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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2325 W Highridge Road Wickenburg, AZ 85390

$695,000

3 Beds

2 Baths

2,748 SqFt

Status Active

MLS # 6762876

Property Type Single Family Residence

Price Type --

Discover the epitome of quality craftsmanship in this beautiful custom Crissman home, perfectly situated on 2.5 in the coveted Sonoran Estates community, right in Wickenburg. This expansive residence boasts a thoughtfully designed split floor plan that offers the ideal balance of privacy and space, featuring formal dining, family, living, and breakfast rooms—perfect for both everyday living and entertaining. The luxurious master suite provides a tranquil retreat, while a versatile den doubles as an exercise room or home office. A separate workshop/storage room adds to the home's functionality. The property includes a 2-car attached garage and an impressive detached 2-car garage with a 3/4 bath, offering endless possibilities for use. Step outside to the extensive covered patio, complete with a convenient kitchen pass-through, where you can enjoy breathtaking views of Vulture Peak. The beautifully landscaped grounds include fruit trees behind the house, creating a serene outdoor oasis. This home also comes equipped with security shutters and doors for peace of mind. Recent upgrades include two brand new AC units, ensuring year-round comfort. Don't miss this opportunity to own a slice of paradise with incredible views, top-notch amenities, and plenty of room for your horses, all just minutes from the heart of Wickenburg!

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28327 N 164th Street Scottsdale, AZ 85262

$695,000

4 Beds

2 Baths

2,311 SqFt

Status Active

MLS # 6752370

Property Type Single Family Residence

Price Type --

Experience luxury living with breathtaking mountain views in this upgraded 4-bedroom, 2-bath home. From the moment you arrive, the refined stone accents, meticulous desert landscaping, and spacious 4-car garage set the stage for what's inside. The open living area features soaring ceilings, a stone fireplace, and expansive windows that frame stunning mountain views. The gourmet kitchen is a chef's delight with granite countertops, stainless steel appliances, double wall oven, and rich espresso cabinetry. The main suite offers plush carpeting, dual sinks, a walk-in closet, and direct backyard access. Outside, relax on the covered patio, enjoy the fire pit, or unwind in the hot tub! With space for toys or horses, this home blends modern luxury with the natural beauty of Arizona.

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22338 N O Sullivan Drive Maricopa, AZ 85138

$695,000

5 Beds

2.5 Baths

4,152 SqFt

Status Active

MLS # 6741286

Property Type Single Family Residence

Price Type --

Welcome to this stunning, updated Maricopa home! With breathtaking golf course and mountain views, this spacious property offers the best the Valley of the Sun has to offer. As you enter the home, you are welcomed by open living areas perfect for entertaining. The home also features generously sized bedrooms, including a lavish downstairs master with spa-like bathroom complete with custom walk-in shower. Large windows throughout showcase the beautiful surroundings. Step outside to your private oasis, where a heated pool and putting green invite year-round enjoyment. The expansive patio area is ideal for hosting barbecues, relaxing in the sun, or simply taking in the serene golf course and mountain views. NEW AC units in 2021 and NEW water heater in 2024!

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23035 W Sierra Ridge Way Wittmann, AZ 85361

$695,000

5 Beds

4 Baths

3,155 SqFt

Status Active

MLS # 6743733

Property Type Single Family Residence

Price Type --

Huge custom home in quiet subdivision on one a large 1+ acre lot with an open space behind it. The yard includes two RV gates, RV parking, pool, spa, built-in BBQ, and multiple extended patios with low maintenance artificial turf. Great for entertaining! The home includes two master suites, an open greatroom with built-in Entertainment Center, kitchen and dining area. The spacious kitchen includes granite countertops and double ovens. All appliances included! Enjoy the open space, country air and rural lifestyle in this spacious home with all of the amenities!

