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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2180 S Winchester Road Apache Junction, AZ 85119

$599,000

3 Beds

2 Baths

1,962 SqFt

Status Active

MLS # 6776558

Property Type Manufactured Home

Price Type --

One-of-a-kind 1.25-acre property with detached 70x26' 6+ car garage w/ 4 automatic garage doors. Plus, 31x40' covered 2 RV parking structure w/ 14' clearance & RV hookups, and additional 46x29' 4+ car covered parking area. Owned 14.22kW Solar system. The entire property is fenced by block and currently divided to have a large front and back yard, and the 1.25-acre lot leaves plenty of space for a horse set-up. Commercial-grade electronic gate separates the front and back detached garage, RV, and parking/utility areas. The home has 3 beds, 2 baths, and 1960 sqft. The interior features vaulted ceilings, new dual-pane windows, excellent mountain views, a remodeled Kitchen with high-end cabinetry, soft close pull-out drawers, large pantry cabinets, and a vast island.

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18387 W Brookwood Drive Goodyear, AZ 85338

$599,000

5 Beds

3 Baths

2,770 SqFt

Status Active

MLS # 6776393

Property Type Single Family Residence

Price Type --

Discover your private sanctuary in this nearly new 5-bedroom, 3-bath, 2,770 sq. ft. luxury home. Lightly lived in—just 6 months over the past 3 years—this home promises both exclusivity and tranquility with stunning mountain views and a peaceful setting away from the city's hustle. Experience the epitome of modern elegance in the gourmet kitchen, featuring granite countertops, sleek stainless steel appliances, and a spacious walk-in pantry. Every detail speaks of refined comfort, from the expansive living spaces to the serene bedrooms designed for ultimate relaxation. Picture yourself unwinding with breathtaking sunsets in this immaculate retreat where sophistication meets nature's beauty. Welcome to a lifestyle of serene luxury—welcome home!

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1315 E Gemini Drive Tempe, AZ 85283

$599,000

3 Beds

2 Baths

1,924 SqFt

Status Active

MLS # 6778194

Property Type Single Family Residence

Price Type --

Charming updated block home with a pool, no HOA and RV gate. Bright and open remodeled kitchen with white shaker cabinets, quartz countertops, breakfast bar, stainless steel appliances including a fridge. Luxury vinyl flooring throughout including the bedrooms. Real fireplace in the living room. The roof was replaced 3 years. HVAC replaced in 2018. Primary suite bathroom remodel with walk in shower, white vanity and quartz countertops. Entertainers backyard. Covered patio, Pebble Tec diving pool, pavers and a pergola for shade. RV Gate. Located in a desirable Tempe neighborhood with no HOA, this home is within walking distance to all three schools and conveniently close to freeways, shopping, and dining. North/South exposure

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1712 E Chelsea Lane Gilbert, AZ 85295

$599,000

3 Beds

2.5 Baths

2,166 SqFt

Status Active

MLS # 6781270

Property Type Townhouse

Price Type --

Welcome to a highly upgraded, detached 3 story townhouse-style home located at a beautiful, gated community Lakes at Annecy in Gilbert! This Maracay Home was built with Modern custom statement walls on each level and upgraded fixtures throughout the entire home along with an attached 2 car garage. Enter the lower level where you will find a large living space you can set up as a guest meeting area, home office or even a gym. Follow the custom oak open rail staircase up to your bright, open concept living space with an amazing gourmet kitchen. All bedrooms are on the third level, you will always have a quiet and calm environment when you rest. It is the seller's secondary home and has barely been used for less than 6 months. The entire house has top-tier builder upgrades over $65k, real hardwood flooring, Arabescato Como Quartz countertop, GE Gourmet Appliance etc., everything is like new. Perfect location, walking distance to shopping and school, less than 5 mins get on highway, top school district. If you are looking for a luxury, modern and easy-care home, this is a must see!

