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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810 W Allen Street Phoenix, AZ 85041

$639,900

4 Beds

2.5 Baths

2,885 SqFt

Status Active

MLS # 6768782

Property Type Single Family Residence

Price Type --

You'll fall in love with this immaculately maintained South Mtn area home. Embracing an open floor plan, the home boasts upgrades including 2 NEW HVAC units (5/24), walk-in closets for master and single bedroom, plantation shutters, granite countertops, etc. (see documents tab for full list). Convenient downstairs master suite enjoys a separate exit to putting green. The spacious Loft overlooking the family room accesses an oversized VIEW deck. Two of the three upstairs bedrooms have hard-surface LVP w/newer carpet in the third bedroom, all w/C-fans & plantation shutters. Many family memories will be made in your Backyard Oasis with a removable fence at your Pebbletec pool w/waterfall & baja shelf. You'll love the adjustable cover at the Pergola extended covered patio

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1785 S Nebraska Street Chandler, AZ 85286

$639,900

3 Beds

2 Baths

1,847 SqFt

Status Active

MLS # 6773414

Property Type Single Family Residence

Price Type --

Experience luxury living in this stunningly remodeled home, nestled on a generous quarter-acre corner lot. The heart of the home is a chef's dream kitchen, boasting gleaming stainless steel appliances, crisp white cabinetry, an expansive island, and chic granite countertops complemented by a stylish tile backsplash. Relax in the opulence of the fully updated master suite featuring a garden tub, a walk-in shower, and dual sinks. With a versatile bonus room, your options are endless. Transform it into a home office, game room, or formal living space.. Neutral two-tone paint and elegant plantation shutters adorning the windows, create a serene backdrop throughout the home. Parking for up to 6 vehicles in the attached 3-car garage and driveway.

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9237 E Sector Drive Mesa, AZ 85212

$639,900

4 Beds

3 Baths

2,224 SqFt

Status Active

MLS # 6774308

Property Type Single Family Residence

Price Type --

FORMER MODEL HOME! Ready for Quick Move-In. 4 BR + Loft / 3 BA. The home features a gourmet kitchen with white cabinets, black pulls throughout, quartz counter tops in the kitchen and a 'Mosaic Ripple' 2x8 brickwork stacked backsplash. This home features upgraded wood tile flooring throughout the downstairs and carpet flooring in the bedrooms. This home comes included with a Tankless Water Heater, REME Halo Whole House Air Purifying System and a Apple Pod Smart Home Kit.

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19528 N 55th Drive Glendale, AZ 85308

$639,900

5 Beds

3 Baths

2,397 SqFt

Status Active Under Contract

MLS # 6702911

Property Type Single Family Residence

Price Type --

This Home Won ''Best Home On Tour'' in the Glendale Home Tour! You'll LOVE this impressive 5 Bedroom remodel with NO HOA and upgrades around every corner. Gorgeous hickory wood floors. The kitchen has custom cabinets and granite counter tops accented by sleek stainless steel appliances. There's an island w/ seating & pendant lights! The primary bedroom is spacious w/gorgeous views of the green backyard. The primary bath has a garden tub & a glass walled shower.. You won't be disappointed out back either. The oversized backyard offers lush green grass, perimeter trees for shade, a covered patio, a flagstone sun patio, & a gas fire pit. Don't miss the built in barbeque plumbed w/ Natural gas. There's a 3 car garage, an RV Gate with concrete pad and NO HOA. Roof was replaced in 2022

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22908 N Las Vegas Drive Sun City West, AZ 85375

$639,900

3 Beds

2 Baths

2,145 SqFt

Status Active Under Contract

MLS # 6739579

Property Type Single Family Residence

Price Type --

REDUCED!! Welcome to this exceptional Lakeside model featuring three bedrooms and a spacious 2.5-car garage. Ideal for owners with full-size trucks, this home boasts stacked stone accents trimming the front, along with a pergola and a covered back patio. Numerous updates throughout provide modern convenience. Additional amenities include an extra refrigerator in the garage and an owned solar system. Positioned along the 5th hole of the Desert Trails golf course, this residence is nestled within Sun City West, renowned for its nine golf courses, four recreation centers, and numerous pickleball courts.

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10653 N 11th Street Phoenix, AZ 85020

$639,900

3 Beds

2.5 Baths

1,602 SqFt

Status Active Under Contract

MLS # 6756687

Property Type Single Family Residence

Price Type --

Welcome to your dream home! This beautifully remodeled residence in the coveted Pointe Tapatio community offers a perfect blend of elegance and modern comfort. With 3 spacious bedrooms and 2.5 bathrooms spread across 1,602 square feet, this home is designed for both relaxation and entertaining with an oversized lot. As you step inside, you'll be captivated by the high-end finishes and meticulous attention to detail throughout. The stunning kitchen is a chef's delight, featuring top-of-the-line appliances, custom cabinetry, and a sleek, contemporary design that seamlessly combines form and function. The open-concept living and dining areas flow effortlessly, creating an inviting space for gatherings. Retreat to your master suite, where you'll find a luxurious walk-in shower and sophisticated finishes that enhance the serene atmosphere. The large lot provides ample outdoor space, including a sparkling pool that's perfect for cooling off on warm days or hosting summer soirées. Enjoy peaceful mornings and vibrant evenings in your private backyard oasis. Located in the desirable Pointe Tapatio neighborhood, you'll enjoy easy access to local amenities, parks, and top-rated schools. This residence is more than just a houseit's a lifestyle.

