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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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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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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2505 E Presidio Street Mesa, AZ 85213

$695,950

3 Beds

3 Baths

2,279 SqFt

Status Active

MLS # 6728266

Property Type Single Family Residence

Price Type --

This is Base Price on a new Build and does not Include Lot premium or Upgrades. Grove at Lehi is bringing their sophisticated style to a new Upscale Gated Community in the Citrus District of Northeast Mesa. The Palm Tree lined Grand Entrance and charming decorative gatehouse provides a sense of arrival and welcomes you inside this gated 108-homesite community. Incredible central park that offers a lighted pickleball court, playground, and ramada perfect for outdoor family fun! Grove at Lehi provides easy access to the Loop 202 with close proximity to Tempe, Scottsdale, and Gilbert. Larger Lots with offering 8ft and 10ft RV Gates. Come Check out this brand-new community. (Photos are of Model)

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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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44973 W Sandhill Road Maricopa, AZ 85139

$695,000

3 Beds

2.5 Baths

1,844 SqFt

Status Active

MLS # 6740557

Property Type Single Family Residence

Price Type --

This beautifully maintained three bedroom two and half bath home with a GORGOUS DESERT OASIS is surrounded by scenic views and walking paths. Lounging in your PRIVATE POOL your view is open to the expansive community green belt, while still offering private seclusion behind the lush landscape just beyond your property., with the neighborhood park just around the corner. Surrounded by all of this greenery, is your ULTRA LOW MAINTENANCE dessert landscaped retreat. Whether you are sitting around cooking up smores around the fire. Splashing around in your pool or enjoying a glass of wine in your SPA your entertainer's yard will truly be your indulging retreat. Walking into your home you can't help but take note of the impressive craftsmanship of the solid iron screen door as you walk in to the room filled with warm colors and beautiful flooring. The GREATROOM prewired with 7.1 surround sound has the perfect niche for your art or sculptures. The staggered cabinetry, GAS RANGE, and Corian counter-tops make this kitchen open and inviting. Upstairs, your loft is open and bright. Your large master bedroom is complemented by a large tub, separate shower, WALKIN CLOSET, and double sinks. Your spare bedrooms share views of the front yard. This home has everything you are looking for, fans in all the bedrooms, great room and loft, soft-water system, RO water system, EPOXIED GARAGE FLOOR, much much more. Upgrade: AC system, washer & Dryer had complete overhaul. All faucets been changed to Delta brand in bathrooms & kitchen. The entire 2nd floor including stairway been changed to hard planks water and scratch resistant. Bathroom commodes been changed to 17.5 height. 30 electrical solar panels been installed reduces electrical bill Tremendously in hot summer days.

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2041 E Loma Vista Drive Tempe, AZ 85282

$695,000

3 Beds

2 Baths

1,886 SqFt

Status Active

MLS # 6776218

Property Type Single Family Residence

Price Type --

Gorgeous single-level home in highly desired south Tempe location! This 3 bed, 2 bath, open floor-plan home is perfect for your main residence or investment property. Updated electrical panel, 3-system irrigation system controlled by Wi-Fi, new 50-gallon water heater, new whole home water softener, new RO system for sink, new garage door and new pool door! Vaulted ceilings in the great room with wood shutters and carpet (2021) Refreshed fireplace in the formal dining area and tile flooring with a built-in buffet. New windows installed throughout the home in 2021 plus all new carpet and baseboards. Chef's kitchen with new painted cabinets, all stainless-steel appliances, kitchen island with eat-up bar seating. Master suite with ensuite bath that has dual sink vanities, bay windows, and two closets. Fully paid off solar panels! Two large guest bedrooms with wood laminate flooring. Oversized garage and workshop! The back yard has been designed for entertainment! A mixture of grass and desert landscaping with large plush trees providing you plenty of shade. Private, diving pool that is fenced in for safety with new pool light. Plenty of space for extra patio furniture. Extended covered patio with misting system. Side R/V Gate and cemented area to put your boat, R/V or other items. Just minutes away from ASU, Tempe Marketplace, Phoenix Sky Harbor Airport and the Freeway system make this home an easy to get to haven!

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8307 E Gary Road Scottsdale, AZ 85260

$695,000

5 Beds

6 Baths

5,505 SqFt

Status Active

MLS # 6722753

Property Type Single Family Residence

Price Type --

New co-ownership opportunity: Own 1/8 of this professionally managed, turnkey home. Named for a tropical Yucatan oasis, Tulum Oasis features a great room with 17-foot wood ceilings and a two-sided fireplace. A floor-to-ceiling corner window wall floods the space with light and opens to the backyard pool, a gas fire pit, large grassy lawn, BBQ and dining space. The kitchen has a limestone backsplash, two islands and Sub-Zero and Wolf appliances. The dining room offers a view of a stone patio and fountain. The home includes a den and a flex space. All five bedrooms have ensuite baths. The primary suite features a cozy fireplace, a walk-in closet and a luxurious bathroom with a dual-sink vanity, stone tub and open walk-in shower. The home comes fully furnished and professionally decor

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8127 E Columbus Avenue Scottsdale, AZ 85251

$695,000

3 Beds

2 Baths

1,437 SqFt

Status Active

MLS # 6738892

Property Type Single Family Residence

Price Type --

Charming 3 bed, 2 bath with 1-car garage home in the heart of Downtown Scottsdale! This property features tile flooring and natural light throughout! Great kitchen with modern stainless steel appliances, granite countertops, and plenty of cabinet and countertop space! The main bedroom includes a private bathroom and a spacious closet! Large fenced backyard and covered patio that's great for entertaining!

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5742 N 18th Place Phoenix, AZ 85016

New

$695,000

3 Beds

2 Baths

1,440 SqFt

Status Active

MLS # 6782020

Property Type Single Family Residence

Price Type --

Welcome to this lovely, move-in ready 1,440 square foot red brick home nestled in one of the most desirable neighborhoods in Central Phoenix. With 3 spacious bedrooms and 2 beautifully appointed bathrooms, this home has been thoughtfully updated and impeccably maintained. The kitchen shines with modern upgrades, perfect for meal prep and entertaining, while the hall bath has also been stylishly refreshed and expanded. The exterior boasts a well-kept yard surrounded by lush privacy hedges to the west that provide substantial shade, offering a peaceful outdoor retreat. The backyard also has a large back patio and separate garden area with a large covered sitting area. A 150 square foot (not included in listing square footage) fully functional game room/office space with a large loft sits next to the backyard garden area. It provides extra space for and office, game room, she-shed, or guest quarters, adding both convenience and versatility. Don't miss this gem, come see today!

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