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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21 E 6th Street Unit 315 Tempe, AZ 85281

$699,500

2 Beds

2 Baths

1,836 SqFt

Status Active

MLS # 6678002

Property Type Apartment

Price Type --

Here is a rare opportunity for any future urban dweller. One of only a few of the highly sought after Corner Lofts, this loft offers 2 Bedrooms, 2 Bathrooms, plus Den in 1,836 s.f. of space with 11ft Ceilings! This Artist Loft at the Orchidhouse boasts amazing views of Mill Avenue and offers tons of SUNLIGHT from its expansive 3rd floor shuttered windows. Includes wood floors, custom lighting and custom kitchen island and buffet. Also includes washer/dryer. Absolutely perfect for entrepreneurs looking for a LIVE / WORK zoned flex space or for any urbanite searching for their very own home in the modern world! Enjoy Mill Avenue's shopping, dining, and the Metro light rail, Mill Ave Streetcar, Whole Foods Market, ASU and all of Downtown Tempe's entertainment right out your front door!

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1005 Studebaker Way Prescott, AZ 86301

$699,500

3 Beds

2 Baths

2,282 SqFt

Status Active

MLS # 6708468

Property Type Single Family Residence

Price Type --

Situated in the highly desirable Yavapai Hills, this beautiful home boasts outstanding curb appeal and a private, park-like backyard oasis. Upon entering, you're greeted by a formal dining/sitting room just off the foyer. The kitchen features wood-grain cabinetry, a stainless-steel appliance suite with a 5-burner gas range and double oven, rich granite counters, pantry, informal dining area and a breakfast bar. The great room highlights a floor-to-ceiling stack stone fireplace with a custom granite hearth, lush carpeting and abundant recessed lighting. The spacious master suite offers dedicated access to the rear patio and entrance to the incredible backyard sanctuary. The spa-like master bathroom includes double closets, large soaking tub, double basin granite vanity and walk-in shower. Off the great room and kitchen, there is a beautiful extra retreat, reminiscent of an Arizona room. This heated and cooled living space, with skylights, is perfect for relaxation. The guest bedroom wing hallway features a solar tube for added natural light and leads to two generously sized bedrooms, each with beautiful custom ceiling fans. They share a spacious bathroom, and adjacent is the laundry room equipped with a front-load LG washer and dryer on pedestals, a utility sink, and upper storage cabinetry. The backyard is a true masterpiece, with an expanded paver patio, a pergola-covered area, hot tub, and artificial turf. The fully fenced yard, a rarity for the subdivision, includes mature towering pine trees, both deciduous and evergreen plants, and raised flower beds. A beautiful waterfall feature serves as the focal point of the backyard, with raised, elevated seating areas for the ultimate view and relaxation. The property line extends well beyond the existing fence, adding to the sense of space. The front of the home features stack stone accents and mature foliage, while the security screen at the front door ensures peace of mind. Additional features of this property include a drip system and irrigation, a new roof, raised panel interior doors throughout, tile in the formal and informal dining areas, kitchen and an attached 2-car garage. Assumable VA financing available for qualified veterans!

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1782 W Oriole Way Chandler, AZ 85286

$699,500

4 Beds

3 Baths

2,572 SqFt

Status Active

MLS # 6770055

Property Type Single Family Residence

Price Type --

AMAZING alert! Situated on one of the LARGEST lots in the highly sought-after Clemente Ranch community, this stunning property offers the perfect blend of space and privacy. Nestled on a quiet cul-de-sac, this home has all the good stuff! A sparkling diving pool, perfect for Arizona summers, RV gate with generous concrete slab for easy access and storage and lots of room for gatherings with friends and family! Inside, you'll find an open floor plan with bright, spacious living areas ideal for entertaining. The kitchen features a breakfast nook, granite counters and a butcher block island, flowing seamlessly into the family room. The generous primary suite offers a pool view with large walk-in double closet. BONUS ROOM for office/playroom/workout room! Assumable VA loan possible (2.75%). Step outside to your expansive backyard oasis, where there's plenty of room for outdoor fun, gardening, or relaxing by the pool. With its prime location close to top-rated schools, parks, shopping, and dining, this home has everything you need for the ultimate Arizona lifestyle! Don't miss this rare opportunity to own one of the best lots in Clemente Ranch!

