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

4657 E Matt Dillon Trail Cave Creek, AZ 85331

$650,000

3 Beds

2 Baths

1,700 SqFt

Status Active

MLS # 6778168

Property Type Single Family Residence

Price Type --

Highly sought after Dove Valley Ranch gated community in Cave Creek, this darling home enjoys views of Black Mountain to the north and a widespread wrap around desert wash out back, giving you only one direct neighbor. Idyllic privacy and peaceful views surround. A true 3-bedroom/ 2 bath, entry room can be used for a multitude of lifestyle needs. Open kitchen concept with continuous wrap around granite counters and center island. Ample cabinet storage, stainless appliances, gas range with natural light pouring in. Double French doors off the great room lead your living space to a beautiful backyard with newly laid turf and expansive paver patio. Flowing room to entertain and enjoy AZ living! Light wood floors carried throughout all bedrooms, granite counters in bathrooms, oil rubbed bronze fixtures consistent throughout the home. Ready to get outside... Enjoy trails woven throughout the community, play a round at the Dove Valley Golf Course nestled within the neighborhood at the end of the street. Designed to be player friendly and amongst the prettiest desert landscape you'll find around. Phenomenal restaurants home to Cave Creek just minutes away, incredible hiking experiences out your back door.

View Property

15101 W Waterford Drive Surprise, AZ 85374

$650,000

2 Beds

2.5 Baths

2,406 SqFt

Status Active

MLS # 6778489

Property Type Single Family Residence

Price Type --

Experience resort-style living with this elegant home offering unparalleled views! Nestled on a prime golf course lot in the Sun City Grand community, this immaculate 2 bedroom, 2.5 bathroom home with a den showcases breathtaking panoramic views of the golf course and distant mountains. The open floor plan is designed for both comfort and style, with the outdoors in and a media center wall with a custom fireplace, perfect for cozy gatherings. The dream kitchen is equipped with Corian countertops, mosaic tile backsplash, skylight, and stainless steel appliances. The large primary bedroom has a slider to the patio. Ensuite features double sinks, a jetted tub, and a huge walk-in closet. Secondary bedroom with full private bathroom is perfect for your guests. Outside, relax in your private backyard oasis with a spacious covered patio, a built-in BBQ, cool decking, a custom waterfall, and a serene pond surrounded by a pony wall. The 2-car garage with a separate golf cart garage is finished with epoxy flooring and ample storage cabinets. With access to golf, swimming, and countless recreational amenities, this gorgeous Jasmine model offers the ultimate in retirement luxury.

View Property

34027 N 140th Place Scottsdale, AZ 85262

$650,000

3 Beds

2 Baths

2,000 SqFt

Status Active

MLS # 6778608

Property Type Single Family Residence

Price Type --

Beautiful new home, ready to move into! 3 bedroom, 2 bath, with den or office. Cul-de-sac lot. Large master suite/closet, and all tile master shower. Carpeted bedrooms with upgraded pads. Spacious open floor plan, great room, and kitchen. Quartz countertops, tile backsplash, spacious pantry with built-in-selves. Stainless steel appliances, sit-down kitchen island, and vaulted ceilings. Generous paver stone patio to enjoy desert mountain views. 3-car garage with workspace. Spacious laundry room and storage room, both with cabinets! Solar tube for natural light in laundry room. Long lasting synthetic stucco finish, 2 panel interior doors. Horses OK. Owner Agent.

View Property

7500 E Deer Valley Road Unit 87 Scottsdale, AZ 85255

$650,000

4 Beds

2.5 Baths

2,371 SqFt

Status Active

MLS # 6727580

Property Type Single Family Residence

Price Type --

LONG LIVE SUMMERTIME. This is the perfect setting for the moments that last a lifetime. Need space? This move-in ready home in the popular Arizona Silverado subdivision is the answer. This stunning home welcomes with comfortable, smartly-designed spaces. The kitchen has all the upgrades you want: granite counters, stainless steel appliances, breakfast bar and pantry. You'll love the easy-care engineered wood flooring throughout. The large primary suite has lots of natural light, a walk-in closet and the bathroom has a separate walk-in shower. Everyone loves a loft and this one is quite spacious. If you promised yourself the best in life, you can keep that promise. Move-in ready for a summer full of fun, Arizona-style! Nearby you will find a fun neighborhood park with world-class shopping, dining and medical facilities. Every kind of recreation imaginable awaits. Convenient access to the Loop 101 freeway, you're just minutes from Salt River Fields, Talking Stick Resort, Scottsdale Fashion Square Mall and Sky Harbor Airport. It is impossible to be bored when you live in the Valley of the Sun. This area offers scenic beauty, miles of natural parkland, picturesque lakes, and a wide variety of activities, events, and attractions for every interest. Surrounding cities and metropolitan areas offer a unique mix of culture, shopping, sports stadiums, concert arenas, and attractions ranging from the cosmopolitan to the Southwestern.

