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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3708 E Laurel Lane Phoenix, AZ 85028

$670,000
2 Beds
2 Baths
1,592 SqFt
Status Active
MLS # 6776421
Property Type Single Family Residence
Price Type --
Welcome to the original Paradise Valley! Your new home has been sandblasted back to exposed brick for that old school feel. You'll notice the low sloping roofs popular of the mid-century modern homes. This is a Jeffries built home which means quality in construction. From the the first step in this Star of Paradise home you will notice the raised ceiling in the kitchen and dining areas, the gourmet gas oven range in the kitchen and the easy transition to the over sized backyard patio; the seller completed a full pool and deck renovation in 2021 complete with a 400K BTU pool heater for year around swimming, you will easily extend your indoor living to the vast outdoor space. Don't forget to check out the fun detached insulated and air conditioned laundry room. You will love this home!

43603 N 44th Lane Anthem, AZ 85087

$670,000
4 Beds
3 Baths
3,324 SqFt
Status Active
MLS # 6778395
Property Type Single Family Residence
Price Type --
Beautiful 2 story home in popular Anthem community. This 4 bedroom/3 bath has an office, loft and a 2 story open family room. A large laundry room with a sink and counter space. A welcoming mud room with a bench to change your shoes. Master bedroom has a nice setting area with double sinks, shower, tub and private toilet area. Granite counter top in kitchen and stainless steel appliances. Ceiling fans in every room, but one. Covered front and back patio with landscaping. Large backyard to play and enjoy the outdoors.

25615 S Ribbonwood Drive Sun Lakes, AZ 85248

$670,000
2 Beds
2 Baths
2,137 SqFt
Status Active
MLS # 6777179
Property Type Single Family Residence
Price Type --
GOLF COURSE LOT HAND-PICKED DURING THE GRAND-OPENING of PALO VERDE!! ENJOY VIEWS down 2 fairways! Owned Solar Electric System. Enter Lovely Home at RoseGarden. Luxurious Plantation Shutters, Vaulted Ceilings, Fans Throughout. Remodeled Kitchen and Baths .Dream Kitchen-Granite, Double Wall Ovens, Garden Window, Kitchenaide Stainless Steel Appliances. Formal Dining Rm. Family Rm VIEWS! Mirrored WetBar. Entertainment Center is optional.1st BRm 16X15! Amazing Views! Step out to Covered Patio on wide lot with Citrus Trees. Flowering Desert landscaping on auto-watering. Enjoy Jetted Spa Bath. Beautiful Travertine Showers in Both Baths. 2nd BRm15x14! Has built-in Office. 5ft extended Garage+ GOLF CART garage! HANDICAPPED FEATURES. ¼ MILE TO PRIVATE Palo Verde Clubhouse, Pools. Guarded 24/7

2821 W Libby Street Phoenix, AZ 85053

$670,000
5 Beds
3 Baths
2,636 SqFt
Status Active
MLS # 6713274
Property Type Single Family Residence
Price Type --
Welcome to your dream home, a one-of-a-kind custom-built masterpiece that exudes elegance and sophistication. Built in 2019, this is the newest two-story house on the block, featuring a grand entry with a stunning wood door that sets the tone for the luxury within. This exceptional residence offers unparalleled luxury and modern amenities, ensuring a lifestyle of comfort and convenience. With five generously sized bedrooms, there's ample space for family, guests, or even a home office. Each bedroom is designed to provide maximum comfort and privacy, complemented by three beautifully appointed full bathrooms with high-end fixtures and finishes, offering a spa-like retreat for your daily routine.The heart of the home features custom cabinets and top-of-the-line stainless steel appliances, perfect for the home chef. Granite countertops add a touch of elegance to the kitchen's open layout, which is ideal for entertaining and family gatherings. The living spaces are adorned with stunning wood floors, and the grand wood staircase adds warmth and charm to the interior. Vaulted ceilings create an airy and spacious ambiance, while double wide patio glass doors seamlessly connect the indoors with the outdoor living areas. For those with a passion for travel, the RV gate provides convenient storage and access for your recreational vehicles, making it easy to embark on your next adventure. The home is equipped with two high-efficiency air conditioning units, ensuring comfort throughout the year. Energy-efficient windows by Milgard and foam insulation enhance the home's sustainability and energy savings. Recessed lighting throughout the home provides a modern touch and brightens every corner. The garage features an 8-foot door with extended height, perfect for larger vehicles. Additionally, the oversized water heater ensures that you'll never run out of hot water. The extended back patio is perfect for outdoor living and entertaining, complete with electrical wiring for up to three ceiling fans. The backyard also features a full-size shed for extra storage and is enclosed by a block stucco wall for added privacy and security. The home also boasts a comprehensive salt water filtration system for clean and healthy living. The exterior of this custom-built gem boasts a stylish stucco finish, adding to its unique architectural design. Every detail of this home has been thoughtfully designed to offer the utmost in modern living. From the open-concept living spaces to the high-quality materials used throughout, this home is the epitome of luxury. This property is not just a house; it's a lifestyle. Don't miss the opportunity to own this extraordinary home that combines unique design, luxurious features, and modern amenities. Schedule a private tour today and experience the beauty and elegance of this exceptional property.

