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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21225 W Wilshire Drive Buckeye, AZ 85396

Open House

$614,900

4 Beds

2.5 Baths

2,322 SqFt

Status Active

MLS # 6713534

Property Type Single Family Residence

Price Type --

Picture yourself enjoying the fall sunsets on your private patio next to your heated pool, perfect for entertaining family and guests, or maybe just your own quiet time This stunning 4-bedroom, 3-bathroom gem with a den features a modern design and an open floor plan, perfect for both family life and entertaining. The gourmet kitchen is a chef's delight, boasting contemporary appliances, a large island, sleek tile backsplash, quartz countertops, and ample cabinetry. Step outside to your private oasis with a fully landscaped yard and a luxurious heated pool, perfect for year-round enjoyment. The home also offers a three-car tandem garage, solar system for energy savings, and double gates to conveniently park your toys. Nestled on a desirable corner lot, this home is an absolute must-see

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3948 E Gold Mountain Avenue San Tan Valley, AZ 85143

$614,857

4 Beds

3 Baths

3,146 SqFt

Status Active

MLS # 6776756

Property Type Single Family Residence

Price Type --

Enchanting new home featuring designer selections, a split floor plan, and north/south exposure. Located in Bella Vista Farms, homeowners have access to their community pool and playground. The kitchen boasts a GE Executive kitchen appliance package including double ovens and a gas cooktop, there are also Delta Terra Quartz Zinc countertops and Aristokraft 42'' cabinets in Benton White. Other highlights in the home include a frameless walk-in shower at the primary suite and Vicinity White 6 x 36 Matte Wood like tile flooring. Utilities for this home include: Mesa Gas, EPCOR Water, and Rural Metro.

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917 W Desert Hills Estate Drive Phoenix, AZ 85086

$614,000

3 Beds

2 Baths

1,600 SqFt

Status Active

MLS # 6750600

Property Type Single Family Residence

Price Type --

Looking for trail options to ride your horse from home? This horse property has three desert trailhead options within a mile of the home. This well-maintained, single-owner 3-bedroom, 2-bathroom home spans 1,600 SF on a spacious 1.125-acre lot, offering the perfect blend of rural charm, and modern conveniences. The property features a horse corral, a one-horse mare motel, and a detached 24x14 Tuff Shed/tack room, ideal for a tack room or storage. Situated on a private road with only two other residences, you'll enjoy unparalleled seclusion with an untouched natural desert lot to the north. Breathtaking mountain views and a serene country lifestyle. This move-in-ready home includes a two-car garage and an outdoor water feature that adds a soothing touch to your outdoor space. The open floor plan seamlessly connects the kitchen, dining, and living areas, while the split layout ensures privacy for the master suite. The master bedroom boasts dual sinks, a private toilet, and a tiled walk-in shower. Recent upgrades include a new roof in 2022, a new AC unit in 2017, exterior paint in 2021, and a new septic system in 2023. The home also features all-new windows (except the garage) installed in 2021, New kitchen counter tops, kitchen sink and faucet 2021, and newer appliances including a 2021 refrigerator, built-in microwave, a 2022 dishwasher, and a 2018 washer. The well is a 4 share well. This North Phoenix rural horse property offers the tranquility of country living while being conveniently close to the Carefree Highway, I-17, restaurants, shopping, and other amenities. Horse riding trails into the vast desert is a short 4,000 feet away. Don't miss out on this exceptional opportunity!

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646 W Naranja Avenue Mesa, AZ 85210

$614,000

4 Beds

2.5 Baths

2,039 SqFt

Status Active

MLS # 6738172

Property Type Single Family Residence

Price Type --

***UPDATE...With an Accepted Offer, Seller will pay off Solar Lease before close of escrow.**Price Reduced** $10k Below Market value and ready to sell, Seller says bring an offer!! Welcome to your dream home, a beautifully remodeled gem located in desirable Mesa neighborhood. This stunning residence has been thoughtfully updated both inside and out, combining modern luxury with functional design. The updated kitchen is a chef's delight, featuring sleek stainless steel appliances and elegant quartz countertops that make meal preparation a pleasure. Crown molding throughout the downstairs and in the primary bedroom adds a touch of sophistication, while all-new fixtures and custom shutters with faux blinds enhance the home's refined aesthetic. Step outside to enjoy your private oasisa sparkling pool perfect for cooling off on hot summer days. The front and back yards are zero-scaped, providing beautiful, low-maintenance outdoor spaces that are as practical as they are attractive. This home isn't just a place to live; it's a lifestyle upgrade. Don't miss out on this exceptional opportunity, schedule a showing today and experience the perfect blend of elegance and convenience!

