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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13629 W San Miguel Avenue Litchfield Park, AZ 85340

$610,000

4 Beds

2 Baths

2,408 SqFt

Status Active

MLS # 6771095

Property Type Single Family Residence

Price Type --

This stunning 4-bedroom, 2-bath home in Litchfield Park is packed with modern upgrades and features a dream backyard! The family room has custom accents and a Bose surround sound system, connecting seamlessly to the dining area and updated kitchen with granite countertops, stainless steel appliances, and new cabinet fronts. The bonus room at the front can be used as a den, study, or formal dining space. Main bathroom custom barn door, an oversized shower, dual sinks, and a walk-in closet. Outside, the backyard oasis is perfect for year-round entertaining, featuring lush landscaping, an great covered patio with pavers, and a custom natural gas fire pit ideal for cool evenings. The Pebble Tec pool, complete with a natural rock waterfall, to complete the serene atmosphere.

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1419 California Drive Chino Valley, AZ 86323

$610,000

3 Beds

2 Baths

1,937 SqFt

Status Active

MLS # 6651628

Property Type Single Family Residence

Price Type --

This stunning single-level home in the Chino Valley is a hidden treasure, surpassing the allure of new constructions. Its flawless design and meticulous layout make it a true gem. Boasting 3 bedrooms, 2 baths, and a 2-car garage, this spacious abode offers everything you need. As you step inside, the open and airy ambiance, created by the high-volume ceilings, instantly embraces you, making you feel right at home. In summary, this single-level home surpasses expectations with its impeccable design, thoughtful layout, and luxurious features. It is a haven of comfort and elegance, offering a true sense of home. This remarkable home goes above and beyond with its thoughtful features and attention to detail. Each of the 3 bedrooms boasts its own spacious closet, ensuring ample storage

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1023 E Fairmont Drive Tempe, AZ 85282

$610,000

4 Beds

2 Baths

1,761 SqFt

Status Active

MLS # 6673927

Property Type Single Family Residence

Price Type --

Near ASU and downtown Tempe this charming 4-bedroom, 2-bath home featuring a 2-car garage and RV gated/storage area that is covered with access from front and back. This residence boasts a perfectly flowing layout showcasing tile and wood vinyl flooring, soothing color palette and plantation shutters. The kitchen connects to the living and dining areas with oak cabinetry, a mosaic backsplash, stainless steel appliances, induction oven, modern track lighting and sleek quartz counters. A/C unit is 3 yrs old. French doors lead to a covered patio. Entertaining will be a breeze on the patio with rope lighting or near the fire pit. Home includes security doors and roller shields in rear. New sewer lines in past few yrs.

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13382 W Blackstone Lane Peoria, AZ 85383

$610,000

2 Beds

2 Baths

1,752 SqFt

Status Active

MLS # 6754736

Property Type Single Family Residence

Price Type --

BEAUTIFULLY upgraded VIBRANT shows Pride of Ownership is move-in ready for you! This lovely home w/NEUTRAL palette thru-out features w/WIDE PLANK tile flooring, split tilt PLANTATION shutters, WALL OF GLASS in Great Rm opens to the PROFESSIONALLY designed R/yard with built-in BBQ, gas FIREPIT, ext. PAVER patio & ARTIFICIAL turf! Gorgeous kitchen features HIGH-END cabinetry, GOURMET GE appliances: w/5 burner COOKTOP, built-in OVEN & SS/MONOGRAM hood. GRANITE c-tops & TILE b-splash complete the space. Primary suite/bath features SOLID core barn door w/full LENGTH mirror, dbl. vanities, UPGRADED shower w/DESIGNER tile, HEAVY glass door & SPACIOUS walk-in closet! Guest bath w/CHEVRON tile pattern, heavy GLASS door & Granite c-top. Spacious Den w/built-in cabinets for add'l storage needs. Laundry room includes upper cabinets & laundry tub. Garage features a 4 foot extension and add'l storage area large enough for golf cart, hobby space or sports equipment. Versatrack hanging wall storage. Additional home upgrades: Professionally landscaped front/year yard including paver walkway, wrought iron fencing in rear yard w/snake fencing, raised garden bed, French drains, PVC irrigation w/poly at hubs to plants, Meyer Lemon & Key Lime fruit tree. 4 large pots on drippers w/wall mounted trellis at front entryway. Owned water softener, great room pre-wired for surround sound including rear patio. Under-cabinet lighting kitchen cabinets, recycle center, custom pullouts, soft close drawers, GE French door refrigerator, LG front loader washer/dryer convey with home. TRILOGY AT VISTANCIA is a resort style 55+ active adult community in NW Peoria. Trilogy has 2 beautiful clubhouses, 2 heated outdoor pools, 1 heated indoor lap pool, 2 fitness centers, fitness classes, tennis courts, pickleball courts and bocce ball courts. Beautifully designed Gary Panks 18 hole Championship Golf Course including V's Taproom. Trilogy offers numerous fitness classes, hosted lifestyle events/trip and numerous clubs ie: STEM Club, History Club, Women's Club, Veteran's Club, Wine Club, Pickleball & Car Club just to name a few! ENJOY THE GOOD LIFE at TRILOGY VISTANCIA!

