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.

Click Here to See What Your Home is Worth

Listing types.

For Sale

For Rent

Land

Multifamily

Commercial

Location Search Nearby

BedsAny1+2+3+4+5+6+

BathsAny1+2+3+4+5+6+

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Property TypeAnyApartmentManufactured HomeSingle Family ResidenceTownhouseTwin Home

School District

Address, MLS# or Keyword

Home SizeAny600 ft2800 ft21,000 ft21,200 ft21,400 ft21,600 ft21,800 ft22,000 ft22,200 ft22,400 ft22,600 ft22,800 ft23,000 ft23,500 ft24,000 ft24,500 ft25,000 ft25,500 ft26,000 ft2

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Distressed

Open House

Location Search Nearby

BedsAny1+2+3+4+5+6+

BathsAny1+2+3+4+5+6+

Price MinAny$500$600$700$800$900$1,000$1,100$1,200$1,300$1,500$1,600$1,700$1,800$1,900$2,000$2,250$2,500$2,750$3,000$3,250$3,500$3,750$4,000$4,500$5,000$5,500$6,000$6,500$7,000$7,500$8,000$8,500$9,000$9,500$10,000

Price MaxAny$500$600$700$800$900$1,000$1,100$1,200$1,300$1,500$1,600$1,700$1,800$1,900$2,000$2,250$2,500$2,750$3,000$3,250$3,500$3,750$4,000$4,500$5,000$5,500$6,000$6,500$7,000$7,500$8,000$8,500$9,000$9,500$10,000

Advanced Options

Property TypeAnyApartmentManufactured HomeSingle Family ResidenceTownhouseTwin Home

School District

Address, MLS# or Keyword

Home SizeAny600 ft2800 ft21,000 ft21,200 ft21,400 ft21,600 ft21,800 ft22,000 ft22,200 ft22,400 ft22,600 ft22,800 ft23,000 ft23,500 ft24,000 ft24,500 ft25,000 ft25,500 ft26,000 ft2

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Location Search Nearby

Lot SizeAny1+ Acres2+ Acres3+ Acres4+ Acres5+ Acres6+ Acres7+ Acres8+ Acres9+ Acres10+ Acres20+ Acres30+ Acres40+ Acres50+ Acres

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Neighborhood

Address, MLS# or Keyword

Location Search Nearby

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

School District

Address, MLS# or Keyword

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Location Search Nearby

Lot SizeAny1+ Acres2+ Acres3+ Acres4+ Acres5+ Acres6+ Acres7+ Acres8+ Acres9+ Acres10+ Acres20+ Acres30+ Acres40+ Acres50+ Acres

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Address, MLS# or Keyword

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

View As: Thumbnails List

Sort by: Select Price, Low to High Price, High to Low Newer Listings First Older Listings First Open House Date

4208 E Oak Street Phoenix, AZ 85008

$669,900

3 Beds

2 Baths

1,781 SqFt

Status Active

MLS # 6778096

Property Type Single Family Residence

Price Type --

Seize the opportunity to live in the coveted Arcadia neighborhood, nestled close to premier shopping, dining, and entertainment. This exquisitely updated home sits on just over a quarter-acre and features three bedrooms and two bathrooms across 1781 square feet with an expansive great room design and additional sunroom. The kitchen boasts pristine white cabinets, Quartz and butcher block counters, a remarkable Frigidaire gas stove with pot filler, custom tile backsplash, and a central island with a breakfast bar. The main bedroom is equipped with an ample walk-in closet, a stylish accent wall, and a sliding barn door that opens to an en suite bathroom with a dual-sink vanity and a tiled shower featuring a rain showerhead and glass enclosure. An enclosed patio adds a versatile living area ideal for a home office or fitness space. The vast backyard offers abundant grassy areas for children and pets, mature trees for shade, a large patio for gatherings, a covered shuffleboard court, an RV gate with a concrete slab for extra parking, all surrounded by a block fence for privacy. Additional features include a single-car garage with extra carport space, a charming entrance with exterior shutters and a Dutch front door, an electric fireplace in the great room, custom window treatments, recessed lighting, luxury vinyl plank flooring in the common areas, an inside laundry room, and much more.

View Property

17159 E Rand Drive Fountain Hills, AZ 85268

$669,900

3 Beds

2 Baths

1,580 SqFt

Status Active

MLS # 6774975

Property Type Single Family Residence

Price Type --

Fabulous 3BR/2BA split master plan features an open kitchen / living room area perfect for entertaining. Upgraded kitchen includes stainless steel appliances, maple wood cabinets & massive breakfast bar with granite counters. Cozy enclosed Arizona Room set up with a fireplace for those quiet movie nights or book reading binges. Vaulted ceilings throughout! MASSIVE lot at over 20,000 SF, offers superior desert mountain views to the northeast! Perfect 2nd home for those that love the Arizona winters & refuse to shovel snow ! Superior location ! 10 minutes from the Mayo Clinic, 20 minutes from al the premier shopping and dining in Scottsdale, Kierland, etc. Take a 1 hour drive north to the cool mountain town of Payson and or 1.5 hours to the rim. A MUST SEE !

