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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6608 N Cima Vista Drive Casa Grande, AZ 85194

$694,000

3 Beds

2.5 Baths

2,393 SqFt

Status Active

MLS # 6710519

Property Type Single Family Residence

Price Type --

Welcome to your dream home! This exquisite 3 bedroom, with a versatile den, 2.5-bathroom residence offers 2,393 square feet of luxurious living space, situated on a sprawling 1-acre lot with no rear neighbors. The stunning natural surroundings offer unparalleled desert, mountain, and sunset vistas, creating a serene and picturesque backdrop for your new home. The interior features a spacious great room that flows seamlessly into a gourmet kitchen, making it perfect for entertaining. The kitchen boasts upgraded stainless steel appliances, granite countertops, 42-inch soft-close cabinets, a walk-in pantry, an island with breakfast bar seating, and elegant pendant lighting. The private owner's retreat serves as a tranquil escape, featuring a large en-suite bathroom with a dual sink vanity, an oversized walk-in tiled shower, and a generous walk-in closet. Additional bedrooms and a den provide ample space for family, guests, or a home office, with luxury vinyl plank flooring in all bedrooms, plus ceiling fans throughout. This home also includes a massive 47x15 ft RV garage, an additional 2-car tandem garage, and a 1-car garage, complete with an RV clean-out located right outside the RV garage. Tons of natural light flood the home, highlighting the upgraded lighting fixtures, door hardware, and the brand new Polywood Plantation Shutters installed throughout. Tile plank flooring in the common areas and stylish 2-tone paint enhance the modern convenience and aesthetic appeal. The exterior of this property is just as impressive, with its expansive 1-acre lot providing privacy and space for outdoor activities. A small section of the backyard is fenced in with Vinyl fencing, plus enjoy the covered patio with ceiling fans installed to help keep you cool! This home is the perfect blend of modern luxury and natural beauty. Please do not show up to the property unannounced!

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26119 S 196th Street Queen Creek, AZ 85142

$694,000

3 Beds

2 Baths

1,571 SqFt

Status Active

MLS # 6738050

Property Type Single Family Residence

Price Type --

Discover your dream equine retreat in the heart of Queen Creek! This charming country farmhouse is nestled on 1.2 flat acres of premium horse property, offering breathtaking views of the majestic San Tan Mountains. Situated on a County Island with no HOA, this home is designed with horse enthusiasts in mind. The property features three shaded stalls, an expansive grooming and tack area, and a nearly new tack shed, ensuring all your equestrian needs are met. Enjoy the generous turnout and riding area, complete with a 50-foot round pen that's perfect for training and exercise. The inviting farmhouse has recently undergone thoughtful renovations, including fresh paint, new vinyl flooring, contemporary baseboards, a stylish breakfast bar, and new blinds throughout the home. The guest bathroom has also been beautifully remodeled, adding to the home's charm and functionality. This property is truly a haven for horse loversbring your horses, your toys, and make this picturesque home your own! Located just minutes from Horseshoe Park & Equestrian Center, miles of picturesque riding trails, and an abundance of shopping and dining options, you'll have everything you need right at your fingertips. Don't miss this exceptional opportunity to own a slice of equestrian paradise, where country living meets city convenience!

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501 W Surrey Avenue Phoenix, AZ 85029

$694,000

4 Beds

2 Baths

2,581 SqFt

Status Active

MLS # 6755688

Property Type Single Family Residence

Price Type --

NEWLY REDUCED!! Don't miss this beautifully remodeled gem! Nestled in the highly sought-after Moon Valley neighborhood on a large spacious 0.23-acre corner lot, this 4-br, 2-bath home is updated with no detail overlooked. A split floor plan, 3 large bedrooms and a large primary suite with a relaxing ensuite bath features a separate shower and sunken tub. This home has been lovingly cared for and immaculately maintained, showcasing modern upgrades while preserving its charm. The expansive backyard provides endless opportunities for outdoor entertainment, relaxation, or even adding a future pool. A large covered patio offers plenty of shade and the perfect spot to enjoy breathtaking views of North Mountain. Enjoy easy access to hiking trails. Close to elementary, middle and high schools.

