Forget Mortgage Apps: 5 Reasons Why You’ll Want to Use a Human Mortgage Broker

Forget Mortgage Apps: 5 Reasons Why You'll Want to Use a Human Mortgage BrokerA 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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19781 W Exeter Boulevard Litchfield Park, AZ 85340

$599,900
3 Beds
2.5 Baths
2,129 SqFt
Status Active
MLS # 6714581
Property Type Single Family Residence
Price Type --
PAID OFF SOLAR AT COE!!! When Minimalist meets Elegance, It Truly does not get better than this! Feast your eyes on this Toll Brothers Beauty located in the Famous Verrado Community! This home boasts 3 generous bedrooms, a spacious Den/Office enclosed by STUNNING $20,000 Custom Steel Partition doors and 2.5 Bathrooms! The great room is welcomed by tons of natural light, but can be darkened with beautiful White Blackout Shades! The Top of the Line Chef's Gourmet Package features KitchenAid Appliances with a Large Hood and In-Island Drawer Microwave! Pristine Hydro Water Filtration System and Soap Dispenser accompany the Kitchen Sink! Beautiful Mosaic Tile backsplash catches your eye immediately! Master Bedroom suite is very roomy with dual vanity, walk in shower and Large Walk in Closet. You have NEVER seen a yard like this! The Definition of ZEN. The Custom White Stuccoed Enclosed yard features a wide variety of fruits and veggies, no more grocery shopping for your produce! The self sufficient yard includes Fruit trees including 5 mango varieties, avocado, pomegranate, peaches, lemons, limes, oranges, grape vines, bananas, Jamaican cherries!! But it doesn't stop there! It also has 2 custom raised garden beds with automatic irrigation. Currently growing brandywine tomatoes, beans, cabbage, thyme, mint, rosemary, collards, zucchini, cucumber and Carrots! WOW! Both garages are fully epoxied, the 2 car garage has an Electric Car Charger and the Single Car Garage has a Split AC Unit as well as Spray Foam insulation to keep it cool to be used as an additional work space! The entire home is equipped with a Full Filtration system including a Water Carbon Filter and Water Softener System!

4055 N Smithsonian Drive Florence, AZ 85132

$599,900
2 Beds
2.5 Baths
2,385 SqFt
Status Active
MLS # 6765379
Property Type Single Family Residence
Price Type --
AMAZING LOT, AMAZING HOME! Enjoy the affordable luxury and RESORT STYLE LIVING with this remarkable ''Journey'' model. Located on a spectacular PREMIUM WASH LOT with an abundance of outdoor entertaining space that offers an extended paver patio, gas fire-pit, built-in BBQ, hot tub, pergola and BEAUTIFUL DESERT VIEWS. Every detail has been masterfully added for your consideration starting with the chefs kitchen cabinet layout w/granite counter tops, roll-out trays, soft close drawers, stainless appliances w/ newer Bosch dishwasher and fridge, RO system and water softener. Enjoy the butlers pantry w/beverage cooler, entertainment/media center, surround sound, custom closet in primary, gorgeous wood flooring, golf cart garage, A/C in garage w/additional outlets and a 4ft garage extension. You can't build this home on this LOT, with all these UPGRADES and OPTIONS at this PRICE. STUNNING HOME THAT NEEDS TO BE SEEN TO APPRECIATE! Merrill Ranch also offers the Anthem Grille, The Poston Butte Golf Club, a learning center and all the festivities, activities and amenities a Sun City community has to offer. Remember you are buying a lifestyle that goes beyond the homes property lines.

3625 W Buckhorn Trail Phoenix, AZ 85083

$599,900
3 Beds
2 Baths
1,881 SqFt
Status Active
MLS # 6763510
Property Type Single Family Residence
Price Type --
Hidden gem in north Phoenix! Come see this beautiful home in a secluded corner of Phoenix. This prime location in Riordan Ranch offers quiet & serenity in a low traffic area. The home itself boasts 1881 square feet of living space, with 3 bedrooms, 2 full baths + den! It also has a split 3 car garage, newly renovated kitchen & backyard. The backyard is a resort like oasis! Featuring travertine tile, extended patio & louvered pergola, built in outdoor kitchen with barbeque, & all new turf grass! The neighborhood is adjacent to the Phoenix Mountain preserve, allowing for walks, biking & hiking in the desert. Great location, near the Norterra shopping district, restaurants, entertainment, & less than 2 hours to the mountains of northern Arizona. Please see attached list of $100k+ in upgrades

16022 S 11th Place Phoenix, AZ 85048

$599,900
3 Beds
2.5 Baths
1,558 SqFt
Status Active
MLS # 6753651
Property Type Single Family Residence
Price Type --
Welcome to your dream home in Ahwatukee, where luxury meets tranquility! This beautifully updated residence boasts a complete renovation with modern finishes and meticulous attention to detail. Step inside to discover a fresh, contemporary vibe enhanced by brand new tile flooring and plush carpet throughout. The heart of the home, the kitchen, has been transformed with sleek modern shaker cabinets, elegant quartz countertops, and state-of-the-art stainless steel appliances, including a coveted wine fridge. Every detail, from the new electrical fixtures to the stylish new doors and paint, reflects quality craftsmanship and a commitment to comfort. The best part...the backyard opens directly onto a serene lake, offering breathtaking water views and a peaceful retreat at your doorstep. Additional updates include a brand-new roof, ensuring peace of mind and durability for years to come. Don't miss this rare opportunity to own a stunning, move-in-ready home with an unbeatable lakeside location.