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22353 N 99th Lane Peoria, AZ 85383

Open House

$639,900

3 Beds

2 Baths

1,898 SqFt

Status Active

MLS # 6728823

Property Type Single Family Residence

Price Type --

This METICULOUSLY CARED FOR and IMMACULATELY KEPT home with GREAT ROOM floor plan will PROVIDE a SPECIAL PLACE for COMFORT and DAILY LIVING but ALSO a PLACE for ENJOYMENT and ENTERTAINMENT*You have YOUR OWN PRIVATE POOL with GREENBELT VIEWS rather than back yard neighbors, as well as the DESIRABLE MEADOWS' COMMUNITY PICKLE BALL COURTS, POOL, SPA, and SPRAWLING PARK only a few doors away*Your KITCHEN has OVERSIZED ISLAND, GAS STOVE, R/O, refrigerator included, and PANTRY*CONVENIENT BUILT IN STUDY CENTER*LARGE OWNER SUITE is split and you can APPRECIATE the added 4-ft extension*This NEWER BUILT HOME has updated CEILING FANS and PENDANT lighting, NEST thermostat, BLINK exterior CAMERAS, and ORANGE and LEMON tree planted in 2023*COME BY and SEE why YOU WILL WANT TO CALL THIS PLACE YOUR ''HOME

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18321 E Spring Valley Court Rio Verde, AZ 85263

$639,854

2 Beds

2 Baths

1,678 SqFt

Status Active

MLS # 6765037

Property Type Single Family Residence

Price Type --

Welcome to this beautiful home in the Resort Collection at Trilogy at Verde River. The Valletta offers a well-thought-out layout with 2 bedrooms, 2 bathrooms, and an open office. The great room has a multi-slide glass door. You will love the Gourmet Chef kitchen with stainless steel wall appliances. The back patio is expansive with pavers and an extended patio. The primary suite has a lavish ensuite with a huge tiled shower and walk-in closet. Do not miss out on this home The amenities at Verde River are World Class with Tom Lehman inspired eighteen-hole Golf course, tennis courts, pickleball courts, and bocce ball, heated lap pool and Resort style swimming pool, hot tub, Afterburn fitness center, Helen's demonstration Kitchen for cooking classes and a 7.5 acre dog park. The community center has casual poolside dining at Eddy's Diner and gourmet dining at award-winning Needle Rock Kitchen and Tap, Alvea Spa with full-service Salon and Spa amenities, Art Loft and events center. Trilogy at Verde River is adjacent to the Tonto National Forest and is situated in the middle of miles and miles of hiking and biking trails.

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3408 W Via Del Deserto -- Phoenix, AZ 85086

$639,500

4 Beds

3 Baths

3,011 SqFt

Status Active

MLS # 6763352

Property Type Single Family Residence

Price Type --

Pride of ownership shows in this beautiful home located in the desirable Tramonto subdivision. This home sits on a premium lot with common area to the East and North. One of the 4 bedrooms is on the lower level making a great office, guest suite or playroom. The large loft works also works great for those work-from-home individuals. The exterior of the home has a fresh coat of paint, and the entire home has been meticulously maintained by the original owners. Location in the community is perfect and in walking distance to school for your k-8th graders. You don't want to miss this great opportunity!!

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19973 N Half Moon Drive Surprise, AZ 85374

$639,500

2 Beds

2.5 Baths

2,732 SqFt

Status Active

MLS # 6764824

Property Type Single Family Residence

Price Type --

Picture yourself hosting gatherings in this spacious & versatile 2,732 sf Ironwood Estate.Discover a seamless flow between the living room, dining area, family room & kitchen, creating a perfect space for relaxing or entertaining.Gourmet kitchen with built in ovens, island, an abundance of counter top space, ample cabinets, walk in & butlers pantry.Primary ensuite retreat has a double vanity, soaking tub & walk-in shower.Cozy guest suite ensures your guests feel welcome & comfortable.Retreat to the comfort of the den for a good read.Inside utility room with sink,cabinets & W/D included. Shutters on many windows.2.5 car garage.Expansive 11, 891 square foot lot provides endless possibilities for creating your outdoor oasis.Save on utilities with Solar.Quality furnishing available separate.

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18861 E Blue Sky Drive Rio Verde, AZ 85263

$639,500

2 Beds

2 Baths

1,380 SqFt

Status Active

MLS # 6702241

Property Type Single Family Residence

Price Type --

This home is beautiful! Located in the highly sought after, Tonto Verde Country Club-Gated Community (2 Courses). Home features: 12-foot ceilings, impressive (Iron) front entry door, SS appliances, white cabinets and granite counter tops throughout home, large island w/ a breakfast bar, farm sink, open kitchen/dining and living room, split bedrooms, light paint colors, beautiful tile floors, additional storage (laundry room) and even parking for your Golf Cart! The backyard boasts a large travertine (Paver'd) patio, newly installed patio sunshade, a view fence overlooking the golf course. A true Arizona lifestyle, the backyard is beautifully landscaped and is close to Tonto National Forest. Move right in and enjoy! TURN-KEY! Quick close possible.

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1906 W Lariat Lane Phoenix, AZ 85085

$639,000

3 Beds

2.5 Baths

2,567 SqFt

Status Active

MLS # 6761420

Property Type Single Family Residence

Price Type --

Gorgeous home looking for a new owner! Welcoming great room with abundant natural light, wood-style tile floors, a powder room, and modern light fixtures. The open-concept kitchen includes stainless steel appliances, popular white cabinets, an island with a breakfast bar, and granite counters. Continue upstairs to find a spacious loft for entertainment and 3-sizable bedrooms! The main retreat has a bathroom with a glass enclosure shower, dual sink vanity w/makeup area, and a walk-in closet. Outside, relax under the covered patio or lovely front porch. Don't miss the 2-car rear garage. Light tree-lined streets, pedestrian-friendly sidewalks, and a recreation center with a resort-style pool, kiddie pool, gathering areas, etc. A must-see property!

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