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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5816 E Montara Place Mesa, AZ 85215

$698,000

3 Beds

2 Baths

1,913 SqFt

Status Active

MLS # 6750031

Property Type Single Family Residence

Price Type --

CURRENTLY UNDER CONSTRUCTION. Beautful new home underway. Spacious floor plan with an oversize 2 car garage with an extra golf kart garage. Stunning elevation. See pictures for more details.

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724 E Gemini Place Chandler, AZ 85249

$698,000

4 Beds

3 Baths

2,932 SqFt

Status Active

MLS # 6763157

Property Type Single Family Residence

Price Type --

Located near a golf course! SOLAR owned. Come see this gorgeous 4-bedroom, 3-bathroom home with a refreshing pool. Lots of curb appeal with a 3-car garage, mature landscaping, and a welcoming entrance into the home. Discover the inviting formal living room with an optional den/office space with beautiful tile flooring throughout the home. Check out the desirable great room designed for entertaining, enhanced with interior built-in shelves, and a beautiful gas fireplace for casual evenings with the family. The large kitchen includes a breakfast bar, granite counters, plenty of cabinetry, recessed lighting, SS appliances, double wall ovens, and a pantry closet. Don't forget about the dining area with great views of the pool. The main bedroom includes an ensuite bathroom, with dual sinks, a separate shower & tub, a vanity, and a walk-in closet. The remaining bedrooms are spacious with nice size closets. There are two additional hall bathrooms that are shared. Laundry inside with lots of storage. Washer & dryer will convey. Roof installed (2020). HVAC installed (2020). Water softener installed (2022). Water heater installed (2022). The backyard boosts of a covered patio, a fully fenced sparkling pool, a wood burning fireplace, a grassy area with a side yard. Make this gem your today!

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344 W Calle De Caballos -- Tempe, AZ 85284

$698,000

3 Beds

2 Baths

1,870 SqFt

Status Active Under Contract

MLS # 6752559

Property Type Single Family Residence

Price Type --

LOCATION, TEMPE, 1 LEVEL, UPDATED & MOVE-IN READY! Gorgeous HOME situated on a Corner N/S Exp. lot featuring 3 Beds, 2 Bths, DEN w/Barn Doors & Murphy Bed w/ Bookshelf, 3 CAR EXTENDED LENGTH GARAGE, RV GATE & POOL. Add'l features incl; Formal Living/Dining, Lrg. Open Concept Eat-in Kitchen/Family Rm. Kitchen Upgrades incl; 42'' White Cabinetry w/Quartz & Cambria Countertops, Custom Backsplash, Lrg. Island w/Custom Lighting, Stainless Steel Appliances and Cabinet Hardware. Additional upgrades incl; NEW ENERGY EFF. WINDOWS, NEW Interior Paint, New Carpet, 2.5'' Cordless Blinds, Wood Plank Tile, Upgraded Door Hardware, Fans, Lighting, Lrg. Baseboards, Spa like Custom Shower Surrounds & Frameless Glass Enclosure in Mstr., Ext. incl; Pool, Lrg. Covered Patio, & Grass area. Main Sewer Line replaced w/10year transferable warranty. The list goes on...Check document section for list of upgrades. 1% FREE RATE BUYDOWN FOR 1st 12 Mos. w/PREFERRED LENDER, CRAIG CUSICK, Fairway Mtg. Ask for more details.

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7674 W Tether Trail Peoria, AZ 85383

$697,990

3 Beds

2.5 Baths

2,197 SqFt

Status Active

MLS # 6747485

Property Type Single Family Residence

Price Type --

Welcome to Ashton Woods newest community in Peoria -The Sanctuary at Aloravita. This 2,197 Ruby floorplan features a Modern Desert style elevation and includes 3 bedrooms, 2.5 baths, a den, plus 4-car super garage. The impressive kitchen island is perfect for family and friends to gather as it opens to the home's great room for easy entertaining. The kitchen includes stainless steel appliances with a gas cooktop, large undermount sink, under cabinet hood, beautiful painted shaker style cabinets with crown molding, quartz countertops, kitchen backsplash, and large pantry. The great room offers a 4 panel center sliding glass door so you can step out into your covered patio to enjoy indoor/outdoor living in your backyard with friends and family. Other features include, 8' interior doors, 6x36 wood plank style floor tile, upgraded carpet/pad, a soft-water loop, and much more! For the car enthusiasts out there, this home includes 4-car super garage. Great location close to dining, freeways, parks, and entertainment!

