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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6334 N 19th Street Phoenix, AZ 85016

$670,000

2 Beds

2 Baths

1,751 SqFt

Status Active

MLS # 6772914

Property Type Single Family Residence

Price Type --

This is a rare opportunity to own in the coveted Estate Monterra, built by acclaimed North Central home builder, the late Paul Staman. This is a charming community tucked away in a private and quiet enclave of 36 patio homes. The patio home has been taken care of meticulously & has only had two owners since it was built,.Beautifully and tastefully updated throughout! Gorgeous kitchen with gas range and lovely breakfast nook! One level, no steps, direct access to 2 car garage, block construction, plantation shutters. 2 beds/2 baths PLUS den. Dramatic wood burning fireplace. Back patio is a peaceful sanctuary. Amazing custom built-in bookshelves and cabinets throughout. Lovely hardwood floors. This is a pristine home. Fantastic location minutes to biking & walking paths, close to the... 51 & in the center of fabulous dining & shopping at the Biltmore & North Central. This is a wonderful permanent home or 2nd home. This is an absolute must see!

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5107 N 185th Avenue Litchfield Park, AZ 85340

$670,000

4 Beds

3.5 Baths

3,430 SqFt

Status Active

MLS # 6772884

Property Type Single Family Residence

Price Type --

Stunning Single-Family Home in Litchfield Park.This beautifully designed 4-bedroom, 3.5-bathroom home includes a private office and flex room, combining modern elegance with comfort in the heart of Litchfield Park. The open-concept living area offers natural light, showcasing high ceilings and premium finishes. The upgraded gourmet kitchen features quartz countertops, expresso cabinets, a generous island and walk-in pantry—perfect for both cooking and entertaining.The master suite offers a luxurious ensuite bathroom, complete with dual sinks, a spacious walk-in shower and walk-in closet. Each of the additional bedrooms provide ample space and comfort for family or guests.Step outside to your backyard sanctuary, fully landscaped with upgraded turf and pavers, ideal for relaxation or gatherings. Take advantage of nearby parks and recreational areas that Litchfield Park is known for. Conveniently located close to shopping, dining, and top-rated schools.

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14401 N 10th Place Phoenix, AZ 85022

$670,000

4 Beds

2 Baths

2,548 SqFt

Status Active Under Contract

MLS # 6744321

Property Type Single Family Residence

Price Type --

Looking for a Moon Valley Oasis? This unique four-bedroom property has million-dollar views, proximity to Lookout Mountain and North Mountain trails, and NO HOA! A biodiverse desert xeriscape supports a perfectly manicured cactus landscape with the shade of a Mesquite and Palo Verde tree in the front yard. Custom iron-wrought gates hide a secret garden in the backyard with tropical palms and producing-citrus trees. The secluded setting provides unbridled privacy. Entertain guests amongst the lavish PebbleTec pool, or in the spacious Arizona Room. The updated kitchen includes Bosch appliances, a Wine Fridge, and beautiful hand-crafted cabinets above a granite countertop, providing a unique space to cook and host. This is a must-see property. It will not last long on the housing market!

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3407 E Glacier Place Chandler, AZ 85249

Open House

$670,000

4 Beds

2 Baths

2,121 SqFt

Status Active

MLS # 6738533

Property Type Single Family Residence

Price Type --

FRESHLY PAINTED INTERIOR. BRAND NEW CARPET- COME TAKE A LOOK NOW!! Ready to move in. Exceptional single level 4 bedrooms 2 baths & Spacious 3 car garage home in popular gated community of Quail Springs in Chandler. Formal living & Dining room Updated Kitchen with Island overlooking the great room. Wired for surround sound. Kitchen cabinets and stunning granite countertops installed in 2024. Stainless Steel appliances The Refrigerator & Microwave replaced in 2023. Double Ovens Washer & Dryer installed in 2022 are included. Laundry room cabinet & Sink. Tile floor in kitchen baths and all traffic areas. Main bath with separate tub and shower. Walk-in closet with custom shelves. Dual sinks. Water Softener. RO System. Tankless water heater. Security System Borders common area with access to walking trail. Community offers large grass area and children playground Close to schools dining shopping and Citrus Vista Park. Come take a Look.

