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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6584 E Shooting Star Way Scottsdale, AZ 85266

$695,000
3 Beds
2 Baths
1,673 SqFt
Status Active
MLS # 6753844
Property Type Single Family Residence
Price Type --
Embrace the charm of this 3 bedroom 2 bath beauty. Enjoy Arizona and all that Terravita Golf and Country Club Community has to offer. High ceilings, travertine flooring, spacious and bright great room, enhanced by a gas fireplace and open to the dining and kitchen. Well-appointed and expanded kitchen boasts abundant custom cabinetry, recessed & pendant lighting, stainless steel appliances, granite counters, and tile backsplash. You'll love the main retreat showcasing wood-look floors and complemented by the ensuite walk in closet, dual vanities and a separate shower and tub. 2nd bedroom can function as a den or office and is a passthrough to the 3rd bedroom addition. Relaxing backyard covered patio. Garage has plenty custom built storage. Energy saving home with an owned solar system.

2041 E Loma Vista Drive Tempe, AZ 85282

$695,000 - 3Br/2Ba -  for Sale in Santo Tomas Unit 5, Tempe
Open House
$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!

17698 E Bismark Lake Court Rio Verde, AZ 85263

$695,000 - 2Br/2Ba -  for Sale in Trilogy At Verde River, Rio Verde
Open House
$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?

10260 E White Feather Lane Unit 2059 Scottsdale, AZ 85262

$695,000 - 2Br/2Ba -  for Sale in Ridge At Troon North Condominium, Scottsdale
Open House
$695,000
2 Beds
2 Baths
1,646 SqFt
Status Active
MLS # 6744706
Property Type Townhouse
Price Type --
GOLF COURSE, DESERT FLORA & FAUNA and ICONIC PINNACLE PEAK IN THE DISTANCE...ALL FROM THIS SECOND FLOOR TOWNHOME'S BALCONY! You've worked hard...now it's time to start relaxing and enjoying all that AZ golf course living has to offer! Savor a morning cup of coffee in your kitchen nook overlooking the 9th green of Troon North's top-ranked Monument course. Then it's time to hit the links, relax at the neighborhood pool, or get in a workout at the gym or on the pickleball courts. The evening is for cocktails with friends on your spacious second floor balcony with the sites and sounds of an Arizona nightfall as your backdrop. This move-in-ready, maintenance-free townhome will make every day feel like a vacation. Let's take a look at your new AZ home. Step into the cool-toned entry and take in this open-concept, entertaining-friendly floor plan. The welcoming family/dining area features bright windows, large sliders and a corner fireplace for ambience and cool nights. The kitchen offers stainless appliances, granite countertops and ample storage. Down the hall on the right, you'll find the den/office, set off by French doors, and two spacious bedrooms, each with a walk-in closet. There are two full bathrooms; the primary en-suite draws you in with a spa-like soaking tub, glass and tile shower and double sinks. Situated conveniently close to the bedrooms, is the laundry room with a spacious storage closet for your golf clubs and shoes, pickleball racquets and any other sporting goods you'll need. Finally, check out the two-car side by side epoxy coated garage with more storage. And, to keep your new space comfortable in every AZ season - a brand new HVAC system installed in January 2024. Start living your dream in this fantastic townhome at The Ridge at Troon North!

5816 E Acoma Drive Scottsdale, AZ 85254

$695,000 - 3Br/2Ba -  for Sale in La Paz At Desert Springs Unit 21 Lt 1-70 Tr A, Scottsdale
Open House
$695,000
3 Beds
2 Baths
1,506 SqFt
Status Active
MLS # 6765100
Property Type Single Family Residence
Price Type --
Motivated Sellers! Will consider up to $5000 in buyer concessions. Welcome to your dream home in the ''magic'' zip code of 85254 with NO HOA. This fabulous Scottsdale oasis features 3 bedrooms, 2 bathrooms and has been recently remodeled with upgrades galore! The open floor plan showcases updated cabinets and granite countertops in the kitchen and bathrooms, newer A/C within the last 5 years, new windows, new led lights, new smoke detector and thermostat. Plus, the home has fresh interior paint and no popcorn ceilings. The attached 2-car garage has ample space for your vehicles and storage. The backyard features a covered patio and RV gate. Prime location close to Kierland Commons, the up and coming Paradise Valley Mall and much more!

