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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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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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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5745 N 13th Street Phoenix, AZ 85014

$698,000

4 Beds

2 Baths

1,860 SqFt

Status Active

MLS # 6773346

Property Type Single Family Residence

Price Type --

This charming and cozy retreat is nestled in a vibrant neighborhood, walking distance to wonderful coffee shops, boutiques and restaurants. This home lives larger than expected with two spacious living rooms and an open kitchen. The expansive backyard is a serene oasis, perfect for a morning cup of coffee or a gathering with friends. AC Unit replaces in 2022 - Large Free standing shed included.

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1448 N Overlook Drive Dewey, AZ 86327

$698,000

4 Beds

3 Baths

3,686 SqFt

Status Active

MLS # 6775131

Property Type Single Family Residence

Price Type --

Beautiful Custom Home in Prescott Country Club with Spectacular Views! Private Cul-de-Sac Location! 4BR/3BA/2 Car Garage, 3686 SqFt. Courtyard Garden with Walkway to Double Door Entry Leads to Light and Bright Great Room and Family Room w/High Ceilings, Skylight and Large Picture Windows with Amazing Views! Kitchen and Informal Dining Area Include Electric Cooktop, Induction Oven, Whirlpool Refrigerator, Corian Countertops and Access to Private Patio w/Trex Decking and Pergola Overhang. Primary BR/Bath Features High Ceilings, Lighted Ceiling Fan, Walk In Closet and Sliding Door w/Access to Private Patio. Lower Level Features In Law Suite Including One Bedroom, Kitchenette, Craft Room, Workshop and Large Open Area for Entertaining or Game Room. New A/C, Solar Owned.

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7041 W Knox Road Chandler, AZ 85226

$698,000

4 Beds

3 Baths

1,904 SqFt

Status Active

MLS # 6779188

Property Type Single Family Residence

Price Type --

Escape to your own private oasis in this stunning 4 bedroom, 3 bathroom home nestled on one of the largest lots in the gated community of Rhythm! This sprawling 5,100 sq ft haven offers the perfect blend of space and tranquility. Imagine entertaining friends and family in the spacious open-concept living area, complete with a gourmet kitchen featuring upgraded appliances, a breakfast bar, and ample counter space. Retreat to your luxurious master suite with a walk-in closet and a spa-like bathroom with a standalone shower and dual sinks. Enjoy peace and quiet throughout the home thanks to superior soundproofing with upgraded 6'' exterior walls. With brand new carpet and fresh paint, this home is move-in ready and waiting for you! Plus, you'll love the oversized two-car garage. There are many amazing community amenities, including a heated pool, basketball court, and a fully-equipped gym in the community center. All of this in a fantastic location near restaurants, shopping, I-10, and Loop 202. Don't miss out on this incredible opportunity to experience the Rhythm lifestyle!

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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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26446 W Lone Cactus Drive Buckeye, AZ 85396

$697,000

3 Beds

2.5 Baths

2,472 SqFt

Status Active Under Contract

MLS # 6759974

Property Type Single Family Residence

Price Type --

Wonderful home at the Sun City Festival! Stone accented façade, desert landscaping, 2-car garage w/cabinets, A/C & courtyard entry. Inside, a hallway leads you to the den w/French doors, the secondary bedroom area w/Jack & Jill bathroom & the bright family rm w/media niche. Plantation shutters, auto power blinds, surround sound speakers & sliding glass doors that merge indoor/outdoor activities! Chef's eat-in kitchen showcases a big island w/breakfast bar, staggered cabinets, SS appliances, granite counters, stylish backsplash & butler's pantry area w/walk-in pantry. The main retreat has private backyard exit & a lavish bathroom. Two floating vanities w/under light, a floor-to-ceiling tiled shower & walk-in closet. Oasis backyard boasts covered patio, built-in BBQ, pool/spa combo.

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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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