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

26403 S 231st Way Queen Creek, AZ 85142

Open House

$643,698

4 Beds

2.5 Baths

2,918 SqFt

Status Active

MLS # 6673328

Property Type Single Family Residence

Price Type --

This is a brand new Quick Start Home under construction in Queen Creek, with a Spanish elevation. 4 bed, 2.5 bath, plus flex room and den. Stainless Steel Gourmet Whirlpool kitchen appliances include 36'' gas cooktop, stainless chimney hood, built-in microwave and oven, and dishwasher. White 42'' cabinets with quartz countertop and tile backsplash at the kitchen, along with upgraded wood-look tile and carpet. 12 ft center slide at great room. Move in anticipated for Sept/Oct. Please ask about our special financing incentives!

View Property

22427 E Oriole Way Queen Creek, AZ 85142

$643,645

3 Beds

2.5 Baths

1,951 SqFt

Status Active

MLS # 6767276

Property Type Single Family Residence

Price Type --

BEAUTIFUL GREAT ROOM HOME THAT IS READY TO MOVE IN! FULLY LANDSCAPED FRONT AND BACK, WITH ARTIFICIAL TURF AND PERGOLA IN THE BACKYARD. 3 BEDROOM , 2.5 BATH, 3 CAR GARAGE. BEAUTIFUL BRIGHT FINISHES, PLANK TILE FLOORING EVERYWHERE EXCEPT BEDROOMS, GRANITE TOPS, TILE BACKSPLASH, SPA SHOWER IN MAIN BATH, INCLUDES WINDOW COVERINGS , CEILING FANS,, GAS TANKLESS WATER HEATER ENERGY STAR RATED,, ETC.! . ALL THIS IN THE NEW PREMIER MASTER PLAN COMMUNITY, LOCATED IN QUEEN CREEK. FEATURING A 22 ACRE LAKE, THAT IS THE CENTERPIECE OF THE COMMUNITY. KAYAKING, CANOEING, AQUATIC CENTER WITH LAP AND SPORT POOL, SPLASH PAD, BOCCE BALL, PICKLE BALL. BOARDWALKS AND RAMADAS AROUND THE LAKE AND MUCH MORE...KATHERINE MECHAM BARNEY SCHOOL IN THE COMMUNITY.

View Property

35783 N Geode Way San Tan Valley, AZ 85144

$643,000

4 Beds

3.5 Baths

2,900 SqFt

Status Active

MLS # 6763773

Property Type Single Family Residence

Price Type --

This stunning Toll Brothers home has all of the upgrades you could want with no wait time for building! Complete with custom light fixtures, fans, window coverings, and a fully landscaped yard saving you time and money. Premium oversized lot with only 2 neighbors! Low maintenance LVP flooring has been installed throughout the house. The kitchen is fit for a chef, with a gas stovetop, luxurious quartz countertops, and white kitchen cabinets. Second family room/game room and separate guest suite with a private bath. You'll love the extended 4-car tandem garage! Community amenities include a dog park, playground, walking trails, grass parks, pickleball courts & basketball court.

View Property

8026 E Quartet Avenue Mesa, AZ 85212

$642,999

3 Beds

2 Baths

2,166 SqFt

Status Active

MLS # 6636868

Property Type Single Family Residence

Price Type --

MLS#6636868 Ready Now! The Windsor at Hawes Crossing. This residence comprises 3 bedrooms, 2 bathrooms, a 3-car tandem garage, and a versatile study. An inviting porch welcomes you into the entry, where a study on one side and secondary bedrooms with a full bath on the other provide a balanced layout. Progressing beyond the study, you enter the expansive kitchen, dining, and great room area. The open-concept living ensures seamless integration of cooking, dining, and relaxation, allowing you to enjoy family time or catch up on your favorite shows. The kitchen is a culinary haven with a gas cooktop, double oven, 42 upper kitchen cabinets adorned with maple cabinets, and quartz counters. A hallway off the kitchen leads to the primary suite, showcasing an upgraded super shower and ample closet space. Your dream home awaits! Structural options added include: Gourmet kitchen, garage service door, paver front porch, super shower at owner's bath, soft water loop, and gas line for future outdoor kitchen.

