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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5100 E Rancho Paloma Drive Unit 2059 Cave Creek, AZ 85331

$645,000

2 Beds

2 Baths

1,990 SqFt

Status Active

MLS # 6749719

Property Type Apartment

Price Type --

VIEWS, VIEWS, VIEWS! Discover the best location for this end-unit condo in a beautiful newer and spacious gated community in Cave Creek. This residence offers generous square footage, featuring 2 bedrooms +an open den, and bright, open floor plan freshly painted & move-in ready! Meticulously maintained, home showcases modern contemporary design with neutral finishes, quartz countertops, 42'' cabinets, and a lg kitchen island. Refrigerator, washer, and dryer are included. The Primary Bedroom offers breathtaking views & includes an updated walk-in shower in the Primary Bathroom. This condo is Energy Star certified, equipped with Energy Star appliances, Low-E windows, & impressive energy efficiency rating from 2018. Spectacular views from the 14' sliding door that opens to large balcon

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16812 N 59th Place Scottsdale, AZ 85254

$645,000

3 Beds

2 Baths

1,662 SqFt

Status Active

MLS # 6754179

Property Type Single Family Residence

Price Type --

You're going to love this North Scottsdale gem! This 3-bedroom, 2-bath home has so much to offer, starting with NO HOA! Recent updates like new vinyl-plank flooring, dual-flush toilets, and a modern epoxy garage floor make it move-in ready. The layout is super open with high ceilings and plenty of natural light. The kitchen, complete with stainless steel appliances and a big island, is perfect for meal prep or hanging out. The master suite is a dream, featuring a walk-in closet, dual sinks, and access to the backyard oasis. Speaking of the backyard, the sparkling pool and covered patio are calling your name! And when you're ready to explore, Kierland Commons and all the fun spots in 85254 are just minutes away. Don't miss out!

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32120 N 167th Avenue Surprise, AZ 85387

$645,000

4 Beds

2.5 Baths

2,433 SqFt

Status Active

MLS # 6754547

Property Type Single Family Residence

Price Type --

**TRANQUILITY IN THE DESERT** This home boasts 4 bedrooms, 2.5 baths and a split floorplan. A roomy master suite with a luxurious bathroom attached. Large walk-in shower with separate soaking bathtub. Features a spacious walk-in closet with walkout access to the back patio. The three additional bedrooms are generously sized, all with large walk-in closets. You will find an abundance of storage, with sizable linen and hall closets, a large laundry room, and a walk-in pantry. The kitchen, with its granite countertops, is perfect for entertaining, complete with a breakfast bar. A 2.5 car garage provides enough space for your vehicles. Big lot has plenty of room for storage of your toys or RV. Blank canvas out back is ready for your design! Enjoy HOA-free living with beautiful desert views!

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318 N Washington Street Chandler, AZ 85225

$645,000

4 Beds

2 Baths

1,675 SqFt

Status Active

MLS # 6759421

Property Type Single Family Residence

Price Type --

Walking Distance to Thriving Downtown Chandler In Silk Stocking Historic Neighborhood, Many opportunities for this Updated Duplex on a 7,449 Sqft Lot Across AZ Ave from Historic Chandler High School and Chandler Center of the Arts. Currently One Unit is MTM at $1950. The other is Ready For either Long Term Market Rents, Owner/User With Income. Both Units are 2 Bed 1 Bath/Tubs with Laundry, The back Unit has An Extra 450 sf Room with Its Own Outside Entry Door That Can Be Used for a Third Bedroom, Office Or Workshop with Air. Laminated Flooring in all living and Bedrooms with Tile in Kitchens and Baths. Security on All Doors and Keyless entry pads on Front Doors. All Facts and Figures are Approximate, Buyer to Verify to their own Satisfaction

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5277 N Tonopah Drive Eloy, AZ 85131

$645,000

2 Beds

2.5 Baths

2,268 SqFt

Status Active

MLS # 6759781

Property Type Single Family Residence

Price Type --

SOLAR! This beautiful Miramonte home is a must see! Two bedroom suites, a powder room and a den. Spacious kitchen with plenty of cabinet space and a walk-in pantry. Ceramic tile flooring throughout with carpet in the bedrooms. 2 car garage with a 4' extension and 8' garage door PLUS a full 3rd garage with lots of extra space for your workshop.

