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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9022 W Ross Avenue Peoria, AZ 85382

$650,000

5 Beds

2.5 Baths

2,764 SqFt

Status Active

MLS # 6748230

Property Type Single Family Residence

Price Type --

You will LOVE this well taken care of 5 bedroom, 2.5 bath, 3 car garage home. This amazing home has huge kitchen with granite counter tops, kitchen island and large walk-in pantry. The master suite has plenty of room to relax, with master bathroom featuring dual sinks, separate tub and shower. Upstairs features open loft area with large secondary rooms. The resort style backyard is amazing with pool, gazebo including built in BBQ on a huge lot with no neighbors behind. In last two years owners have updated AC units, pool eq, carpet, and so much more. Come check it out and fall in love. Winter grass just put in down. Home warranty included(750.00)buyers can choose company. Empty nesters ready for a new family to love this home. Best 5 bdrm for 235$ sqft in the area!!

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1514 E Estrid Avenue Phoenix, AZ 85022

$650,000

3 Beds

2 Baths

2,245 SqFt

Status Active

MLS # 6747440

Property Type Single Family Residence

Price Type --

2024 Remodel Loaded with Upgrades and New A/C Unit, Picturesque Corner lot with Stunning Mountain Views, Mature landscaping, Living/Dining room features Vaulted ceilings, Clerestory windows, Plantation Shutters, & Elegant Wood-look flooring. The Cozy Family room has an inviting Fireplace for relaxing evenings. The Kitchen comes with a breakfast nook, Quartz counters, Abundant White cabinetry, a Subway tile Backsplash, SS appliances, a pantry, & an Island/Breakfast bar. The versatile den is ideal for an office, study, or a 3rd bedroom. The sizeable main bedroom offers plush carpeting, an ensuite with dual vanities, soaking tub, & walk-in closet. The serene backyard oasis includes a covered patio, stylish pavers & a lawn. Make it yours!

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12641 N 18th Place Phoenix, AZ 85022

$650,000

3 Beds

2.5 Baths

1,778 SqFt

Status Active

MLS # 6764990

Property Type Single Family Residence

Price Type --

Spectacular hillside home perfectly situated on one of the best view lots in the Gated community of Sweetwater Vistas. From the moment you walk in the home you are greeted by the City light views of Downtown Phoenix, Scottsdale, PV, all the way up to Cave Creek/Carefree plus Four Peaks, McDowell Mountains, and countless other mountain peak views. Thoughtful great room floor plan that maximizes the view corridor while providing functional living with the primary bedroom on the main level. The kitchen has been tastefully remodeled with stunning white quartz countertops and backsplash, all new GE appliances, on trend gold faucet and cabinet hardware. The great room seamlessly transitions to the back patio where you can really appreciate everything the view has to offer with stunning 180 degree views. Brand new flooring throughout, hard surfaces are a waterproof Luxury Vinyl Plank and DreamWeaver Carpet. Large primary suite features stunning views, remodeled bathroom with separate shower and soaking tub plus generous walk-in closet. Conveniently located next to countless outdoor activities and restaurants, easy access to FWY and HWY 51, 101, and 17.

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12446 W Via Caballo Blanco -- Peoria, AZ 85383

$650,000

4 Beds

3 Baths

2,375 SqFt

Status Active

MLS # 6750137

Property Type Single Family Residence

Price Type --

BETTER THAN NEW! Beautiful 4 bedrooms, 3 bathrooms + a bonus/flex room! Professionally landscaped & lighted, artificial turf, gas fire pit, Over $30,000 spent on professional landscaping! Overhead storage in 3 car tandem garage with WI-FI opener, tankless water heater, 5 BURNER GAS STOVE,, 48'' cabinets, pantry, Quartz, hanging pendant lights, high 10' ceilings, extra tall 8' panel doors, ceiling fans, dual pane, sunscreens, smart thermostats, LED's t/o, Ring*, custom security screen door, keyless Wi-Fi door lock. Split floorplan, Primary bath boasts large shower & 2 walk-in closets, double vanities. Whole-house fire sprinklers, rain gutters, Awesome location next to greeenbelt. APS is $127/month on equalizer plan. Easy commute to TMSC plant and a short drive to the new Fry's Marketplace set to open Nov 6th! Also enjoy convenient access to upcoming high-end retail and dining options at Five North, along with additional shopping and restaurant areas that are breaking ground nearby. This Aspen floor plan is a version of Lennars NEXT GENERATION HOMES, It has a wing of the home that has 2 bedrooms a bath and a flex room that could be a TV room and mini kitchen with a microwave or toaster oven, the only thing it doesn't have that next gens do is the door that locks between the sections.