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13873 N 89th Street Scottsdale, AZ 85260

$695,000

3 Beds

2 Baths

1,651 SqFt

Status Active

MLS # 6744502

Property Type Single Family Residence

Price Type --

New roof, paint and more on this updated 3-bedroom, 2-bathroom gem! Great location and price! The kitchen is a chef's delight, featuring white shaker cabinets and stunning quartz countertops that complement the stainless steel appliances. The home boasts not one, but two distinct living spaces—an inviting family room for everyday relaxation, which features a beautiful brick fireplace and a separate formal living for special occasions and entertaining guests. The updated bathrooms are elegantly designed with contemporary fixtures and finishes, offering a touch of sophistication. The master suite is a true retreat, complete with a huge walk-in shower and a luxurious soaking tub, perfect for unwinding after a long day. Conveniently located in a great neighborhood, this home offers both privacy and accessibility to amenities. Whether you're enjoying quiet evenings by the fireplace or hosting lively gatherings, this home provides the perfect backdrop for your lifestyle. Don't miss the opportunity to make this your own! Home is also available for rent.

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17178 W Wildwood Street Surprise, AZ 85388

$695,000

4 Beds

3.5 Baths

2,223 SqFt

Status Active

MLS # 6750662

Property Type Single Family Residence

Price Type --

ENTERTAIN ALL OFFERS Discover easy living in this beautifully maintained, single-story residence nestled in the heart of Surprise, Prestigious Sterling Grove community. This charming home boasts a spacious open floor plan with abundant natural light, creating an inviting atmosphere perfect for entertaining. The gourmet kitchen features modern appliances, ample counter space, and a breakfast bar that opens to the dining and living areas. Retreat to the primary suite, complete with a walk-in closet and an ensuite bath for ultimate relaxation. Enjoy Arizona's sunny days in the private, low-maintenance backyard—perfect for outdoor gatherings or quiet evenings under the stars. **The Ultimate Lock-and-Leave Lifestyle!** With its low-maintenance design, this home is ideal for thos seeking a hassle-free, lock-and-leave lifestyle. Situated in luxurious Sterling Grove, residents have easy access to world-class amenities including a championship golf course, state-of-the-art fitness center, resort-style pools, tennis and pickleball courts, and walking trails. Plus, you're just minutes away from top-rated schools, shopping, dining, and entertainment. Don't miss the chance to make this easy-living, single-story gem your dream home in one of Surprise's most sought-after areas!

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8512 W Behrend Drive Peoria, AZ 85382

$695,000

2 Beds

2.5 Baths

2,203 SqFt

Status Active

MLS # 6757573

Property Type Single Family Residence

Price Type --

This stunning home is located in Westbrook Village, one of Arizona's most premier adult communities. Enjoy the sprawling floor plan w/ room to spread out, entertain & enjoy easy living. You'll appreciate all this home has to offer w/ vaulted ceilings, natural light, plantation shutters throughout and a gourmet kitchen featuring double ovens, gas cooktop, huge island and plenty of cabinet space. Cozy up in the Family & living room w/ a 2 way gas fireplace. The main bedroom offers a large walk-in closet, double sinks and beautiful shower. 3 car garage has expansive storage with built-in cabinets. Relax in your resort-style backyard w/ built in BBQ and ample outdoor living space. Thoughtfully upgraded in 2019 including water softener and tankless water heater, 2 stage 15 seer ac unit in 2024 Westbrook Village offers a wealth of amenities! 2 championship golf courses, driving range, club houses & restaurants. There is never a lack of activities with their 87 clubs. Enjoy billiards*bocce ball*horseshoes*dance*aerobics/yoga*crafts/hobby rooms*pickleball*tennis*RV parking*pools*fitness facility*ballroom and so much more! This home is the perfect combination of luxury and comfort. Come and see it and do not miss the opportunity to make this gorgeous home yours!

