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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4644 S Pluto -- Mesa, AZ 85212

$647,000

4 Beds

2.5 Baths

2,503 SqFt

Status Active Under Contract

MLS # 6654519

Property Type Single Family Residence

Price Type --

This Highly Upgraded home was built in 2021 & ready to move in now! Gently used, feels brand new!, Home offers spacious 3 bedrooms plus Office. Impressive 4 Panel Double Sliding Wall of Glass, Plank tile throughout home, Double Built In Wall Ovens, 36'' Gas Cooktop, Upgraded 8' Interior Doors, Upgraded Smooth Interior Wall Texture, Color Temp Switchable LED can lighting have replaced std recessed lighting. Newer Turf Grass. Irrigation lines in for trees in back for Privacy & Shade Family & guests will appreciate the upgraded Granite Tops & Sinks in secondary bathroom. The backyard has gorgeous, low maintenance turf, two separate sprinkler lines have been run around the perimeter for future additions.

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27227 N 147th Avenue Surprise, AZ 85387

$647,000

4 Beds

3 Baths

2,000 SqFt

Status Active

MLS # 6707494

Property Type Single Family Residence

Price Type --

REDUCED-SEND OFFERS -MOVE IN READY NEW 2024 BUILD Surrounded by $1,000,000 Homes this 4bd/3bth with Double Kitchen and CASITA. Seller Concessions available!! Boasting ADDED VALUE with a small 500 sq. ft. IN LAWS private entrance Casita ATTACHED to the 1500 sq. ft. home - Supplement AirBNB rental income or IN-Laws Quarters with small Double Masters makes this a very affordable 2000 SQ FT home. Beautiful Mountain Views, Quad trails to Lake Pleasant. Fenced and groomed property. Split Floorplan perfect for the growing family. Additional Plans available for a workshop and added detached two car garage to make 4 car Garage. This is a very unique property designed with value added, nestled around high value mountainside homes. No HOA, Truly one of a kind and a Must See

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25985 W Tonopah Drive Buckeye, AZ 85396

$647,000

5 Beds

4 Baths

4,067 SqFt

Status Active

MLS # 6755613

Property Type Single Family Residence

Price Type --

THIS IS A MUST SEE! Welcome to this stunning, massive home located in the desirable Festival Foothills community! Boasting over 4,000 sq. ft., this spacious property features 5 bedrooms and 4 full bathrooms, including 2 luxurious master suites and a convenient downstairs bedroom and full bath—perfect for guests or multi-generational living. ALL 5 BEDROOMS HAVE WALK IN CLOSETS. The large, entertainer's kitchen is ideal for hosting, with ample space and two pantries, including a walk-in. Enjoy a variety of living spaces with a formal sitting room, living room, and an upstairs loft, offering plenty of room for relaxation or activities. Home has assumable VA loan at 3.65%! Step outside to your own private oasis, complete with a beautiful pool and spa, highlighted by a rock waterfall slide. The home also features owned solar panelsno payments requiredadding incredible energy efficiency! Also includes new hot water heater and water softener system. With no carpet downstairs, ample functional storage throughout, and a 3-car garage, this home is both elegant and practical. Don't miss out on this extraordinary home, it won't last long!

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11049 E Quartet Avenue Mesa, AZ 85212

$647,000

4 Beds

3 Baths

2,280 SqFt

Status Active Under Contract

MLS # 6766763

Property Type Single Family Residence

Price Type --

This stunning 4-bedroom, 3-bathroom corner lot home sits on a sprawling 13,542 sqft lot, offering both luxury and space! With 2,280 sqft of living area, this home features a family room, great room, and an Arizona room, all with tall ceilings, tile flooring, and soft carpet, and large windows that flood the space with natural light. The split primary bedroom includes a full bathroom and a walk-in closet. The kitchen features granite countertops, a large island, a pantry, and beautiful wood cabinets, along with both formal and eat-in dining areas. Outside, enjoy a screened-in patio, a covered patio with a built-in BBQ, and a private heated pool and spa, all set in a professionally landscaped yard with turf and gravel stones. Additional features include a 3-car garage and an RV gate!

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21747 E Roundup Way Queen Creek, AZ 85142

$646,995

3 Beds

3 Baths

2,630 SqFt

Status Active

MLS # 6674425

Property Type Single Family Residence

Price Type --

Enjoy this beautiful Pomona Opportunity with Guest Suite! This true split floorplan provides space to spread out! Your guests will find the spacious Kitchen/Dining /Great Room area quite comfortable for making memories for years to come. Included features: Timeless Stone Creek Collection Interior Design with cool tones. Upgraded Shaker Cabinets, Quart Kitchen Counters, 6X35 Tile flooring, Carpet in Bedrooms. Matte Black Hardware. Insulated 3 Car Garage with 8' Garage Doors, Gas stub at patio, Gas Range at Kitchen, Gas Dryer Hook up, Paver driveway and courtyard and Tankless water heater included!! Elevate your lifestyle today with the Amazing Pomona Floorplan!

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21673 E Roundup Way Queen Creek, AZ 85142

$646,995

3 Beds

2.5 Baths

2,390 SqFt

Status Active

MLS # 6702202

Property Type Single Family Residence

Price Type --

Welcome to Light Sky Ranch and the Pinecrest plan! This 2390 square foot home epitomizes modern luxury and comfort, boasting a well-appointed design that caters to both relaxation and functionality. With three bedrooms, two and a half baths, and a dedicated study, there's ample space for both privacy and gathering. The gourmet kitchen stands as the focal point, featuring quartz counters, upgraded shaker cabinets, and a spacious center island ideal for culinary endeavors or casual meals. The master suite is a tranquil oasis, offering dual closets and a spa-inspired shower for indulgent relaxation. Enhanced by 10-foot ceilings and a multi-slide door, the home is flooded with natural light. Outside, a single-car garage and a 2-car garage offer ample storage for vehicles, outdoor gear, and more. With amenities such as a tankless water heater for efficiency and a charming paver driveway, this home seamlessly blends convenience with sophistication.