View Property

17134 W Hackamore Drive Surprise, AZ 85387

$642,456

4 Beds

3 Baths

2,660 SqFt

Status Active

MLS # 6776830

Property Type Single Family Residence

Price Type --

MLS#6776830 February Completion! Experience true multigenerational living with the Zion plan at Asante! Step through the welcoming porch into the foyer. To one side, discover a private multi gen suite featuring a bedroom, a dedicated living area, bathroom, a one-car garage, and a separate entry from the outside as well as into the main home. In the main home, you'll find a formal dining area, a powder room, a laundry room, and entry to your two-car garage. At the heart of the home, a spacious great room seamlessly connects to a kitchen with an island, casual dining space, and covered outdoor living area. Tucked away in the back, the primary suite offers a spa-inspired bathroom and a large walk-in closet—your perfect retreat. Structural options include: paver front porch, garage service door, exterior door at primary suite, interior door at mulit-gen living, super shower in primary and pre plumb for laundry sink.

View Property

21048 E Arroyo Verde Drive Queen Creek, AZ 85142

$642,031

4 Beds

3 Baths

2,198 SqFt

Status Active

MLS # 6766872

Property Type Single Family Residence

Price Type --

Don't Miss Out on this CLOSE OUT & FINAL OPPORTUNITY for this beautiful inventory home located in desirable Hastings Farms. Plus Builder/Lender Financing Incentive Available when financing with builder's preferred lender(s) of up to $25K towards closing costs or interest rate buydown. Located close to Queen Creek Marketplace Shopping, Dining & Entertainment, this Community has Parks, Soccer Field, Basketball Courts, & 8-Mile Walking Trail. This Beautiful Cul-De-Sac home backs to 8-Mile Walking Trail with no homes behind! Beautiful upgrades include Smoke cabinets, Gourmet Stainless Gas Cooktop, Double Wall Ovens w/Microwave, Quartz Kitchen Countertop, Tiled Kitchen Backsplash, Plank Tile Flooring, & Window Blinds. Final Chance to Own Backing to the Trail! Don't Wait, See This Home Today.

View Property

549 W Sweet Shrub Avenue Queen Creek, AZ 85140

$642,000

5 Beds

3 Baths

3,317 SqFt

Status Active

MLS # 6741014

Property Type Single Family Residence

Price Type --

This large, beautiful 5 bedroom, 3 bathroom Fulton home located in Ironwood Crossing features an extended 306 square foot balcony with private master access and mountain views, view fencing to the greenbelt, no neighbors behind, a SUPER-SIZED 4.5 car garage, SOLAR PANELS that will be PAID IN FULL by sellers at closing, artificial turf, LIME & RUBY GRAPEFRUIT trees, above ground pool (sellers will remove if buyers so desire)! Interior has new carpet and paint, wood tile flooring, Havana tile stairs with iron scroll railing, 2'' faux wood blinds, dual pane low-e windows, paneled doors and closets, ceilings fans and lots of storage space throughout! Surround sound speakers installed in family room.Spacious gourmet kitchen has a large island, granite counter tops, extended maple cabinets with 3 crown molding, recessed lighting, under mount stainless steel sink, and stainless steel appliances, and new convection stove top. There is a GAS STUB at the cook top! Master bedroom has views of the lush greenbelt overlooking the backyard, private sliding door to the balcony, a HUGE closet AND bathroom with an extra long counter, double sinks, and a Graniterra garden tub/separate shower. The spacious loft is central to the upper level living area and is a flex space for office, entertainment, whatever suits you! The 5th bedroom is located downstairs and has access to the all bathroom just one door down. Brand new water heater! Solar is owned and will be paid in full at closing. Soft water loop already installed. 210 breaker box professionally installed just for pool! Gas available at cooktop, dryer, and BBQ! Home is turnkey ready with all appliances conveying, including washer/dryer/fridge! Platinum Plan warranty will be provided by sellers through Select Home Warranty. Sellers can paint accent walls and kitchen to match rest of house if buyers desire. They will work with you! The aquatics center with a heated community pool and splash pad is nearby, as is Legacy Traditional Charter School. One of many playgrounds is just a few houses down the street. There are walking paths, parks with ramada covered picnic areas and gas grill throughout the community, basketball courts, and a soccer field!

