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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220 N Nielson Street Gilbert, AZ 85234

$600,000

5 Beds

3 Baths

2,357 SqFt

Status Active

MLS # 6751130

Property Type Single Family Residence

Price Type --

Step into this inviting home, where the journey begins in the bright and airy living room, bathed in natural light streaming through the sliding door. The heart of the home is the beautifully designed kitchen, where stunning walnut cabinets, sleek stainless-steel appliances, and a versatile movable island create the perfect space for cooking and entertaining. As you explore further, you'll find the floors are a tasteful mix of travertine tile, engineered hardwood, and other quality materials, all contributing to the home's elegance. Descending four steps, you'll discover two additional bedrooms, a den or potential theater room, and a full bath—ideal for guests or a private retreat. Ascend to the second story to find two more bedrooms sharing a full bath, along with the tranquil master suite, complete with its own bath for ultimate relaxation. Stepping outside, the property continues to impress with a sparkling pool, an outdoor barbecue area, and an upgraded AC unit installed in 2020, ensuring year-round comfort. The garage offers convenience with a new door and opener, while significant updates like roof plywood replacement, enhanced insulation, and a newly dual-pane windows throughout the home ensure energy efficiency and comfort. Every corner of this home blends modern updates with thoughtful design, creating a perfect balance of style and comfort. PLEASE ADD TO THE CONTRACT: ITEMS THAT DO NOT CONVEY: Outdoor Security Cameras, refrigerator in the garage.

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7007 W Escuda Drive Glendale, AZ 85308

$600,000

5 Beds

3 Baths

2,573 SqFt

Status Active

MLS # 6769914

Property Type Single Family Residence

Price Type --

* NEW ROOF * NEWLY REMODELED BATHROOMS * NEW INTERIOR PAINT * HUGE LOT W/ RV GATE * RECENTLY UPDATED KITCHEN * Welcome home to your Arrowhead Lakes paradise with a massive backyard and sparking blue pool! Space is no shortage in the expansive living areas and 5 spacious bedrooms! This turn key house is ready for your personal touch as brand new neutral paint shows off in the ample amount of natural lighting throughout! Modern touches have been added in the bathroom remodels and lighting! If outdoor entertainment is a big part of your lifestyle, you will adore the lush green landscape that covers the sprawling backyard! Large shade trees help with keeping your home energy efficient while you cool down in your pool!!! Don't forget to check out the parks and golf courses that make Arrowhead lakes one of the most desirable communities in the valley!

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25025 S Desert Trail Court Sun Lakes, AZ 85248

New

$600,000

2 Beds

3 Baths

2,028 SqFt

Status Active

MLS # 6777486

Property Type Single Family Residence

Price Type --

Seize the opportunity to own this coveted corner lot property nestled on a tranquil cul-de-sac! Great curb appeal with a well-maintained front yard, a 3-car garage, and an inviting courtyard. Discover sizable living areas featuring vaulted ceilings, a designer's palette, plantation shutters, tile/wood-style flooring, and a cozy fireplace. The kitchen is equipped with ample counter space, lovely wood cabinetry with crown molding, recessed lighting, stainless steel appliances, and a center island. The primary bedroom boasts a double-door entry, a private bathroom, and a walk-in closet for added comfort. Enjoy afternoon relaxation under the covered patio in the tranquil backyard! Excellent location! Close to golf courses, schools, shopping spots, etc. What's not to like? This gem is the one!

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15244 N 7th Place Phoenix, AZ 85022

$600,000

4 Beds

2 Baths

1,932 SqFt

Status Active

MLS # 6755157

Property Type Single Family Residence

Price Type --

Retro Beauty with Mountain View! Step into this charming 4-bedroom, 2-bathroom home, nestled on a spacious cul-de-sac with a large backyard, shed, and expansive covered patio for ultimate privacy. Enjoy stunning mountain views while relaxing in this serene setting. Inside, you'll find a cozy fireplace, formal living and dining rooms, and timeless old-world charm throughout. The master bathroom features a luxurious Steammist steam bath, transforming your daily routine into a personal spa experience. Located in a prime location, just a short distance from downtown, this home offers both convenience and character. A must-see for anyone seeking a blend of retro style, comfort, and modern luxury!

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5940 S Cobalt -- Mesa, AZ 85212

$600,000

4 Beds

3 Baths

2,373 SqFt

Status Active

MLS # 6754737

Property Type Single Family Residence

Price Type --

Offered for sale is this beautiful and well maintain 4 bedroom 3 bath home in Cadence. This home features 10 foot ceilings, and large living areas, gas plumbed for backyard BBQ, Tankless water heater, RO water goes to the fridge, carpet in the bedrooms and LVP in high traffic areas. Amazing Cadence community has many nice amenities including pool, club house and fitness center. Clear view of sunsets in the winter. This home is close to Arizona Athletic Grounds, grocery stores, gyms and freeway access.

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3706 E Desert Flower Lane Phoenix, AZ 85044

$600,000

4 Beds

2 Baths

2,120 SqFt

Status Active Under Contract

MLS # 6762964

Property Type Single Family Residence

Price Type --

Welcome to your beautiful home in desirable Mountain Park Ranch! Walk into a large living / dining room with vaulted ceilings and plenty of natural light. Proceed into the kitchen opening into the great room which opens into an inviting back patio with turf back yard. There are updated windows and shutters throughout the home. The primary suite expands with a large walk-in closet and full bathroom. Down the hallway are the other bedrooms which, from the primary suite, gives you the feel of a split-floorplan. This wonderful house provides both the open concept great room feel coupled with areas for everyone all with new windows and shutters. This house checks so many boxes you need to see it to believe it - schedule your showing today! Make sure you look at the list of improvements on this property - pride of ownership! From major system updates (Trane HVAC!) to new carpet, there have been many repairs already completed!