23807 S Angora Drive Sun Lakes, AZ 85248

$695,000 - 2Br/2Ba -  for Sale in Sun Lakes Unit 45a, Sun Lakes
Open House
$695,000
2 Beds
2 Baths
1,842 SqFt
Status Active
MLS # 6767203
Property Type Single Family Residence
Price Type --
AMAZING GOLF & WATER VIEWS! Sedona model w/ 2 bedrooms + 2 Baths & full 3 CAR Garage in the GATED, ADULT COMMUNITY of Oakwood! Beautiful entry to OPEN GREAT ROOM lined with windows to enjoy the expansive EAST FACING golf views. TILE FLOORS, Vaulted Ceilings, NEWER WINDOWS & UPDATED Kitchen/Baths. The Kitchen features 42'' CABINETS, NEWER STAINLESS appliances, EAT-UP bar + office area w/CUSTOM BUILT-INS. The SPACIOUS PRIMARY Suite has double sinks, TILED Walk-In Shower + Tub & WALK-IN CLOSET. Plenty of storage in laundry & 3 CAR Garage w/NEW Cabinets. FRENCH DOORS lead outside to the PAVER COVERED patio overlooking breathtaking views from Sonoran # 4. Come Enjoy Sun Lakes with its amenities including golf, tennis, pickleball, pools, fitness center, clubs, social activities & restaurants.

19014 W Ocotillo Road Waddell, AZ 85355

$694,990
4 Beds
2.5 Baths
2,713 SqFt
Status Active
MLS # 6739962
Property Type Single Family Residence
Price Type --
It's the beautiful Granada floor plan with 4 bedrooms, 2.5 baths. Very spacious floor plan with a 12x8 sliding glass door off the extended covered patio. Pavers at drive, walk and entry. Stainless steel gas appliance package with a 36'' cooktop, wall oven, microwave. Sonoma Maple Linen-off white cabinets with matte black T-bar hardware, 42'' kitchen uppers, pull out trash drawer with two bins. Upgrade flooring includes EMS-Ravenna Olmo 7x22 plank tile in all areas of the home except bedrooms and closets. 5'' upgraded baseboards and 3 1/4 door casings throughout. Soft water loop, gas stub for future BBQ. Two tone interior paint - whiskers. Garage service door, 8' tall garage door with two openers and so much more. Estimated completion November.

25919 N 23rd Avenue Phoenix, AZ 85085

$694,990
3 Beds
3 Baths
2,618 SqFt
Status Active
MLS # 6718323
Property Type Single Family Residence
Price Type --
This Spanish style Pinnacle floorplan with covered front porch and pavers offers a 2-story Floorplan with 2618 square feet, 4 bedrooms, 3 bathrooms and a 2-car garage. This is our only floorplan with a bedroom and full bathroom on the main floor. Open concept great room with kitchen featuring stainless steel appliances including 5 burner gas cooktop, under cabinet microwave/hood combo, wall oven and microwave and dishwasher against charcoal stained shaker style cabinet. Cabinet extras throughout including trash/recycling pullout, champagne bronze cabinet hardware, and more. Quartz countertops and tile backsplash in kitchen. 8' interior doors, 4-1/4'' baseboards throughout. 4-foot gate at rear of side yard. Gas stub for BBQ at side yard. Modified master bath; includes walk-in shower with linen closet and executive height vanities with shaker style cabinets. Shower to include clear glass enclosure and cultured marble surrounds. Electrical upgrades include ceiling fan prewire, separate switch pendant light prewires over kitchen island, upgraded vanity lights and more. 6x36 ceramic tile throughout first floor, and in laundry and secondary bath. Primary bathroom to include 12x24 tile. Upgraded carpet and pad on stairs, in loft and bedrooms. Low voltage and plumbing upgrades throughout. And so much more! Union park offers Tree-lined streets, pedestrian-friendly sidewalks and a 5,500 sf recreation center with resort style pool an kiddie pool, shaded ramadas, parks, gathering areas, pickleball courts and basketball. Close to I-10, 101 and 303. Walking distance to restaurants, movies, entertainment and shopping.

