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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22953 S 207th Place Queen Creek, AZ 85142

$623,986

4 Beds

3 Baths

2,309 SqFt

Status Active

MLS # 6740939

Property Type Single Family Residence

Price Type --

MLS#6740939 January Completion! The Cambridge at Ellsworth Ranch Landmark is a single-story floor plan offering 2,474 sq. ft. of living space with 4 bedrooms, 3 bathrooms, a 2-car garage, and an exercise/flex room. A welcoming porch greets you at the front of the house. Upon entering, the foyer leads you down a hallway with secondary bedrooms and 2 full bathrooms on one side and a laundry room on the other. Continuing straight, you'll arrive at the spacious, open kitchen, great room, and dining area—a space sure to capture your heart. Structural options include: garage service door.

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5709 S Dante -- Mesa, AZ 85212

$623,986

3 Beds

2.5 Baths

2,290 SqFt

Status Active

MLS # 6745163

Property Type Single Family Residence

Price Type --

MLS#6745163 Ready Now! Discover the stunning Hillary Expedition Collection. This single-level home offers 2,290 square feet of well-designed living space, including 3 bedrooms, 2.5 baths, a private study, and a spacious 3-car garage on a corner lot. The heart of the home is its open-concept design, featuring a large gathering room, a chef-inspired island kitchen, and a welcoming dining area. Sliding glass doors seamlessly connect the living space to the extended covered back patio and finished backyard. The two secondary bedrooms share a convenient Jack &Jill bath, while a private study is thoughtfully positioned near the front entry. Home options include: window coverings, whole house appliance package, and finished backyard.

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4574 W Gilbert Lane San Tan Valley, AZ 85144

Open House

$623,645

5 Beds

4.5 Baths

3,291 SqFt

Status Active

MLS # 6664214

Property Type Single Family Residence

Price Type --

This home truly has it all. The SLATE plan is for those who want everything in their new home. The primary bedroom, guest room, and home office are all downstairs. The kids retreat featuring three generous sized bedrooms and a spacious loft are upstairs. This Slate features a desert contemporary exterior with all of the contemporary upgrades on the interior. Features include a gorgeous gourmet kitchen, custom backsplash, satin nickel fixtures and hardware, wood-look tile in all the common areas, and granite countertops.

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2300 E Concorda Drive Tempe, AZ 85282

$623,500

4 Beds

2 Baths

2,252 SqFt

Status Active

MLS # 6704841

Property Type Single Family Residence

Price Type --

This 4 bedroom, 2 bath large open great room floor plan includes many features: Open kitchen with massive island, lots of counter space, many cabinets, Huge diving pool, Extra large master bedroom, 3 walk in closets, updated bathrooms, corner lot, RV parking with slab and gate, large storage shed, covered patios, North/South exposure, amazing location - close to Freeways, ASU, MCC, Mesa & Tempe Schools, Banner Hospital and Fiesta Mall. Lots of great restaurants close by too! Thank you for showing!!!

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2740 S Pleasant Place Chandler, AZ 85286

$623,000

4 Beds

3 Baths

2,350 SqFt

Status Active Under Contract

MLS # 6744938

Property Type Single Family Residence

Price Type --

Fabulous 4 bedroom/3 bath home in the popular Chandler community of Carino Estates. Soaring ceilings & a beautiful wood staircase greet you as you enter. Formal living & dining rooms provide a perfect space for entertaining while the large family room is great for relaxation. Any chef would love the kitchen that boasts a plethora of upgraded cabinets, granite countertops with tile backsplash, pendant & recessed lighting, an island, breakfast bar and even a breakfast nook. The downstairs bedroom & full bath is a great space for guests. Upstairs you find the large master suite featuring a walk-in closet, separate tub & walk-in tiled shower, double sinks, his & hers closets & a sitting room that could double as an office or nursery. 2 additional bedrooms and another full bath can also be found upstairs. The back yard is a true private oasis with its covered patio, lush vegetation, large grassy yard & backing to the greenbelt so there are no neighbors directly behind. The 2-car garage and extended driveway provide plenty of parking and the RV gate leads to another concrete pad where you could park your toys. Located in a great community close to the 202 & 101 freeways and downtown Chandler with all its dining & shopping venues.

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5415 W Pontiac Drive Glendale, AZ 85308

$623,000

4 Beds

2.5 Baths

2,439 SqFt

Status Active

MLS # 6684020

Property Type Single Family Residence

Price Type --

Excellent LOCATION in Arrowhead Lakes. Million-dollar homes in the neighborhood. Close to shopping. Elegant 4 bedrooms with master suite on the first floor and lake/mountain views from the second floor.