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842 E Cambridge Avenue Phoenix, AZ 85006

Open House

$670,000

3 Beds

2 Baths

1,823 SqFt

Status Active

MLS # 6752309

Property Type Single Family Residence

Price Type --

Located in the Phoenix Historic District, this 1941 residence offers a perfect blend of classic charm and contemporary upgrades. The bright, open floor plan features rich wood flooring, LED recessed lighting, and oversized windows that invite abundant natural light. The great room, complete with a gas fireplace, seamlessly connects to an upgraded kitchen boasting Thermador appliances, a white tile backsplash, and generous storage. A formal dining area and eat-in kitchen provide elegant spaces for dining and entertaining. The outdoor area includes a landscaped front and back yard, a tranquil patio, and a spacious side lot ideal for pets. Ideally positioned near a park and close to Phoenix Country Club, Sky Harbor Airport, Fashion Square Mall, dining, golfing, and major freeways. This home also includes a two-car garage and additional slab parking, making it an exceptional choice for those seeking a blend of historic character and modern amenities.

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4232 N 161st Avenue Goodyear, AZ 85395

$669,999

4 Beds

3.5 Baths

3,122 SqFt

Status Active

MLS # 6756990

Property Type Single Family Residence

Price Type --

4 Bedroom 3.5 Bath, 3 Car Garage & RV GATE. Custom Iron Gate Entrance into Private Courtyard. Beautiful Custom Tiled Entrance as you enter. TILE T/O except bedrooms. Open Floor Plan W/ Large Open Dining Area & Den. Great Room & GOURMET KITCHEN. Kitchen Features Beautiful GRANITE Countertops, Island, Stainless Steel Appliances, GAS STOVE ,DOUBLE OVENS, HUGE WALK IN PANTRY & 42'' CABINETS for Storage. PLANTATION SHUTTERS. Spacious Primary Suite with gorgeous bathroom w/ a Glass WALK-IN SHOWER, Separate Tub & double Sinks w/ Granite Countertops. 8' Interior Doors & 3 Secondary Bedrooms w/ Generous Closets. Garage W/ Cabinets & Overhead Storage Racks. Large Backyard professionally landscaped with ARTIFICIAL TURF & covered patio

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22705 E Roundup Way Queen Creek, AZ 85142

$669,990

3 Beds

2.5 Baths

2,702 SqFt

Status Active

MLS # 6770665

Property Type Single Family Residence

Price Type --

''Discover the highly sought-after Craftsman style Topaz floorplan, featuring 3 spacious bedrooms, 2.5 luxurious baths, and a versatile bonus room tailored for your lifestyle. The 6x36 wood plank tile flooring adds warmth and charm throughout the living areas. Step inside and be inspired by the gourmet kitchen, perfect for any culinary enthusiast. It boasts a 5-burner gas cooktop, built-in oven and microwave, and a stylish chimney hood. The white shaker cabinets with crown molding harmonize beautifully with the white quartz countertops and subway tile backsplash. Enjoy seamless indoor-outdoor living with a stunning 4-panel sliding door that floods the space with natural light. Retreat to the primary suite, featuring an enlarged tiled shower for a spa-like experience. Additional highlights include a convenient butler's pantry, an electric car charger package, and extra wiring for lighting and fans throughout the home. Thoughtful details like 8' interior doors, 4¼ baseboards, and a laundry-to-closet interior door enhance both functionality and style. Plus, benefit from pre-plumbing for a sink and water softener, perfectly suited to your needs. With a double gate and modern amenities designed for today's living, this Craftsman Topaz offers the perfect blend of comfort and elegance. Don't miss the chance to make this exceptional home your own!