View Property

4444 E Jesse Street Gilbert, AZ 85295

$669,900

4 Beds

3 Baths

2,420 SqFt

Status Active

MLS # 6731266

Property Type Single Family Residence

Price Type --

Fabulous 4 bedroom/3 bath floorplan located in the highly sought after community of Cooley Station. The open floorplan boasts 10 foot ceilings with the primary en suite, 2 bedrooms, a full bathroom, and large laundry room with built in cabinets on the first floor. The gourmet kitchen includes a farmhouse sink, LED dimmable lighting under kitchen cabinets, subway tile surround on kitchen Island, upgraded kitchen cabinets with crown molding, and ceramic subway tile back splash. A nice size loft, sitting area, bedroom, and full bath are located upstairs- perfect for guests! Exit out to the beautifully landscaped yard from the kitchen to a large covered patio and artificial turf. The community offers 2 pools and 4 large parks; 1 just footsteps from the front door. Complete front landscape and back alley landscape fully maintained by the HOA. This home is designed with functionality and style in mind, catering to both practical needs and aesthetic preference. The combination of modern amenities and thoughtful details suggests a well-appointed and comfortable living space. Don't miss this wonderful opportunity to live in Cooley Station!

View Property

12926 W Katharine Way Peoria, AZ 85383

$669,900

2 Beds

2 Baths

1,925 SqFt

Status Active

MLS # 6732085

Property Type Single Family Residence

Price Type --

Resort Living in this Highly Upgraded Popular ''Nice'' Model, Features a Stainless Gourmet Chefs Kitchen with 36'' Kitchen Aid INDUCTION Cook Top, Wall Oven, Microwave, Granite Counters, Pendant lighting, Decorator Backsplash, Large Sink, Roll Out Shelves & Under Counter Lighting. Great Room features Entertainment Wall w/ Floating Shelves, Stone & FP. Wood Floors in Great-room, DR & Den. Crown Molding & Shutters. Granite & Cabinets in Smart Room W/Sink, Beverage Cooler & BI Desk. Bathrooms Boast Granite Counters, Framed Mirrors & His/Her Vanities in Master. Large Entertainers Private Backyard w/ Multiple Paver Patios for Social Functions. A Covered Patio W/ Commercial Misters, B/I Sundance Spa, Gas Firepit, Fountain, Outdoor Kitchen, Synthetic Grass, Mature Plants & Mountain Views. Custom Glass & Iron Front Door. Garage features Wall of Cabinets for your Storage Needs, Epoxy Floors, New Garage Door Opener, Service Door to Enclosed Trash area. Paver Driveway and Walk Ways. Many upgrades in this Beautiful home. Interior painted in 2023, Exterior painted in 2020, New Water Heater 8/2024

View Property

18172 W Devonshire Avenue Goodyear, AZ 85395

$669,900

4 Beds

2.5 Baths

2,322 SqFt

Status Active

MLS # 6751190

Property Type Single Family Residence

Price Type --

Sedella is an RV friendly community where toys are welcomed. This 4-bed, 2.5-bath semi custom home features: PAID OFF SOLAR, BRAND NEW Trane A/C unit installed and OWNED HALO 5 water filtration syst.,Freshly painted inside and out, front & backyard pavers, custom RV gate, Chef's Kitchen Appliances(Thermador), granite counters, oversized island. Great Room offers an outstanding view to the backyard with custom automated shades. Primary Suite has walk in shower & separate vanities. Split Floor plan,vinyl plank flooring in all the right places. Take in the mountain views from the oversized backyard. Enjoy the real grass, beautiful palm trees and evenings sitting around the fire-pit. Mini split in 2 car garage. Custom cabinetry and freshly painted walls in both garages.

View Property

4327 E Tether Trail Phoenix, AZ 85050

$669,900

3 Beds

2 Baths

1,845 SqFt

Status Active

MLS # 6750004

Property Type Single Family Residence

Price Type --

Newly upgraded beauty!!! Owner has been in home a year now and has done many wonderful upgrades!! 3 bedroom 2 bath. Den off master. Inside Laundry. Walk through front door to open ceilings and natural bright light! Home offers Living room with dining room, Separate family room that is open from kitchen. Kitchen recently remodeled with gorgeous quartz counters, stone backsplash, stainless steel appliances, large pantry and island. Owner has just painted the entire inside and outside of home!! New carpet in all bedrooms, new wood fireplace mantel, brand new roof, had the entire house replumbed with PEX, added front and back security doors, AC just serviced, new window coverings in master bath, eat in kitchen, 2nd bedroom and family room. New exterior lighting, keep reading more.. New light fixture in dining room.Beautiful stone Gas fireplace just serviced. Gas valve added outside for future use. New coach lights at front door and garage. All trim in house just painted! Hallway has cabinets with countertop. Water softener and workbench in garage. North South exposure!! Large extended covered patio overlooking beautiful turf yard.