25928 N 22nd Lane Phoenix, AZ 85085

$694,990
3 Beds
2.5 Baths
2,567 SqFt
Status Active
MLS # 6758375
Property Type Single Family Residence
Price Type --
Located across from Heirloom Park, this Alta floor plan offers stylish curb appeal with the Spanish Farmhouse elevation, pavers at the walkway and driveway, and front yard turf and desert landscaping package. The interior features 2567 square feet on 2 levels, 3 bedrooms 2.5 bathrooms, and 2 car garage. Open concept floorplan with 9-foot ceilings and 8-foot doors. The kitchen features quartz countertops, silver grey painted shaker style cabinets with matt black hardware, stainless steel gas 5-burner cooktop, under cabinet hood, wall oven and microwave and 5 cycle dishwasher. Primary with on-suite bathroom featuring modified shower with marble surround, matching shaker style cabinets, and walk-in closet. Spacious laundry room located upstairs near bedrooms. Split concept bedroom layout with 2 bedrooms and a full bath on the opposite side of the upstairs loft from the primary suite. 6x36 natural wood look tile and upgraded carpet and pad. Ceiling fan prewires in bedrooms and pendent light prewires with a separate switch over the island in the kitchen. There is also a 4-panel sliding glass door to the side yard and gas BBQ stub. Tree-lined streets, pedestrian-friendly sidewalks, and a 5,500 sf recreation center with resort-style pool and kiddie pool, shaded ramadas, parks, gathering areas, pickleball courts and basketball. Close to I-17, 101, and 303. Walking distance to restaurants, movies, entertainment, and shopping.

7601 W Smoketree Drive Peoria, AZ 85383

$694,990
4 Beds
3.5 Baths
2,998 SqFt
Status Active
MLS # 6773432
Property Type Single Family Residence
Price Type --
''Discover the perfect blend of style and functionality in this stunning Daisy plan, a spacious 2-story home featuring 4 bedrooms and 3.5 baths. Step inside to find a welcoming den on the main floor, ideal for a home office or quiet retreat. Upstairs, the versatile loft offers extra living space, perfect for gatherings. The heart of the home showcases a modern kitchen with elegant grey cabinets and a striking white sand quartz island, perfect for entertaining or casual dining. Extra touches abound with brushed nickel bathroom fixtures, 8-foot doors, and a beautifully crafted mission staircase rail that adds a touch of sophistication as you walk upstairs. The center sliding door opens to a covered patio, seamlessly extending your living space outdoors. Additional highlights include a spacious 3-car tandem garage and a lovely paver driveway that enhances the home's curb appeal. With its craftsman elevation and thoughtful design, this home is ready to welcome you

42177 N Cutbow Trail San Tan Valley, AZ 85140

$694,990 - 4Br/4Ba -  for Sale in Edgewood Estates, San Tan Valley
Open House
$694,990
4 Beds
3.5 Baths
2,744 SqFt
Status Active
MLS # 6734842
Property Type Single Family Residence
Price Type --
Ready for a December 2024 MOVE_IN!! ***Be in your new home for the Holidays!!!***Welcome to Edgewood Estates conveniently located in the Queen Creek Corridor. Discover this stunning home featuring a spacious great room and gourmet kitchen with a large island, perfect for entertaining. With 4 bedrooms and 3 baths, including a luxurious primary bath with a resort-like shower and freestanding tub. Additional highlights include a media room, home office, and a 3-car tandem garage. This home combines elegance and functionality, offering a stylish and versatile living space for every need. ^^^Homes have been significantly discounted and have the option of short/long term interest rate buydowns when choosing our preferred Lender. Additional eligibility and limited time restrictions apply. Additional eligibility and limited time restrictions apply

4910 N 128th Lane Litchfield Park, AZ 85340

$694,900
4 Beds
3 Baths
2,912 SqFt
Status Active Under Contract
MLS # 6755197
Property Type Single Family Residence
Price Type --
Welcome to your dream home in the exclusive gated community of Wigwam South Vintage. This stunning single-level residence offers the perfect blend of elegance and comfort, featuring 4 spacious bedrooms and 3 beautifully appointed full baths. As you step inside, you'll be greeted by a seamless flow of sophisticated living spaces, highlighted by all-new gorgeous granite countertops in both the kitchen and baths. The kitchen is a chef's delight, boasting ample counter space, modern appliances, and a stylish design that makes cooking and entertaining a pleasure. The expansive living areas are designed to impress, with high ceilings and large windows that fill the space with natural light. The bedrooms and closets are spacious as are the living room and office/den area.

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