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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5839 W Charter Oak Road Glendale, AZ 85304

New

$620,000

4 Beds

2.5 Baths

3,054 SqFt

Status Active

MLS # 6778827

Property Type Single Family Residence

Price Type --

Welcome to this stunning home located in the desirable Mission Groves Subdivision. Nestled on a spacious lot, offering an inviting oasis completed with sparkling salt water POOL. Boasting 4 bedrooms and 2.5 bathrooms, this residence is designed for comfort and style. You'll have a nicely renovated interior with stainless steel appliances, granite countertops, laminate flooring, and fresh paint throughout to create a modern and inviting atmosphere providing the perfect space for entertaining family and friends. The spacious back yard allows for additional outdoor possibilities, whether it's gardening, outdoor gatherings, or simply enjoying the open space. The 3-car garage provides ample parking and storage.

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1004 E Desert Hills Drive Phoenix, AZ 85086

$620,000

3 Beds

2 Baths

1,932 SqFt

Status Active

MLS # 6747246

Property Type Single Family Residence

Price Type --

Experience the Ultimate in Country Living! Escape to the serene beauty of Desert Hills with this charming 3-bedroom, 2-bathroom home, perfectly positioned on a generous 1.25-acre lot. Whether you're a horse enthusiast or just seeking wide-open spaces, this property offers endless possibilities. The expansive front yard is ready to accommodate your equestrian dreams, or it can be transformed into a custom detached garage or workshop. Step inside to find a welcoming interior that perfectly complements the natural surroundings. The 3 spacious bedrooms provide plenty of room for relaxation, while the 2 well-appointed bathrooms offer comfort and convenience for everyday living. The home itself boasts a modern, low-maintenance metal roof and a recently upgraded Trane AC, ensuring comfort and efficiency throughout the year. Outside, you'll find two matching storage sheds, ideal for all your tools and outdoor gear, as well as a spacious 3-car carport providing ample covered parking. With a 2-part shared well, you'll have reliable water access, while the wide-open spaces invite you to take in the natural beauty and stunning northeast views. This is truly a place where you can breathe easy and live the country lifestyle you've always dreamed of, all without the constraints of an HOA. This gem is a rare find in Desert Hills, offering both privacy and potential.

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36095 N Desert Tea Drive Queen Creek, AZ 85140

$620,000

4 Beds

3 Baths

1 SqFt

Status Active

MLS # 6585436

Property Type Townhouse

Price Type --

Welcome to this tastefully decorated and designed property located in the highly desired gated community of Encanterra! Downstairs, this home offers the primary room, a guest bedroom, bathroom and laundry. Upstairs, you're greeted with a cosy loft, two bedrooms and third bath. The kitchen is complete with quartz countertops, modern cabinetry, glass tile backsplash and GE Monogram stainless steel appliances with built in refrigerator, dual ovens and warming drawer. You want it furnished, 'lock & leave' status... Sure! Relax and enjoy yourself under the covered back patio with a built-in BBQ looking out to a large grassy area. Welcome home!

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5100 E Rancho Paloma Drive Unit 2043 Cave Creek, AZ 85331

$620,000

2 Beds

2 Baths

2,074 SqFt

Status Active

MLS # 6707699

Property Type Townhouse

Price Type --

This beautiful condominium, built in 2022, boasts a spacious and airy open floor plan, designed for modern living. Enjoy breathtaking mountain views and attached 2 car garage. This beloved second home, has been lightly lived in, ensuring its great condition. Equipped with smart home technology, allowing you to manage your home remotely with ease. Control lighting, security, and other essential functions from anywhere, ensuring your home is always ready for your arrival. Enjoy ''The Good-Life'' in this wonderful pet-friendly community, with a fitness room, a heated pool and spa. The Office can be converted into a 3rd bedroom if needed. The furniture is negotiable and will be conveyed separately on bill of sale.

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1937 E Medlock Drive Phoenix, AZ 85016

$620,000

2 Beds

2 Baths

1,741 SqFt

Status Active

MLS # 6709677

Property Type Townhouse

Price Type --

Historic Biltmore area mid-century modern town home in highly sought-after community features 2-bedroom 2-bathroom home includes a formal dining room, living room with a wood burning fireplace, and an additional family room off the kitchen with study nook. Kitchen is equipped with granite countertops, white cabinetry and added counter space for a coffee bar. Primary bedroom features white shutters and bath includes double sinks & large bath/shower. Private back patio has low maintenance landscaping & brick pavers. Location, Location, location Don't miss the opportunity to own a Biltmore Area home just steps away from shopping , restaurants and so much more !