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29869 Feather Mountain 13ac -- Paulden, AZ 86334

$699,000

3 Beds

2 Baths

1,754 SqFt

Status Active

MLS # 6749447

Property Type Single Family Residence

Price Type --

Welcome to your own slice of paradise! Breathtaking views from this amazing home nestled on 13.43 acres of pristine land yards from the Prescott National Forest. Open and split floorplan, this home features 3 bed and 2 full baths. The living room boasts a gorgeous wood burning fireplace and vaulted ceilings. Bright and neutral kitchen with large island, ample cabinet space, and solid surface countertops. Retreat to the primary suite complete with a spacious bath, sitting area, and massive closet. Additional bedrooms offer comfort and privacy for family and guests. 3 car attached (31'x23') garage AND 4 car attached RV garage (19'.6''x45'.10'') with 16' ceiling. RV garage includes 1/2 bath and workshop area. Enjoy the endless views from the hot tub located on the deck. Strong 12+gpm well

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Show Low AZ 85901

$699,000

4 Beds

3 Baths

1,760 SqFt

Status Active

MLS # 6759620

Property Type Single Family Residence

Price Type --

Brand New & Gorgeous! ''One Of Kind.'' You will love the Open Post & Beams, T & G in GR & double vaulted tray ceilings in all bd rms, Flex Rm/4th bd rm, Quartz Countertops, stone gas FP, Luxury Vinyl Flooring, Butler Pantry, Custom Cabinetry, Trex decking, Smart Siding, Paver driveway & list goes on!

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45072 N St Hwy 188 -- Tonto Basin, AZ 85553

$699,000

4 Beds

1 Bath

2,184 SqFt

Status Active

MLS # 6777191

Property Type Single Family Residence

Price Type --

Versatile property with residential and commercial potential, located 10 miles from Arizona's largest interior lake on Highway 188. This prime build-to-suit site, positioned on the main access to Lake Roosevelt, includes a 4-bed, 3-bath, 2184 SF single-family home on Parcel 1 (~1.6 acres), with interior finishes included in the price. Additional parcels are available: Parcel 3 (~0.6 acre) has a 608 SF 1-bed, 1-bath efficiency home and RV/carport. Together, Parcels 1 and 3 (~2.6 acres) make an ideal setup for short-term rentals like Airbnb or VRBO. Combining all three parcels (~3.6 acres) offers expanded land and versatility, with potential commercial applications for a live-work setup. Don't miss this rare chance in a high-traffic area near Lake Roosevelt and Tonto National Forest! home (interior unfinished, price includes basic finishes) Additionally available are two other adjacent parcels. Parcel 3 (~0.6 Acre): Includes a 608 SF 1 Bedroom 1 Bath Efficiency Home and a 24' x 48' steel RV/carport. By combining Parcel 1 and Parcel 3 (~2.6 Acres) you will end up with a property perfect for short-term rentals such as Airbnb or VRBO. By combining all three Parcels you will have additional raw land and all the structures bringing the total land area to ~3.6 Acres. Commercial applications are available for the main house as an office or retail building making this a live-work option for savvy business owners. Don't miss this rare opportunity to build or expand in a high-traffic, prime location near Lake Roosevelt and the Tonto National Forest! RV Parking + Carport + Guest house available with purchase of adjacent parcel.

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11246 S 219th Lane Buckeye, AZ 85326

$699,000

4 Beds

3 Baths

2,396 SqFt

Status Active

MLS # 6745493

Property Type Single Family Residence

Price Type --

A brand new 4 bed, 3 bath ranch style home, horse property in Buckeye is now for sale! Nestled on an oversized 1 acre lot, this luxurious 2396 sf home features a 2 car side garage. Inside you will find a spacious dining & living area w/elegant wood-look tile flooring, pre-wired surround sound, and neutral palette throughout. The gorgeous kitchen is comprised of white cabinetry w/granite counters, a pantry, pendant lighting, SS appliances, and an island complete w/a breakfast bar. The primary bedroom boasts a walk-in closet and a private ensuite w/dual sinks & a sliding barn door. PLUS! Attached next generation casita w/private entrance and its very own kitchen! (extra income as a rental) Including a backyard covered patio where you watch the beautiful sunsets. High quality craftsmanship.

