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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1227 W Golden Ore Pass Apache Junction, AZ 85120

$660,208

5 Beds

4 Baths

3,488 SqFt

Status Active

MLS # 6740174

Property Type Single Family Residence

Price Type --

Discover the exceptional difference in your home-buying experience! Welcome to Mariposa at Blossom Rock, where our 2-story Skylar design is under construction now. Open-concept floor plan featuring huge and welcoming kitchen that flows into a bright, spacious great room that opens up to your private, covered outdoor room. Downstairs office and additional flex room. Convenience of the 4-car garage with 5 spacious bedrooms, 4 luxurious baths, a great room with a dining area, this home has room for everything! Plus, we're including $43,000 in stunning upgrades to make this home truly special, and we're offering special financing to help. Home completion is estimated in October 2024

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7668 E Pleasant Run -- Scottsdale, AZ 85258

$660,000

2 Beds

2 Baths

1,590 SqFt

Status Active

MLS # 6758723

Property Type Townhouse

Price Type --

McCormick Ranch: Scottsdale's Premier Location! Located in the highly sought-after Pleasant Run subdivision, this turn-key home is ready for you—just bring your suitcase and laptop! Homes rarely come on the market in this area, and this one offers a spacious, open floor plan with NO INTERIOR STEPS. It features 2 bedrooms, 2 baths, a cozy fireplace in the living room, and a 2-car garage. The quiet, low-maintenance patio offers privacy with high walls, accessible from both the living room and the primary bedroom. The home is filled with natural light thanks to skylights throughout. All furniture is available with the home, making moving in a breeze! Enjoy the community amenities, including a pool, spa, tennis, and pickleball courts. The location is unbeatable: The garage has fresh epoxy floors. The Jacuzzi tub is sold AS IS. 20+ restaurants within walking distance Close to shopping, Diamondbacks spring training, resorts, casino, and nightlife 5 minutes from Loop 101 10 minutes to The Block, The Pavilions, Gainey Ranch, and The Entertainment District Bike to Tempe Town Lake or along the Discovery Trail (25 miles of scenic paths) Stroll around the beautiful lakes or golf at McCormick Ranch Golf Course. The possibilities are endless in this fantastic location!

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3820 Ridge Runner Way Wickenburg, AZ 85390

$660,000

2 Beds

2 Baths

1,959 SqFt

Status Active

MLS # 6751381

Property Type Single Family Residence

Price Type --

This stunning home at 3820 Ridge Runner Way in Wickenburg Ranch features 2 beds, 2 baths + den and a split floor plan with approximately 1950 sq. ft. of living space. The corner lot property's options include a 4' garage extension with epoxy flooring, retracting corner multi-slide glass doors leading from the living room and extended dining room onto the covered patio, Smart Space utility sink and upgraded flooring. Additional customized features include granite countertops throughout, full tile in showers and vanity areas, ceiling fans, pendant lights and golf cart plug-ins. The outdoor living space is enhanced by the extended tile onto the covered patio including a stone fireplace and newly installed matching BBQ area under a beautiful pergola. The kitchen offers elegant granite counters to promote a sleek and stylish workspace with upgraded soft close drawers and rollout shelves that provide ample storage and easy access to your kitchen essentials. The Smart Space laundry and desk area includes cabinets and a customized coat rack bench to ensure efficient multitasking and organization in your home. The home is situated near the 18-hole, par-71 championship golf course, recognized as one of Arizona's three best golf courses. The Club amenities cater to the diverse interests of its members. This home is a must-see to appreciate all the features too numerous to mention!

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3628 W Pecos Road Chandler, AZ 85226

$660,000

4 Beds

3 Baths

2,231 SqFt

Status Active

MLS # 6732316

Property Type Single Family Residence

Price Type --

Your dream home is here! This 2022 CUSTOM build offers 4-bedroom, 3-bath with a 3-car garage, RV gate with power outlet and sewer dump. NO HOA! Its beautifully landscaped from front to back with an inviting porch. Inside, enjoy an open floor plan with soaring 10-foot ceilings, recessed lighting, and stylish wood-look tile flooring. The gourmet kitchen has granite countertops, ample white cabinets with crown molding, chic pendant lighting, a tile backsplash, stainless steel appliances, a large walk-in pantry, and a two-tier island with a breakfast bar. The main bedroom offers plush carpeting, a luxurious ensuite with dual sinks, and a spacious walk-in closet. Relax in the backyard oasis with a covered patio, pavers, and low-maintenance artificial turf. Make this exceptional home yours toda