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1506 N Diane Street Mesa, AZ 85203

$620,000

3 Beds

2 Baths

3,028 SqFt

Status Active

MLS # 6712863

Property Type Single Family Residence

Price Type --

BASEMENT HOME, WITH A POOL, GREAT LOCATION!! Welcome to this uniquely beautiful home offering granite countertops in the kitchen, newer flooring throughout, vaulted ceilings, and new microwave/oven/dishwasher in the kitchen. The spacious basement includes a wet bar and is perfect for entertaining friends and family with movie nights, or all out game time with billiards, ping pong, or poker night. Dive into the refreshing pool, and enjoy basking in the sun in your private oasis while sipping your favorite drink. Bathrooms boast new quartz countertops, and the large laundry room comes with a sink. The primary bedroom offers a spacious walk-in closet and a luxurious bathroom with dual sinks, a separate tub, and shower. This home is a must-see!

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18182 W Young Street Surprise, AZ 85388

$620,000

5 Beds

3.5 Baths

3,636 SqFt

Status Active

MLS # 6739794

Property Type Single Family Residence

Price Type --

MOTIVATED SELLERS!! Home Sweet Home! This exquisite 5-bedroom, 3.5-bathroom residence features a 2-car garage, elegant stone accents, and a welcoming front patio. Inside, the living/dining room boasts a cool palette, plantation shutters, and attractive wood-look flooring. The great room features double French doors that open to the backyard for seamless indoor-outdoor living. The impeccable kitchen comes with granite counters, wood cabinetry with crown moulding, recessed lighting, SS appliances, a pantry, and an island with a breakfast bar. The versatile bonus room is perfect an office or study. The cozy loft upstairs provides a peaceful retreat. Discover a sizeable main bedroom offering plush carpeting, a quaint sitting nook, an ensuite with dual sinks, and a walk-in closet. Outside, the backyard oasis showcases a covered patio, stylish pavers, a ramada, a firepit for evenings under the stars, and a sparkling pool. Make this gem yours!

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886 S Pleasant Drive Chandler, AZ 85225

$620,000

4 Beds

2.5 Baths

2,137 SqFt

Status Active

MLS # 6743825

Property Type Single Family Residence

Price Type --

Welcome to your dream home in beautiful Chandler, Arizona! This stunning 4-bedroom, 2.5-bathroom residence offers the perfect blend of comfort and elegance. Step inside and be greeted by an inviting floor plan with abundant natural light creating a warm and welcoming atmosphere. The luxurious master suite is a serene retreat, complete with a generous walk-in closet and a spa-like en-suite bathroom featuring dual vanities, a soaking tub, and a separate shower. Three additional well-sized bedrooms provide plenty of space for family, guests, or a home office. Step outside to your private oasis—a beautifully landscaped backyard with a sparkling pool that promises endless hours of relaxation and fun. Whether you're hosting summer barbecues, enjoying a quiet evening under the stars... or simply taking a refreshing dip, this backyard is perfect for both entertaining and unwinding. Additional features of this exceptional home include a 3-car garage, solar panels, new AC units and proximity to top-rated schools, parks, and shopping. Don't miss this opportunity to own a slice of paradise in Chandler. Schedule your showing today and experience the perfect combination of luxury and comfort!

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3649 E Cody Avenue Gilbert, AZ 85234

$620,000

4 Beds

2 Baths

1,884 SqFt

Status Active

MLS # 6753565

Property Type Single Family Residence

Price Type --

Your beautifully REMODELED 4 bedroom home w/ a POOL in Carol Rae Ranch is now for sale! Inside you will find spacious dining & living areas, luxury vinyl flooring, graceful archways, and neutral palette throughout. The fabulous kitchen is comprised of ample cabinetry w/ample counter space, a pantry, stainless steel appliances, and an island complete w/a breakfast bar. Double doors open up to the primary bedroom, boasting a walk-in closet and a private ensuite w/dual sinks. This home also features a water softener! Finally, the lovely backyard includes a covered patio and a fenced pool perfect for the warm summer days! THIS IS HOME, make it your first stop!

