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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6850 E Mcdowell Road Unit 7 Scottsdale, AZ 85257

$689,999

3 Beds

2.5 Baths

1,759 SqFt

Status Active

MLS # 6723887

Property Type Townhouse

Price Type --

Aire Luxury Living Is Here! Your new 3 bed, 2.5 bath townhouse is waiting for you to move in. A unique opportunity to own a 3 story end-unit, private rooftop home. Fully loaded kitchen is a chef's dream with counter space and storage you are looking for. First floor rec with laundry room, second floor living room opens to large balcony, third floor living quarters all with natural lighting and 10 foot ceilings. Entertain guests from home, use turf pathways for your fury friends, community gym pairs well with large pool, there is just no reason to leave. With views of Papago Park and Camelback Mountain, you are just minutes away from Downtown Scottsdale. Hiking, biking and local amenities are a huge plus.

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7689 W Tether Trail Peoria, AZ 85383

$689,990

3 Beds

2.5 Baths

2,197 SqFt

Status Active

MLS # 6707350

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 Spanish 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 stained shaker style cabinets with crown molding, Carrara Breeze quartz countertops, 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

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6728 N 190th Drive Waddell, AZ 85355

$689,990

3 Beds

2.5 Baths

2,397 SqFt

Status Active

MLS # 6739349

Property Type Single Family Residence

Price Type --

It's the very spacious Carmona on a large lot. 3 bedrooms + study, 2.5 baths, Multi slide door perfect for entertaining off of your extended covered patio. Large walk in shower at owner's bath. Brick pavers at porch, drive, and walk. 8' tall garage door opener with two remotes, garage service door for easy access to the backyard. Stainless steel gas appliance package with 36'' cooktop and canopy hood for the cook in the family. Slate (gray) cabinets with 42'' kitchen uppers and pull out trash drawer. AZT Himalaya white granite tops in kitchen and at the enhanced kitchen island. Upgrade flooring includes 5'' base boards and 3 1/4'' door casings throughout the home. EMS Novales 12x24 Astra tile in all areas of the home except bedrooms and closets. Estimated completion September.

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19020 W Ocotillo Road Waddell, AZ 85355

$689,990

4 Beds

3 Baths

2,588 SqFt

Status Active

MLS # 6739358

Property Type Single Family Residence

Price Type --

It's the stunning Benissa with 4 bedrooms, 3 baths, formal dining, courtyard, covered patio. 12'x8' sliding glass door off the great room for easy access to the back yard. Garage service door, Pavers at drive, walk and entry. Kitchen upgrades includes stainless steel gas appliance package with 36'' cooktop, wall oven, glass canopy hood. Linen-off white cabinets throughout with 42'' kitchen uppers, pull out trash drawer/ AZT Silver Falls granite in kitchen including the enhanced kitchen island. Stainless steel undermount single bowl sink. Upgrade flooring includes 5'' baseboards and 3 1/4'' door casings. EMS Cabo II 17x17 Ocean tile in all areas except beds & closets. Two tone interior ''Whiskers' paint. Soft water loop, gas stub for future BBQ. Estimated completion September.

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866 W Flatiron Trail Apache Junction, AZ 85120

$689,990

4 Beds

3 Baths

2,607 SqFt

Status Active

MLS # 6750774

Property Type Single Family Residence

Price Type --

Up to 3% of base price or total purchase price, whichever is less, is available through preferred lender plus additional 2% of base price or total purchase price, whichever is less, is available to be used toward closing costs, pre-paids, rate buy downs, and/or price adjustments. The Livorno floor plan offers a stylish single-story design with four bedrooms, an All Gen suite, and a spacious flex area ideal for an office, TV room, or study. The home includes front yard landscaping and will be ready for occupancy in October. Conveniently located near community parks, grocery stores, and a variety of dining options.

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7601 W Smoketree Drive Peoria, AZ 85383

$689,990

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

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2428 W Rowel Road Phoenix, AZ 85085

Open House

$689,990

3 Beds

3.5 Baths

2,455 SqFt

Status Active

MLS # 6755372

Property Type Single Family Residence

Price Type --

Welcome to your NEW HOME at Aster in Union Park! 2,455 sq ft of living space with 3 bedrooms, 3.5 bathrooms, Loft and a 2-car garage. All three bedrooms have their own bathroom. Highly upgraded Elite package of upgrades including 42'' white cabinets, marble quartz countertops, custom backsplash, a large island, GE Cafe' stainless-steel Refrigerator & gas appliances & Blanco Valea single bowl sink. Upgraded 8x40'' tile and carpet, 2'' blinds and more! 2 car garage has 18' wide door. Union Park, residents can indulge in amenities including a 5800 sq ft clubhouse, Resort pool, Pickleball courts, playgrounds, basketball courts and 11 Parks. Central Location to nearby shopping, dining and entertainment. Access to 3 different freeways within 15 minutes and be at the airport in 30 minutes.