View Property

20254 W Hollyhock Street Buckeye, AZ 85396

$641,995

3 Beds

2.5 Baths

2,390 SqFt

Status Active

MLS # 6718219

Property Type Single Family Residence

Price Type --

Welcome Home to the Estates at Arroyo Seco, our newest Buckeye Community. This Deacon floorplan includes an attached RV garage, plus a tandem two car garage, a 220 V 50AMP, pre-plumb for utility sink, soft water loop, garage service door and an RV cleanout. Inside a well-appointed gourmet kitchen with 42'' upper white cabinets, brushed nickel cabinet pulls, quartz countertops, tile backsplash and GE Plus Stainless-steel appliances with a chimney hood and 36'' gas cooktop, also includes a walk-in pantry and is flanked by a great room and a dining room with center meet sliding doors leading out to a covered patio. You'll also appreciate the versatile flex-room, two secondary bedrooms with shared access to a full bath with dual vanities, and a primary suite with a private bathroom featuring a deluxe tiled shower with rain shower, dual vanities and ample walk-in closet space. A mudroom and walk-in laundry room round out the interior of the home. This home also includes two-tone paint, 9 x 35 tile flooring throughout and carpet in the bedrooms only. Ceiling fan prewires at all bedrooms, great room, flex room and covered patio; a gas stub at the patio; pre-plumb for a sink at the laundry room; pendant lighting at the kitchen island; exterior coach lights; paver driveway and walkway and front yard landscaping complete the home. This home is situated on an 8760 square foot South facing lot with a double side gate.

View Property

234 E Avenida Sierra Madre -- Gilbert, AZ 85296

$641,000

3 Beds

2 Baths

1,915 SqFt

Status Active

MLS # 6706250

Property Type Single Family Residence

Price Type --

Welcome to this charming Downtown Gilbert abode, a spacious sanctuary boasting 3 bedrooms and 2 baths. RV gate and NO HOA! Step inside to discover a modern haven where every detail exudes elegance. The heart of the home is the updated kitchen, featuring sleek countertops, stainless steel appliances, and an oversized island perfect for culinary creations and casual dining. Natural light pours in through large windows, illuminating the open-concept living and dining areas, creating an inviting atmosphere for gatherings. Retreat to the tranquil master suite, complete with a luxurious ensuite bath and ample closet space. Outside, paradise awaits in the expansive backyard oasis. Dive into the sparkling pool on hot summer days or unwind on the large patio, ideal for al fresco dining and entertaining under the Arizona sky. Located in the vibrant Downtown Gilbert area, this home offers the perfect blend of comfort and convenience, with trendy shops, eateries, and entertainment options just moments away. Embrace the epitome of suburban luxury in this impeccable residence.

View Property

24173 N 160th Avenue Surprise, AZ 85387

$640,484

5 Beds

4.5 Baths

3,444 SqFt

Status Active

MLS # 6765432

Property Type Single Family Residence

Price Type --

MOVE IN READY, BRIGHT GREAT ROOM PLAN , QUICK CLOSE!! 5 BEDROOM PLUS LOFT, 4.5 BATH , 3 CAR GARAGE 9'CEILINGS, GOURMET KITCHEN LAYOUT, UPGRADE CABINETS , QUARTEZ KITCHEN TOPS, SPA SHOWER IN MASTER BATH, LUXURY VINYL FLOORING. 2'WHITE BLINDS, CEILING FANS, FRONT YARD LANSCAPING COMPLETED, ENERGY STAR QUALIFIED HOME, INDOOR AIR PLUS. A SHORT DISTANCE FROM THE COMMUNITY POOL AREA, PICNIC AREA, TOT LOTS, BASKETBALL, PICKLE BALL COURTSAND SO MUCH MORE

View Property

17126 W Hackamore Drive Surprise, AZ 85387

$640,244

4 Beds

3 Baths

2,665 SqFt

Status Active

MLS # 6776842

Property Type Single Family Residence

Price Type --

MLS#6776842 March Completion! Welcome to the Everglade at Asante Passage! Enter through the porch into a warm and inviting foyer. To one side, you'll find two bedrooms sharing a bathroom, while across the way lies a laundry room, an additional bedroom with its own bathroom, and access to the two-car garage. Move deeper into the home to uncover gorgeous open-concept living, where the great room seamlessly connects to a casual dining area, a kitchen with an island, and a covered outdoor space—perfect for entertaining. The private primary suite offers a serene retreat, complete with a spa-inspired bathroom and a spacious walk-in closet. Structural options include: paver front porch, 12'x8' sliding glass door, garage service door & study in lieu of bed 2.

View Property

895 S Accuracy Way Tonto Basin, AZ 85553

$640,000

2 Beds

2 Baths

3,000 SqFt

Status Active

MLS # 6769352

Property Type Single Family Residence

Price Type --

This stunning custom home is a dream come true. The kitchen features two walk-in pantries and a modern-style island with bar stools. The master bedroom has a large walk-in closet, and there's a very spacious laundry room with extra storage cabinets. You'll love the cozy fireplace. The property also includes a 4-plus car garage with a built-in bar and AC. Additionally, the entire property is completely fenced and offers amazing mountain views!

View Property