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15416 W Valentine Street Surprise, AZ 85379

$694,000

4 Beds

3.5 Baths

3,523 SqFt

Status Active

MLS # 6768034

Property Type Single Family Residence

Price Type --

Welcome to Marley Park! This desirable subdivision is well known for its amenities and sense of community. This absolutely gorgeous and well taken care of 3500+ sq ft home is one of the largest if not the largest single story home around. Home sits on a premium lot adjacent to Discovery park. Unique split floor plan is great for families, featuring a complete guest suite in front of the home and a secluded office in the master suite. Beautifully appointed kitchen featuring granite countertops, travertine backsplash, staggered cabinets, island with breakfast bar, and newer stainless steel appliances. Long list of features including: AC units 1 year old - 3 car tandem garage - Extended paver patio - Built in fire pit with seating area - Tuff shed - upgraded lighting and plumbing fixtures - newer interior paint - artificial turf in the front and back yard. Huge master suite with dual vanities, walk in shower, garden tub with attached office. If you are looking for a great place to raise a family, this home and community offers just that. Come visit today.

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5444 E Crescent Avenue Mesa, AZ 85206

$694,000

4 Beds

2.5 Baths

3,032 SqFt

Status Active

MLS # 6767756

Property Type Single Family Residence

Price Type --

Your dream home is within reach! Discover this beautiful 4-bed 2.5 bath home with a Pool, RV parking and, No HOA! Be greeted by a beautiful spacious courtyard w/skylights & exposed beams! Inside, you'll find a formal dining & a living room w/beehive fireplace & beamed ceiling. Continue into the open AZ room w/dual French doors & the lovely family room overlooking the kitchen. Delightful kitchen has ample cabinetry, a tile backsplash, SS appliances, & a pantry. The versatile den is ideal for an office or craft room ! The main bedroom offers access to its own patio area, a walk-in closet, & an ensuite w/two vanities. Entertainer's backyard boasts covered patio w/Ramada extended, built-in BBQ w/wet bar, refreshing pool, outdoor shower, & garden area, garage has built in workbench. Must see!

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23104 E Carriage Way Queen Creek, AZ 85142

$693,796

5 Beds

4 Baths

2,659 SqFt

Status Active

MLS # 6707568

Property Type Single Family Residence

Price Type --

JUST REDUCED!! FANTASTIC GREAT ROOM LOFT PLAN WITH MAIN BEDROOM DOWN, 5-BEDROOM, BEAUTIFUL FINISHES! SPA SHOWER IN MASTER, UPGRADED PAINTED TAUPE CABINETS, QUARTZ KITCHEN TOPS,, TILE BACKSPLASH,, GOURMET KITCHEN LAYOUT, UPGRADED VANITIES IN BATHS,, LVP FLOORING EVERYWHERE, EXCEPT BEDROOMS AND LOFT. ALL THIS, IN THE NEW PREMIER MASTER PLAN COMMUNITY, IN QUEEN CREEK, FEATURING A 22 ACRE LAKE. THIS IS THE CENTERPIECE OF THE COMMUNITY. KAYAKING AND CANOEING, AQUATIC CENTER WITH LAP AND SPORT POOL SPLASH PAD, BOCCE BALL, PICKLE BALL, BOARDWALKS AND RAMADAS THROUGHOUT AND MUCH MORE.. THE HOME INCULDES 2'' FAUX WOOD BLINDS, CEILING FANS, TANKLESS WATER HEATER+++ KATHERINE MECHAM BARNEY SCHOOL IN THE COMMUNITY.

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44615 N 44th Drive New River, AZ 85087

Open House

$693,305

4 Beds

2.5 Baths

2,745 SqFt

Status Active

MLS # 6756287

Property Type Single Family Residence

Price Type --

Welcome home to the popular Martina floorplan. This home welcomes you with an inviting courtyard, inside you'll find a split floorplan with 3 generously sized secondary bedrooms and walk in closets, a retreat in nestled in between these secondary bedrooms to use as an office, den, playroom or second living space. This home is architecturally upgraded with a gourmet kitchen, owners bath oasis featuring a drop in soaking tub, and a 12 foot center sliding glass door drawing you into the backyard. Designer features such as neutral wood plank tile flooring, bright white colored cabinets, decorative backsplash and quartz countertops finish off this highly upgraded home.