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5423 W Range Mule Drive Phoenix, AZ 85083

$599,000

3 Beds

2.5 Baths

2,175 SqFt

Status Active

MLS # 6781710

Property Type Single Family Residence

Price Type --

Rarely do you find a true premium view lot with mountain views in Stetson Valley. This 3-bedroom, 2.5-bath home features an open study/den/living room, with the master bedroom conveniently located on the main level. Enjoy a beautifully designed kitchen with 42'' cabinets, granite countertops, a large breakfast bar/island, and stainless steel appliances. Open floor plan, with custom stair railings, a built-in credenza on the upper landing, along with 12'' accent windows that fill the home with natural light. The curb appeal is fantastic, with lush mature landscaping, a sparkling pool, synthetic lawn, extended cool decking, multiple seating areas, with a true view fence overlooking the meticulously maintained greenbelt. Within walking distance of two trailheads for walking and biking.

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6321 S Teresa Drive Chandler, AZ 85249

$599,000

4 Beds

3 Baths

1,813 SqFt

Status Active

MLS # 6784569

Property Type Single Family Residence

Price Type --

This lovely 4-bedroom home features 1 bedroom & full bath downstairs + loft upstairs, new roof w/warranty 2019, newer AC, remodeled pool & pump 2024, therapeutic jacuzzi w/bluetooth, water heater 2022, brand new smart appliances (never used 2024 w/ThinQ Tech), new carpet 2024, new interior & exterior paint, new turf, new bathroom fixtures, hardware & blinds T/O & epoxied garage w/radiant barrier. This home has it all! Discover an inviting living room w/tons of natural light. The spotless kitchen comes w/tile counters, white cabinetry & breakfast bar. Upstairs, you'll find a large loft w/closet, ideal for a workspace or playroom. The cozy primary bedroom offers an ensuite w/double sinks & a huge walk-in closet. Enjoy your backyard oasis w/new covered patio, pool & spa. Don't miss this gem!

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27248 W Mohawk Lane Buckeye, AZ 85396

$599,000

2 Beds

2 Baths

1,612 SqFt

Status Active

MLS # 6785443

Property Type Single Family Residence

Price Type --

Popular Gala model on a premium oversized golf course lot overlooking tee boxes. Enjoy outdoor living on the covered patio that runs the full length of the house ($80k in upgrades). This home is move-in ready with NEW interior/exterior paint, tile floors in all but MBed closet, NEW Silestone quartz counters in kitchen/guest bath (2022), NEW kitchen sink and pop-up outlets/phone chargers for convenience (2022), newer HVAC w/ 10 year warranty, NEW gas oven (2024), NEW Washer (2024), Sola tubes, great room & patio wired for sound, tankless hot water system, water softener in garage & R/O at kitchen sink, security screen door, garage racks/sink/shelving, gas bib for BBQ, gas line to dryer, AND an owned Solar system for savings! Too many things to list here. Come see it in person.

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3291 N Clanton Street Buckeye, AZ 85396

$599,000

3 Beds

2.5 Baths

2,350 SqFt

Status Active

MLS # 6767149

Property Type Single Family Residence

Price Type --

Nestled in the heart of Verrado's Heritage District, this stunning home sits on a large corner lot, directly across from the picturesque Kings Green Park. With White Tank Mountain views, the location offers an idyllic mix of natural beauty and modern living. The first impression is nothing short of welcoming, thanks to the new exterior paint, manicured landscaping, and inviting full-length front porch. Inside, this meticulously maintained 3-bedroom, 2.5-bath home is designed with comfort and functionality in mind. The dining room flows effortlessly into open living spaces, creating the perfect setting for both entertaining and day-to-day relaxation. At the heart of the home is a spacious kitchen, outfitted with stainless steel appliances, granite countertops, and a walk-in pantry, ideal for both casual meals and larger gatherings. A standout feature is the enclosed home office the perfect retreat for focused work or creative projects. The additional bonus room adds even more versatility, whether used as a playroom, library, or hobby space. Year-round comfort is ensured with new insulation, two new AC units, and a climate-controlled garage, complete with a new mini-split system for extra workspace or simply keeping your vehicles cool. The 2-car garage is also upgraded with lots of cabinets, a new door and top of the line opener, offering both convenience and style. Out back, the expansive, newly landscaped backyard offers a private oasis, complete with artificial turf for easy maintenance and a dedicated dog run with turf for your furry friends. The home is powered by an impressive solar system that saves on energy costs while even providing credits during certain months an eco-friendly feature that adds tremendous value. Don't miss your chance to make it yours!

