Forget Mortgage Apps: 5 Reasons Why You’ll Want to Use a Human Mortgage Broker

Forget Mortgage Apps: 5 Reasons Why You'll Want to Use a Human Mortgage BrokerA 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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1859 E Cornell Drive Tempe, AZ 85283

$699,000 - 8Br/3Ba -  for Sale in Tempe Royal Palms 11, Tempe
New
$699,000
8 Beds
3 Baths
3,142 SqFt
Status Active
MLS # 6783275
Property Type Single Family Residence
Price Type --
Large, unique one story 8 bedroom 3 bath home in the heart of Tempe. Perfect for an Assisted Living Home for 10, a large family or ASU students. Remodeled kitchen and bathrooms. Seller may carry.

30240 N 60th Street Cave Creek, AZ 85331

$699,000
3 Beds
2 Baths
1,569 SqFt
Status Active
MLS # 6780923
Property Type Single Family Residence
Price Type --
Move-in ready remodeled home on over 1 acre with all city amenities nearby. All finishings were chosen with quality in mind. 24'' porcelain tile with epoxy grout throughout for easy cleaning, reinforced framing. The fully custom kitchen has maple cabinets, granite countertops, stainless steel appliances, vented range hood, granite composite sink, and reverse osmosis system plumbed to the fridge. The house has all new fans and light fixtures, venetian bronze throughout, and dual sinks in both bathrooms. The oversized laundry room has enough space for a fridge, chest freezer, or shelves. Energy-efficient upgrades include hybrid water heater, owned solar system, and insulating cellular shades. Whole-house water softener, new AC 2020, new septic 2023. Designed with storage in mind, including a walk-in linen closet, his-and-hers closets in the master, and pull-out drawers in the kitchen cabinets. The house has two large, covered patios to provide shade at all hours. Enjoy the mature saguaros and the sound of trickling water from the nearby wet-weather wash. With no flood plain, there is plenty of room to build your horse facilities, workshop, or detached garage. County island with no restrictive HOA and low taxes. Bring your horses, RVs, toys, and dreams!

21159 W Minnezona Avenue Buckeye, AZ 85396

$699,000
3 Beds
2 Baths
2,519 SqFt
Status Active
MLS # 6781204
Property Type Single Family Residence
Price Type --
Nestled in the exclusive, gated Highlands District of Verrado, this exceptional home sits on a premium view lot and is truly one-of-a-kind. Designed to replicate the model home, it boasts an impressive array of high-end upgrades and custom features throughout. The expansive, open-concept layout offers soaring ceilings, designer lighting, and stylish wood-look tile flooring. At the heart of the home, the gourmet kitchen impresses with elegant Quartz countertops, top-of-the-line stainless steel appliances—including a gas cooktop and double ovens—making it a dream for any home chef. Step outside into the peaceful backyard oasis, where serene mountain views and ultimate privacy await. The outdoor space is thoughtfully designed for relaxation.

152 S Brenna Drive Chino Valley, AZ 86323

$699,000 - 3Br/2Ba -  for Sale in Mollie Rae Estates Units 1 2 & 3, Chino Valley
New
$699,000
3 Beds
2 Baths
1,933 SqFt
Status Active
MLS # 6782923
Property Type Single Family Residence
Price Type --
elcome into this elegant 3 bed/2bath single level home. Open, split floor plan featuring a light-filled kitchen, stunning quartz countertops, and tile backsplash. The upgraded cabinets offer ample storage and counter space, complemented by a large pantry. Beautiful stone gas fireplace, and wood tile flooring. Extended dining room. Spacious primary suite and custom walk-in shower. Sizable guest rooms with walk in closets. Extended 3 car garage with area for a workshop or toy storage. Seller owned water softener, on demand tankless water heater, and prepped for electric car charger. Relax in the inviting courtyard on the front porch, or in the backyard, which boasts an extended patio with pavers, artificial turf, a drip system, and a secure fence for pets.

10063 E Calle De Cielo Circle Scottsdale, AZ 85258

$699,000
2 Beds
2 Baths
1,603 SqFt
Status Active Under Contract
MLS # 6767477
Property Type Single Family Residence
Price Type --
This delightful home boasts an open floorlplan that's bright & cheerful! As you step inside you will be greated by vaulted ceilings creating an airy spacious feel. 2 bedrooms + a den, a versatile space that could be an office or cozy retreat. A generous formal dining rm.. spacious living rm w/ FP & wet bar, sliding glass doors that open to to the back yd. patio area, allowing for expanded indoor/outdoor living entertaining. The kitchen is both functional & inviting complete w/a breakfast area for casual meals or morning coffee. and picture window to view the backyd. Step outside to the patio(s) Low maintainenance landscape, fruit trees and pavers, its a serene escape. This home is steps away from the community pool, offering a cool dip during the warm AZ. days. (Please click more) If quality of life is what you have been searching for, then this is it! Scottsdale Ranch has so much to offer! Restaurants, community events, 42 acre lake, 40 different neighborhoods, walking paths, bike trails, holiday boat parade, many groups and clubs, convenient to the 101. And SO much more!!!!

