood-look tile flooring, and abundant natural light that flows through every room. Thoughtful touches like plant shelving, recessed lighting, and custom plantation shutters add to the charm.The spacious eat-in kitchen is perfect for entertaining, featuring quartz countertops, stainless steel appliances, a beautiful tile backsplash, and a large island with breakfast bar. The sunny primary retreat offers a private ensuite with stunning park-like views to the West, custom quartzite countertops, a walk-in shower, and a generous walk-in closet. Over the past four years, nearly every surface has been upgraded. The home includes a Samsung washer, dryer, stove, microwave, refrigerator, and dishwasher, as well as new tile flooring throughout. Custom steel security doors, new baseboards, recessed lighting fixtures, and fresh paint inside and out. Additional features include new Pella energy-efficient windows in 2024, ceiling fans in every room, custom cabinetry in the garage, new AC and tankless water heater in 2022, and epoxy garage flooring. Outside, the home boasts artificial turf, updated landscaping with lighting, and stucco wall exterior fencing for a low-maintenance, polished look. The community offers a sparkling pool, spa, green spaces, and is located in an ideal North Central Phoenix neighborhood, close to the 51, Biltmore, Arcadia, and a wide variety of shopping, dining, and nightlife. Located in the highly regarded Madison School District, with beautiful sunset views among mature trees, this home provides the perfect blend of luxury and convenience. This exceptional home won't last long, sodon't miss your chance to experience it for yourself!

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4335 E Clifton Avenue Gilbert, AZ 85295

$700,000

3 Beds

3 Baths

1,891 SqFt

Status Active

MLS # 6780303

Property Type Single Family Residence

Price Type --

This home has it all—modern upgrades, energy efficiency, and exceptional style. It looks and feels like a model home! When it was built, the sellers put a lot of thought into the energy features and the aesthetics. ($90K in upgrades with the builder) Step inside to a spacious great room with a 16-foot atrium glass door filling the space with natural light and leading to an incredible backyard oasis. The upgraded gourmet kitchen is a chef's dream, featuring luxurious split-color cabinets, quartz countertops, and GE matte black cafe appliances, adding both elegance and functionality. The large island, farm sink, and pantry ensure you have everything you need to entertain in style. Tray ceilings elevate the main living areas, adding architectural interest throughout. The master bath is designed for relaxation, featuring an upgraded shower, dual sinks, and tasteful finishes. Plantation shutters offer timeless charm and privacy, while the DuPure reverse osmosis water filtration system and tankless water heater provide convenience and efficiency. Window throughout are dual-pane Low-E for comfort and savings, complemented by an energy-efficient SEER 16 A/C unit. The outdoor space is a showstopper. The backyard was thoughtfully designed just two years ago with a $100,000 investment in a pool with in-floor cleaners, artificial turf, and pavers. A covered patio offers shade, making this low-maintenance backyard perfect for relaxation and gatherings. This exceptional property is a must-see to fully appreciate all its premium features!

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19312 W Colter Street Litchfield Park, AZ 85340

New

$700,000

4 Beds

2.5 Baths

2,830 SqFt

Status Active

MLS # 6781944

Property Type Single Family Residence

Price Type --

Introducing a METICULOUSLY MAINTAINED Shea Homes masterpiece with the most breathtaking backyard retreat revamped in 2017 with unobstructed MOUNTAIN VIEWS capturing dreamy sunsets year-round! This resort style oasis is equipped with a NEW PEBBLE TEC HEATED POOL and SPA with fountain and overspill, plus new pool equipment all in 2017 and pool heater installed in 2023! Note the double French doors to the covered patio, pergola, inviting built in gas grill and bar with convenient sink, custom professional pavers, palm trees, plants and landscape lighting all added in 2017. This spacious 4-bedroom residence PLUS office with OPPORTUNITY FOR 5TH BEDROOM, features a thoughtful SPLIT STYLE FLOOR PLAN, perfectly crafted for comfort and functionality. Home had NEW EXTERIOR PAINT in 2024 and fresh interior paint in 2021, new AC unit in 2023, new hot water tank in 2018. Reach out for our Upgrades and Features document to see all the improvements and pride of ownership! The 10 ft ceilings, oversized doors, crown moulding paired with an open concept chef's kitchen fully loaded with oversized island, 2.5'' granite countertops, 42'' cabinetry running the full length of the wall, built in stainless steel appliances, REVERSE OSMOSIS water purification system and a walk in pantry. Massive homeowner's suite with his/her vanities AND walk in closets, soaking tub and walk in shower. Enjoy low electric bills with SOLAR PANELS already installed in 2017 and TWO GARAGES! The air-conditioned 3-CAR tandem garage, plus the separate single car garage is a dream for projects as a workshop, for car lovers, or extra storage. Appreciate the longer driveway and additional street parking plus NO NEIGHBORS IN FRONT, allowing privacy and spectacular, unobstructed MOUNTAIN VIEWS. Designed with refined luxury and privacy in mind, this gently lived in home is an absolute rarity and the ultimate retreat! Come see for yourself!

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8361 E Via De Viva -- Scottsdale, AZ 85258

$700,000

2 Beds

2 Baths

1,987 SqFt

Status Active

MLS # 6705758

Property Type Townhouse

Price Type --

McCormick Ranch single story townhome in PRIME Del Norte Gardens subdivision complete with community pool, tennis/pickleball and plenty of greenbelts throughout the Ranch. This home has been lovingly cared for and presents in a true Arizona Southwest fashion with custom hand painted tiles, saltillo flooring in main areas, wonderful covered patio spaces. A perfect lock and leave winter retreat. Updates include: AC (2022), water heater (2016), roof (2017). Enjoy the McCormick Ranch lifestyle!

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