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7228 E Crimson Sky Trail Scottsdale, AZ 85266

$692,500

2 Beds

2 Baths

1,734 SqFt

Status Active

MLS # 6752863

Property Type Townhouse

Price Type --

GORGEOUS FURNISHED VILLA IN WINFIELD RESORT COMMUNITY available turn key, furniture, kitchenware, linens. This 2 bedroom + office/den Moondance floor plan features great room living, expansive kitchen that opens to the great room w/ a gas fireplace. The kitchen has newer appliances and a breakfast bar. The back patio has incredible VIEWS to Black Mountain, an elevated patio, canterra stone water fountain, fireplace, bar- b-que, mature desert landscape and saltillo tile. Inside you will find a warm and cozy SouthWest design, an office/den that can work as a temporary third bedroom w/ a pull out couch. Winfield offers resort style Clubhouse w/ community heated pool, therapy spa, 8 tennis courts (2 clay), pickleball courts, fitness center, hiking & biking trails, and many social programs.

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22514 E Saddle Court Queen Creek, AZ 85142

$692,089

5 Beds

3.5 Baths

3,340 SqFt

Status Active

MLS # 6773965

Property Type Single Family Residence

Price Type --

Last opportunity to own a Tri Pointe Home in Madera, featuring a remarkable, new, two-story home loaded with designer selections. The kitchen has a gourmet appliance package with 30'' gas cooktop and wall oven, a 12' center pull sliding glass door, concrete gray honed countertops. custom backsplash, upgraded Delta touch faucet in matte black, Benton birch burlap cabinets with upgraded knobs, and more! Other highlights include a Diamond super single bowl sink in Cinder, a frameless walk-in shower with tile surrounds, a downstairs en-suite with a walk-in shower, upgraded stainless steel plumbing fixtures and rectangle sinks at all baths, upgraded maple mission stained stair rail, 2 inch faux wood blinds throughout, upgraded interior paint in Snowbound, and square drywall corners.

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26428 N 22nd Avenue Phoenix, AZ 85085

$692,045

3 Beds

3.5 Baths

2,272 SqFt

Status Active

MLS # 6775288

Property Type Single Family Residence

Price Type --

Inventory home under construction with estimated completion in late 2024 . Our Serene Plan 491 features an open-concept great room, kitchen, and dining area, a spacious utility room and den downstairs, and private outdoor veranda. Upstairs, there are 3 bedrooms, including an owner's suite, with an expansive walk-in closet and 2 full baths. This home is professionally designed with quartz countertops in the kitchen and owner's bath, wood look tile floors, upgraded carpet and pad, gas cooking, and satin nickel faucets and hardware. The Retreat collection at Union Park features multiple parks, community pool, and rec center. Conveniently located with quick access to schools, shopping, restaurants, all the conveniences of urban living.

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1020 N Lakepoint Way Flagstaff, AZ 86004

Open House

$690,999

3 Beds

2.5 Baths

2,028 SqFt

Status Active

MLS # 6771472

Property Type Townhouse

Price Type --

Enjoy elegance and tranquility in this Lakepoint townhouse. Remodeled in 2012, new roof in 2023, freshly painted outside 2024. A quaint community of 25 townhouses in a cul-de-sac. 3 bedrooms upstairs, 1 full guest bath, 3/4 bath in primary, & a half bath downstairs, AC, forced air gas heat, composite deck, engineered hard wood flooring in entryway, living room, and loft, with tile flooring in kitchen & upstairs baths, with carpeting in all bedrooms. Plantation shutters on most windows with plenty of windows to allow the abundant Arizona sunshine in.

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44619 N 44th Drive New River, AZ 85087

$690,792

4 Beds

2.5 Baths

2,745 SqFt

Status Active

MLS # 6756292

Property Type Single Family Residence

Price Type --

Welcome home to the popular Martina floorplan. This home welcomes you with an inviting courtyard, inside you'll find a split floorplan with 3 generously sized secondary bedrooms and walk in closets, a retreat in nestled in between these secondary bedrooms to use as an office, den, playroom or second living space. This home is architecturally upgraded with a gourmet kitchen, owners bath oasis featuring a drop in soaking tub, and a 12 foot center sliding glass door drawing you into the backyard. Designer features create a clean and timeless feel, such as warm wood plank tile flooring, neutral light gray colored cabinets, bright white subway backsplash and quartz countertops to finish off this highly upgraded home.

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