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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9961 S Centennial Road
Apache Junction, AZ 85120
$654,990
5
Beds
3.5
Baths
3,027
SqFt
Status
Active
MLS #
6750831
Property Type
Single Family Residence
Price Type
--
Up to 3% of base price or total purchase price, whichever is less, is available through preferred lender plus additional 2% of base price or total purchase price, whichever is less, is available to be used toward closing costs, pre-paids, rate buy downs, and/or price adjustments. The Prato floor plan is an elegant two-story home featuring five bedrooms, an upstairs loft, and a spacious flex area perfect for an office, TV room, or study. Complete with front yard landscaping, this home will be ready for occupancy by October or November. It is conveniently located near community parks, grocery stores, and restaurants.
18956 W Ocotillo Road
Waddell, AZ 85355
$654,990
4
Beds
3.5
Baths
2,561
SqFt
Status
Active
MLS #
6739341
Property Type
Single Family Residence
Price Type
--
It's the very popular Cinnabar floor plan with 4 bedrooms + study, 3.5 baths and a 3 car tandem garage. Located in Windrose in Waddell. Multi slide door off the great room. Pavers at drive, walk and entry. 8' gate on garage side of home. Kitchen upgrades includes - stainless steel gas appliance package with 30'' cooktop and canopy hood. Sonoma Linen-off white cabinets with 42'' kitchen uppers. DT White Ice G238 granite countertop with enhanced kitchen island, undermount single bowl kitchen sink. Flooring includes 7x 24 plank tile in all areas of the home except beds/baths. 5'' baseboards throughout and 3 1/4'' door casings. Dual sink at bath 2, soft water loop, garage service door that leads out to the backyard and so much more.
18938 W Ocotillo Road
Waddell, AZ 85355
$654,990
4
Beds
2.5
Baths
2,561
SqFt
Status
Active
MLS #
6739870
Property Type
Single Family Residence
Price Type
--
September completion -Cinnabar floor plan with 4 bedrooms + study, formal dining, 2.5 baths. This home is stunning with the multi slide door off the great room and leads out to the covered patio. Pavers at drive, walk and entry. Stainless steel gas appliance package with 30'' cooktop, wall oven, microwave and hood. Barnett maple Boulder-gray cabinets with 42 kitchen uppers. Pull out trash drawer with two bins. Stainless steel undermount single bowl sink. AZT Hana Sky quartz countertops in kitchen and owner's bath. Upgrade flooring includes DT Broxburn Gray 6x24 plank tile in all areas of the home except bedrooms and closets. 5'' baseboards and 3 1/4'' baseboards. Dual sinks at bath 2. 8' tall garage door with two controls, garage service door and so much more.
7718 W Crabapple Drive
Peoria, AZ 85383
$654,990
3
Beds
2
Baths
1,982
SqFt
Status
Active
MLS #
6741362
Property Type
Single Family Residence
Price Type
--
MLS#6741362 December Completion! The Iris is a 1-story floor plan that comes standard with 1,982 sq. ft., 3 bedrooms, 2 bathrooms, 2-car garage, and a flex room. The only single-story floor plan at Aloravita South Discovery, this home is sure to please. The foyer brings you to a hallway with the secondary bedrooms and a full bathroom. As you continue through the home, you are taken to the open kitchen, casual dining, great room area and the flex room. Enjoy the beautiful Arizona weather from your private covered patio. The primary suite has a private bathroom with double sinks and an expansive walk-in closet and will be the perfect retreat.
37510 W Nina Street
Maricopa, AZ 85138
$654,990
4
Beds
3.5
Baths
3,240
SqFt
Status
Active
MLS #
6762871
Property Type
Single Family Residence
Price Type
--
Don't miss your chance to own this amazing home! This Sedona plan home features a flexible activity room AND home office! Your expansive gourmet kitchen is designed with stacked cabinetry, buffet-style lowers, gas cook top, and double ovens! The bright great room with multi-slide glass door is ideal for gathering with family and friends. The Primary Suite is expertly designed with a resort like bath with freestanding soaking tub. Take out the toys from your THREE CAR GARAGE! Say hello to luxury, Maricopa and see why K. Hovnanian is the First Name in Lasting Value!! ^^Up to 6% of Base Price can be applied towards closing cost and/or short-long term interest rate buydowns when choosing our preferred Lender. Additional eligibility and limited time restrictions apply.