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2730 Nelson Lane Chino Valley, AZ 86323

$622,462

3 Beds

2 Baths

2,076 SqFt

Status Active

MLS # 6776501

Property Type Single Family Residence

Price Type --

BRAND NEW I Quick Move-in 1 Acre Lot in Peaceful Heritage Pointe. Nestled in Chino Valley, just outside of Prescott! This charming community offers a haven for families seeking an exceptional living experience. The homes in this community are build on 1-acre homesites, so you and your family can enjoy privacy while taking in the picturesque atmosphere. Heritage Pointe offers 7 distinct floorplans, modern amenities, open-concept layouts with designer finishes. For those enjoying travel, opt for a floorplan that includes an RV Garage! You won't want to miss out; plan a visit with us today.

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19016 W Rose Lane Waddell, AZ 85355

$621,915

6 Beds

3.5 Baths

3,159 SqFt

Status Active

MLS # 6770159

Property Type Single Family Residence

Price Type --

Amazing 2 story floorplan, Downstairs owners suite plus guest suite. Professionally decorated gourmet kitchen, quartz center island with stainless appliances, Wood plank tile in common areas, Quartz countertops, tiled backsplash, staggered Harbor cabinets, oversized great room and eat in kitchen, oversized laundry room. Massive loft upstairs, Jack & Jill bath. Enjoy the peaceful sunsets on your covered patio and mountain views. Plenty of room for everyone and extra space in the 3 car tandem garage. This home will be completed in December/January

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6798 W Andrea Drive Peoria, AZ 85383

Open House

$621,900

3 Beds

2.5 Baths

2,051 SqFt

Status Active

MLS # 6722958

Property Type Single Family Residence

Price Type --

Turnkey READY NOW-North/South Exposure. Experience the charm of Aloravita, nestled within the scenic mountains of Peoria. This community boasts breathtaking views and is conveniently located minutes away from shopping, dining, hiking trails and more! Our popular 'El Dorado' floorplan features 3 full bedrooms, 2.5 bathrooms, 2 Car-Garage and a private yard with views! Designer selected finish includes White Cabinetry, Quartz Kitchen Countertops, Wood Like Tile Throughout, and Plush Carpet in all the bedrooms. This beautiful home will have it all including 9' ceilings, Gourmet Gas Kitchen, Smudge Proof Stainless Steel Appliances, Blinds, Pre-Plumb for Soft Water, and Smart Home Technology. *Photos of similar spec to show layout, options will vary*

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10130 S Bickwell Trail Apache Junction, AZ 85120

$621,848

5 Beds

4 Baths

3,099 SqFt

Status Active

MLS # 6768168

Property Type Single Family Residence

Price Type --

Discover the exceptional difference in your home-buying experience! Welcome to Laurel at Blossom Rock, where our 2-story Ponderosa design w/ LIVE in SUITE is under construction now. Imagine an open-concept floor plan featuring a warm and welcoming kitchen that flows into a bright, airy great room. This space opens up to your private, extended covered outdoor room - perfect for relaxing or entertaining. With 5 spacious bedrooms, 3 luxurious baths, a great room with a dining area, and a flexible office space, this home has everything! Plus, we're including $81,000 in stunning upgrades to make this home truly special, and we're offering special financing to help NOW.

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28250 N 134th Avenue Peoria, AZ 85383

New

$621,469

4 Beds

3 Baths

2,318 SqFt

Status Active

MLS # 6788574

Property Type Single Family Residence

Price Type --

A soon to be complete single-story Harbor with a Ranch exterior elevation style. This 4-bedroom home plus a flex room offers 3 and a half baths and a 3 car tandem garage. The kitchen features stainless steel appliances and stylish Mocha colored cabinetry and beautiful white quartz countertops. Throughout the home, find upgraded baseboards and wood-like tile. The home and community are at the base of a mountain and are near Vistancia. Home warranty included.

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7313 E Fillmore Street Scottsdale, AZ 85257

$621,000

4 Beds

2 Baths

1,841 SqFt

Status Active

MLS # 6762777

Property Type Single Family Residence

Price Type --

Well maintained single story home with great South Scottsdale location. Close to ASU and Old Town. The appealing interior boasts updated flooring, neutral paint, a welcoming living room, large eat-in kitchen with sliding glass door leading to back patio. Kitchen equipped with updated stainless steel appliances including new D/W, granite counters, ample cabinet space, a peninsula with breakfast bar. French doors of master leads to a spacious yard. Approximately 224 sqft Casita offers exercise room/ office. Large workshop shed only steps from RV Gate. Large side yard to store all your toys. New electrical house panel and cast in 2021. Insulation updated 2021. New Hot water heater 2023. Great Investment opportunity!

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