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6231 E Kelton Lane Scottsdale, AZ 85254

$660,000

2 Beds

2.5 Baths

2,037 SqFt

Status Active

MLS # 6756144

Property Type Single Family Residence

Price Type --

Single level Open Floorplan in a Highly Desirable Neighborhood. This 2037 sq ft Patio Home offers Two Primary Bedrooms and an additional Den with half bath. Eat-in Kitchen, Formal Dining, and large Great Room with Fireplace, Wet Bar and access to a private patio with gated access to the expansive grassed common area. Second bedroom features en-suite bath. Recent remodel includes new energy efficient Windows, Window Coverings, All new Stainless Steel Appliances, Roof, Gutters, Water Softener, Reverse Osmosis, and complete remodel of guest suite bathroom. North South exposure. Quiet well manicured neighborhood with community pool and walking paths. Lots of storage.

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3429 E Poinsettia Drive Phoenix, AZ 85028

$660,000

4 Beds

2 Baths

2,112 SqFt

Status Active

MLS # 6762301

Property Type Single Family Residence

Price Type --

STUNNING NORTH PHOENIX HOME, NO HOA, WITH BACKYARD OASIS! This fully updated home features an open floor plan, 4 bedrooms (each fits a king bed), 2 bathrooms, bonus game room, 2-car garage, heated pool with Aqualink, paved fire pit area, separate storage room, putting green, and the BEST LOCATION in all of Phoenix! Tile and laminate flooring throughout (no carpet). The kitchen features stainless steel appliances with quartz and butcher block counter tops. The home is solar powered, and is conveniently located close to Paradise Valley, Kierland Commons, and Scottsdale Quarter. Easy access to the 51, only a 15-minute drive to the Mayo Clinic or the Sky Harbor Airport, and 20 minutes to Old Town Scottsdale. The primary bedroom hosts a pristine private bathroom with a floor-to-ceiling tiled shower. The entertainer's backyard features a putting green, a Ramada, multiple paver patios, a fire pit, and a sparkling blue pool. Everything you're looking for, you'll find it here!

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1251 E Parkview Drive Gilbert, AZ 85295

$660,000

4 Beds

2.5 Baths

2,237 SqFt

Status Active

MLS # 6765501

Property Type Single Family Residence

Price Type --

WOWZA! Newly remodeled, fantastic home in Spectrum has everything! Offering 4 beds, 2.5 baths, 3 garage spaces including tandem, & a manicured landscape. Inviting interior showcases tons of natural light, designer paint, & wood-look flooring t/out. W/a large living/dining room & an open-concept family room, you have spaces for relaxation & gathering. The impressive kitchen boasts SS appliances, granite counters, a pantry, ample cabinetry, track lighting, & a 2-tier peninsula w/breakfast bar. The master bedroom is downstairs! It features an ensuite w/two vanities, separate tub/shower, & a walk-in closet. Secondary bedrooms & a versatile loft await upstairs. Enjoy the spacious entertainer's PRIVATE backyard with a covered patio, built-in BBQ, synthetic & natural lawns, and a sparkling pool!

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3076 Summer Loop Forest Lakes, AZ 85931

$660,000

3 Beds

2.5 Baths

1,946 SqFt

Status Active

MLS # 6771049

Property Type Single Family Residence

Price Type --

Beautifully quaint and absolutely perfect cabin on a hilltop lot in Forest Lakes! Walk in to a spacious family room with soaring windows filling the room with soft natural light and wood burning stove/fireplace. The open floor plan opens to a cozy kitchen with eat in dining and separate oversized pantry/mudroom. Master suite is on the main level with a walk-in closet and on-suite bathroom. Upstairs features a landing overlooking the family room and 2 oversized bedrooms. Covered front and back patios make family gatherings or just enjoying the pines the perfect place to be. Easy drive up blacktop driveway w/ chip-seal coat. Several parking options and detached garage with laundry room. 1 acre lot features pine trees, aspen, apple and plum trees! Property sold fully furnished with all decor