View Property

1326 N Central Avenue Unit 305 Phoenix, AZ 85004

$650,000

2 Beds

2.5 Baths

1,760 SqFt

Status Active Under Contract

MLS # 6693883

Property Type Apartment

Price Type --

Seller willing to prepay one year HOA fees as incentive! BRAND NEW AC! Welcome to your new downtown dream loft! Take in an amazing cityscape from the large open 3rd floor living area, including kitchen, dining, living room, half bath, and patio. An entertainer's dream! Kitchen recently updated with all new appliances and gorgeous quartz countertops. New light fixtures and hardware throughout. As you head downstairs you'll find a functional office/flex space, complete with your guest's favorite murphy bed. In the grand primary, you'll have a luxurious walk-in closet, double vanity, spacious shower, and soaking tub. Lower level also includes a full secondary bedroom with its own private patio, second bathroom, ample storage, and laundry room with brand new washer/dryer (+ more storage!). All this AND an owned EV charging station! Conveniently located in the heart of Downtown Phoenix. Walking distance to the Roosevelt Row Arts District, Burton Barr Library, Margaret T. Hance Park, The Japanese Friendship Garden, and all of the excitement of DTPHX. You won't want to miss this opportunity!

View Property

2917 E Keim Drive Phoenix, AZ 85016

$650,000

2 Beds

2.5 Baths

1,488 SqFt

Status Active Under Contract

MLS # 6775883

Property Type Single Family Residence

Price Type --

Welcome to Keim Drive! This private bungalow on the Arizona Biltmore Golf Course offers unparalleled views of the 12th hole, stretching south toward downtown Phoenix. On the market for the first time in almost 30 years, the property has been beautifully restored and meticulously maintained by its current owners. The main level showcases a spacious great room with sweeping views of the green, a well-appointed chef's kitchen, and a convenient powder room. Upstairs, the oversized primary suite features a walk-in closet and an updated, resort-inspired bathroom. Natural light floods the second level from the skylight above the stairwell, creating a warm welcome to both the primary bedroom and the generously sized guest bedroom. Just beyond, you'll find a beautifully finished hall bathroom and an upstairs laundry room. Don't miss this rare opportunity to own a slice of paradise at the Arizona Biltmore!

View Property

13812 W Parada Drive Sun City West, AZ 85375

$650,000

3 Beds

3 Baths

2,543 SqFt

Status Active Under Contract

MLS # 6749644

Property Type Single Family Residence

Price Type --

Must see this spacious, upgraded property on the 11th hole of Deer Valley Country Club! This light-filled home is updated with new flooring, tall baseboards, water softener, new water heater, solar tubes, plantation shutters, and the roof underlayment! The grand double door entryway leads to a formal living/dining space with SPECTACULAR view. Eat-in kitchen updates include NEW cabinets, granite & appliances. Both downstairs baths have new cabinets & beautiful showers! A huge primary suite upstairs has a walk-in closet & spectacular bathroom. Two bedrooms plus den are on the first floor, as well as a laundry room w/ storage, and lovely Arizona room to enjoy your GOLF COURSE VIEWS! Coveted 2.5 CAR GARAGE! Don't miss your chance to own the best of AZ living!

View Property

1514 N Amarillo Street Casa Grande, AZ 85122

$650,000

4 Beds

3 Baths

3,740 SqFt

Status Active Under Contract

MLS # 6761949

Property Type Single Family Residence

Price Type --

Welcome to a rare 2x6 constructed basement home at 1514 N. Amarillo St., Casa Grande, AZ, where elegance meets functionality in a stunning 4-bedroom residence. Nestled on an expansive 14,159 square foot lot, this property boasts the most beautiful, lush, mature landscaping, including delightful fruit trees, creating a serene oasis right in the heart of Casa Grande. As you approach, you are greeted by a charming courtyard and a mature shade tree that set the tone for the beauty within. Inside, you'll find a cozy receiving area adorned with a harmonious blend of carpet and tile flooring, complemented by a soothing color palette. The spacious living room and formal dining area invite you to relax and entertain. The great room is a true highlight, featuring vaulted wood plank ceilings, exposed beams, and a stunning brick fireplace that adds warmth and character. The kitchen is a chef's dream, showcasing ample wood cabinets, granite counters, a stylish stone backsplash, recessed lighting, stainless steel appliances, water filtration system and a large island with a breakfast bar, perfect for casual dining. The expansive primary suite provides direct access to the tranquil backyard and features an ensuite bathroom with dual vanities, a makeup table, a standalone tub, custom walk-in shower and an impressive walk-in closet. Down the hall you'll find the second bedroom, bathroom and generous laundry room, equipped with a sink, a wall-mounted ironing board, a hanging bar, and room for a refrigerator or deep freeze. Venture to the finished basement, where you'll discover two additional bedrooms one with a generous walk-in, jack and jill bathroom, a versatile bonus room, ideal for a media center or playroom and ample storge. The garage comes equipped with a workshop and abundant storage options, ensuring you have space for all your needs. Step outside to the serene backyard, where a covered patio, attached Ramada, and inviting pool create the perfect setting for outdoor gatherings and relaxation. This exceptional home truly has it all, offering a unique blend of comfort, style, and abundant space in a prime location. Don't miss out on the opportunity to make this stunning property your own!

