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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16205 W Berkeley Road Goodyear, AZ 85395

$690,000

4 Beds

3 Baths

3,063 SqFt

Status Active

MLS # 6732622

Property Type Single Family Residence

Price Type --

Nestled in a tranquil neighborhood, this exquisite 4-bedroom, 3-bathroom property sits on a generous 9,100 sq ft lot. Enjoy ample space with large bedrooms and beautifully designed bathrooms. Whip up culinary delights in your spacious gourmet kitchen featuring double ovens, granite countertops, a gas cooktop, and a convenient kitchen island. Relax in the cozy family room or get some work done in the versatile office/den. Host gatherings in style with a charming courtyard and plenty of outdoor space for entertainment. Designed for maximum privacy and comfort, the split floor plan ensures everyone has their own space. This home combines comfort with functionality to meet all your needs.

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2504 S Betty Street Gilbert, AZ 85295

$690,000

5 Beds

4 Baths

2,402 SqFt

Status Active

MLS # 6741043

Property Type Single Family Residence

Price Type --

Fantastic opportunity! Discover this charming residence, adorned with elegant stone accents and a meticulously maintained front yard. You're welcomed by a great room with high ceilings, a soothing palette, blinds for privacy, wood-look flooring, and a cozy fireplace. The kitchen features quartz counters, grey shaker cabinets with crown moulding, a subway tile backsplash, pendant/recessed lighting, SS appliances, a pantry, and an island with a breakfast bar. The loft offers a versatile space for an office or entertainment room. Retreat to the main bedroom, complete with plush carpeting, balcony access for refreshing outdoor moments, an ensuite with dual sinks, and a walk-in closet. The backyard boasts a covered patio, stylish pavers, and a putting green for golf enthusiasts. Casita/ Solar!

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3784 E Wisteria Drive Chandler, AZ 85286

$690,000

3 Beds

2 Baths

2,106 SqFt

Status Active

MLS # 6747042

Property Type Single Family Residence

Price Type --

Step into a world of luxury with this better-than-new 3-bedroom, 2-bathroom masterpiece located in one of Chandler's most coveted neighborhoods. From the moment you enter, you'll be captivated by the modern elegance and thoughtful design that defines this home. The heart of this residence is its stunning kitchen, a true culinary haven. Adorned with custom cabinetry and polished granite countertops, this space is both a chef's dream and an entertainer's delight. The kitchen seamlessly flows into the expansive great room, where a sophisticated fireplace serves as the perfect focal point for cozy Arizona winter nights. Designed with privacy and comfort in mind, the split floor plan features a master suite that is nothing short of spectacular. Indulge in the spa-like master bathroom, complete with a spacious walk-in shower, a chic makeup vanity, and a walk-in closet that will leave you in awe. The beauty of this home extends to the outdoors, where a massive sliding door in the great room leads to your private oasis. Enjoy Arizona's beautiful weather in your pebbletec pool, surrounded by low-maintenance turf, making this backyard as functional as it is beautiful. This home also boasts a rare 3-car tandem garage, offering ample space for your vehicles, storage, or even a home gym. Whether you're looking for your forever home or a savvy investment, this Chandler gem seamlessly blends style, comfort, and practicality. Don't miss the opportunity to make this exceptional property your own!

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7769 Emily Way Flagstaff, AZ 86004

$690,000

3 Beds

2 Baths

2,053 SqFt

Status Active

MLS # 6746120

Property Type Single Family Residence

Price Type --

MILLION DOLLAR UNOBSTRUCTED VIEWS! Welcome to this sprawling 2.5 acre lot featuring animal facilities, raised garden beds, and more! This property has been meticulously cared for and boasts new exterior and interior paint. The 4-car garage is perfect for a workshop or car enthusiasts alike. The home features 3 bedroom and TWO bonus rooms. The living space offers large windows that frame the San Francisco Peaks. Doney Park is known for its expansive landscapes, this area offers a unique blend of country living with proximity to the amenities of Flagstaff. Residents here. enjoy stunning views of the San Francisco Peaks, access to outdoor activities like hiking, biking, and horseback riding.