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523 E Pasaro Drive Phoenix, AZ 85085

$697,890

3 Beds

2 Baths

1,758 SqFt

Status Active

MLS # 6700654

Property Type Single Family Residence

Price Type --

Nestled in the scenic landscape of North Phoenix, this inviting 3-bedroom, 2-bathroom home embodies modern comfort and desert charm. Beyond the gated entry, discover a sanctuary boasting upgraded appliances and a versatile den, ideal for work or relaxation. The heart of the home is a spacious living area, seamlessly flowing into a sleek kitchen adorned with top-tier amenities. Step outside to a private oasis, complete with a sparkling pool enveloped by low-maintenance turf, perfect for entertaining or basking in the sun. Embrace the tranquility of the Sonoran Desert from the comfort of your own backyard, with miles of hiking trails nearby, offering endless opportunities for outdoor adventures and breathtaking views. Experience a harmonious blend of luxury and nature in this desert haven, where every day feels like a retreat.

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10535 E Lincoln Avenue Mesa, AZ 85212

$697,000

5 Beds

3 Baths

3,184 SqFt

Status Active

MLS # 6776622

Property Type Single Family Residence

Price Type --

Welcome to your dream home! With brand new carpet and fresh interior & exterior paint, this beautiful Eastmark home is ready for you! Featuring a 3 car garage, over 3000sqft, 5-beds and 3-baths this home boasts a spacious open-concept layout which makes it perfect for modern living. In the heart of this home is its stunning kitchen, featuring an gas cooktop, built-in microwave & oven, SS appliances, a large island w/pendant lighting and updated bar area. You'll love the functionality of the walk-in pantry, providing gracious amstorage space. Upstairs, you'll find the laundry, bedrooms with a jack and jill bath, and a large loft area that offers endless possibilities for use as a media room, home office, or play area. The spacious master bed is a retreat in itself, complete w/ an en-suit bathroom and his and her closets spaces. Retreat to your spacious backyard for ultimate relaxation. With a large covered patio, upgraded travertine tile and shaded pergola this outdoor space is perfect for relaxing after a long day or enjoying the Arizona sunsets.

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3131 N Central Avenue Unit 5012 Phoenix, AZ 85012

$696,772

2 Beds

2 Baths

1,419 SqFt

Status Active

MLS # 6614699

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 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. 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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578 E Las Puertas Lane Queen Creek, AZ 85140

$696,520

2 Beds

2.5 Baths

2,180 SqFt

Status Active

MLS # 6600560

Property Type Single Family Residence

Price Type --

Welcome to the extraordinary Genova plan - a showcase of luxury and thoughtful design. Step inside and be greeted by a sprawling and functional layout, featuring a huge gourmet kitchen that offers convenience and ample storage. This home is designed with your comfort in mind, ensuring that every aspect complements your lifestyle. Every inch of this residence has been meticulously upgraded.....from high-end fixtures to premium materials, no detail has been spared. A few upgrades include the expanded guest room, gourmet gas appliances and all landscaping included. Book your tour today and start living the good life at Encanterra!

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25120 W Patton Road Wittmann, AZ 85361

$696,000

4 Beds

3 Baths

3,008 SqFt

Status Active

MLS # 6688711

Property Type Single Family Residence

Price Type --

Custom home with many upgraded features. 24'' travertine tile, upgraded cabinets, granite counters, stainless steel appliances. Open concept with large great room, columns, 10' ceilings. Bathrooms/showers feature travertine tile. Large master suite with separate walk-in shower and jetted tub with a large walk-in closet, separate entrance. Stone accents and 14' turret entrance. Fenced-in garden area, window shutters throughout.