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18187 E Via Jardin -- Gold Canyon, AZ 85118

$695,000

4 Beds

3 Baths

3,243 SqFt

Status Active

MLS # 6757344

Property Type Single Family Residence

Price Type --

This beautifully remodeled home is a true gem, featuring nearly two years of thoughtful updates throughout. The open kitchen shines with granite countertops, a large pantry, updated lighting, and hidden pop-up outlets that add both convenience and style. All bathrooms have been modernized with fresh shiplap, new countertops, and sleek fixtures, while the primary bathroom offers a luxurious escape with its tiled walk-in shower and clawfoot tub. Additional updates includes all new flooring, plantation shutters throughout and a high-end roll-down shade on the sliding door for extra elegance and functionality, full interior paint, crown molding, baseboards, and a fresh exterior paint job in August 2024. Step outside to a transformed backyard, complete with a... heated salt water pool, spa, gas fireplace, and a fully equipped outdoor kitchenperfect for entertaining. Located on a desirable corner lot with gorgeous views and extra privacy, plus a 3-car garage, this home is the total package!

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2550 E Penedes Drive Gilbert, AZ 85298

$695,000

5 Beds

3 Baths

3,083 SqFt

Status Active

MLS # 6759038

Property Type Single Family Residence

Price Type --

Experience elevated living in this upgraded Fulton home, nestled in the highly sought-after Freeman Farms. Ideally located next to the serene community waterfall and lake, this property offers a rare level of privacy with only one neighbor. The home comes equipped with owned solar panels, allowing new owners to enjoy energy efficiency. The first floor boasts a convenient guest room and bathroom, while the second floor is home to a luxurious primary suite with a generous sitting area. Step outside into a lush backyard with a vibrant lawn and a covered patio, ideal for gatherings and relaxation. Located just 5 minutes from Gilbert Regional Park's pickleball courts, this home also offers easy access the 202 freeway, SanTan Village, and the exciting new Epicenter development.

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3170 S Nebraska Street Chandler, AZ 85248

$695,000

4 Beds

3.5 Baths

2,818 SqFt

Status Active

MLS # 6760698

Property Type Single Family Residence

Price Type --

This stunning home, complete with fully-paid off solar at closing, is ideally located near award-winning Hamilton High School in a desirable cul-de-sac. Just steps from a park, lake, and greenbelt, the private backyard offers serene living with no neighbors behind. Boasting 4 spacious bedrooms, a den/game room, and 3.5 baths, the home features soaring ceilings and a chef's kitchen with granite countertops, a large island, and a generous pantry. Recent upgrades include a newer A/C, roof, flooring, and updated bathrooms. The downstairs owner's suite is a tranquil retreat with a tub, shower, and walk-in closets. A 3-car tandem garage provides ample storage, with easy access to freeways and shopping. Go see today!

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10488 W Nosean Road Peoria, AZ 85383

$695,000

4 Beds

3 Baths

2,860 SqFt

Status Active

MLS # 6763141

Property Type Single Family Residence

Price Type --

This home features approximately 2,860 square feet of living space with four bedrooms, three full bathrooms, and two split family rooms. The interior features durable and easy-to-maintain hard-surface flooring throughout, and a bright, open kitchen with lots of counterspace and storage. The split master bedroom boasts his and hers walk-in closets, a luxurious bathroom, and direct access to the oversized laundry room. All major appliances are included! Outside, enjoy a large backyard with lush green grass, low-maintenance desert plants, and a generously-sized, paver patio. Two garages for three total cars both have direct access into the home. The solar panels are OWNED and paid-off; the school district is A- rated, and the location is close to shopping, great dining, and the 303 freeway.

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8640 E Indigo Street Mesa, AZ 85207

$695,000

4 Beds

3 Baths

2,359 SqFt

Status Active

MLS # 6745687

Property Type Single Family Residence

Price Type --

Mountain Bridge, 4 Bedroom 3 bath home is loaded with upgrades including lighting, French doors with glass panels, surround sound, chef's kitchen including stainless steel appliances, breakfast bar, pantry, tile backsplashes and rich granite counter tops. Mountain Bridge community is loaded with amenities including large pool & spa. tennis, fitness club and more all within walking distance

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