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3651 E Donato Drive Gilbert, AZ 85298

$690,000

6 Beds

5 Baths

3,575 SqFt

Status Active

MLS # 6751629

Property Type Single Family Residence

Price Type --

A spacious 6-bedroom, 5-bath home with 10' flat ceilings is located on a quiet street near Bridges Elementary School. This two-story residence offers a perfect blend of style and comfort. The main floor includes a guest suite with a private bath, another bedroom and bath, a formal dining room, and a gourmet kitchen featuring granite countertops, an island, and a large pantry. The bright family room with high ceilings opens to a low-maintenance backyard with a covered patio. Upstairs, the master suite features a walk-in closet, dual sinks, and a soaking tub. Four additional bedrooms, including two with a Jack and Jill bath, along with a loft and laundry room, complete the upper level. Ample storage, a built-in desk area, and a well-designed layout make this home move-in ready!

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14052 N 58th Street Scottsdale, AZ 85254

$690,000

3 Beds

2 Baths

1,408 SqFt

Status Active

MLS # 6760918

Property Type Single Family Residence

Price Type --

MOTIVATED seller offers this recently updated and customized home on an oversized lot backing and siding to maintained washes. Interior of home is light and bright with an open kitchen with large breakfast bar that opens to a great rm floorplan. Granite counters in kitchen and baths, tons of recessed lighting, solar tubes and plank flooring thru-out. Outside offers classy wrap around covered patios with auto shades plus a separate patio with private hot tub! An amazing cooled and heated 345 sq ft 3rd car garage or workshop w/casita potential is accessible thru a breezeway to main house. Rv gate w/electric opener for your toys plus two customized storage sheds. See document section for more update/upgrade information. No expense spared evident throughout this special home!

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41319 N River Bend Road Phoenix, AZ 85086

$690,000

3 Beds

3 Baths

2,038 SqFt

Status Active

MLS # 6778560

Property Type Single Family Residence

Price Type --

Welcome to your dream retreat in the Anthem Country Club! This stunning home features breathtaking mountain & golf course views from every window, making it a true desert oasis. With the HVAC in both the main house and guest casita replaced in 2022, this property offers comfort & efficiency year-round.The spacious, well-appointed kitchen is perfect for preparing meals or hosting gatherings, with an open-concept design that flows seamlessly into the living area, highlighting the serene backyard views.Step outside and enjoy dining al fresco while taking in magnificent sunsets, and relax by the cozy beehive gas fireplace. The detached casita provides a private space for guests, enhancing the home's versatility and charm. Don't miss this opportunity to live the country club lifestyle.

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4072 E Yucca Street Phoenix, AZ 85028

$690,000

3 Beds

2 Baths

1,912 SqFt

Status Active Under Contract

MLS # 6753091

Property Type Single Family Residence

Price Type --

Beautiful single level home nestled on quiet street in coveted Phoenix location. Charming curb appeal greets you upon arrival at this meticulously maintained property that rests on a prime oversized lot. Stroll through private courtyard into inviting entry of this light & bright residence that features gorgeous LVP flooring and fresh carpeting throughout. Kitchen boasts granite counters, newer cabinetry, and SS appliances. Sensible floor plan with formal dining space, game room/den, & great room with slider that opens to exterior for easy indoor/outdoor lifestyle. Low maintenance backyard is an entertainers dream with covered patio & sparkling pebble tec pool. Longtime owners have made all the updates including newer dual pane windows & a whole home water filtration system. Prime location surrounded by shopping, dining, golf, and the upscale PV Mall redevelopment project. Steps to Cholla Cove Park and easy freeway access. Additional upgrades/bonuses include 2 car garage, all new irrigation, RV gate, shed, and fresh interior/exterior paint. A true gem of a property waiting for new owner!