View Property

22917 N 71st Drive Glendale, AZ 85310

$669,900

5 Beds

3 Baths

2,887 SqFt

Status Active

MLS # 6758356

Property Type Single Family Residence

Price Type --

This stunning 5-bedroom, 3-bath property sits on an expansive corner lot in one of the most desirable neighborhoods in Glendale. Boasting a fantastic backyard oasis, this home is made for outdoor living and entertaining with a sparkling pool, large covered patio, and plenty of grassy area for kids or pets to play. The RV gate provides added convenience for parking your toys, making it perfect for adventurous Arizona living. Inside, you'll find a spacious and versatile layout with plenty of room for family and guests. Whether you're relaxing in the bright, airy living spaces or enjoying the sun in the private backyard, this house truly has it all. Don't miss this rare opportunity to own a home that blends luxury, comfort, and the best of Arizona's indoor-outdoor lifestyle.

View Property

16600 N Thompson Peak Parkway Unit 1053 Scottsdale, AZ 85260

$669,900

3 Beds

2 Baths

1,674 SqFt

Status Active

MLS # 6774524

Property Type Townhouse

Price Type --

Ground floor unit all one level, city light views, 3 bed, 2 bths, remodeled throughout, quartz countertops, large format tile flooring, shutters in greatroom, gas fireplace, and 2 patios. Steps from community pool, spa and fitness workout room. Walking distance to Basha's Supermarket, restaurants, salons, and animal clinic. Close to hiking trails and golf. Access to McDowell Mtn community pools, including lap pool, spas, tennis and pickleball courts, playground and events. Aquatic center near by with skate park, lap pool and fitness center.

View Property

70 W Roadrunner Drive Chandler, AZ 85286

$669,900

4 Beds

2.5 Baths

2,750 SqFt

Status Active Under Contract

MLS # 6675936

Property Type Single Family Residence

Price Type --

ASSUMABLE LOAN AT 2.75%!! -- Open to Veterans, Non-Veterans AND INVESTORS! Don't miss this recently remodeled home in Chandler. Oversized kitchen was recently updated and all new flooring throughout the home. Features 4 bedrooms and an office, an oversized loft, 2.5 baths with a 1 car garage separate from the 2 car garage. All appliances are included. Step into the back yard with the large covered patio, diving pool and spa.

View Property

18733 N Avila Drive Surprise, AZ 85387

Open House

$669,900

2 Beds

2.5 Baths

2,539 SqFt

Status Active

MLS # 6773537

Property Type Single Family Residence

Price Type --

Beautiful updated Ashbury home in one of the quietest areas in The Grand. Great open floor plan with large kitchen, dining, and living area. Kitchen has island with lots of storage, new counter, updated cabinets and all new stainless steel appliances. The living area boasts a beautiful Stonecreek media wall with fireplace and lighted shelves. The large primary bedroom includes a walk-in closet, beautifully remodeled en suite bathroom with walk in shower and free standing bathtub. Guest bedroom includes an updated en suite bathroom. Den includes a Murphy bed and can double as an office or extra guestroom. New floors and plantation shutters throughout and large windows provide lots of natural light and enhance the beauty of this home. Laundry room has new cabinets, new washer/dryer, sink and clothes bar. New paint throughout the interior and exterior. Triple garage with new storage cabinets. A private covered patio completes the beauty of this home!

View Property

8732 S Sun Quail Terrace Hereford, AZ 85615

$669,500

5 Beds

3 Baths

3,023 SqFt

Status Active

MLS # 6452313

Property Type Single Family Residence

Price Type --

To be built. Construction will begin with contract to start. This is your opportunity to have a custom home built and still have the availability to pick out your homes finished look. Home is located in the beautiful Three Canyons area in the Covey Run subdivision. Mountain Views and scenic living all around.

View Property

32663 N Aris Drive San Tan Valley, AZ 85143

$669,245

4 Beds

3 Baths

2,888 SqFt

Status Active

MLS # 6762800

Property Type Single Family Residence

Price Type --

Gorgeous new single-story home on an oversized homesite in Bella Vista Farms. Loaded with designer selections, this home offers 4 bedrooms, 3 bathrooms, an attached 3 car garage, and a 8' RV Gate. The extraordinary kitchen features a Monogram 36'' gas cooktop with double ovens, Della Terra Quartz kitchen counters in New Venatino Beige, and extended cabinets at the dining room. Other highlights include Aristodraft Maple Cabinets in burlap with soft close doors and drawers, a frameless walk-in shower at the primary suite with a Rain can shower head, 24'' x 24'' tile, upgraded carpet, split bedrooms, and an iron entry front door. Utilities include: Mesa Gas, Epcor Water Sewer, and Rural Metro Fire.

View Property