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3023 Portside Drive Prescott, AZ 86301

$650,000

3 Beds

2 Baths

1,936 SqFt

Status Active

MLS # 6754509

Property Type Single Family Residence

Price Type --

Take a look at a newer build & spacious 4-car garage in Willow Hills Sub. This well kept open floor plan with charming & welcoming front porch entry has all the privacy located on cul-de-sac with views of Bill Williams range, Granite Mtn. & peek-a-boo views of Granite Dells. Gorgeous screened-in covered back patio is located off great room & formal dining for easy access. Newer painting in some rooms, all window cov. replaced. Great rm has gas fireplace & is open to eat-in kitchen with island, stainless steel appliances with granite countertops flanked by Espresso stained cabinetry. Separate bedrooms has split plan from primary & gives everyone their own living space. Primary has snail shower, walk-in closet, dual vanities & security giving access to screened-in patio. Text to show

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6115 S Juniper Street Tempe, AZ 85283

$650,000

4 Beds

2 Baths

2,006 SqFt

Status Active

MLS # 6757230

Property Type Single Family Residence

Price Type --

Welcome to this exceptional home in a prime Tempe location, within the award-winning Tempe School District. Enjoy a convenient commute to ASU, Mill Avenue, entertainment, shopping, and medical facilities, with the high school just a short walk away. Beautifully remodeled in 2022, this home boasts neutral two-tone interior paint & tastefully selected accent wallpaper. Recent updates include roof, 2021 Bosch HVAC system, windows, hot water heater, & designer shutters on the front windows —ensuring this home is move-in ready. As you drive up, you'll appreciate the low-maintenance natural desert landscaping, mature trees, pavers, & excellent curb appeal, enhanced by fresh 2022 exterior paint. Inside, the open & bright floorplan flows seamlessly through the common areas. The built-in entertainment area features a bar, coffee station, & wine cooler, making it perfect for relaxation & gatherings. The chef's kitchen is a standout with new upgraded Café appliances, soft-close Shaker cabinetry, pendant lighting over the peninsula counter, recessed lighting, Quartz countertops throughout, & an easy access pantry. Enjoy lovely views of the backyard through the new windows. The home includes a large master suite with a walk-in closet & a master bath equipped with soft-close vanity, double sinks, & a spacious shower. There are three additional bedrooms, one more bathroom, and a large laundry room with a 2022 Samsung washer & dryer. The garage features a 50-gallon water heater & epoxy floors, with the programable thermostat for the new 2021 Bosch HVAC unit, conveniently located in the hallway. Step through the private master exit to your private oasis backyard, complete with pavers, an extended patio, & multiple tiered garden areas. Additionally, an airconditioned, standalone multipurpose room, ideal for use as a guest room, office, studio, or currently used as a fitness room complete with sauna. This home is spic n span clean & available for a quick close. ALL of this & NO HOA! Come experience the warmth & charm of this inviting home for yourself!

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15492 W Campbell Avenue Goodyear, AZ 85395

$650,000

5 Beds

3.5 Baths

3,900 SqFt

Status Active

MLS # 6755869

Property Type Single Family Residence

Price Type --

Basement homes are not synonymous with Arizona. Welcome to Palm Valley Living at it's finest! This well appointed home has 5 bedrooms 3.5 bathrooms with 3900 sq ft for your enjoyment. 3 car garage and a neutral pallet makes this one a winner!