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14042 N 44th Street Phoenix, AZ 85032

$690,000

4 Beds

2 Baths

1,937 SqFt

Status Active

MLS # 6744174

Property Type Single Family Residence

Price Type --

Discover this 4-bedroom gem just 2 minuets from PV Reimagined, Costco, Target, and more. Step inside to find tile flooring throughout and a soothing color palette that creates a tranquil ambiance. Spacious living room flows seamlessly into the great room, highlighted by a stone-accented fireplace, perfect for cozy evenings. Kitchen is a chef's delight, equipped with stainless steel appliances, white cabinets, granite counters, and a peninsula with a breakfast bar. Retreat to the main bedroom, offering direct backyard access and a private bathroom with dual sinks and unique glass block shower walls. The expansive backyard is an oasis with a covered patio, play area, and a fenced-in pool, ideal for entertaining and relaxation. Make this stunning home yours today List of 44th st home updates or improvements: 2019 - Dishwasher and Hot water heater replaced 3/10/21 - Installed new American standard HVAC July 2023 - Installed new luxury vinyl flooring in all bedrooms 3/29/24 - Full roof and vent replacement 6/2/24 - Exterior painted

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2682 E Dublin Street Gilbert, AZ 85295

Open House

$690,000

4 Beds

2.5 Baths

3,308 SqFt

Status Active

MLS # 6768599

Property Type Single Family Residence

Price Type --

Seller may consider buyer concessions if made in an offer. Welcome to your dream home, beautifully updated with a fresh interior and exterior paint in a neutral color scheme. The kitchen is a chef's delight with a center island, accent backsplash, and a walk-in pantry for ample storage. Retreat to the primary bedroom featuring a walk-in closet and double closets for all your storage needs. The primary bathroom is a spa-like oasis with double sinks and a separate tub and shower. Outside, enjoy a covered patio perfect for outdoor dining and a fenced-in backyard for privacy. This home has also undergone partial flooring replacement, enhancing its modern appeal. Don't miss this rare opportunity to own a home that combines style, comfort, and functionality.

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16814 E Palm Beach Drive Queen Creek, AZ 85142

Open House

$690,000

4 Beds

3 Baths

2,313 SqFt

Status Active

MLS # 6729133

Property Type Single Family Residence

Price Type --

Seller may consider buyer concessions if made in an offer. Welcome to this elegant property featuring a neutral color scheme and a cozy fireplace, RV gate, a three car garage and no HOA. Bring your toys! The kitchen is a chef's dream, with a center island, and stainless steel appliances. Travertine tile in the right places. The primary bedroom includes a walk-in closet and an en-suite bathroom with double sinks, a separate tub, and a shower. Enjoy the outdoors on the covered patio, dip in the private in-ground pool, or relax in the fenced backyard. The home has fresh interior paint and partial flooring replacement, adding to its charm. This property is a perfect blend of comfort and style.

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3931 S Hollyhock Place Chandler, AZ 85248

Open House

$690,000

3 Beds

2 Baths

1,961 SqFt

Status Active

MLS # 6775609

Property Type Single Family Residence

Price Type --

Located in the highly sought after Ocotillo community in Chandler, this stunning home offers both luxury and convenience. The neighborhood is known for its scenic lakes, walking paths, and world-class golf courses. With major employers like Intel, PayPal, and Orbital Sciences nearby, along with top-rated schools, shopping, and dining options just minutes away, this location provides the perfect blend of work, lifestyle, and leisure. This spacious 3-bedroom, 2-bathroom home with a den has been beautifully upgraded. The resurfaced pool, featuring new tiles, pebble tech finish, and a new pump, creates a resort-like backyard oasis. Thoughtful touches like updated lighting, fresh turf, and new rock landscaping enhance the ambiance, while cement pavers provide the perfect spot for grilling and gathering around a fire pit. Inside, the home boasts modern light fixtures, elegant plantation shutters, and fresh paint throughout, offering a bright and polished feel. The remodeled guest bathroom includes a stylish new tub, shower, vanity, and mirror, adding a touch of luxury. This move-in ready home offers a perfect combination of modern upgrades and an unbeatable location.

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