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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11268 E Poinsettia Drive Scottsdale, AZ 85259

$659,000

3 Beds

2 Baths

1,566 SqFt

Status Active

MLS # 6737850

Property Type Single Family Residence

Price Type --

AMAZING OPPORTUNITY! to own a fully remodeled home in a fantastic Scottsdale location! spacious living/dining room w/built-in shelves, vaulted ceilings, fireplace in the living area, & sliding doors to the back patio.Chef's kitchen offers white cabinets w/crown molding, stainless steel appliances, large granite counters, a pantry, upgraded, designer light fixtures, & large center island.Split primary suite has a walk-in closet & an upscale bathroom w/dual vanities & Large soaking tub. All tile floors throughout! Delightful backyard has a relaxing covered patio & Pergola. Newer roof! This one won't last!

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931 E Whiteley Street Apache Junction, AZ 85119

$659,000

2 Beds

2 Baths

1,455 SqFt

Status Active

MLS # 6742679

Property Type Single Family Residence

Price Type --

21/2 ACRES OF NATURAL DESERT LAND WITH BEAUTIFUL HOUSE AND BRAND NEW 1800 SQ FT WORK SHOP WITH 5 TON A/C WITH ROOM FOR YOUR RV AND BOAT OR ANTIQUE CARS. OR ALL THE TOYS. HOUSE GOT A NEW A/C IN 2024 ALSO. CHERRY WOOD CABINETS, 6 PANEL SOLID WOOD DOORS ALL 36'' TO ACCOMODATE A WHEEL CHAIR IF NEEDED.. GRANITE COUNTER TOPS AND STAINLESS STEEL APPLIANCES MAKE FOR BEAUTIFUL KITCHEN. SPLIT FLOOR PLAN. VERY ENERGY EFFICIANT HOME WITH BLOCKS WITH FOAM INSULATION, DUAL PANE WINDOWS. VERY NEAT AND CLEAN MOVE IN READY HOME.

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9415 W Wild Turkey Lane -- Strawberry, AZ 85544

$659,000

3 Beds

3 Baths

1,916 SqFt

Status Active

MLS # 6741864

Property Type Single Family Residence

Price Type --

Escape the heat & hustle of urban life at your mountain retreat tucked in the side of the Mogollon Rim among towering Pines on a lush 0.85-acre lot. This nearly 2,000 sq ft split-level home features a floor plan that makes sense for all. Main level has kitchen & dining room, comfortable living room, primary suite w/ensuite bath, fun loft area, & large guest bedroom. Lower level has another bedroom, bathroom, large family room set up as a game room, and access to the back yard & garage entrance. Take in stunning views of Strawberry Mountain from the expansive wrap-around deck & large picture windows throughout. The 2.5 car garage is equipped w/built-in workshop space. The fenced backyard allows a smaller border within the large property. No HOA. Enjoy easy access to... ... Fossil Creek trailhead & Hardscrabble road system for unlimited recreational activity, the charm of Strawberry & Pine, and approx. 45 minutes from Blue Ridge Reservoir for water enjoyment. All furnishings are available outside of escrow.

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7710 E Gainey Ranch Road Unit 133 Scottsdale, AZ 85258

$659,000

2 Beds

2 Baths

978 SqFt

Status Active

MLS # 6747694

Property Type Townhouse

Price Type --

Welcome to your gorgeous retreat in the heart of Gainey Ranch! This beautifully updated 2-bedroom, 2-bathroom townhouse boasts an oversized patio perfect for entertaining or relaxation. Located on the first level with a garage, this home is situated in the serene community of The Courts at Gainey Ranch. Just steps away from the newly renovated Estate Club at Gainey Ranch, enjoy the lifestyle of tennis, pickleball, a workout facility, two heated pools and spas, and an events center. This is an ideal turnkey retreat in the heart of Scottsdale, with easy access to shopping, golf, entertainment, and more.