5422 S Luiseno Boulevard Gilbert, AZ 85298

$599,900
4 Beds
2 Baths
2,108 SqFt
Status Active
MLS # 6758778
Property Type Single Family Residence
Price Type --
Check out this Beautiful Single Level Home Located in the Prestigious Community: The Bridges at Gilbert! This Great Room Floorplan Home Features 3 Bedrooms, 2 Baths, Den and 3 Car Garage. The Kitchen Includes an Island, Granite Countertops, Stainless Steel Appliances, 2 Built in Ovens, Gas Cook Top and Beautiful Raised Panel Cabinets with Crown Molding! Master Suite Includes a Spacious Bathroom with a Dual Vanity, Separate Shower/Tub and Large Walkin Closet! Step into the Backyard with New Artificial Grass and Large Covered Patio, Perfect for Entertaining or Enjoying as a Family! Do Not Miss Out!!

3010 E County Down Drive Chandler, AZ 85249

$599,900
3 Beds
2 Baths
2,185 SqFt
Status Active
MLS # 6783660
Property Type Single Family Residence
Price Type --
Welcome home to this 3 bedroom plus office, 2 bath, 3 car garage beauty in the coveted 55+ Solera at Lone Tree Golf Course Community. Enjoy the privacy of being at the end of the street, with the north/south facing maintenance free yard. Step inside to 10 ft ceilings, fresh paint, plantation shutters, new carpet, & upgraded light fixtures, making it move in ready. The great room is open to the kitchen that features an island for entertaining & dining area. Bonus: all appliances stay. Large primary bedroom offers a sitting area, while its bathroom has dual sinks, jetted tub, walk in shower & oversized walk in closet. The split floorplan offers ample size secondary bedrooms. Plenty of closet storage throughout. This home checks all the boxes.

2190 N Iowa Street Chandler, AZ 85225

$599,900 - 3Br/3Ba -  for Sale in Arbor Square, Chandler
Open House
$599,900
3 Beds
2.5 Baths
2,068 SqFt
Status Active
MLS # 6775542
Property Type Single Family Residence
Price Type --
Brand New Home Alert! Welcome to Arbor Square, where luxury and convenience meet in the heart of Downtown Chandler. Nestled within walking distance to the vibrant Downtown Chandler Entertainment District, our community provides the perfect balance of urban living and peaceful escape. Each home at Arbor Square boasts top-of-the-line amenities, designed with your comfort and convenience in mind. From elegant quartz countertops to luxury vinyl plank flooring, every detail has been carefully selected to provide you with a high-end yet modern living experience. Our homes also feature pre-wiring for EV chargers, making it easy for you to stay connected and eco-friendly. Our community is designed to give you all the perks of luxurious living without the hassle of upkeep. Experience the best of urban living in a peaceful and modern setting at Arbor Square. Come find your perfect home today! *HOA Fees are an estimate today, the builder has a conditional public report. Photos are of the builder's model of a similar floor plan, actual home is under construction. Contact listing the agent for additional incentives. Agents Must accompany their clients upon their first visit.

20613 W Hazelwood Avenue Buckeye, AZ 85396

$599,900 - 3Br/3Ba -  for Sale in Verrado Victory District Phase 1, Buckeye
Open House
$599,900
3 Beds
2.5 Baths
2,170 SqFt
Status Active
MLS # 6768357
Property Type Single Family Residence
Price Type --
Nestled along tree-lined streets of Phase One in Victory at Verrado is this lovely Crest Plan by Lennar with OWNED SOLAR! Imagine having a cup of coffee as you take in the relaxing view of Hazelwood Park from the front Porch. Inside you will discover a den/bedroom #3 with Murphy bed, a convenient half bath, spacious secondary office (option by builder) w/barn door, secluded bedroom #2, and a full bathroom #2. The generous owner's suite has a large bedroom, and the bathroom features double vanity sinks, a no-step tiled shower, and a custom closet for all your storage needs. The heart of the home, the kitchen, is a chef's dream with its oversized island—ideal for entertaining—enhanced by striking cabinetry, elegant countertops, and a stylish backsplash. Recent updates include a GE refrigerator, Bosch dishwasher, washer, dryer, and security system. The great room seamlessly connects indoor and outdoor living with a center-pull four-panel sliding glass door. Step outside to the expansive travertine patio, where you can unwind in the jacuzzi or savor breathtaking mountain views around the fire pit, complete with a 70-foot gas line for easy access. The covered patio, featuring a retractable awning, provides a perfect retreat from the sun. The garage is equally impressive, equipped with an epoxy floor coated with granite chips, built-in cabinets, and hanging racks for all your organizational needs, along with a LiftMaster belt drive, Wi-Fi garage door opener. Additional updates include Norman plantation shutters on all windows and center-open sliders, a master closet upgrade, and a Murphy bed frame with queen size mattress and cabinet for versatility. Other notable enhancements include the replacement of bathroom counters and sinks, four Pfister bathroom faucets, an upgraded HVAC with new damper units and a new inverter for the solar system, and comprehensive grout sealing throughout the house. Fresh paint adorns the front hallway, kitchen, and living room walls and ceiling, while a decorative cornice adds charm to the patio door. Beyond your doorstep, the Victory at Verrado community offers an impressive array of amenities, including a 7,000 sq. ft. fitness center, golf course, pickleball courts, four pools, bocce ball courts, arts & crafts, a media room, lending library, delightful dining options, shopping, a rejuvenating day spa, and even a vineyard! Experience a lifestyle of leisure and luxury in this remarkable home!