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5222 W Buckskin Trail Phoenix, AZ 85083

$660,000

4 Beds

2 Baths

2,294 SqFt

Status Active

MLS # 6772837

Property Type Single Family Residence

Price Type --

Stunning 4BR/2BA home in STETSON VALLEY! You will be impressed the moment you walk through the front door. Spacious formal living /dining room, kitchen includes granite countertops, SS appliances , Maple cabinets, and large island. Kitchen is open to large family room which is perfect for entertaining. Neutral colors, plank tile flooring throughout home, including the 4 spacious bedrooms. Extended 2 -car garage w/cabineets. Covered patio, firepit with cozy seating, mountain views & mature landscaping. Excellent schools and close to everything.

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27789 N 129th Lane Peoria, AZ 85383

New

$660,000

2 Beds

2 Baths

2,111 SqFt

Status Active

MLS # 6779627

Property Type Single Family Residence

Price Type --

Trilogy at Vistancia is one of the nicest and most sought after communities in all of Arizona and then to top it off we are bringing you the best floor plan to boot. Make sure to put this one on your list to tour! The home is impeccably maintained, truly move in ready and features 2 bedrooms (plus den/3rd bedroom), 2 bathrooms, 2.5 car garage, stunning front courtyard, expansive rear patio with hot tub and TV mounts. You are buying more than a HOME...you are buying a luxury lifestyle. This home is conveniently located just off the 303 freeway, 8 minutes to TSMC, neighborhood shopping/restaurants, Target, Home Depot, Costco are all closeby. Trilogy amenities include 2 Luxurious Clubhouses (Kiva Club & Mita Club), 3 pools, championship golf course, PICKLEBALL, tennis, arts, crafts, exercise

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1405 W Pelican Court Chandler, AZ 85286

$660,000

4 Beds

3.5 Baths

2,892 SqFt

Status Active

MLS # 6754000

Property Type Single Family Residence

Price Type --

You are lucky to find this rare gem - A tranquil green area in the back with view fence, a walk deck, and a peaceful quiet cul-de-sac in the front. On top of that, you can WALK to the highly rated school. WOW! From the moment you step inside, BRAND NEW LVT tile welcomes you and flows seamlessly through the main areas. The gourmet kitchen is perfect for entertaining, featuring NEW white island contrasting with granite countertops, upgraded cabinets, and stainless steel appliances. The main master suite is conveniently located downstairs with a luxurious bathroom, a spacious walk-in closet, and a view of the beautiful desertscape backyard, complete with a covered patio adjacent to a large, well-maintained greenbelt. Upstairs, the dramatic staircase with footlights leads to a large loft and three additional bedrooms, including a second master suite with its own bathroom and a balcony overlooking the back. The home boasts ample storage with a huge under-stair closet and three pantries. Conveniently located near shopping, parks, and a highly ranked elementary school, this home truly shows pride of ownership. With its modern open floor plan, super vaulted ceilings, and premium views of the mountains and greenbelt, this home is a must-see. The low-maintenance yard offers a front sitting area with a cul-de-sac view and a resort-style backyard. Move-in readywelcome home!

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631 S Lanus Drive Gilbert, AZ 85296

$660,000

4 Beds

2 Baths

2,310 SqFt

Status Active Under Contract

MLS # 6775963

Property Type Single Family Residence

Price Type --

Gorgeous one-story home sitting on a pie-shaped lot of a private cul-de-sac! Upon entering, you'll be greeted by a formal living/dining room, vaulted ceilings, carpet/tile floors, and a large den with double doors. Continue into the family room, boasting a dining area, clerestory windows, and sliding glass doors that merge the indoor/outdoor areas. The kitchen has a subway backsplash, white cabinets, stainless steel appliances, track lighting, quartz counters, and a breakfast bar. In the main bedroom, discover a luxurious bathroom with dual vessel sinks, a glass enclosure raindrop shower, a freestanding tub, and a walk-in closet. The oversized backyard features a covered patio with extended Ramada and pavers, grass, beautiful trees, and convenient storage. This jewel won't last!

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