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4002 N San Gabriel Circle Mesa, AZ 85215

$659,000

4 Beds

3 Baths

2,564 SqFt

Status Active

MLS # 6761137

Property Type Single Family Residence

Price Type --

Motivated Seller, relocating out of state! This stunning home, located on the prestigious Pete Dye-designed golf course at Red Mountain Ranch, offers breathtaking views of the golf course, Red Mountain, and sparkling city lights. Inside, you'll find renovations completed over the past five years. The gourmet kitchen has gorgeous granite countertops, stainless steel appliances, and stylish new cabinetry, perfect for any chef. The inviting living area features a beautifully upgraded fireplace with elegant brickwork and a mantel, creating a cozy atmosphere for family gatherings. The primary bath has been transformed into a luxurious, spa-like oasis with a walk-in shower, marble countertops, and sleek new cabinetry. Additional improvements include newer dual-pane low-E windows and doors, pro viding year-round energy efficiency and comfort. Step outside to the sun-drenched pool area, complete with newer installed cool decking, ideal for lounging and entertaining. The exterior of the home has been painted within the last 5 yrs as well as the roof underlayment was replaced for long-lasting protection. Additional updates include a newer water heater, reverse osmosis system, pool pump, cleaner, and an efficient sprinkler system for easy yard care. This home offers more than just a place to live it's a lifestyle, perfect for golf enthusiasts in a tranquil setting. Don't miss the opportunity to make this dream home your own!

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2123 E La Costa Drive Chandler, AZ 85249

$659,000

4 Beds

2.5 Baths

2,667 SqFt

Status Active Under Contract

MLS # 6733137

Property Type Single Family Residence

Price Type --

This beautiful 4-bedroom gem nestled in the highly desired community of Cooper Commons is move-in ready with inviting vinyl wood plank flooring, vaulted ceilings, and fantastic lighting throughout. The modern two-tone tuxedo kitchen is equipped with upgraded appliances and offers the desirable triangle layout that seamlessly connects the kitchen, living, and dining areas—perfect for entertaining. Step outside to your own private oasis, complete with a spacious covered patio, a gas fire pit, and an amazing saltwater pool and jacuzzi grotto that cascades into the pool below. And yes, the pool is heated for year-round enjoyment! Enjoy ample storage with a roomy 3-car garage lined with storage cabinets and a deep closet located under the stairs. Plus, downstairs you'll find a versatile space that's perfect for an office or game room. Upstairs, the main bedroom is a true retreat with a fully upgraded ensuite featuring a walk-in shower with dual shower heads. Three additional bedrooms upstairs provide ample space for residents or guests, with large walk-in closets in both the primary and 4th bedroom. Location is everything, and this home doesn't disappoint. Great schools nearby and just around the corner, the spacious La Paloma Community Park offers a large grassy area, a children's playground, and courts for basketball and pickleball. Welcome Home!

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2301 E Nisbet Road Phoenix, AZ 85022

Open House

$659,000

4 Beds

2 Baths

1,958 SqFt

Status Active

MLS # 6778393

Property Type Single Family Residence

Price Type --

This beautifully remodeled home showcases modern finishes and thoughtful upgrades inside and out. The kitchen shines with striking navy cabinets, sleek quartz countertops, and a unique peninsula with waterfall edges—perfect for meal prep and entertaining. The spacious open layout flows seamlessly into the living area, complete with stylish wood accents and a statement fireplace. Each bathroom has been transformed with custom tile work, elegant vanities, and contemporary lighting, creating spa-like retreats. Outside, the fully redesigned backyard is an oasis featuring a refreshing pool, fire pit area, and lush landscaping. Additional highlights include a large covered patio with ceiling fans, ideal for outdoor lounging. With a generous lot size, this property combines style and function!

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10918 E Texas Avenue Mesa, AZ 85212

$658,950

5 Beds

3 Baths

2,961 SqFt

Status Active

MLS # 6762831

Property Type Single Family Residence

Price Type --

MLS#6762831 January Completion! The Wedgewood offers plenty of square footage and is stylish inside and out. Wedgewood's expansive open-concept common area holds a gathering room, kitchen with island and step-in pantry, and a casual dining. A study room is perfect for working from home. At the front of the home is a bedroom and full bathroom - perfect for your overnight guests. Upstairs, the owner's suite features dual sinks, shower and a huge walk-in closet. Three secondary bedrooms with walk-in closets share a full bath, and a spacious loft rounds out this beautiful home. Structural options include: study in lieu of dining, soft water loop, garden tub with separate shower in primary, paver front porch, and garage service door.

