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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12451 W Nadine Way Peoria, AZ 85383

$699,000

3 Beds

2 Baths

2,365 SqFt

Status Active

MLS # 6738270

Property Type Single Family Residence

Price Type --

Model home in gated Vistancia Village community next to clubhouse. 3 bedroom with 2 baths and teen room. 3 car garage, Fresh paint, custom built cabinets in living area, wood burning fireplace in backyard, turf in front an backyard.

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18448 E Paseo Verde Drive Rio Verde, AZ 85263

$699,000

3 Beds

2 Baths

2,731 SqFt

Status Active

MLS # 6556128

Property Type Single Family Residence

Price Type --

This is the perfect lock and leave property in the Rio Verde Country Club. This Alexander home has already been updated for you: New A/C units, New Roof with 10-year warranty! Updated kitchen with new Frigidaire appliances and updated bathrooms. High dramatic vaulted ceilings in Great Room and family room make this home feel very spacious. The great room features wooden beams and beautiful views of lush vegetation, flowers and palm trees. Enjoy the elevated wrap around patio with a sunny or shady part at any time of the day, easy to maintain landscaping. South facing patio for warm winter sun in front of the home. The home has a 2.5 car garage and 2 basements which are fully usable.

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16912 W Cielo Grande Avenue Surprise, AZ 85387

$699,000

3 Beds

2.5 Baths

2,585 SqFt

Status Active

MLS # 6654060

Property Type Single Family Residence

Price Type --

ENDLESS POSSIBILITIES w/ 50 ft *climate-controlled* RV GARAGE. Ideas abound: car enthusiast's dream (space for lifts), workshop, game room, exercise studio, a home business, and more! Plus, fully EPOXIED including the adjacent 3-car tandem garage. This 3-Bed/2.5-Bath CORNER LOT Asante home boasts a split floorplan and includes Detailed Upgrades that complement flexible living with inviting entryways to the home and all the bedrooms. The heart of this home is its gourmet kitchen with a SPACIOUS CENTRAL ISLAND featuring extra storage, a herringbone tile backsplash, wall ovens and a corner WALK-IN PANTRY. The 6-burner GAS STOVE is a chef's dream. Wood look porcelain tile floors, a shiplap feature wall and an extra-large fan complete the great room space, and an adjacent flex space is currently a separate dining space. The primary en-suite features a large SPA SHOWER. Outside the entertainer's yard offers indoor/outdoor living with two turf areas, mature trees and rear access to the amazing *climate-controlled* garage! Say goodbye to worrying about the Arizona heat affecting your prized possessionsyour vehicles/toys/work equipment/memorabilia will be protected year-round in this *climate-controlled* haven.

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8952 E Palm Ridge Drive Scottsdale, AZ 85260

$699,000

3 Beds

2 Baths

1,602 SqFt

Status Active

MLS # 6685794

Property Type Townhouse

Price Type --

Within in the heart of Eagle Point, the immaculate Townhome features maintenance free living, vaulted ceilings in every room, spacious bedrooms, separate living room and abundant closets. Everything inside is NEW down to the water valves. New roof in 2023. Complete remodel in 2020 of the kitchen, bathrooms, windows, doors and sliders, floors, and paint. HOA covers entire front landscaping and Community Pool. Home warranty included! This special Scottsdale property won Best Home on Tour! Walkability is a 10+, convenient to parks, freeways, shopping and dining. Move in today and entertain your family and friends this weekend. Embrace the Scottsdale lifestyle you deserve!

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2237 E Captain Dreyfus Avenue Phoenix, AZ 85022

$699,000

3 Beds

3 Baths

2,464 SqFt

Status Active

MLS # 6682338

Property Type Single Family Residence

Price Type --

Within reach of Shadow Mountain. Quiet Neighborhood! City Lights and Mountain Views from the roof/deck overlooking the resort-style pool toward Piestewa Peak. Stunning!. Three separate, individual suites, each with their own en-suite bathroom and walk-in closet. Lower-cost electric with Solar! Fine Designer Woodwork Detail throughout, plantation shutters, Central Vacuum, granite countertops, stainless steel appliances, Fridge and Washer & Dryer included, two separate covered patios, side yard with cool-feel, synthetic grass, ample cool decking around pool. No HOA, close to Phoenix Mountain Preserve Trails. Pavilion of Light. No through traffic. Quiet. Serene. Patio Pool fencing retained. Solar Lease $71/mo.

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2601 W Lodge Drive Phoenix, AZ 85041

$699,000

5 Beds

4 Baths

2,700 SqFt

Status Active

MLS # 6697399

Property Type Single Family Residence

Price Type --

Beautiful custom Home nestled right up to the Base of South Mountain. Seller is willing to flex on price! New kitchen and bathrooms recently remodeled. 2 A/C units and water heater 2 yrs old. Perfect mountain views from the yard. Over half acre of land (33,000+) to do whatever you'd like. Chicken stalls already built. Separate two car garage with attached Casita, bedroom and bathroom. Free standing gazebo. Flowing water during rainy days. Really is a must see!