2362 S Buttercup --
Mesa, AZ 85209
$654,900
2
Beds
2
Baths
2,128
SqFt
Status
Active
MLS #
6779452
Property Type
Single Family Residence
Price Type
--
Absolutely wonderful golf course home in active 55+ community of Sunland Village East. 2 bedrooms plus den/office, 2 bathrooms, 2 car garage. Vaulted living/dining area, open kitchen family room. Quartz counters, newer upgraded cabinets, pull-out drawers, newer appliances, refrigerator conveys. Master bathroom has snail shower, new 36'' vanities, double sinks, walk-in shower. Guest bathroom updated as well. Tile flooring, marble window sills, plantation shutters, exterior security roller shields, front & back security doors. Screen patio as well as covered pergola sitting area. Additional electrical outlets in garage and patio, A/C 2018. Many more detailed upgrades, walking distance to proshop/restaurant. Don't miss out!
4444 E Bethena Street
Gilbert, AZ 85295
$654,900
4
Beds
3
Baths
2,420
SqFt
Status
Active
MLS #
6751104
Property Type
Single Family Residence
Price Type
--
Welcome to this charming 2-story home in the popular community of Cooley Station. It features a lush, well-manicured front yard with an inviting front porch with flowers all around. Step into a spacious living room with lots of light. The kitchen is light and bright and includes white cabinetry, recessed lighting, granite counters, stainless appliances, wall ovens and center island with breakfast bar. There are expansive sliding doors and an adjacent dining area that look out onto the sunny courtyard. The travertine patio has been extended and the artificial turf is low maintenance and aesthetically vibrant. The spacious primary bedroom is on the main floor and has a view of the courtyard. The primary ensuite bathroom boasts a large tub, separate shower, dual vanities and walk in closet. Off the living area, and down the hall, there are two bedrooms and a full bathroom on the main floor. There are also two large closets in the hallway for added storage. The laundry room has upper and lower white cabinets and windows and is located off the kitchen across from the generous pantry. Up the stairway, you will find a huge loft area that can be used as an additional living space or as a separate living space for mother-in-law, teen, etc. There is an additional bedroom, closet, and full bathroom upstairs. The 2-car garage and 2 car driveway are in the back of the house and provide space for storage as well as two large vehicles. The location can't be beat with walking distance to the basketball courts, kids playground, bbq area and fields. The community pools, Fry's Marketplace, Crust, and multiple other eateries are a short bike ride away. Come see this fabulous neighborhood!
38218 W Camelback Road
Tonopah, AZ 85354
$654,000
5
Beds
4
Baths
3,270
SqFt
Status
Active
MLS #
6721936
Property Type
Single Family Residence
Price Type
--
Gorgeous custom home on 5 acres with magnificent mountain views and tons of privacy! This home features 5 bedrooms and 4 baths...yes you read that right! 19 foot ceilings with wood beams, and 2 stone fireplaces. The kitchen boasts beautiful granite counters, and raised panel cherry cabinets as well as SS appliances. Split floorplan with spacious master bedroom down stairs and 4 bedrooms upstairs. This home is a dream for entertaining your family and friends! 4 car garage. 2 large corrals with shade and 5 stall barn with tack room. There is also a 200 amp service for RV Hook up and water. The property has a private well and backyard fencing and an amazing back porch to enjoy your morning cup of coffee with no city noise, just your dogs running around the property enjoying life!
345 E Palomino Court
Gilbert, AZ 85296
$654,000
5
Beds
2.5
Baths
2,376
SqFt
Status
Active
MLS #
6727415
Property Type
Single Family Residence
Price Type
--
Move-in-ready Home in prime location, Gym & pool amenities across the street & walking distance to downtown Gilbert for dining & entertainment. Extensively remodeled with $150,000 in recent upgrades, featuring a luxurious master bathroom with large walk-in shower and freestanding 70'' soaking tub. All 2.5 bathrooms showcase quality tiled floors and walls. Elegant plantation shutters throughout, custom wood floors, crown molding, stairway, and fireplace enhance the home's appeal. The 5 bedroom and 3 car garage provide ample space for all. The kitchen boasts contemporary features: oversized sink, granite countertops, peninsula with a breakfast bar, high quality soft-close cabinets with lazy susan corners, new pantry with frosted glass doors and under-cabinet lighting. Recessed lighting and new fixtures illuminate the home beautifully.Outside find new sunscreens and an energy efficient A/C replaced in 2018. Enjoy the quiet cul-de-sac setting with easy access to the community park, basketball/pickleball court, and playground. This rare 5 bedroom find combines comfort, style, and location! A MUST SEE!