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3249 W Via Dona Road Phoenix, AZ 85083

$669,990

4 Beds

3 Baths

2,274 SqFt

Status Active

MLS # 6771876

Property Type Single Family Residence

Price Type --

Ask about special financing with preferred lender! This single-story home is host to a generous open floorplan where the Great Room, kitchen and dining room seamlessly connect and sliding glass doors offer direct access to the covered patio for indoor-outdoor living. An additional, versatile living space is located off the foyer, while four bedrooms offer enough room for the whole family. Photos are renderings of a model home, not the actual home.

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42158 N Golden Trail San Tan Valley, AZ 85140

Open House

$669,990

4 Beds

3 Baths

2,513 SqFt

Status Active

MLS # 6733569

Property Type Single Family Residence

Price Type --

***Home for the Holidays!!!!*** Estimated completion November 2024!! - Welcome to Edgewood Estates, where luxury meets practicality! Step through the expansive foyer into a spacious great room, boasting a stunning wall of windows, perfect for entertaining guests or enjoying family time. The kitchen is a chef's dream with beautiful cabinets, a spacious island for meal prep or casual dining, and high-end finishes throughout. Retreat to the private primary suite featuring a relaxing primary bath and a generously sized walk-in closet. This home also features an Extra Suite Plus, ideal for multi-generational living or hosting guests with privacy and comfort. ^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.

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14927 N 55th Drive Glendale, AZ 85306

$669,980

5 Beds

3.5 Baths

3,053 SqFt

Status Active

MLS # 6755286

Property Type Single Family Residence

Price Type --

LEED Certified Gold Home. 5 Bedroom all with walk in closets. 3.5 Bath, Huge loft. 2 car Garage. Benton Birch Burlap Cabinets. New Caledonia granite kitchen countertops. Kitchen 42'' uppers. GE gas range, SS appliances. Tile flooring is 6'' X 36'' wood looking tile

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8045 N 14th Street Phoenix, AZ 85020

$669,900

3 Beds

2 Baths

1,758 SqFt

Status Active

MLS # 6745672

Property Type Single Family Residence

Price Type --

**Attention** Investment opportunity in North Central Phoenix! This property includes a 1758 Sf Main Home and 900 SF Remodeled Casita. Both units are leased, generating $4,320/lease monthly. NO HOA. 15,027 Sf lot with plenty of room for future expansion. The main home includes a spacious kitchen, living/family room, large, covered patio with a large backyard and RV gate. The 2-bed, 1-bath Casita includes New white shaker cabinets, stainless-steel appliances and LVP flooring. Conveniently Located near the Phoenix Mountain Preserve with quick access to hiking trails, Great Local dining, shopping, and the 51 Freeway. Quick access to anywhere in the valley, 10 minutes to Downtown Phoenix. If you're looking for an investment opportunity, check this out today to see the potential for yourself

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15402 W Old Oak Lane Surprise, AZ 85379

$669,900

4 Beds

2.5 Baths

3,529 SqFt

Status Active

MLS # 6765107

Property Type Single Family Residence

Price Type --

WELCOME TO MARLEY PARK WHERE YOU WILL FIND THE PLEASURE OF FINE LIVING. COME VISIT THIS AMAZING HOME AND FALL IN LOVE WITH IT. BEAUTIFUL UPGRADES: TILE FLOORING,GRANITE COUNTER TOPS,WHITE CABINETES,BACKSPLASH TILE,SS APPLIANCES, SPACIOUS ROOMS: DINNING,BEDROOMS & FAMILY RM. ENJOY THE OUTDOOR ON YOUR OWN POOL AND COVER PATIO WITH UPGRADES TO DELIGHT YOUR VIEW. WORDS ARE NOT ENOUGH TO DESCRIBE THIS BEAUTY.SOLAR PANELS ARE PAID OFF.YOU MUST IMMERSE YOURSELF IN IT. UPSTAIRS LOFT HAS BEEN USED AS A 2ND MASTER BEDROOM.

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