17313 E Woolsey Way Rio Verde, AZ 85263

$699,000
2 Beds
2 Baths
1,543 SqFt
Status Active Under Contract
MLS # 6771624
Property Type Single Family Residence
Price Type --
SPECTACULAR HOME at VERDE RIVER GOLF AND SOCIAL CLUB. New condition and ready for you to enjoy the Arizona lifestyle! Beat cold winters in the warm desert sun near Tonto NF. This open floorplan is designed for entertaining; Gourmet kitchen, upgraded cabinets, leather finished granite counters, gas range, spacious island, pantry, workspace with desk; Well-designed great room with 15' multi-sliding doors that opens to a beautiful backyard with spacious patio, firepit and BBQ; Master suite with luxurious bathroom, large walk-in closet and Guest bedroom; Plus, upgraded 8 ft doors, upgraded tile flooring, central vac, spacious laundry; beautiful front porch, 2 car garage with epoxy flooring, great room shades, water softener, reverse osmosis system, circulating hot water, 250 gal propane tank. Experience Trilogy at Verde River, a stunning resort style community nestled against the beautiful Tonto National Forest. The amenities at Verde River are spectacular. The Community boasts an 18-hole Championship Golf Course with a picturesque driving range, putting green, and separate chipping/pitching practice areas. One visit and you will understand why the PGA Southwest Section selected Verde River Golf & Social Club to host the AZ Senior Open and AZ Match Play Championships in 2020, 2021 and 2022. The active lifestyle amenities continue with pickle ball and tennis courts, with Clubs designed for social or competitive play. Adjacent to the sport courts for your convenience are bocce ball courts and an open grass area for social gatherings. The Community Clubhouse is all encompassing including a critically acclaimed restaurant, Needle Rock Kitchen and Tap, with a hugely popular wine and beverage program, Helen's Kitchen, a chef's inspired kitchen designed for cooking classes, and The Market Place, a favorite of member's for grabbing a morning coffee or picking up a forgotten grocery item. Love the Arts? Spend time at the Art Loft, where classes are offered in a variety of disciplines. The Clubhouse has an Events Center, designed to manage the needs on any member event. Attached to the Community Clubhouse is Alvea Spa, complete with Spa and Salon services, and Afterburn Fitness, a state-of-the-art workout facility that offers a variety of group fitness classes. Following your workout, enjoy convenient locker room facilities, and steam rooms. Just steps away from the Clubhouse in the Resort Pool, Lap Pool, and Sauna, all of which are heated. Enjoy the view, with food and beverages at Eddy's Poolside. Have a dog? Experience a dog-friendly community with a 7.5-acre dog park, with canopy shading coming soon for those warm AZ days. Trilogy at Verde River's location provides residents with the tranquility of the Tonto National Forest and the convenience of a short drive to the heart of North Scottsdale. Get the best of both worlds and see why you could be calling the Community, Home!

29655 S State Route 89 -- Congress, AZ 85332

$699,000
2 Beds
2 Baths
1,912 SqFt
Status Active Under Contract
MLS # 6775959
Property Type Single Family Residence
Price Type --
Views like this don't come around very often! This charming, meticulously maintained 2 bed, 2 bath home has only had one owner and is for sale for the first time in 28 years. This home is custom built and features an inviting open layout ideal for entertaining and day to day living. With a dedicated office space, it's perfectly suited for working from home or just enjoying a quiet workspace. Start your mornings on the back deck savoring your coffee as the sun rises over the breathtaking views of the Bradshaw Mountains. With a 4 stall mare motel, a round pen, a riding arena and 2 large turnouts, this property has everything you want. It's close to state land and easy to ride out from. Don't wait to see this one! This is more than a home, it's a way of life.

217 W Georgia Avenue Phoenix, AZ 85013

$699,000
4 Beds
3 Baths
1,789 SqFt
Status Active Under Contract
MLS # 6778139
Property Type Single Family Residence
Price Type --
CHARMING Mid-Century Ranch in the Medlock Place Historic District. No remodeling to undo, this cutie is a blank palette awaiting your enhancements. Square footage is combined to include the 3/2 main house and the adjacent 1/1 guest house. Very livable with real wood floors and some tile and laminate. The large double lot is irrigated approximately ten months per year. Good curb appeal. Huge back yard. Because of historic status, any exterior changes require city approval. There is an unairconditioned shop attached to the rear of the main house. Incredible near North Central neighborhood. Dining options along Central Avenue include Postino, Windsor, Federal Pizza, Joyride and upcoming The Henry. Easily access the light rail at Central & Camelback and head downtown for a game or concert.

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.

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.

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!

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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