18419 W Elwood Street
Goodyear, AZ 85338
$654,000
5
Beds
3.5
Baths
3,660
SqFt
Status
Active
MLS #
6736532
Property Type
Single Family Residence
Price Type
--
Welcome to your dream home! Stunning 5-Bedroom Smart Home with Resort-Style Backyard Oasis. This 5-bedroom, 3.5-bathroom residence offers the perfect blend of luxury, comfort, and modern convenience. With a spacious layout of 3660 Sq Ft and top-of-the-line features, this home is designed to cater to all your needs. Enjoy year-round swimming with a heated AND cooled Pebble Tec custom saltwater pool, complete with a cascading water feature for a resort-like feel. The home is the perfect setup if you work from home~ With cat 5 wiring throughout. Take a break during lunch and dip the refreshing pool! The roomy backyard that features an added extended patio for ample shade and a grassy astro turf play area for children or pets. Perfect for entertaining family and friends year-round This modern home offers Energy Efficiency with Solar panels that keep your home cool during the hot Arizona summers while greatly reducing energy costs. With Smart Home Technology that includes convenience to control solar panels, thermostat, pool, lights, oven, refrigerator, and security system with cameras with ease using integrated apps. A special feature includes a convenient central vacuum system on both levels. The gourmet style kitchen is upgraded with rich maple/alder cabinets with soft-close drawers, roll outs, light rail, crown molding, granite countertops, a large kitchen island, and stainless-steel appliances including a café French door refrigerator and gas stove for the chef in the family. Spacious living areas include a formal living room, formal dining and family room. A large upstairs loft, perfect for a children's play area, hobby space, work out area or office. The oversized master suite features French doors leading to a private patio with mountain views and beautiful Arizona sunsets. Relax in the master ensuite with a walk-in shower, soaking tub, dual sinks, private toilet room, and an expansive master closet. Additional features include paved cobblestone driveway and front porch, double RV gate, 4-car garage, complete R/O system, soft water system, upgraded maple/alder stair rails with dramatic entry, faux wood window treatments, utility sink & cabinets in the laundry room and additional half bath near family room. Community perks in Las Brisas include open grassy parks, ramadas, basketball courts, volleyball courts, and many play structures and grassy open areas. Conveniently located near schools including La Brisas Academy. I10 Freeway and Goodyear Ballpark plus eateries close by! Nearby Estrella Mountain Regional Park, with 20,000 acres of pristine desert, is nearby with mountains and a large wetland. Many amenities are available to visitors, including baseball fields, the only grass picnic area (65-acres) in the Maricopa County Park System, a golf course, fishing from the Gila River, and over 33 miles of trails for hiking, mountain biking, and horseback riding. Don't let this one slip by! Move in ready with all the bells & whistles included!
10585 E Cinnabar Avenue
Scottsdale, AZ 85258
$654,000
3
Beds
2
Baths
1,902
SqFt
Status
Active
MLS #
6752033
Property Type
Townhouse
Price Type
--
Fully Furnished - Turn-key Luxury in Scottsdale Ranch's Heritage IV adult 55 + community. Just bring your suitcase! Discover the ease of Luxury Living in the prestigious Heritage 4 enclave within Scottsdale Ranch. This true 3 bedroom home offers a refined, turn-key experience with everything ready for you. Fully furnished and featuring newer appliances, fresh exterior paint (2023) , new W/D(2024), water heater ( 2020) a beautifully updated paver patio (2022) and A/C unit (2022), you'll enjoy a seamless and easy move in. A vibrant lake community , the lifestyle here includes serene walking paths, private streets, tennis courts and access to two sparkling pools and over 60 + clubs. Forget about yard work and focus on relaxation and play- the HOA cares for the front yard. Live the carefree, Luxurious lifestyle you've been waiting for in Scottsdale Ranch's Heritage 4. Act now -this is a special home
3794 E Terrel Street
San Tan Valley, AZ 85143
$652,990
4
Beds
3
Baths
2,604
SqFt
Status
Active
MLS #
6763777
Property Type
Single Family Residence
Price Type
--
This home has it all with room for your guests and all of your toys! Popular Explorer plan features a full guest suite with its own private entrance as well as it's own RV garage. This home is situated in the amenity rich community of Bella Vista Farms. Residents enjoy an amenity-rich lifestyle with exclusive access to an onsite swimming pool, picnic area, splash park, playground, basketball court, volleyball court and greenbelt. The local area is host to the San Tan Regional Park, where locals enjoy biking, hiking, horseback riding and more.