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2124 E Osborn Road Phoenix, AZ 85016

$645,000

3 Beds

2 Baths

2,084 SqFt

Status Active

MLS # 6761427

Property Type Single Family Residence

Price Type --

Fantastic opportunity in the sought-after Loma Linda neighborhood! This 3-bed, 2-bath, 2,084 sq ft home offers a refreshing pool with a tranquil waterfall, perfect for relaxation or entertaining. A 2005 addition expanded the living space with a generous family room, an extra room with a private entrance ideal as a 4th bedroom or office, and an enlarged primary suite featuring a walk-in shower. The kitchen and bathrooms were beautifully remodeled in 2019 including cabinets with soft close doors & pull-out shelves. new windows installed in 2012, pool updated in 2023. North-south exposure, RV gate access, and no HOA make this a rare find! Don't miss out!

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9060 E Captain Dreyfus Avenue Scottsdale, AZ 85260

$645,000

3 Beds

2 Baths

1,440 SqFt

Status Active

MLS # 6761855

Property Type Single Family Residence

Price Type --

Welcome to this beautifully updated 3-bedroom, 2-bathroom home, complete with a 2-car garage featuring a new garage door installed just a year ago. As you step inside, you'll be greeted by soaring vaulted ceilings and a spacious great room, highlighted by a cozy wood-burning fireplace with an elegant stone mantel that extends to the ceiling. The new vinyl flooring adds a modern touch throughout. The updated kitchen boasts Quartz countertops, brand-new stainless steel appliances, recessed lighting, and self-closing drawers for added convenience. The primary suite offers a serene retreat with high ceilings, a sliding door to the backyard, and an ensuite bathroom featuring a dual-sink vanity, a tiled shower, and a walk-in closet. Bedrooms 2 and 3 feature ceiling fans, new vinyl flooring, and closet space. The second bathroom has been tastefully updated with a tiled shower, new vanity, and toilet. Outside, the backyard offers a covered patio, a grass area, and a second patio with an above-ground jacuzzi just off the primary suite. Additional highlights include a 5-year-old roof and a backyard drip system. Don't miss out on this stunning, move-in-ready home! This home has a fantastic North Scottsdale location! You'll enjoy a vibrant mix of outdoor recreation and upscale amenities. Just minutes away, explore hiking and biking trails in the McDowell Mountain Preserve or golf at renowned courses like TPC Scottsdale. The area also offers top-notch shopping at Kierland Commons and Scottsdale Quarter, as well as dining at a variety of high-end restaurants. With easy access to cultural hotspots like Old Town Scottsdale and the Taliesin West architecture tour, there's always something to experience nearby.

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14667 N Love Court Fountain Hills, AZ 85268

$645,000

2 Beds

2 Baths

1,307 SqFt

Status Active

MLS # 6762853

Property Type Single Family Residence

Price Type --

Price Improved $26,000 - Wow! $100,000 plus of on trend updates since last owner. Don't let this house built in the 80s fool you. Located in quiet cul-de-sac lot with no homes behind you. This Single level great room floor plan with 2 split primary bedrooms with a bonus flex space, 2 well appointed remodeled bathrooms, 2 car garage with 32' lap/diving pool with outside shower, and newer Hollywood hedges and pool deck. Updates include LVP flooring through out, New kitchen, built in desk and beverage bar with quartz countertops, Murphy secret walk in closet, stack rock fireplace, A/C is under warranty with Parker and Sons completely updated roof just to name a few. Interior/Exterior has been painted in a neutral color palette, creating a warm and inviting atmosphere. The primary bedroom has chevron feature wall with a spacious walk-in closet with room for fitness equipment and provides direct access to the patio area, perfect for enjoying your morning coffee and evening cocktails. Updated primary bathroom offers a spa like Zen experience which includes new vanity and makeup vanity dressing area. Spa like shower with large rain head shower, lighted shower shelving/cubbies, and faux succulent cactus wall with low maintenance tile. Completely remodeled kitchen with new cabinets, Island on wheels that gives flexibility in position, with new stainless appliance package. Pantry with pull outs, pull out garbage, large one basin sink and island that is on wheels, that can be turned. Trash is a pull out cabinet, and sink looks out to pool. There is a beautiful backsplash with quartz counters and new hardware on all the cabinets. Step into your flex space with built in desk with quartz counter and walk up beverage bar. Endless possibilities for this flex space for more dining, office, work out, or more entertaining or work from home situation. Laundry is conveniently located near the primary bedroom with folding bar and shelving to organize household items. Guest room is split from primary bedroom and has a well appointed remodeled bathroom with title and lighting, and privacy for owners. All in the beautiful community of Fountain Hills near shopping restaurants, and the Fountain.

