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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646 W Naranja Avenue Mesa, AZ 85210

$614,500

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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25125 N 171st Lane Surprise, AZ 85387

$614,323

5 Beds

4 Baths

3,185 SqFt

Status Active

MLS # 6762106

Property Type Single Family Residence

Price Type --

MLS#6762106 January Completion! The versatile Victory floor plan at Asante boasts an open-concept design, where the kitchen seamlessly connects to the great room, complemented by a nearby dining area. The first-floor primary suite offers a spacious walk-in closet and a well-appointed bath. The main level also includes a full bathroom, an additional half bath, and a flexible space perfect for a home office or playroom. Upstairs, you'll find secondary bedrooms, a full bathroom, ample storage, and a loft, providing additional space for relaxation or entertainment. Structural options added include; Gourmet kitchen,12' x 8' sliding glass door, paver front porch and walkway, bedroom 5 with bath 4, and garage service door.

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3645 E Decatur Street Mesa, AZ 85205

$614,000

4 Beds

2.5 Baths

2,448 SqFt

Status Active

MLS # 6775556

Property Type Single Family Residence

Price Type --

Discover this beautifully updated home situated on over a quarter-acre lot backing onto a greenbelt in an established Mesa neighborhood, free from HOA constraints. The layout includes a front living room with soaring two-story vaulted ceilings and a fireplace, a dining area with a bay window, and a separate family room boasting another fireplace. The kitchen is equipped with white cabinetry, granite countertops, stainless steel appliances, a pantry, a built-in desk, and a peninsula offering breakfast bar seating. The expansive backyard is an oasis featuring a full-length covered patio with ceiling fans and roll-down shades, a built-in pool and spa secured by a removable fence, ample grassy areas for play, a storage shed, and a spacious side yard with an RV gate and concrete slab. The main floor primary bedroom features double door entry, a tray ceiling, hardwood floors, and an en-suite bathroom with a dual-sink vanity, separate tub and shower, and a walk-in closet. Upstairs, you'll find secondary bedrooms and a full bathroom with double sinks and a tub/shower combination; one bedroom even has double doors leading to a balcony. Additional amenities include plantation shutters, fresh carpeting, one new A/C unit, and an oversized two-car garage with a service door to the backyard.

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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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9122 W Circle Drive Strawberry, AZ 85544

$614,000

3 Beds

2 Baths

2,027 SqFt

Status Active

MLS # 6703166

Property Type Single Family Residence

Price Type --

Nestled on a secluded 0.40 acre lot, this private home boasts a spacious 2027 sq ft of living space. As you step inside, you are welcomed with a generous great room adorned with cathedral ceilings and a warming gas fireplace, offering a cozy ambiance for gathering or quiet evenings in. The allure of outdoor living is evident with covered back deck overlooking a sprawling yard, providing a perfect setting for outdoor dining, sitting around the fire pit or simply soaking up nature's beauty. Upstairs is a sizable primary bedroom which provides a tranquil sanctuary, vehicle an open loft area offers versatility for various lifestyle needs. This is horse property with two stalls. The 2-car garage has a full attic making for ample storage.

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18835 N 16th Place Phoenix, AZ 85024

$614,000

4 Beds

2.5 Baths

2,259 SqFt

Status Active

MLS # 6761517

Property Type Single Family Residence

Price Type --

Welcome to this beautifully updated home in the heart of North Phoenix! This charming property in a gated community, boasts an open, airy layout that fills the space with natural light, enhanced by fresh, modern paint throughout. The kitchen features sleek white cabinetry, creating a clean and inviting space for cooking and gathering. Situated on a large lot, this home offers ample outdoor space, perfect for relaxation or play. From the upstairs bedrooms, enjoy breathtaking mountain views, adding a serene and picturesque backdrop to your daily life. With Mountains and trails just minutes away, this home is an ideal retreat for nature enthusiasts seeking both comfort and adventure.

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9443 W Melinda Lane Peoria, AZ 85382

$612,900

4 Beds

2 Baths

2,684 SqFt

Status Active

MLS # 6734784

Property Type Single Family Residence

Price Type --

Welcome to this beautifully updated single-story home featuring 4 spacious bedrooms and 2.5 modern bathrooms. Step inside to fresh interior paint and new carpeting in the bedrooms, creating a cozy and inviting atmosphere. The open kitchen boasts elegant quartz countertops and brand-new stainless steel appliances, including a microwave, dishwasher, and range, perfect for the home chef. The family room flows seamlessly from the kitchen, providing an ideal space for gatherings and entertaining. Outside, enjoy the sparkling pool, perfect for relaxation and outdoor fun. This home is the epitome of comfort and style, ready for you to move in and make it your own.