16074 W Cortez Street Surprise, AZ 85379

$670,000
4 Beds
3.5 Baths
3,348 SqFt
Status Active
MLS # 6691064
Property Type Single Family Residence
Price Type --
***Motivated Seller*** Gorgeous two-story home nestled in the highly desirable community of Greer Ranch with indoor-outdoor resort-style living. As you walk through the courtyard with mature landscaping you will enjoy its timeless beauty. This spacious 4 bedrooms/3.5 bathrooms with 1 bedroom & 1.5 bath located downstairs flows seamlessly from room to room. Large master suite, master bath vanity has granite counter tops with double sinks, separate shower, relax while soaking in the large garden tub. Nice size master walk-in closet will check all your boxes! A cozy family room with new carpet. Gorgeous eat-in-kitchen is fit for entertaining and features granite counter tops, island for extra prep & storage, stainless steel appliances, gas stove/oven, R/O drinking water system. Head upstairs to a large loft, master suite & bath, 2 bedrooms & second bath also with granite counter tops. Ceiling fans throughout. Resort-style desert oasis backyard features covered patio, travertine decking throughout the back yard, sparkling saltwater pool that includes a water feature and electric heating /cooling system to help with the colder nights and warmer days, and lighting to give it that amazing ambiance. Gorillas' basketball hoop with concrete court. 3 car extended garage with a 2/1 split. Gated dog run with dog door. This home also includes automated smart home switches and paid solar system to help with energy cost. This home is ideally located less than a few minutes from Route 303, premier dining, shopping, entertainment and much more. This home is truly a must see! Don't miss your chance to own this distinctive home and start making heart warm memories with your friends and family!

3535 W Morgan Lane San Tan Valley, AZ 85144

$670,000
5 Beds
3 Baths
3,190 SqFt
Status Active
MLS # 6720802
Property Type Single Family Residence
Price Type --
Nestled in the desirable San Tan Heights community, this 5-bedroom, 3-bathroom home offers comfort and style to impress even the most discerning buyers. The spacious newly painted home features a renovated kitchen, luxury vinyl flooring, and an inviting living space with an abundance of natural light flooding through. The gourmet kitchen is a chef's dream featuring high-end stainless-steel appliances, quartz counters and a huge island with plenty of storage. The master suite boasts a full bath with double sinks, a private toilet room, and a separate shower and tub. Outside, a private pool with a waterfall rock feature awaits, perfect for relaxing or entertaining. Three car garage with your own Tesla high speed charger. Don't miss out on this Arizona oasis!

1450 W Sea Haze Drive Gilbert, AZ 85233

$670,000
5 Beds
3 Baths
2,690 SqFt
Status Active
MLS # 6739431
Property Type Single Family Residence
Price Type --
Welcome to the Islands in Gilbert. Seller is offering $5,000 credit toward buyers closing costs/rate. Offering premier lake views, amenities, and tropical feel. The community comes with 74 acres of lakes, 30 acres of grass and miles of walking/biking trails This rare 5 bed/ 3 bath 3 car garage boasts many upgrades. Including fully remodeled kitchen, cabinets, tiled bathrooms, along with new pool system and plaster. Spacious floor plan is great for all your hosting needs with many restaurants and amenities nearby. You are not just buying a home, you are investing in a lifestyle and premier community. Don't miss out, this is one of a kind!

1803 E Dava Drive Tempe, AZ 85283

$670,000
3 Beds
2.5 Baths
2,245 SqFt
Status Active
MLS # 6741645
Property Type Single Family Residence
Price Type --
Beautiful Cul-de-sac Tempe home located in a lake community. This 3 bedroom, 2.5 bath home with a loft is immaculate and move in ready! Many recent upgrades and Vaulted ceilings, plantation shutters and neutral ceramic tile flooring in the right places. The large kitchen includes granite counters, island and ss appliances. All 3 bedrooms and a large loft are located upstairs. The primary bedroom features a fully updated showstopper of bathroom including custom barn doors and a walk-in closet equipped with custom cabinetry. Resort style backyard is a dream, and features include an Aluma wood covered patio, high-end travertine that carries out to surround the sparkling Pebble Tec pool with a custom water feature and new equipment. Lastly take a stroll around the community lake a few steps away from the home. Short list of updates: New HVAC in 2022 New kitchen appliances in 2022 New exterior paint in 2022 Remodeled backyard in 2020 including pool resurface, expansion of pergola and custom travertine. All windows including slider replaced in 2020 with Anderson Windows Interior bathrooms fully remodeled in 2019