View Property

18926 E Latigo Lane Rio Verde, AZ 85263

$650,000

3 Beds

3 Baths

2,813 SqFt

Status Active Under Contract

MLS # 6760895

Property Type Single Family Residence

Price Type --

THIS HOME IS PRICED TO SELL! Charming, one-of-a-kind home in the desirable Rio Verde community. Original owner home has three bedrooms ensuite, all oversized. Huge bright and sunny great room/library was a major addition. Custom designed and installed outdoor lighting. Large lot is walled in for privacy. Great entertaining back yard! Rio Verde is truly the place to retire to and live a fun life! This 55+ community boasts two parkland golf courses, clubhouse with two dining facilities, non-denominational community church, beautiful heated community pool and hot tub, rated tennis, pickleball, bocceball, horseshoes and a state of the art exercise facility. Golf memberships are available for Rio Verde Country Club. What are you waiting for??? The fun awaits you!

View Property

1603 N El Dorado Court Chandler, AZ 85224

$650,000

4 Beds

2 Baths

2,029 SqFt

Status Active Under Contract

MLS # 6778551

Property Type Single Family Residence

Price Type --

Discover the endless possibilities with this beautifully upgraded Chandler gem, tucked away in a private cul-de-sac on a nearly 16,000 sq ft lot with no HOA. You'll find ample space to create the lifestyle of your dreams—imagine building a guest house, designing a gorgeous garden beyond the charming white picket fence in the backyard, and enjoying the ultimate outdoor oasis. This meticulously maintained home offers modern amenities and thoughtful touches, including OWNED solar panels, a freshly painted exterior, and energy-efficient upgrades. Step into a fully updated kitchen (2022) featuring elegant shaker cabinets, granite countertops, a stainless steel sink, and high-end LG and Samsung appliances. Cont... The entire house boasts wood-grain ceramic tile throughout and you'll love the cozy stack stone fireplace. Enjoy year-round comfort with a new 5-ton Lennox A/C unit, new ductwork (2024), and a recently installed insulated garage door with quiet rollers. Outside, a newly resurfaced Pebble Sheen pool (2023), custom RV gate, extended driveway, and full RV hookups make this home perfect for adventurers. The front yard's fresh landscaping, complete with artificial grass and paver steps, adds the perfect curb appeal. This move-in-ready home offers a rare blend of privacy, convenience, and potential in a highly desirable location. Check the documents tab for a complete list of the extensive upgrades. The possibilities here are truly endless!

View Property

18805 N 31st Drive Phoenix, AZ 85027

$650,000

4 Beds

2 Baths

2,077 SqFt

Status Active Under Contract

MLS # 6767826

Property Type Single Family Residence

Price Type --

Welcome home! This stunning 4-bed, 2-bath single story residence offers the perfect blend of style and functionality. Step into a beautifully remodeled interior, filled with natural light and elegant, airy finishes throughout. Situated on one of the largest lots in the community, this property is an entertainer's dream, featuring a sparkling diving pool, relaxing spa, custom putting green, and a spacious patio ideal for outdoor gatherings. With plenty of room for your RV, boat, ATVs, and more, the RV hookup, gate, and expansive backyard make this home perfect for all your outdoor storage needs. Recently updated with newer AC units and a completely remodeled kitchen and bathrooms. Plus, enjoy the freedom of NO HOA! Conveniently located just minutes away from shopping, dining, and so much more. This move-in ready gem is ready to welcome youBook your private tour today!

View Property

1373 W Cindy Street Chandler, AZ 85224

$650,000

4 Beds

2.5 Baths

2,018 SqFt

Status Active Under Contract

MLS # 6775478

Property Type Single Family Residence

Price Type --

Welcome to your dream home—this completely upgraded oasis is designed for comfort, style, and elevated living. The open-concept layout flows effortlessly, perfect for both entertaining and relaxing. The kitchen, a chef's dream, features high-end appliances, custom cabinetry, and a view of the expansive backyard. The outdoor space is an entertainer's paradise with a sparkling pool, extended travertine decking, a putting green, and extended artificial turf for low-maintenance enjoyment. Unwind in the downstairs master suite, while upstairs offers three bedrooms and a versatile loft. The garage has been transformed into the ultimate man cave, ideal for hobbies or relaxation. This home offers the perfect blend of luxury, convenience, and a lifestyle built for creating lasting memories!

View Property