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30 E County Road N1022 -- Greer, AZ 85927

$699,000

3 Beds

3 Baths

2,440 SqFt

Status Active

MLS # 6762161

Property Type Single Family Residence

Price Type --

A RARE FIND IN GREER! THIS STUNNING CONTEMPORARY 2440 SF CABIN OFFERS A PERFECT BLEND OF COMFORT, LUXURY & A LOCATION FAR FROM THE HUSTLE BUSTLE. EXPANSIVE VIEWS OF THE GREER VALLEY, ESPECIALLY FROM THE WRAP AROUND DECKS WHICH OFFER SPACES TO ENJOY OUR COOL SUMMERS. THE 4 CAR GARAGE IN THE BASEMENT OF THE MAIN HOME IS A RARITY HERE & ALLOWS PLENTY OF STORAGE FOR ALL YOUR TOYS! ALSO INCLUDES A SEPARATE SINGLE 2 STORY GARAGE NOW BEING USED AS A HORSE BARN. A BEAUTIFUL 1.4 ACRE LOT W/ MANY ASPEN, BLUE SPRUCE & JUNIPER THAT DOT THE LOT. STEPPING INSIDE THE EFFICIENT MUDROOM ENTRY, THE CABIN OPENS UP TO THE CUSTOM & GORGEOUS WOOD BEAMS THROUGHOUT BOTH LEVELS. STUNNING BEAMS W/ MANY WINDOWS & DIFERENT LEVELS FOR SPACIOUS LIVING. COME SEE THE COMFORT & FUNCTIONALITY OF THIS RARE GREER CABIN!

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12315 W Parkway Lane Avondale, AZ 85323

$699,000

5 Beds

4.5 Baths

3,261 SqFt

Status Active

MLS # 6767104

Property Type Single Family Residence

Price Type --

Enjoy light open spaces as well as the best in energy efficiency in this well-appointed home. Soak up Arizona weather on your extended covered patio looking out onto your large backyard. Create memories and new recipes in the gourmet kitchen, complete with a GE stainless appliance, that looks out onto the oversized family room and dining room. The kitchen is an organizer's dream with plenty of cabinet space! This home has space in all the right places with the added bonuses of a retreat, upgraded plank tile and carpeting, gorgeous designer accent tile and much more. 2x6 CONSTRUCTION AND EXTENSIVE NEW HOME WARRANTY.

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E Whitethorn Drive Rio Verde, AZ 85263

$699,000

4 Beds

3 Baths

2,475 SqFt

Status Active

MLS # 6782252

Property Type Single Family Residence

Price Type --

TO BE BUILT Huge Garage located two blocks directly south of Rio Verde Drive on good road. Beautiful surroundings in every direction! NO HOA! Oversized 1044 Sq. Ft. 4 car garage with double 18 ft. doors. N/S exposure with vistas to the mountains and beyond! Bring your horses, toys & more! Tonto National Forest at end of street! Adjoining parcel available for purchase. Possible seller financing available.

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7308 E Solano Drive Scottsdale, AZ 85250

$699,000

3 Beds

2 Baths

2,457 SqFt

Status Active

MLS # 6725429

Property Type Single Family Residence

Price Type --

Welcome to this inviting three-bedroom, two-bathroom home boasting a 10' ceiling in the great room. Enjoy the large covered patio and inviting swimming pool, accessible from the living room, family room, and primary suite. The backyard features low-maintenance artificial turf, ideal for a lock-and-leave lifestyle. You'll love the updated interior panel doors and mahogany front door. The spacious primary suite offers a huge bathroom with double sinks, a separate tub, and a shower. Conveniently located near Scottsdale and Paradise Valley dining, nightclubs, shopping, arts centers, golf courses, spring training fields, hiking and bike trails, parks, and the upcoming Ritz Carlton Resort, with easy access to Loop 101. This retreat is perfect for entertaining and a wonderful place to call home!

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7347 E Casitas Del Rio Drive Scottsdale, AZ 85255

$699,000

3 Beds

2.5 Baths

1,956 SqFt

Status Active

MLS # 6752130

Property Type Townhouse

Price Type --

Finally!! Luxury interior unit in the exclusive community of Silverstone. This upscale executive home fees like it should be in Manhattan or LA with upscale finishes, high ceilings and amazing luxury features found in 2 million $ homes. This is one of those that rarely come on the market and you don't have to do anything to it. It's immaculate and clean and the pride of ownership makes it feel like a new home. The entry to the massive living area is stunning. Oversized island kitchen is adjacent to living area and is fit for a chef and seats at least 4 adults. The private patio off the dining area has a South facing exposure for our friends from the snow country. The oversized master suite is luxurious and welcoming with dual sinks, walk in closet and oversized shower, wow!!

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