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1755 W Butler Drive Phoenix, AZ 85021

$620,000

3 Beds

2 Baths

1,750 SqFt

Status Active

MLS # 6757199

Property Type Single Family Residence

Price Type --

Nestled in the highly sought-after Royal Palm neighborhood, this beautifully updated 3-bedroom, 2-bath home boasts a serene and inviting setting with a large, lush front lawn and gorgeous mature trees. As you enter through the private courtyard, you're welcomed by an open layout featuring a formal dining room and spacious family and living rooms, divided by a charming dual-sided fireplace. At the heart of the home, the galley-style kitchen seamlessly connects the main living areas, making it perfect for entertaining. With granite countertops, plenty of cabinet space, and an adjacent eat-in area, it offers both functionality and flow for easy hosting. Recent upgrades include Anderson windows and doors throughout and Rhino Shield paint on the exterior, providing peace of mind with a 25-year warranty. Both bathrooms feature modernized showers with lifetime warranties, and the roof coating comes with a 10-year warranty. Step outside to your personal oasis,a large covered patio complete with a built-in wood-burning fireplace and cozy seating area, perfect for year-round entertaining. The sparkling pool provides the ultimate relaxation spot, surrounded by a low-maintenance yard. This home is just steps away from Royal Palm Park, a popular destination for families and outdoor enthusiasts. The neighborhood's tree-lined streets and strong sense of community make it one of Phoenix's hidden gems. You're also close to some of the best dining in the area, including Otro Café, Richardson's, and The Vig North Central. Plus, nearby farmers markets like the Uptown Farmers Market ensure access to fresh local goods year-round. Enjoy the best of both worlds: a peaceful suburban retreat with easy access to all that central Phoenix has to offer.

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15418 W Big Sky Drive Surprise, AZ 85374

$620,000

2 Beds

2.5 Baths

2,318 SqFt

Status Active

MLS # 6760536

Property Type Single Family Residence

Price Type --

Welcome to the Adult Community of The Grand! Discover the Mission model home, displaying a desert front yard and a 2-car garage. The immaculate interior features a spacious living/dining room, pre-wired surround sound, plantation shutters, tile flooring, a media niche, and a cozy fireplace. The kitchen is fully equipped with a gas cooktop, a wall oven, recessed lighting, solid surface counters, rich wood cabinetry, an island with a breakfast bar, and a dining area with a bay window. Don't miss the sizable den with built-in cabinets & Murphy bed. and a desk! Primary retreat has plush carpeting, a pristine ensuite, a walk-in closet, and outdoor access. Enjoy delightful BBQs in the peaceful backyard, showcasing a covered patio, seating area, and built-in BBQ. This gem will impress!! Indoor gas fireplace Ceiling fans in all rooms Dimmable lighting switches, Tile throughout main house, berber carpet in bedrooms and office Cesarstone counters and cabinets with pull-out shelving throughout Gourmet kitchen with updated stainless-steel appliances Upgraded sink with a no-touch faucet Kitchen island with shelving Breakfast bar Extended dining area with bay windows Soft water system R/o system Washer and dryer with gas or electric option Lots of storage/pullouts in laundry rm along with cesarstone countertop Utility sink in the laundry room Two car garage with coated flooring Storage cabinets and work bench in garage Updated water heater Hot water recirculation system Updated trane air conditioning units (2019) Office/bedroom custom office desk with a murphy bed Extended master bedroom with bay windows Upgraded closet shelving in master Extended second bedroom with bay windows Custom closet shelving in second bedroom Plantation shutters throughout Custom front walkway with flagstone and lighting Back patio has two ceiling fans Built in custom natural gas bbq, patio lighting, and bench seating area with lighting accents, finished with flagstone Exterior of home painted in 2020 Front and back drip system with a timer Transferrable termite treatment (expires in 2027) Community golf courses, fitness center, and many other amenities

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7608 N 17th Avenue Phoenix, AZ 85021

$620,000

4 Beds

2 Baths

1,612 SqFt

Status Active

MLS # 6760382

Property Type Single Family Residence

Price Type --

This fully remodeled home rivals any HGTV makeover. The beautiful and functional kitchen / greatroom has a 16 foot wide wall of sliding glass doors that open to the large covered patio, backyard, and the gorgeous pool. Truly connecting indoor and outdoor living. The kitchen is equipped with stainless steel appliances and a beautiful waterfall edge island. The home also has a walk-in pantry and a generous laundry room. This bright, happy home brings functional style to a great location.

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