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8720 E Rancho Vista Drive Scottsdale, AZ 85251

$645,000

3 Beds

2 Baths

1,383 SqFt

Status Active Under Contract

MLS # 6764821

Property Type Single Family Residence

Price Type --

LOCATION, LOCATION, LOCATION!!!! Meticulously maintained Old Town Scottsdale home with NEW AC UNIT (2024). Full remodel completed in 2013 included new roof, new windows, full rewire of electrical, tile flooring, all new sheetrock, kitchen and bathrooms fully remodeled. Driveway and concrete on back patio replaced in 2018. This is a gem of a home to fully experience Old Town Scottsdale living.

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3774 E Shannon Street Gilbert, AZ 85295

$645,000

4 Beds

2 Baths

2,011 SqFt

Status Active Under Contract

MLS # 6767226

Property Type Single Family Residence

Price Type --

3774 E SHANNON ST, Gilbert, AZ 85295 - beautiful interior corner lot with extensive upgrades over past 5 years, new quartz countertops, new windows, wall to wall laminate flooring, gas range, RO system, Trane AC unit, garage split AC unit for exercise room/man cave, amazing oversized master tiled shower, new ceiling fans, window coverings and lighting throughout, surround sound, Owned solar - save $ on electric bill, new waterfall feature at heated pebble tec play pool and new pavers front and back. You can not replicate this home for the purchase price!

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2618 N 68th Place Scottsdale, AZ 85257

$645,000

3 Beds

2 Baths

1,667 SqFt

Status Active

MLS # 6770473

Property Type Single Family Residence

Price Type --

Welcome to this charming and updated 3-bedroom, 2-bathroom home located in the desirable Inmar Terrace community in South Scottsdale. Updates include: New Kitchen and Bathroom cabinets/countertops. New kitchen appliances. New showers. New tile flooring through out, no carpet! New paint inside and outside and a remodeled backyard. With just under 1,700 square feet of living space, this home is perfect for a small family looking for both comfort and convenience. The spacious floor plan includes a bright living area, a modern kitchen, and well-sized bedrooms, making it an ideal space for both everyday living and entertaining. The property features a large carport, providing extra parking for your vehicles or guests. Located close to some of Scottsdale's best entertainment, shopping, and dining options, this home offers a perfect blend of suburban peace and urban accessibility

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26904 N 24th Lane Phoenix, AZ 85085

$645,000

4 Beds

2 Baths

2,304 SqFt

Status Active Under Contract

MLS # 6771682

Property Type Single Family Residence

Price Type --

Discover this beautifully updated 4 bedroom, Den, 2 bath home, and make it yours! The paved entry courtyard is private yet welcoming. From the entry, step inside to a spacious living area with vaulted ceiling, electric fireplace and custom media wall (2023). The living area flows into the eat-in kitchen which includes granite countertops, painted cabinets, new light fixtures, stainless steel appliances, a pantry, and an island with a breakfast bar. The main bedroom is roomy and bright and offers an ensuite bathroom with double sinks, tub/shower combo and a walk-in closet with built-in organizers (2024). In your backyard, enjoy the covered patio with new ceiling fans (2024), a lush backyard lawn, a sparkling pebbletec pool (2022), new exterior lights (2024) and a tool shed, (more) for added storage. Additional features include wood laminate flooring throughout, new interior paint (2024), hardwired security system, new exterior paint (2024), and a new A/C unit (2017). There is plenty of storage in the 3-car garage, a spacious RV gate featuring new slats on both the North and South side gates (2024) and additional RV parking (complete with pavers installed in 2023) on the North side. This home is filled with recent upgrades and offers a perfect blend of style and comfort. All of this while conveniently located close to the TSMC campus, shopping, schools, restaurants and 3 different freeways. Come and check it out!

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