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3002 E Pinchot Avenue Phoenix, AZ 85016

$600,000

4 Beds

2 Baths

1,676 SqFt

Status Active

MLS # 6761490

Property Type Single Family Residence

Price Type --

CORNER LOT 4 BEDROOM POOL NO HOA NEW roof (2024), HVAC (2023), Bosch refrigerator (2024). This beautifully updated Phoenix single-story home sits in a prime location near Arcadia and Biltmore. The front yard features real grass and mature trees, while the spacious backyard includes a pool, covered patio, and artificial turf, all completed in 2018. Step inside to find a split floor plan with modern updates throughout. Enjoy the convenience of no HOA and an unbeatable location near some of Phoenix's best amenities and easy access to the airport.

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71 Lake Patagonia Road Nogales, AZ 85621

$600,000

4 Beds

3.5 Baths

2,962 SqFt

Status Active

MLS # 6759683

Property Type Single Family Residence

Price Type --

Welcome to Patagonia Lake Subdivision. Enjoy the luxury lifestyle afforded with this 4 bed 3.5 bath residence nestled on a 4.4 acre lot with panoramic views. The soaring ceilings create a feeling of great space and security. This residence will make a great winter residence or a terrific year around home. Well maintained, this concrete block/stucco home boasts 6'' thick walls, Anderson Windows, R27 walls & R50 ceilings for comfort and energy efficiency in every season. 8' solid mahogany doors add a touch of elegance. Other features include, granite counters, bonus room (5th bedroom?), walk in closets, jetted bathtub, solar heated swimming pool, covered patio, private well, 2 car garage and fenced back yard. Seize this opportunity to call this masterpiece home

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16585 W Harrison Street Goodyear, AZ 85338

$600,000

5 Beds

3.5 Baths

2,764 SqFt

Status Active

MLS # 6764224

Property Type Single Family Residence

Price Type --

Incredible remodel, sellers put in over $100K in upgrades. Open and bright concept creates an inviting atmosphere, perfect for family and friends. The chef's kitchen is a true masterpiece, featuring new soft-close cabinets, quartz countertops, a stunning island, and top-of-the-line digital appliances backed by a 2-year warranty. With new recessed lighting illuminating every corner, culinary delights await. Throughout the entire home, new flooring adds a touch of luxury and comfort. The spacious master bedroom and oversized secondary bedrooms offer ample space for relaxation, walk-in closets and bathrooms adorned with rain showerheads and custom glass doors. 2 large living rooms. Heated pool and more

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9514 E San Carlos Way Globe, AZ 85501

$600,000

4 Beds

4 Baths

2,689 SqFt

Status Active

MLS # 6764529

Property Type Single Family Residence

Price Type --

Charming Country Home Coming Soon Discover your dream retreat in this beautiful 4-bedroom, 2 full 2 half-bathroom country home, boasting an expansive 2,689 sq. ft. of living space on a serene 1.43-acre lot. Enjoy the beauty of nature with multiple fruit trees and a convenient watering system. Relax and unwind as you take in the stunning views of Apache Peak from your own backyard. This property also features a detached garage, providing ample storage and workspace. Don't miss the opportunity to own this perfect blend of comfort and tranquility!

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2730 W Via Calabria Street Phoenix, AZ 85086

$600,000

3 Beds

2 Baths

2,282 SqFt

Status Active

MLS # 6766212

Property Type Single Family Residence

Price Type --

Welcome to this single story, open concept,great room plus flex room home. This 3 bed, 2bath home offers a light and bright living space with ample outdoor area for relaxing, entertaining or playing. Turf makes backyard look fresh and keeps maintenance easy. Use the flex room as a home office, play room, workout room or craft/art studio. This home is a neutral canvas waiting for your personal design. Kitchen, updated in 2021, has quartz countertops, an island with farmer sink, breakfast nook and gas stove. Primary bedroom has dual sinks, garden tub and stand-alone shower. Fully enclosed Arizona room has security door to backyard. Pavers under the pergola provide ample sitting area. Roof underlayment replaced 2024 and has transferable 10 year workmanship warranty. AC partially updated 2020 Child play eqpt will stay or seller will remove. Community features 2 pools, basketball court, tennis courts, sand volleyball and 2 playgrounds. Enjoy miles of multi-use pathways and trails to enjoy Valley and mountain views. Close to shopping and I-17. Welcome to Home Sweet Home!

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951 N 165th Avenue Goodyear, AZ 85338

$600,000

4 Beds

3 Baths

3,106 SqFt

Status Active

MLS # 6766084

Property Type Single Family Residence

Price Type --

Welcome to this ideally located home, nestled next to expansive open space with no neighbors behind or to the side. Enjoy spacious living areas, including a kitchen and family room that offer stunning views of the backyard oasis. The oversized custom pool features a rock waterfall and slide, with ample space for lounging and entertaining. The outdoor area also boasts a built-in BBQ island, a covered patio, and wide side yards. Inside, there's a downstairs den with a full bathroom, while upstairs you'll find three bedrooms and a generously sized primary suite. The three-car garage comes complete with built-in cabinetry, and the home is equipped with OWNED SOLAR!

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