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

7270 W Tina Lane Glendale, AZ 85310

$619,500

4 Beds

3 Baths

2,337 SqFt

Status Active

MLS # 6771486

Property Type Single Family Residence

Price Type --

Very popular floor plan in the highly desired Hillcrest community. This home has 4 bedrooms and 3 full baths and has been upgraded recently. The home has 2 A/C units replaced in 2023, newer pebbletech pool along with porcelain wood look tile in the kitchen and bathrooms, Painted cabinets, granite counters and lots of other upgrades. New carpet was just installed and interior was just painted. New gravel in the yard along with artificial grass in the back. The exterior was also just painted in 2023. New garage floor epoxy just completed as well. This home is a must see

View Property

22794 E Stacey Road Queen Creek, AZ 85142

$619,040

4 Beds

3 Baths

2,770 SqFt

Status Active

MLS # 6739105

Property Type Single Family Residence

Price Type --

Incredible Fall Move In Ready Home at the highly desired community of Harvest in Queen Creek. This beautiful plan offers 2753 sq ft, 4 bedrooms, loft, 3 full baths, and study on a large North back home site. Enjoy entertaining in your gourmet kitchen, with stunning pecan cabinets to the 10 ft ceiling, quartz countertops and quartz backsplash. Unwind in your owners retreat with the upgraded super shower offering tile to the ceiling. 2x6 constrution and new home warranty; SEE YOU SOON

View Property

12840 W Santa Ynez Drive Sun City West, AZ 85375

$619,000

2 Beds

2 Baths

2,362 SqFt

Status Active

MLS # 6742696

Property Type Single Family Residence

Price Type --

Discover the elegance and comfort in this stunning property, located within the gated confines of the Corte Bella Country Club. Offering a spacious 2+Den bedroom and 2 bathroom layout across 2362 sq ft, this Cambria Model home is ideally situated on a tranquil street, mere moments from the golf club, restaurant, social halls, fitness center, pickleball/tennis courts and heated pool. A charming 6' courtyard and stone facade invite you into a world of refined luxury, highlighted by a luxurious kitchen and a primary suite bathroom that have both undergone extensive updates. The split floor plan ensures privacy, featuring guest and den areas at one end of the home, conveniently adjacent to a second full bathroom. The primary bath boasts double sinks, quartz counters, a soaking tub, and a beautifully tiled walk-in shower with new fixtures and faucets. The heart of the home, a gourmet kitchen, opens to a large family room, upgraded with quartz counters, a designer backsplash, new hardware, and a high-end Viking range. Additional features include a large laundry room, an extended 28' 2-car garage, and an expansive covered patio overlooking an open yard ready for your personal touch. This home not only offers luxury but also a tranquil lifestyle in a sought-after community.

View Property

7662 E Orange Blossom Lane Scottsdale, AZ 85250

$619,000

2 Beds

2 Baths

1,575 SqFt

Status Active

MLS # 6763710

Property Type Townhouse

Price Type --

Stunning Home Located in the Highly Sought After Retirement (55+ Community), Awarded Historic District of Villa Monterey! Unbelievable Remodeled and Expanded Floor Plan w/ a 2 Car Covered Parking (Rare) w/an End Unit Location w/ Side Gate (Very Desirable). Property Consists of Kitchen Shaker Style Cabinets w/ 42' Uppers w/ Crown Moulding, Tile Backsplash, Oversized Island w/ Breakfast Bar, Quartz Countertops, Stainless Steel Appliances, Gas Range/Oven, Built-In Microwave, Huge Pantry, Work/Office Desk, Beautiful Primary Suite w/ a Large Walk-In Closet w/ Built-In Shelving, Tile Surround Walk-In Shower, Private Toilet Room, Vanity w/ Dual Sinks, Barn-Style Doors, Carpet & Wood Flooring, Wood Shutters, Custom Baseboards, Dual Pane Windows, Recessed Lighting, Ceiling Fans, Outdoor Storage, Inside Laundry Room, Refrigerator, Washer & Dryer Included, North/South Exposure, Low Maintenance Desert Landscape w/ Beautiful Backyard Synectic Grass, Relaxing Covered Patio, Situated Next to the Wonderful Pool & Spa, Fantastic Scottsdale Location, Convenient to Old Town Scottsdale, Spring Training Baseball, Scottsdale Fashion Mall, ASU, Freeway, Parks, Golf, Bike Paths, Restaurants, Talking Stick Casino & Much More!

View Property

2449 E Inglewood Street Mesa, AZ 85213

$619,000

3 Beds

2 Baths

2,038 SqFt

Status Active

MLS # 6767409

Property Type Single Family Residence

Price Type --

Fully professionally/beautifully updated 3 bed/2 bath in one of the cutest neighborhoods in Mesa. No HOA!! Huge 10,633 sqft private lot with substantial RV parking/gate, swimming pool, outdoor shower, covered patio and cozy outdoor settings to relax in the evenings. Attention to detail on the design in the home will make anyone feel like they are on vacation. Open concept floorplan, spacious master bedroom with en-suite bath and much more. All new flooring/lighting/quartz counters/stainless appliances/custom 5'' baseboards/new paint inside and out. Minutes to the 202 with great entertainment and shopping nearby. Close to Mesa and PHX airports. This one is a must see!