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44615 N 41st Lane New River, AZ 85087

$610,000

4 Beds

2.5 Baths

2,577 SqFt

Status Active

MLS # 6739749

Property Type Single Family Residence

Price Type --

Located in desirable Anthem Parkside Community, Circle Mountain Ranch, this 4 Bedroom / 2.5 Bathrooms with den/office is a must see! Kitchen displays stainless steel appliances with wall oven, gas stove, ''chef style'' cabinetry layout, reverse osmosis system, granite countertops, walk-in pantry, and a center island with a breakfast bar. Master bathroom features double raised sinks, barn door, separate toilet room and walk-in shower. Additional home features include sunscreens, security system, soft water loop, epoxy garage flooring, and RV gate. Backyard includes artificial turf, raised planter, basketball hoop, and firepit. Community center features pool, fitness center, & pickleball courts. City of Phoenix water & trash services plus a 1.5 year old AC unit! Come see this home today!

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13665 W Evans Drive Surprise, AZ 85379

$610,000

5 Beds

3.5 Baths

3,540 SqFt

Status Active

MLS # 6703301

Property Type Single Family Residence

Price Type --

This beautiful property is well maintained, with large open living areas and high ceilings. It has a large new kitchen with lots of storage, new carpet throughout, newly painted, very large garage and much more! Four bedrooms are upstairs, including master bedroom with a balcony, and a family room. The fifth bedroom is downstairs with a full bathroom. This home is great for a growing family!

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26511 N Thornhill Court Peoria, AZ 85383

$610,000

3 Beds

2.5 Baths

1,950 SqFt

Status Active

MLS # 6728282

Property Type Single Family Residence

Price Type --

This is a beautiful, professionally designed model home that you won't want to pass up! This is the Ashton Woods Oasis floorplan, with the lot situated in a cul-de-sac with great views. This home includes several upgrades to start with a pavered driveway and entry, epoxy coated garage floor, water softener, and a solar system! Moving inside you will find the upgraded lighting throughout, built-in speakers, modern accent trim walls, master walk-in shower with rain shower faucet, upgraded laundry room with cabinets, counter and sink, and a 4-panel sliding door, that provides abundant natural light, and invites you to the covered patio. The backyard is aesthetically landscaped with pavers, artificial turf, and tile beneath a pergola creating perfect space to enjoy the outdoors.

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2217 E Wahalla Lane Phoenix, AZ 85024

$610,000

4 Beds

2 Baths

1,810 SqFt

Status Active

MLS # 6739615

Property Type Single Family Residence

Price Type --

**New Price Adjustment**Move-in ready! Beautiful 4-bedroom residence in Mountain Breeze is the one you've been waiting for. Fall in love with an enchanting interior adorned with gleaming wood floors, a fresh soothing palette, dazzling light fixtures, arched doorways, striking vaulted ceilings, & a delightful fireplace. The gorgeous kitchen is fully equipped with white shaker cabinets, a chic tile backsplash, sparkling new SS appliances, quartz counters, a pantry, & a convenient center island. Double doors open to the serene main retreat, comprised of a lavish ensuite with dual sinks, a superb soaking tub, & a walk-in closet. Enjoy hosting memorable get-togethers in the amazing backyard, offering an open patio & breathtaking mountain views! This gem won't disappoint!