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4284 Ponderosa Trail Wickenburg, AZ 85390

$612,721

3 Beds

2 Baths

1,828 SqFt

Status Active

MLS # 6770314

Property Type Single Family Residence

Price Type --

Welcome to the Flourish floor plan in the Homestead neighborhood, a stunning designer home crafted by the Shea interior design team. This 2 bed, 2 bath home features GE Profile electric built-in appliances & brushed nickel accents throughout. Enjoy upgraded framed mirrors & heavy glass enclosures at both baths, along with upgraded quartz countertops & custom tile mosaics. The kitchen boasts full overlay cabinets, cabinet pullouts, under-cabinet lighting, & a 15ft sliding glass wall in the living room. Additional features include upgraded electrical, extended covered patio, 4ft garage extension, $23k in tile flooring, & nearly $30k in custom landscaping. Visit the Shea sales office for current incentives.

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948 N 87th Street Scottsdale, AZ 85257

$612,560

3 Beds

2 Baths

1,484 SqFt

Status Active

MLS # 6767447

Property Type Single Family Residence

Price Type --

Wonderful Scottsdale, large cul-de-sac. Entertain at home, or you are moments away from the wonderful downtown & Old Town Scottsdale Art District, Restaurants and Fashion Square Shops. Enter take off your shoes and enjoy the engineered hardwood floor the home. Cook up your favorite meals in this Wide Open Kitchen where all your guests can gather in the large eating area next to the kitchen. Great views from the Kitchen window. Large family room, open courtyard in middle of the home. Master Bedroom view to private garden. Large walk-in tiled shower. Pool fence is remove-able for special occasions. Energy efficient windows 2016. Extra 220 volt outlets for special appliances or work tools. Nice yard with sunrise views. Seller contribution for pool updates. Enjoy the bike/walk trails.

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8133 E Sunwing Ridge Drive Hereford, AZ 85615

$612,500

4 Beds

4 Baths

2,700 SqFt

Status Active

MLS # 6757370

Property Type Single Family Residence

Price Type --

Welcome to your dream rural retreat! This stunning 4-bedroom, 3-bathroom home boasts 2,361 sq ft of open southwest-style living space, plus a separate app. 320 sq ft spa room complete with a private bathroom. Cook gourmet meals in the state-of-the-art kitchen featuring custom cabinets, granite countertops, and a double island seamlessly integrated into the open floor plan. Set on 3.34 acres with breathtaking panoramic views of the grassland and mountains, this property offers tranquility and space for all your needs. The expansive rear patio in a courtyard setting is perfect for entertaining or enjoying a quiet evening under the stars. Animal lovers will appreciate the separately fenced area at the rear of the home. For car enthusiasts, there's plenty of space in the 5-car garage

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10418 S 46th Way Phoenix, AZ 85044

$612,000

3 Beds

2 Baths

1,856 SqFt

Status Active Under Contract

MLS # 6752148

Property Type Single Family Residence

Price Type --

Gorgeous Spanish-style Cul de sac home awaits your visit! This home is best described as being elegant, yet very comfortable. It has mountain views, walking distance to South Mountain trails & the park!! The 3rd bedroom was converted into a large walk-in closet but can easily be converted back. From the moment you enter this home You'll see natural light from the large windows and from the skylights! You can relax in the family room next to the electric fireplace or read a book in the living room. Seller has spent around 40K on new high end Anderson windows and remote-controlled skylights! Primary bedroom is large with windows facing the pool, which gives you a resort feeling! Adjacent to the primary bedroom and separated by a rustic barn door, there is a large walking closet. Continued All appliances are top of the line and less than 4 yrs old. The house was stucco-ed and freshly painted in 2021. The new patio door welcomes you to a huge backyard oasis with the pool and well-maintained desert garden!! Don't forget to see the list of upgrades! This is a very unique, wonderful home that has been loved and cared for!!Come see it today!!! Buyer to verify all the info in the MLS.

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899 S Roanoke Street Gilbert, AZ 85296

$612,000

4 Beds

2.5 Baths

1,892 SqFt

Status Active

MLS # 6723501

Property Type Single Family Residence

Price Type --

Welcome to your dream home in a prime Gilbert neighborhood, offering an exceptional blend of modern luxury and serene surroundings. This meticulously maintained property offers the perfect blend of indoor comfort and outdoor tranquility, making it an ideal choice for discerning buyers. Bathed in natural light, this home boasts extensive remodeling with attention to detail. Featuring waterfall countertops, the kitchen is both stylish and functional, catering to culinary enthusiasts. Custom accent walls in the living room and primary bedroom add character and charm. Experience luxury in the spa-like primary bathroom, offering a retreat within your own home. Enjoy a large, private backyard adorned with fruit trees and a sparkling pool, ideal for relaxation and entertaining. New roof in 2021.

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