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18229 E Spring Valley Court Rio Verde, AZ 85263

$658,013

2 Beds

2 Baths

1,678 SqFt

Status Active

MLS # 6592823

Property Type Single Family Residence

Price Type --

This incredible home is located at Trilogy Verde River, a premier 55+ and All Ages Golf Resort Community. This beautiful new home features over $145K in upgrades as well as a $10K homesite premium. With an estimated completion date in August 2023, you won't have to wait long to move right into this brand new home offering 2 bedrooms + den and 2 baths in 1,678 SqFt. The popular Valletta floor plan sits on a premium lot and offers a spacious great room layout with split bedrooms. The gourmet kitchen features gorgeous cabinetry with LED undercabinet lighting, Quartz countertops, and an island with a breakfast bar. A 12-foot multi-panel sliding glass door leads out from the great room to the covered patio and backyard with built-in BBQ, pergola, and water/fire features. Other features include upgraded flooring, quartz countertops throughout, laundry room cabinets, and a 2 car garage. Front and backyard landscaping included. The amenities at Verde River are World Class with Tom Lehman inspired eighteen-hole Golf course, tennis courts, pickleball courts, and bocce ball, heated lap pool and Resort style swimming pool, hot tub, Afterburn fitness center, Helen's demonstration Kitchen for cooking classes and a 7.5 acre dog park. The community center has casual poolside dining at Eddy's Diner and gourmet dining at award-winning Needle Rock Kitchen and Tap, Alvea Spa with full-service Salon and Spa amenities, Art Loft and events center. Trilogy at Verde River is adjacent to the Tonto National Forest and is situated in the middle of miles and miles of hiking and biking trails.

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7422 W Whitehorn Trail Peoria, AZ 85383

Open House

$658,000

4 Beds

3 Baths

2,084 SqFt

Status Active

MLS # 6774992

Property Type Single Family Residence

Price Type --

This is it and ready for the holidays! Experience the charm of Aloravita, nestled within the scenic mountains of Peoria. This community boasts breathtaking views and is conveniently located minutes away from shopping, dining, hiking trails and more! Our popular 'Tamarron' floorplan features 4 full bedrooms with a study, 3 bathrooms, 2 Car-Garage and a private yard with views! Designer selected finish includes Birch Burlap Cabinetry, Quartz Kitchen Countertops, Wood Like Tile Throughout, and Plush Carpet in all the bedrooms. This beautiful home will have it all including 8' doors, Gourmet Gas Kitchen, Smudge Proof Stainless Steel Appliances, Blinds, Pre-Plumb for Soft Water, and Smart Home Technology. Photos of similar spec home to show layout, options may vary-finishing final touches**

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9617 E Camino Del Santo -- Scottsdale, AZ 85260

$658,000

3 Beds

2.5 Baths

1,687 SqFt

Status Active

MLS # 6754442

Property Type Single Family Residence

Price Type --

This wonderful home provides an opportunity to enjoy the Scottsdale lifestyle at an affordable price in this highly-sought-after community. This completely remodeled home boasts vaulted ceilings, stainless steel appliances, wood shutters, a fireplace, granite counters and updated bathrooms. As you enter, you'll be delighted with the spacious great room/formal dining area, soaring ceiling and lots of natural light. A master suite with custom bathroom, walk in shower with custom tile bench and double vanity. The second bedroom downstairs has its own half bath and there is second master suite upstairs with full bathroom including custom shower/tub combo. Outside, the private yard boasts a side completely shaded by sunshades with beautiful artificial grass and a large storage room.

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2121 W Sonoran Desert Drive Unit 43 Phoenix, AZ 85085

$657,995

3 Beds

3 Baths

2,038 SqFt

Status Active

MLS # 6728548

Property Type Townhouse

Price Type --

This beautiful home was perfectly crafted to fit your lifestyle. The open-concept kitchen flows effortlessly into the great room and dining room, making this floor plan ideal for entertaining. Additional features in this home include quartz countertops, stainless steel appliances and upgraded flooring. Contemporary neutral paint colors throughout makes this home ready for you to add your personal touches.

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