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3473 E Bruce Avenue Gilbert, AZ 85234

$599,000

4 Beds

3 Baths

2,127 SqFt

Status Active

MLS # 6786513

Property Type Single Family Residence

Price Type --

This beautiful home in the sought-after Gilbert community of Higley Groves, it offers a perfect blend of comfort and location. Set along a scenic, tree-lined street, it enjoys the added benefit of being across from the local school, making it an ideal choice for families. This home boasts several recent upgrades, including fresh interior paint throughout, new flooring in all bedrooms, and a brand-new master bathroom shower for a modern, luxurious feel. The kitchen features all-new appliances, providing a sleek and functional cooking space. Additionally, the AC unit is only two years old, ensuring efficient cooling for years to come.

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4596 W Loma Verde Avenue Eloy, AZ 85131

$599,000

2 Beds

2.5 Baths

1,910 SqFt

Status Active

MLS # 6723595

Property Type Single Family Residence

Price Type --

Situated behind the gates of the highly sought after Retirement Community Robson Ranch, This Home is waiting for you. Completed in Dec 2023, this Spanish Ranch leaves nothing to be desired. As you Enter the home you are greeted with a wide foyer and an office/den to the right. Just down the hall, you'll find a half bath perfect for guests, and the first of two En suites complete with upgraded white cabinetry, Beautiful shower with modern tile and a complementary mosaic tile stripe completes the overall aesthetic. As you step into to the open concept living and dining, you are greeted with natural light from every angle. The kitchen boasts upgraded white cabinetry, gorgeous quartz countertops, an oversized island, gorgeous pendants, stainless steel appliances, and a built in cocktail bar in the dining room. The Second En suite offers a walk in closet, double sinks, an oversized shower complete with the same tile, mosaic stripe, and white cabinetry giving a cohesive, well thought out design aesthetic not only to this space, but to the entire home. You'll also enjoy Electric blinds throughout the home adding that touch of Luxury. Out back you'll find an extended covered patio complete with pavers, a built in BBQ, a Hot Tub, and professional desert landscape and artificial turf giving you all the beauty while leaving you with minimal maintenance.

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13827 N 41st Place Phoenix, AZ 85032

$599,000

6 Beds

3 Baths

2,235 SqFt

Status Active Under Contract

MLS # 6759305

Property Type Single Family Residence

Price Type --

Rare 6 bedroom home in sought after North Phoenix neighborhood. Close to Desert Ridge, High Street and new Paradise Valley Mall Development. Large covered patio and cozy gazebo for entertaining. Freshly painted exterior and low maintenance desert landscaping. All furniture included.

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902 E Le Marche Avenue Phoenix, AZ 85022

$599,000

4 Beds

2 Baths

2,124 SqFt

Status Active Under Contract

MLS # 6765470

Property Type Single Family Residence

Price Type --

WELCOME to your beautiful 4 bed, 2 bath home with a pool and stunning mountain views, located in a desirable neighborhood with no HOA. This immaculate property features a renovated kitchen and bathrooms, with the additional playroom, perfect for families. The home is equipped with owned solar panels for energy efficiency. Conveniently located close to shopping, restaurants, and more. The perfect family home, offering comfort, space, and breathtaking views. Don't miss out on this move-in ready gem!

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