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12826 S 189th Avenue Buckeye, AZ 85326

$695,000

4 Beds

3.5 Baths

2,379 SqFt

Status Active Under Contract

MLS # 6761611

Property Type Single Family Residence

Price Type --

Be excited to see this newly built residence now on the market! With 4 beds, 3.5 baths, and a spacious split 3 car garage, this beautiful home offers style and comfort. The immaculately designed interior highlights a captivating open layout bathed in natural light enhanced with tall ceilings, recessed & chic light fixtures, and sleek wood-look tile flooring. Spotless kitchen is fully equipped with quartz counters, white shaker cabinetry, a walk-in pantry, and an island with a breakfast bar. Retreat to the romantic main suite, showcasing an ensuite and a walk-in closet. On the other end of the home, enjoy an attached in-law suite with just enough privacy. Sliding glass doors open to the expansive backyard with a covered patio overlooking fantastic mountain views. Take advantage of this gem

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5116 W Top Hand Trail Laveen, AZ 85339

$695,000

4 Beds

3 Baths

2,394 SqFt

Status Active

MLS # 6762265

Property Type Single Family Residence

Price Type --

This newly constructed Taylor Morrison home in Laveen boasts an impressive 5-car RV garage and is packed with modern amenities. As you arrive, a beautifully pavered driveway sets the tone for the luxurious design. Inside, you'll find 4 spacious bedrooms and 3 well-appointed bathrooms, with a thoughtfully designed floor plan that includes a great room and a private dining area. The gourmet kitchen is a chef's dream, featuring a large granite center island with a breakfast bar, perfect for casual dining or entertaining. The great room seamlessly flows to a private patio and backyard, ideal for gatherings. Guests will appreciate the secondary bedroom with its own ensuite bathroom for added privacy. The split primary bedroom offers a serene retreat with a spa-like ensuite, complete with a walk-in shower, dual granite-topped sinks, and a generous walk-in closet. This home is the perfect blend of comfort and sophistication and offers generous spacing between neighboring properties providing added privacy and tranquility. Enjoy easy access to the 202 freeway making trip to the West Valley, East Valley or downtown effortless. All while being surrounded by serene mountain views that provide a peaceful retreat from city life.

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17698 E Bismark Lake Court Rio Verde, AZ 85263

$695,000

2 Beds

2 Baths

1,544 SqFt

Status Active

MLS # 6765532

Property Type Townhouse

Price Type --

Enjoy MOUNTAIN VIEWS and brilliant SUNSETS in this LUXURY RESORT COLLECTION Evia Floor Plan with SLIDING WALL OF GLASS and covered private terrace in the heart of coveted Trilogy at Verde River! Available FULLY FURNISHED this Spacious, WIDE OPEN yet efficient floorplan features 2 beds/ 2 baths and a SEPERATE DEN area. The unique location is adjacent to natural open space & beautifully maintained common area. Sophistication, Style & Elegant finishes throughout! COVERED PATIO perfect for entertaining. Kitchen DAZZLES w/WHITE CABINETS and sleek countertops! Stunning upgraded wood look tile flooring throughout. The new interior is bright and features today's favorite finishes. Other notable upgrades include New BOSCH dishwasher, Custom Closet, New Water Purification system and much more. Experience the ultimate in Luxury Living! Trilogy at Verde River offers upscale Resort living at its finest and the very best of all possible worlds, close to the conveniences of affluent North Scottsdale, yet secreted within the pristine privacy of the Sonoran Desert. The amenities are World Class with Tom Lehman inspired eighteen-hole Golf course, tennis courts, pickle ball courts, and bocce ball, heated lap pool and Resort style swimming pool, hot tub, Afterburn fitness center, Helen's demonstration Kitchen for cooking classes and a 7.5 acre dog park. The community center has casual poolside dining at Eddy's Diner and gourmet dining at award-winning Needle Rock Kitchen and Tap, Alvea Spa with full-service Salon and Spa amenities, Art Loft and events center. Trilogy at Verde River is adjacent to the Tonto National Forest and is situated in the middle of miles and miles of hiking and biking trails. Whether you're seeking a second, winter home, or will live here year-round, Trilogy at Verde River is an ideal distance from the hustle and bustle of North Scottsdale. Attitudes here are different; there's a sense of community. You'll love the Resort living! What memories will you make?

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