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7437 W Bloomfield Road Peoria, AZ 85381

$614,000

3 Beds

2 Baths

1,935 SqFt

Status Active

MLS # 6765758

Property Type Single Family Residence

Price Type --

Rare Opportunity to own a 17,942 sq foot lot size, No HOA,RV Parking,Separate additional 2 car garage(detached) with guest room and that is Move in Ready. Home boast nice tile flooring, updated kitchen with white quartz countertops, stainless Steel Appliances. and plenty of cabinet space with beautiful white plantation shutters. Ceiling fans in all bedrooms and living room. Great Sized backyard with pool that was recently resurfaced.There can be 6 Additional parking spaces in the backyard that can fit RVs and trailers. High concrete wall offers more privacy.Exterior of home has fresh new paint, newer water heater and master bathroom has been recently updated. Come view now before it's too late!

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22647 E Avenida Del Valle -- Queen Creek, AZ 85142

$614,000

5 Beds

3 Baths

2,799 SqFt

Status Active

MLS # 6773273

Property Type Single Family Residence

Price Type --

This beautifully designed 5-bed, 3-bath home in the Meridian community offers 2,799 sqft of modern living space, built in 2018. Featuring tile throughout the main areas, with carpet in the bedrooms, a massive family room, and a 3-car garage, this home blends style and functionality. Plus, the paid-off solar provides excellent energy savings! Enjoy Meridian's 5,000 sqft pool, parks, and scenic trails, along with the nearby Frontier Family Park offering playgrounds and picnic areas. This stylish, move-in ready home is a must-see in one of Queen Creek's most desirable communities!

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25742 N 103rd Drive Peoria, AZ 85383

$614,000

3 Beds

2 Baths

2,172 SqFt

Status Active

MLS # 6760450

Property Type Single Family Residence

Price Type --

Amazing View lot with all the incredible features you dream of! To start, you enter into this home with soaring 10-foot ceilings, then into the large open kitchen with an entertainers Granite countertop, stainless appliances, 16 Inch tile throughout, gas fireplace, large family room, extended covered back patio looking out over the horizon and awesome mountain views! Split floorplan with very private master Suite with exit onto the patio, Garage is extended with a service door leading to an RV parking area and RV gates. This is a well sought after community in the Peoria public school district, and only a few miles of Several National Acclaimed Charter Schools. Easy access to loop 303-I-10 AND the 101. This home is a MUST SEE!! Don't miss your opportunity 2 Own this one!

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537 W Mountain Vista Drive Phoenix, AZ 85045

$614,000

4 Beds

2 Baths

2,050 SqFt

Status Active

MLS # 6751364

Property Type Single Family Residence

Price Type --

INTERIOR HAS BEEN FRESLY PAINTED Home has perfect floor plan w/ large open living area w/ slate & hard wood floors, double door office/fourth bedroom. Kitchen features large granite breakfast bar, newer raised panel dove tail drawer cabinets & glass tile back splash & stainless steel appliances. All open to family room w/ fireplace & views of oversized covered patio & diving pool, built In spa. Entire home has natural slate tile flooring and vaulted ceilings through out. Three car garage has Incredible Built In Cabinets And Plenty Of space for vehicles & toys. Roof is three years old & HVAC is also newer for ease of future comfort. home Is Incredible & quietly located In the Foothills Club West w/ easy access to freeway travel. Home backs to old Club West Golf Course on double fairway.