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17025 E La Montana Drive Unit 123 Fountain Hills, AZ 85268

$699,000

3 Beds

2.5 Baths

2,074 SqFt

Status Active

MLS # 6700795

Property Type Townhouse

Price Type --

LUXURY LIVING AT IT'S FINEST! This gorgeous townhouse is located in the prestigious gated community of Arroyo Verde at Bella Lago. It features an upper deck and lower patio with stunning views. The interior has an wide open floorplan with soaring ceilings. This breathtaking home has updated appliances, interior paint, light fixtures, faucets, water heater, sink, cabinet hardware, plus much more! The community cabana features a pool, hot tub, fitness area, kitchen, and bathrooms. Located in the heart of Fountain Hills just steps from Overlook Trailhead, walking distance to the world famous fountain, Avenue of the Fountains, amazing restaurants, great shopping, McDowell Mountain regional park, and only 15 minutes from the airport! Huge price reduction! Motivated seller! Bring all offers!

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17627 N 14th Avenue Phoenix, AZ 85023

$699,000

8 Beds

3 Baths

3,400 SqFt

Status Active

MLS # 6701889

Property Type Single Family Residence

Price Type --

This is the perfect house for you! Energy-efficient property sitting on a pie-shaped lot in a quiet cul-de-sac with a Casita! This one-story home provides plenty of solar panels that save you money every month. Immaculate interior has a great room w/wood-look floors, thick baseboards, & modern light fixtures. The heart of the home is the oversized family room boasting high vaulted ceilings, skylights, fireplace, & backyard access! Discover a split owner's retreat featuring walk-in closet, access to the backyard, & lavish ensuite. The backyard offers covered patio, plenty of space for your oasis, & RV gate. An ample living room, kitchenette, bedroom, & bathroom complete the casita! Move-in ready

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3935 E Whitton Avenue Phoenix, AZ 85018

$699,000

3 Beds

2 Baths

1,635 SqFt

Status Active

MLS # 6715984

Property Type Single Family Residence

Price Type --

Three bedroom, two bath in Citrus Acres/Arcadia Lite; close to Scottsdale restaurants & shops! Awesome location!! Recently remodeled kitchen & living area. Skylight adds some nice natural light. Spacious bonus room is great for families. House has been well maintained and is ready to sell - come check it out!

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15851 N 16th Street Phoenix, AZ 85022

$699,000

3 Beds

2.5 Baths

2,483 SqFt

Status Active

MLS # 6710570

Property Type Single Family Residence

Price Type --

ELEVATED LOOKOUT CANYON ESTATES IN THE HEART OF THE MOON VALLEY AREA. 3 FULL BEDROOMS, TWO- AND ONE-HALF BATHS PLUS A FLEXROOM/OFFICE/DEN. ALL NEW ROOF INCLUDING NEW TILES 2022. VAULTED CEILINGS LIGHT AND BRIGHT. MOUNTAIN VIEWS AND HIKING AREAS WITHIN WALKING DISTANCE. THE KITCHEN BOASTS AN OPEN FEEL WITH ISLAND WITH SEATING, STAINLESS APPLIANCES AND BREAKFAST NOOK ALL ADJOINING TO A FAMILY ROOM W/FIREPLACE. BACK PATIO W/BLT IN BBQ, FIREPLACE. A BONUS RV GATE & SLAB WITH OUTDOOR LIVING NO HOA FEES. MOUNTAIN VIEWS AND HIKING AREAS WITHIN WALKING DISTANCE. CLOSE TO FREEWAYS AND FOOD AND SHOPPING AMENITIES

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6010 W Arroyo Way Pine, AZ 85544

$699,000

4 Beds

3 Baths

2,571 SqFt

Status Active

MLS # 6707766

Property Type Single Family Residence

Price Type --

Welcome home to this stunning 4 bedroom 3 bath retreat nestled on a peaceful cul-de-sac and backing to the National Forest. Enjoy views of the Rim while relaxing on either of the two completely new decks. From the family room views of the Rim provide a picturesque backdrop to your everyday life. Throughout the house windows give way to nothing but views of the trees and forest. With easy access to the Bearfoot Trail, this is the perfect home for nature lovers and outdoor enthusiasts. This beautiful home is situated on 1.16 acres to provide ample tranquility and privacy. Gourmet kitchen features custom cabinetry, gas stove & granite countertops. Separate dining space provides plenty of space to gather family & friends. Home is being sold furnished so you can move right in and begin enjoying the tranquility and solitude of mountain living.

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7175 E Aloe Vera Drive Scottsdale, AZ 85266

$699,000

2 Beds

2 Baths

1,671 SqFt

Status Active

MLS # 6722114

Property Type Single Family Residence

Price Type --

Premium cul-de-sac lot offers privacy and views of desert open space. Resort style amenities including: Clubhouse, Dining, Fitness Center, Pool, Tennis Courts, Pickleball and Desert Pavilion (Community Center. Spacious Great Room floor plan with 2 Bedrooms, Den/Office, Gas Fireplace and 2 Bathrooms. Kitchen features stainless steel appliances and granite countertops. Primary suite is complemented by a walk-in closet, dual vanities, granite countertops and separate shower and tub. Secondary bedroom with walk-in closet and granite countertops in 2nd bathroom. Laundry room with cabinets. Interior and exterior of the home was painted in June of 2024. Energy saving home with Solar Panels.

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