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5307 E Cambridge Avenue Phoenix, AZ 85008

$650,000

3 Beds

2 Baths

1,300 SqFt

Status Active

MLS # 6758567

Property Type Single Family Residence

Price Type --

Welcome home! This 3-bed, 2-bath property features a spacious front lawn, a convenient garage, and an extended driveway. The living room offers a soothing palette, classic plantation shutters, and attractive wood-look flooring. Enjoy delicious meals in the eat-in kitchen, equipped with skylights, granite counters with a matching backsplash, ample custom wood cabinetry, recessed lighting, stainless steel appliances, a handy pantry, and an island with a breakfast bar. The cozy main bedroom showcases a walk-in closet and a private bathroom for added convenience. Discover a sizeable backyard complete with a covered patio, stylish pavers, fragrant citrus trees, an RV gate that leads to a detached garage holding endless opportunities such as workshop or for extra living! Don't miss out on this fantastic opportunity to make this home yours!

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11207 N 109th Place Scottsdale, AZ 85259

$650,000

3 Beds

2.5 Baths

1,993 SqFt

Status Active

MLS # 6763576

Property Type Townhouse

Price Type --

BRAND NEW AC UNIT! Don't miss out on this 3 bedroom 2.5 bath townhome, located in Scottsdale. This home offers new flooring, new ac unit, new stove and great floor plan. When you walk in you will be immediately greeted with charm and a beautifully kept home. All bedrooms are located upstairs with a half bath downstairs. Washer and dryer are located in the half bath that is right off the kitchen. This home offers a two car garage with extra room for storage. Enjoy the community features of a pool, spa and tennis courts.

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18211 W College Drive Goodyear, AZ 85395

$650,000

4 Beds

3 Baths

2,343 SqFt

Status Active

MLS # 6763744

Property Type Single Family Residence

Price Type --

ASSUMABLE LOAN AT 2.99%! Welcome to your dream home in the prestigious Sedella community of Goodyear. This 2022-built residence offers 4 bedrooms & 3 bathrooms, designed with an open split floorplan with a dedicated teen room adding versatility to your lifestyle. Culinary enthusiasts will adore the kitchen, equipped with a gas cooktop, walk-in pantry, & a large island with a breakfast bar—ideal for gatherings or casual dining. Step outside to your private paradise, where a shimmering pool & artificial turf create a perfect backdrop for relaxation & entertainment. The 3-car garage & RV gate ensure ample space for vehicles & storage, while the proximity to 3 local parks offers endless recreational opportunities for the whole family. Don't miss out on this home or this rate!

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19118 E Apricot Lane Queen Creek, AZ 85142

$650,000

3 Beds

2 Baths

1,950 SqFt

Status Active

MLS # 6769026

Property Type Single Family Residence

Price Type --

Welcome to Legado, a premiere community at the heart of Queen Creek. Situated on a private, low maintenance backyard with no neighbors behind. The 3 bedrooms plus den make this pristine, single level home the PERFECT comfort haven. Graciously appointed with wood plank tile flooring, plantation shutters, smudge proof appliances, granite counters, backsplash & gas cooktop. Whole house water filtration, WiFi thermostat. 3 car garage with custom garage storage. A covered patio overlooks a grass backyard with paver seating area & fire pit. Legado features playgrounds, a lighted basketball court, lighted corn hole, splash pad, & more. Convenient to Mansel Carter Oasis Park, QC Marketplace & QC District featuring shopping, entertainment & a choice of 30+ restaurants. Welcome Home!

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7774 E Mariposa Drive Scottsdale, AZ 85251

$650,000

2 Beds

2 Baths

1,440 SqFt

Status Active

MLS # 6772159

Property Type Single Family Residence

Price Type --

Retire in Style in the Prestigious Community of Villa Monterey. The largest 55+ Community located in the Heart of Scottsdale. Enter through your periwinkle front door to a large great room with huge sliding glass door to view the outdoor garden and enjoy those cool Arizona evenings. Recently smoothed ceilings throughout this light and bright 2 bedroom 2 bath home. The kitchen has custom cabinetry, leathered granite counter tops opening to the dining room with beautiful chandelier. The master bedroom with plenty of space to unwind features a HUGE closet and large bath with vanity and a marble walk-in shower! The second bathrom has a vibe of its own! Attention to detail!! RETREAT to your huge covered patio on a Premium Corner Lot with custom iron gates. Enjoy your mature landscaping and - grass patch with a stunning garden as if you almost have a mini botanical garden in your own backyard! New Anderson double pane tinted windows keep the house cool. The laundry room has built in cabinetry for tons of storage space with private access to your backyard patio. Do you want it all?? Here it is!

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