13567 N 142nd Avenue Surprise, AZ 85379

$599,900 - 5Br/3Ba -  for Sale in Homestead At Marley Park, Surprise
Open House
$599,900
5 Beds
3 Baths
2,859 SqFt
Status Active
MLS # 6779114
Property Type Single Family Residence
Price Type --
''ELEGANT & METICULOUS'' HIGHLY UPGRADED LIGHTLY LIVED IN NEWER HOME IN HOMESTEAD AT MARLEY PARK!'' *GOURMET CHEF'S KITCHEN ''HUGE'' GRANITE ISLAND BAR, STAINLESS APPLIANCES & TURBO GAS RANGE *A FULL BEDROOM & BATH DOWNSTAIRS PERFECT FOR GUEST SUITE OR OFFICE/DEN! *NEWLY INSTALLED FAUX WOOD FLOORS IN LOWER LEVEL! *HUGE BONUS/GAME ROOM W/SPLIT 5 BEDROOM FLEX FLOOR PLAN! *GET ENERGIZED IN YOUR ONE & ONLY PRIVATE SPARKLING 'HEART SHAPED' SWIMMING POOL & WATER FEATURE! *LOW MAINTENANCE BACKYARD W/FAUX GRASS & PAVERS! 3 CAR GARAGE *YOUR FAMILY WILL 'LOVE' & ENJOY STATE OF THE ART COMMUNITY POOL & FITNESS CENTER* SPLASH PARK *BBQ PICNIC AREA & GAME ROOM* THIS LOVELY HOME & COMMUNITY HAS IT ALL!* DON'T MISS THIS GEM! *1 OWNER! *CLOSE TO TOWN CENTER SHOPPING AREA ELEMENTARY SCHOOL ON PREMISES!*

4005 N Park Street Buckeye, AZ 85396

$599,900 - 3Br/2Ba -  for Sale in Verrado Parcel 4.608, Buckeye
Open House
$599,900
3 Beds
2 Baths
1,934 SqFt
Status Active
MLS # 6762436
Property Type Single Family Residence
Price Type --
Stunning ranch-style home in Verrado Main Street District! LOCATED across from Founders Park, this home offers White Tank Mountain VIEWS, FULLY PAID-OFF SOLAR, and a pebble sheen SWIMMING POOL. Great curb appeal with stone accents, mature landscaping, and a cozy front porch. The open layout features tile floors, plantation shutters, and a spacious den. The kitchen boasts white shaker cabinets, granite countertops, and a breakfast bar. The garage is heated/air-conditioned with a Mitsubishi mini-split, fully insulated, and has lifetime flooring. Upgraded windows, a new 50-gallon hot water tank, and a backyard perfect for entertaining with seating areas and a fire pit complete this rare find!

108 W Villa Rita Drive Phoenix, AZ 85023

$599,890
5 Beds
3.5 Baths
2,336 SqFt
Status Active
MLS # 6753499
Property Type Single Family Residence
Price Type --
Come see this FURNISHED 5 bedroom, 3.5 bath REMODELED home located in a quiet North Phoenix neighborhood . This home is nearly 2400 sq ft and features 2 Master Bedrooms both with ensuite bathrooms, perfect for a large family, multi-generational families or an Airbnb. No HOA. The home is currently a successful Airbnb with amazing reviews. Beautiful pool in the backyard features a built in table. The garage is oversized for additional storage or a home gym. Home is centrally located just min away from the 101 Freeway for an easy commute.

10633 S 44th Street Phoenix, AZ 85044

$599,800
4 Beds
2 Baths
1,849 SqFt
Status Active
MLS # 6738373
Property Type Single Family Residence
Price Type --
Welcome to your dream home in the highly desirable neighborhood of Ahwatukee. This stunning, modernized residence offers a spacious great room floor plan, perfect for both entertaining and comfortable living. With numerous recent upgrades, this home is move-in ready and boasts high-end finishes throughout. Step inside to find luxurious vinyl tile flooring that is not only stylish but also waterproof and scratch-proof, providing worry-free living for families and pet owners alike. The expanded and remodeled kitchen is a chef's delight, featuring custom white cabinetry, sparkling black quartz countertops, and top-of-the-line stainless steel appliances. Enjoy the abundance of natural light that fills the home, thanks to gorgeous Anderson High Performance windows and a sleek sliding glass

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