4133 E Sidewinder Court Gilbert, AZ 85297

$670,000
4 Beds
2.5 Baths
2,502 SqFt
Status Active
MLS # 6756461
Property Type Single Family Residence
Price Type --
New Paid Solar! New pool, New AC, New flooring, New windows, New patio doors, granite countertops, extended kitchen island, stainless steel appliances, a tiled backsplash, and wine fridge. New non slip floors, and carpet. This 4 bedroom, 2.5t bathroom home in the heart of the coveted community of Power Ranch has been remodeled and upgraded from top to bottom w/ over $130k in upgrades. Has ample kitchen storage, a custom living room fireplace and spacious living areas. The oversized primary bedroom suite is complete with an extended private balcony, his and hers vanities, a huge soaking tub, a tiled walk-in shower and plenty of closet space. Enjoy the extended covered patio, crystal blue pool and spa, low maintenance landscaping, a built-in fire pit and relaxing seating under the pergola Upgrades on Home

4334 N Pioneer Drive Litchfield Park, AZ 85340

$670,000
3 Beds
2.5 Baths
2,851 SqFt
Status Active
MLS # 6763405
Property Type Single Family Residence
Price Type --
This Beautiful home looks like a model home! Over $100k in Upgrades. 3 beds, 2.5 bath, 3 car garage. Has Everything you could possibly want plus Mtn views & City light views. From Upgraded Chef's Kitchen, Quartz Counters, Huge loft, Custom Plantation Shutters, Butler's Pantry, not 1 but TWO large walk-in Pantrys, Upgraded carpet & pad upstairs, Hardwood floors downstairs, Surround Sound t/o hm, Tray ceiling in foyer, great rm & Primary rm and Custom Super Shower in Primary Bathroom. Check out the detailed Upgraded list in the docs tab. Plus it is across the street from a park, 1.5 miles from Verrado G.C., and all the amenties in Verrado.

2156 E Aloe Place Chandler, AZ 85286

$670,000
4 Beds
2 Baths
2,154 SqFt
Status Active
MLS # 6774726
Property Type Single Family Residence
Price Type --
Your single story, gorgeous new home is situated on a highly desirable corner lot offering north/south exposure and total privacy in the backyard! With 4 beds (2 on each side of the house), 2 baths, 2-car garage, RV gate and desert landscaping, this home was remodeled in 1/22 to include all new LVP flooring, 5'' baseboards, interior paint, light fixtures, ceiling fans, quartz kitchen & laundry room counters, quartz backsplashes, under counter and cabinet lighting, kitchen & laundry room sinks and faucets, microwave & dishwasher. Several non-load bearing, decorative walls & columns were removed to create a wonderful open floor plan. New heating & ac installed 4/23, at which time, extensive duct cleaning was also performed. En suite primary includes dual sinks, jetted tub, walk-in shower.. ...walk-in closet & french doors leading to your very private backyard. Just outside, you'll be serenaded by the soothing sound of water trickling down the rock waterfall into your Pebble Tec swimming pool with a Baja shelf. The best part is there are no two-story neighbors surrounding your backyard! The front yard landscaping was professionally designed and installed in 2022 to include upgraded PVC piping and extensive lighting for an inviting presence at night. Welcome home!

26811 N 21st Drive Phoenix, AZ 85085

$670,000
5 Beds
3 Baths
3,061 SqFt
Status Active
MLS # 6770525
Property Type Single Family Residence
Price Type --
This home has it all—style, space, and smart upgrades to fit modern living. Get ready to fall in love with this light-filled beauty tucked away in the desirable Valley Vista community! This 5-bedroom, 3-bath gem welcomes you with soaring vaulted ceilings, a bright and open floor plan, and modern updates that make it truly move-in ready. Whether you're hosting friends or enjoying quiet family time, the airy main living space sets the perfect vibe with its neutral palette and seamless flow. ✨ Updated Kitchen - A Chef's Dream: The heart of the home is a fully remodeled kitchen (2020) featuring sleek new cabinetry, Quartz countertops, and a large island perfect for entertaining or enjoying your morning coffee. 🛏️ Retreat to Your Master Oasis: The spacious master s a walk-in closet and a spa-like en-suite bath complete with dual sinks, a soaking tub, and a walk-in showeryour own private escape after a long day. =Ë Extra Living Space on the Second Floor: Upstairs, a spacious loft offers endless possibilitiesgame room, home office, or even a cozy reading nook. < Mountain Views + Outdoor Perfection: Step outside to your upgraded backyard oasis featuring a covered patio and lush turf (added in 2022)perfect for weekend barbecues or relaxing under the stars. And did I mention those stunning mountain views? It's the kind of setting you'll never get tired of. < Upgrades Galore! This home has been meticulously updated for comfort and efficiency: Luxury vinyl plank flooring (2020)stylish, durable, and low maintenance Energy-efficient windows, doors, and solar panels (2022)lower utility bills and greener living New insulation (2022) for year-round comfort Modern ceiling fans & updated lighting fixtures (2020) throughout =Í Prime Location: With quick access to I-17, the 101, and Norterra's shopping, dining, and entertainment options, everything you need is just minutes away. This home has it allstyle, space, and smart upgrades to fit modern living. Homes like this don't last long in Valley Vista. come see see for yourself why this one is truly special! <

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