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21664 E Roundup Way Queen Creek, AZ 85142

$646,995

3 Beds

2.5 Baths

2,390 SqFt

Status Active

MLS # 6721119

Property Type Single Family Residence

Price Type --

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21680 E Roundup Way Queen Creek, AZ 85142

$646,995

3 Beds

2.5 Baths

2,390 SqFt

Status Active

MLS # 6721113

Property Type Single Family Residence

Price Type --

This Pinecrest plan is on a generous sized lot with a South facing front and borders a community greenbelt in central Queen Creek. The smart floorplan is a 3 bedroom, 2.5 bath, 3 car garage. Interior finishes include 10' ceilings, Gourmet Kitchen appliances with a gas cooktop and a 36'' vent hood, beautifully designed separate tub and large shower with His and Hers closets in the Primary Bathroom, expansive multi-slide glass door system from the Great Room to the covered patio, and much more! Awesome location close to Queen Creek Marketplace, a brand new Costco and Fry's, and all that Queen Creek has to offer.

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4703 N 206th Drive Buckeye, AZ 85396

$646,900

2 Beds

2.5 Baths

2,297 SqFt

Status Active

MLS # 6722802

Property Type Single Family Residence

Price Type --

Introducing this highly desirable Lennar NextGen home, which is ONLY available as a resale in the sought-after Victory at Verrado community. Boasting 2 bedrooms, den, 2.5 bathrooms, 2 great rooms, courtyard, covered rear patio with extended pergola, and two add'l rear patio areas. This open-concept home is perfect for those who love to entertain. The gourmet kitchen is equipped with a gas range, hood, and a spacious island, flowing seamlessly into the eat-in breakfast nook. The NextGen suite has a separate entrance and features a full bathroom, bedroom, living room, and kitchen, providing a private retreat for you or your guests. Plantation shutters add a touch of elegance and privacy to this beautiful home.

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15683 W Mercer Lane Surprise, AZ 85379

$646,694

5 Beds

4 Baths

3,475 SqFt

Status Active

MLS # 6760310

Property Type Single Family Residence

Price Type --

BRAND NEW COMMUNITY. LOCATION LOCATION LOCATION. This one is located East of the 303 and has great accessibility to shopping and freeways. This home is a wonderful 5 BR, 4 bath home with a loft and formal dining and a 3-car garage. Beautiful gourmet kitchen has a large island that opens up to the great room. Upgraded Painted Linen cabinets, quartz counters with a custom backsplash and gourmet appliances. This home has the sought after bottom floor bedroom and full bath as a guest suite. Upstairs you will love the large loft, large secondary rooms with walk in closets and the Owner's suite! Owner's suite has separate tub and shower, two walk in closets and separate vanities! THIS HOME WILL BE COMPLETED IN NOVEMBER. PHOTOS ARE OF A MODEL OF THE SAME PLAN COME SEE THIS ONE

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7326 W Villa Hermosa -- Glendale, AZ 85310

$645,900

3 Beds

2 Baths

2,057 SqFt

Status Active

MLS # 6766305

Property Type Single Family Residence

Price Type --

Welcome to this beautiful 3 bedroom, 2 bathroom home, perfectly located in a cul-de-sac in North Glendale. This home boasts vaulted ceilings, creating an open and airy feel, and a spacious floor plan ideal for comfortable living. With a 3-car garage and an RV gate, there's plenty of room for parking and storage. The backyard is an oasis, featuring a sparkling pool and plenty of space for outdoor entertaining and relaxation. Whether you're hosting summer gatherings or enjoying a quiet evening by the pool, this backyard offers endless possibilities. Conveniently located near shopping, dining, entertainment, and with easy access to the freeway, this home provides both tranquility and convenience. *BONUS Pre-paid Tesla Solar Lease*

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28210 N Crook Court Rio Verde, AZ 85263

$645,000

2 Beds

2 Baths

1,543 SqFt

Status Active

MLS # 6618358

Property Type Single Family Residence

Price Type --

This delightful Desert Retreat entices from arrival with the oversized cul-de-sac homesite. The thoughtfully designed one-level contemporary floor plan emits an abundance of glass that bathes the space in natural light while seamlessly blending indoor and outdoor living. The resort-like back yard is a private oasis, featuring a sleek linear pool, contemporary stacked stone water features and a harmonious mix of desert landscape, artificial turf and citrus trees. The heart-of-the-home is a designer kitchen combining style with functionality. A spacious island with bar seating invites both casual meals and lively gatherings, while the oversized walk-in pantry ensures ample storage space. The attention to detail is evident in every corner enhancing the overall aesthetic. The private primary suite is a sanctuary of comfort, boasting sitting space and a graciously proportioned spa-like bath with generous walk-in closet. The well-appointed guest bedroom and bath are thoughtfully separated from the primary suite, providing privacy and convenience for both residents and visitors. Beyond the allure of the home itself, the Trilogy Verde River Golf and Social Club adds another layer of luxury to the lifestyle. Enjoy breathtaking views of the adjacent Tonto National Forest with panoramic vistas of the Mazatzal Mountains and the iconic Four Peaks. Whether indulging in golf, tennis, pickleball, or unwinding at the spa and fitness center, this community offers a diverse range of amenities. Dining and events further enrich the social fabric, making every day an opportunity to experience the best in contemporary living. Welcome to a home where modern elegance meets Arizona's stunning natural beauty.

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