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912 W 11th Street Mesa, AZ 85201

$610,000

4 Beds

3 Baths

2,382 SqFt

Status Active

MLS # 6742745

Property Type Single Family Residence

Price Type --

Explore the possibility to convert Detached Garage (361sf) to ADU, Pool House or Casita! NO HOA. Updated 4 Bedroom(2 primary suites), 3 full bathroom with many high dollar updates located in highly sought after Established Mesa Neighborhood. Updates: roof (2016), HVAC 2020/2022, Flooring 2017, Drain line through out home 2023, New Primary Suite/Bathroom, Laundry & Huge Pantry addition in 2022, Windows 2017. Kitchen with double ovens, granite counters, island, induction cooktop, bay window dining nook, custom built-ins open to family room with library area and stepdown into extended family room. All bathrooms updated. Split floorplan. Fenced diving pool w/slide. near Mesa Country Club, Mesa Riverview shopping/dining, Riverview park & nestled directly between the Cubs/A's Spring Training.

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4407 E Gold Poppy Way Phoenix, AZ 85044

$610,000

4 Beds

3 Baths

2,432 SqFt

Status Active

MLS # 6748634

Property Type Single Family Residence

Price Type --

Welcome to Mountain Ranch Estates, where this beautifully upgraded 2-story home offers the perfect blend of luxury and comfort. Featuring 4 spacious bedrooms and 3 full baths, this residence is designed for modern living. Enjoy the elegance of plantation shutters throughout, adding a touch of timeless sophistication. The gourmet kitchen and living areas have been recently updated, creating a fresh and contemporary atmosphere. The home boasts a 3-car garage, ideal for extra storage or a workshop. Step outside to your private oasis with a sparkling pool, perfect for Arizona summers. Situated in one of the few Ahwatukee neighborhoods with natural gas, this home is a rare find.

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29277 N 70th Lane Peoria, AZ 85383

$610,000

4 Beds

3 Baths

2,172 SqFt

Status Active

MLS # 6754671

Property Type Single Family Residence

Price Type --

Welcome to this beautiful 4-bed, 3-bath home in the sought-after Sonoran Mountain Ranch! Great curb appeal with a split 3-car garage, stone accent details, & a manicured desert landscape. You'll love the desirable open layout paired with plantation shutters, abundant natural light, tall ceilings, designer paint, and tile flooring w/plush carpet in bedrooms. The gourmet kitchen features granite counters, staggered Cherry cabinetry, a pantry, recessed & pendant lighting, a prep island w/breakfast bar, and SS appliances w/cooktop gas. Enter the main bedroom to find an ensuite that boasts dual sinks, a large walk-in closet, & a shower w/dry-off area. The charming backyard is the best spot for relaxing or entertaining, offering a paver-covered patio & artificial turf! What a GEM!

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3256 S Emery Circle Mesa, AZ 85212

$610,000

4 Beds

2 Baths

2,162 SqFt

Status Active

MLS # 6766013

Property Type Single Family Residence

Price Type --

Discover your private desert retreat! This elegant 4-bedroom, 2-bath home in Mesa offers a serene escape with a sparkling pool and pergola, ideal for both relaxation and entertaining. The bright, open floor plan boasts vaulted ceilings and natural light throughout. The chef's kitchen features granite countertops and a spacious island, while the luxurious owner's suite includes a custom double shower and soaking tub. Nestled in a peaceful neighborhood with no neighbors behind, you'll enjoy both privacy and convenience. Take advantage of nearby community amenities at Eastmark, known for its parks, paths, and vibrant social spaces. A 3-car garage and low-maintenance landscaping complete this beautifully maintained home.

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