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6121 E Vernon Avenue Scottsdale, AZ 85257

$689,990

3 Beds

2 Baths

1,868 SqFt

Status Active

MLS # 6753488

Property Type Townhouse

Price Type --

The home is fully remodeled and looks amazing. The property is completely turnkey and boasts a wealth of new features: Triple-pane windows in all bedrooms Custom triple-pane sliding windows Elegant custom shower enclosures Thoughtfully designed custom closet systems Razor-sharp tile, wood burning fireplace Brand new bath vanities New Upgraded cabinets throughout Beautiful granite countertops Modern light fixtures Fully remodeled showers with new fixtures Backlit LED mirrors with defog function in the master bath Outside, the landscaping has been freshly installed, a worry-free irrigation system. Anderson installed all windows and sliding doors. Family-friendly! Minutes form Arcadia, Papago park, Scottsdale Fashion square&Camleback Corrider.

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2038 W Desert Forest Trail Phoenix, AZ 85085

$689,990

3 Beds

2 Baths

2,189 SqFt

Status Active

MLS # 6699404

Property Type Single Family Residence

Price Type --

Up to 3% of base price or total purchase price, whichever is less, is available through preferred lender plus additional 2% of base price or total purchase price, whichever is less, is available to be used toward closing costs, pre-paids, rate buy downs, and/or price adjustments. Move-in ready, the elegant Barletta single-story home faces a park and features an open floor plan with 3 bedrooms, 2 baths, a den, and a bonus room. The Owner's Suite has a luxurious walk-in shower. The chef's kitchen boasts a gas cooktop, linen-painted cabinets, quartz countertops, and a slider to a covered patio. Upgrades include stylish tile, carpet, an enhanced electrical package, and professionally designed desert landscaping. Enjoy comfort and convenience in this beautiful home.

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908 W Superstition Dr Drive Queen Creek, AZ 85140

$689,980

3 Beds

2.5 Baths

2,748 SqFt

Status Active

MLS # 6760460

Property Type Single Family Residence

Price Type --

NEW Palo Verde COMMUNITY! Inviting 3 bed 2.5 bath plus Den single level home with 10' ceilings that you are sure to fall in love with. Chefs' paradise featuring gourmet kitchen w/ stacked cabinets, quartz countertops, high end appliances & a Morning Kitchen/Butler's Pantry. The primary bedroom is very spacious, and the primary bath features a very large walk-in shower that is a must see. Plus, a 4 CAR TANDEM GARAGE! Amenities galore at North Creek including pool, outdoor fireplace, BBQ's, basketball & pickleball courts, Parks & playgrounds, walking paths, exercise stations & a nature sensory park! Home is under construction and should be complete December 2024.

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3734 E Rochelle Circle Mesa, AZ 85215

$689,900

4 Beds

3 Baths

1,972 SqFt

Status Active

MLS # 6761892

Property Type Single Family Residence

Price Type --

Charming Urban Farmhouse style in new gated infill neighborhood. Now under construction, estimated Fall completion. Great infill location with desirable schools, EZ freeway access during the weekdays and a great gateway location for the weekends to head to the Salt River watershed lakes, mountains or a local hike! Nice finishes: 8' IRON front door, KitchenAid appliance pkg, white Shaker style cabinets with tall uppers w/ LED lights underneath Thick quartz kitchen tops, Subway tile backsplash. Wood look tile throughout, NO CARPET! 3 car tandem garage features a side door with paver path to front driveway. Stereo and Security prewire. 8' interior doors with oil rubbed bronze hardware and fixtures. Builder finance incentives. Taxes est. Most pics are of a model home.

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6907 E Pinchot Avenue Scottsdale, AZ 85251

$689,900

3 Beds

2 Baths

1,393 SqFt

Status Active

MLS # 6758050

Property Type Single Family Residence

Price Type --

Beautifully remodeled gem nestled in the heart of Scottsdale, AZ. This exquisite 3-bed, 2-bath home gleams a fresh, contemporary style with a fully cosmetic renovation that merges modern convenience with desert charm. Step inside to discover a bright and airy open floor plan, highlighted by sleek white shaker cabinets, pristine quartz countertops, and top-of-the-line stainless steel appliances. The spacious kitchen is a culinary delight, perfect for both everyday meals and entertaining guests. The highlight of the backyard is the large, inviting pool, perfect for relaxing or hosting gatherings under the Arizona sun.

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