View Property

21654 N 106th Lane Peoria, AZ 85382

$619,000

5 Beds

3 Baths

3,074 SqFt

Status Active

MLS # 6770888

Property Type Single Family Residence

Price Type --

Beautiful 5 bedroom 3 bath, plus a loft/game room, front living/dining room combo, family room, breakfast bar, stainless steel appliances, oak 42 inch cabinets, 3 car garage with cabinets in both 2 car and single car garage, covered patio, ceiling fans throughout, separate tub and shower in master, great neighborhood, easy to show, move-in ready, all new carpet

View Property

4223 E Walnut Road Gilbert, AZ 85298

$619,000

3 Beds

2 Baths

2,045 SqFt

Status Active

MLS # 6776030

Property Type Single Family Residence

Price Type --

PRICED RIGHT (AND) NEWLY UPDATED...The Search Is Over! GUARD GATED TRILOGY AT POWER RANCH with a SOUTH-FACING BACKYARD for Winter Sun & Summer Shade! Enjoy outdoor moments in the backyard, complete with a Full-Length Covered Patio, Lush Low-Maintenance Landscape and Natural Turf. Spacious great room with high ceilings, soothing palette, and plantation shutters. Grand kitchen with quartz counters, sleek stainless-steel appliances, two-tier island with a breakfast bar for casual meals, plus an eat-in dining nook. A versatile double-door den or 3rd bedroom is ideal for an office or lounge. Sizeable main bedroom with sitting area, classy closet wardrobe room, spacious bathroom with granite counters, dual sinks, walk-in tub, and separate shower. Tile flooring and recessed lighting throughout!

View Property

4026 W Bluefield Avenue Glendale, AZ 85308

$619,000

5 Beds

3 Baths

2,357 SqFt

Status Active

MLS # 6778290

Property Type Single Family Residence

Price Type --

Super rare find in 85308! Fantastic commuters location. Welcome home to your split floorplan boasting 5 bedrooms 3 full baths. Walk into the formal entry, step inside to an open and bright layout. Primary room with its own private court yard to enjoy some sunshine. New carpet in secondary bedrooms, updated large tile marble look floors, freshly painted and recently remodeled kitchen that steps outside into entertainers dream, large oasis grassy back yard with lush fruit trees and huge patio gazebo to enjoy out door living while you relax in your swimming pool! Conveniently located to the north 101, shopping, restaurants, schools all within easy distance from this amazing. Very large RV gated parking and more room to grow.

View Property

12221 E Chiricahua Place Gold Canyon, AZ 85118

$619,000

4 Beds

2.5 Baths

1,943 SqFt

Status Active

MLS # 6776779

Property Type Single Family Residence

Price Type --

Beautiful former model home (Shiloh floor plan) featuring 4 bedrooms, 8-foot interior doors, a gourmet kitchen with granite countertops, staggered cabinetry, and stainless steel appliances. This spacious home includes a 3-car front-entry garage, paver driveway, and fully landscaped yard. Enhanced with rain gutters, a water softener, upgraded PVC drip system, push-up window blinds, and an extra paver patio off the garage door—perfect for a smoker or BBQ area. Ideally located near the Superstition Mountains and Tonto National Forest, offering breathtaking views, and easy access to mountain biking, hiking, and walking trails. Enjoy serene desert beauty and a peaceful lifestyle just a short drive from Phoenix metro. Turnkey and barely lived in—just bring your toothbrush!

View Property

4295 Sawbuck Way Wickenburg, AZ 85390

$619,000

2 Beds

2.5 Baths

1,869 SqFt

Status Active

MLS # 6711598

Property Type Single Family Residence

Price Type --

Located in the resort-style community of Wickenburg Ranch, this exquisite home is a haven of luxury and comfort, featuring 2 spacious bedrooms and 2.5 elegant bathrooms. The 2 car garage offers ample space for vehicles and storage, complemented by a separate garage specifically designed for a golf cart. The open floor plan is ideal for modern living, highlighted by an upgraded kitchen with a large island, perfect for culinary endeavors and social gatherings. The living area is bathed in natural light, thanks to a stunning wall of sliding glass doors that open to a covered outdoor patio. This seamless indoor-outdoor transition invites you to relax and entertain while enjoying the beautifully landscaped backyard. The primary bathroom and den showcase stylish barn doors, blending rustic charm with modern elegance. This seamless indoor-outdoor transition invites you to relax and entertain while enjoying the beautifully landscaped backyard. The backyard offers an unobstructed view of the lush golf course, ensuring privacy and tranquility with no homes situated behind it. Located in Wickenburg Ranch, this home provides access to a host of amenities, making it a perfect retreat in a vibrant and active community.

View Property

9765 N 105th Street Scottsdale, AZ 85258

$619,000

2 Beds

2 Baths

1,378 SqFt

Status Active

MLS # 6737746

Property Type Single Family Residence

Price Type --

Gorgeous bright & spacious single level patio home in desirable Suntree East of Scottsdale Ranch is calling you home! Best placement in community with extra greenspace out front & NO shared interior walls! Updated granite built in wet bar & indoor fireplace. Large eat-in kitchen with solid surface counters & newer stainless appliances 2020. Open floor plan offers formal dining & living room, family room & attached private outdoor space. Beautifully landscaped with artificial grass to stay green year round. Plenty of room for all your toys, thanks to the oversized 2-car garage. Retreat to the master bedroom that has an en suite master bathroom just calling you to relax. Stunning community offers resort like pool, sparkling spa, & beautiful lush landscaping. Scottsdale living awaits!

View Property

2401 W Cheery Lynn Road Phoenix, AZ 85015

$619,000

3 Beds

2 Baths

2,388 SqFt

Status Active

MLS # 6750173

Property Type Single Family Residence

Price Type --

Welcome to a diamond in Central Phoenix. Rare, expansive square footage in this area of Phoenix at 2388 sf, in this classic 3 bd 2 ba beauty. New AC Unit, hot water heater and kitchen appliances and tastefully updated throughout the home. Let your imagination run wild with this oversized over 13,000 sf corner lot that has been enclosed with privacy Ficus trees to start the creation of your backyard oasis. Close to great midtown dining and shopping and freeway accessibility. You won't want to miss this one of a kind property.

View Property