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17728 N Deer Trail Maricopa, AZ 85139

$613,000

4 Beds

3 Baths

1,940 SqFt

Status Active

MLS # 6735874

Property Type Manufactured Home

Price Type --

This 2.49 acre property in Hidden Valley has it all! This gorgeous MOVE-IN READY home is just over 1900 sq ft. Western style property inside and out! The home features 4 bedrooms and 3 full bathrooms, and formal dining. Split floor plan with the main bedroom opening to an en-suite bathroom. Full length parking stalls along the side of the home. The property has a fully finished workshop & chicken coop equipped with a misting system. No HOA, shared well, fully fenced with GORGEOUS MOUNTAIN VIEWS and only minutes from city amenities! Bring your horses & make this home yours today. Truly a must see!

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30009 W Latham Street Buckeye, AZ 85396

$612,999

3 Beds

2 Baths

1,512 SqFt

Status Active

MLS # 6784437

Property Type Single Family Residence

Price Type --

NO APS BILL SINCE MAY 2023 due to Paid In Full 50 Solar Panels generating energy & energy credits. If power goes out, SolarEdge Inverter automatically switches on the backup Liquid Cooled 22kw Generac Generator, powered by a 500 gallon propane tank. Energy Efficiency Complimented by: Renewal by Andersen Windows, Renewal by Andersen Sliding Arcadia Door, Detached Steel Building 27' x 30' x 10' low to 13'9'' high - Door 16' wide x 10' tall great for Tractor, RV or Horse Trailer, Horse property, Livestock, Miniature Horse Paddock, Enclosures, chickens, ducks, goats, rabbits, pigs, dogs, feral cat, Two 16' back property entry gate, openings, RV Gate, RV Parking, Adjusted And Replaced Tension Spring On Attached To House Garage Door, New Roof & Bath Skylight, Lennox 4 Ton 16 SEER AC Heat Pump, Lennox AC surge protector, 40/50 Gallon Hot Water Heater, Hot Water Heater Timer, Attic Of Home & Garage Filled With Maximum Allowed Insulation, Kitchen 24.9 cu' Refrigerator, (5) 52 9 Blade Ceiling Fans, New Kitchen Bath Quartz Countertops, New Sinks, Faucets And Towel Bars, New Dishwasher, New Electric Oven Range, Replaced All Interior Outlets, Covers, Switches & 3 Exhaust Fans, 20 Amp Dedicated Circuits-Outlets Inside Home-One Exterior By Breaker Box, Replaced All Interior Outlets, Covers, Switches & 3 Exhaust Fans, Security Front Entry Door, New Paint Interior and Exterior Of Home, Wheelchair Ramp to Front Door

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7615 W Saddlehorn Road Peoria, AZ 85383

$612,990

3 Beds

2.5 Baths

1,953 SqFt

Status Active

MLS # 6763668

Property Type Single Family Residence

Price Type --

Brand new community in North Peoria! This stunning single story home offers 1,953 sq ft of functional living space. It features 3 bedrooms, 2.5 bathrooms, den, and a 2 car garage. The open concept kitchen is perfect for entertaining and features an Island, a walk-in pantry and stainless steel appliances. It also offers our Harmony Palette which includes gray painted 42'' Cabinets, silver falls granite kitchen countertops, 4x4 kitchen backsplash, and 6x36 wood looking plank tile in all the common areas, soft water loop, and interior blinds. The great room offers a 4-panel center sliding glass door so you can step out into your covered patio to enjoy indoor/outdoor living in your backyard with friends and family. The primary suite has a spacious walk-in closet, double sinks, walk-in shower, and an additional linen closet for extra storage. Great location close to dining, freeways, parks, and entertainment!

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28266 N 134th Drive Peoria, AZ 85383

$612,817

3 Beds

2 Baths

2,105 SqFt

Status Active

MLS # 6786771

Property Type Single Family Residence

Price Type --

A soon to be complete single-story Dove with a Ranch exterior elevation style. This 3-bedroom home plus a flex room offers 2 baths and a 3 car tandem garage. The kitchen features stainless steel appliances and stylish cream-tone cabinetry with matte black hardware 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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