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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31953 N 117th Avenue Peoria, AZ 85383

$599,990
3 Beds
2 Baths
1,921 SqFt
Status Active
MLS # 6755502
Property Type Single Family Residence
Price Type --
It's the beautiful Clover in the beautiful community of Mystic. 3 bedrooms + flex space to use as you wish. Multi slide door that leads out to the covered patio. Large walk-in shower at owner's bath with tile. Stainless steel gas appliance package with 36'' cooktop, wall oven, microwave, glass canopy hood. Barnett Maple Latte cabinets with 42'' kitchen uppers, pull out trash drawer. AZT Ripieno quartz countertops in kitchen and both baths. Mohawk REV wood laminate Casita court in all areas except beds/closets. Amenity Rich Mystic includes a Resort Style community pool, Rec center with year-round events, Hiking paths & community parks. The perfect location- close to shopping, restaurants, golf, Lake pleasant and the loop. PICTURES ARE FROM THE CLOVER MODEL HOME.

7617 W Smoketree Drive Peoria, AZ 85383

$599,990
3 Beds
2.5 Baths
1,953 SqFt
Status Active
MLS # 6751349
Property Type Single Family Residence
Price Type --
Brand new community in North Peoria! This stunning single story home offers 1,953 sq ft of functional living space. It features 3 bedrooms, 2.5 bathrooms, den, and a 2 car garage. The open concept kitchen is perfect for entertaining and features an Island, a walk-in pantry and stainless steel appliances. It also offers our Harmony Palette which includes gray painted 42'' cabinets, slate gray quartz kitchen countertops, 4x8 kitchen backsplash, and 6x24 wood looking plank tile in all the common areas. The great room offers a 4-panel center sliding glass door so you can step out into your covered patio to enjoy indoor/outdoor living in your backyard with friends and family. The primary suite has a spacious walk-in closet, double sinks, walk-in shower, and an additional linen closet for extra storage. This home also features a paver driveway, 8 foot interior doors, soft water loop and much more! Great location close to dining, freeways, parks, and entertainment!

5815 E Rose Garden Lane Phoenix, AZ 85054

$599,990
3 Beds
2.5 Baths
1,743 SqFt
Status Active
MLS # 6725520
Property Type Townhouse
Price Type --
IGNORE DAYS ON MARKET HOMES ARE ALMOST DONE PICTURES COMING SOON! ALL ABOARD!! NEXT STOP, THE HOME OF YOUR DREAMS!! You have just arrived at a beautiful 3 bedroom 2.5 bath home in heart of Desert Ridge. This trending home boasts quartz countertops, white cabinets, and wood-like tile!!! Washer, Dryer and Refrigerator are included! All this home needs is you! In the heart of Desert Ridge you are simply minutes from all kinds of joy. Desert Ridge Market place and High Street are right around the corner. Want to go out a little further? The 101 is only five minutes away waiting for your next adventure.

5831 E Rose Garden Lane Phoenix, AZ 85054

$599,990
3 Beds
2.5 Baths
1,743 SqFt
Status Active
MLS # 6725515
Property Type Townhouse
Price Type --
IGNORE DAYS ON MARKET HOMES ARE ALMOST DONE PICTURES COMING SOON! Like the beaches in Hawaii, this home will ruin all other homes for you with how gorgeous it is. With no neighbors behind and a North/South facing orientation you will be able to enjoy the beautiful sunrises and sunsets every day. But let's not forget about the interior! 3 bedrooms and 2.5 baths with a spacious loft upstairs makes this house a home!! Quartz countertops, white cabinets and wood-like flooring only add to its allure. This home is estimated to be completed in September so do not hesitate! Actual Home photos coming soon

14150 W Crabapple Drive Surprise, AZ 85387

$599,990
4 Beds
3 Baths
2,185 SqFt
Status Active Under Contract
MLS # 6742908
Property Type Single Family Residence
Price Type --
This is a GORGEOUS FORMER MODEL home! This home is OVERFLOWING with over $158K in DESIGNER upgrades including: tile/carpet, lights/fixtures + all window coverings! RV garage with AC! GOURMET kitchen w/gas range, quartz countertops, tiled backsplash, island w/sink, designer cabinets + stainless appliance suite! Great room w/sliding door for indoor/outdoor living! Formal dining room! PRIVATE owner's suite w/walk in shower, soaking tub + walk-in closet! STUNNING backyard OASIS w/built-built-in fire pit, pavers and extended covered porch! Great shopping/ restaurants nearby! WELCOME HOME!

20055 W Campbell Avenue Buckeye, AZ 85396

$599,990
4 Beds
3.5 Baths
2,608 SqFt
Status Active
MLS # 6776604
Property Type Single Family Residence
Price Type --
KITCHEN: Maple Painted White Cabinetry and 3 ½'' shaker crown, Gas GE Profile 36'' stainless steel Cooktop with wall oven, Quartz Countertops, Extended Island, Box-in for 36'' refrigerator. FLOORING: 7X48 Wood look and upgraded carpet & pad. INCLUDED OPTIONS: Spanish exterior, Pre-plumb for soft water loop and Corner sliding door

9807 W Cedar Drive Sun City, AZ 85351

$599,988
3 Beds
2 Baths
1,979 SqFt
Status Active Under Contract
MLS # 6747649
Property Type Single Family Residence
Price Type --
Professionally designed, professionally remodeled from the studs out, meticulously maintained, and lovingly lived in -on the inside this home is the next best thing to a new-build while on the outside it's a ''sleeper,'' retaining the timeless and unassuming charm of its established, original 55+ Sun City neighborhood. The owners had a vision to redesign this home as a vacation destination for their out-of-state family and friends. It was imagined and built to combine stunning visuals with both a casual and comfortable feel. It's practical for a retired couple of two, and equally as practical when all the kids (with all your grandkids) fly in. From 2016 through 2019, this home received the ultimate Cinderella make-over. Click on ''More'' for a sample of the exhaustive list of updates. New plumbing throughout; completely new electrical including recessed lighting and hard-wired smoke detectors to keep you safe; new drywall with rounded corners, high ceilings, and a beautiful Santa Fe texture that makes the walls look plastered; all one tile from the inside laundry room through the kitchen, closets and bathrooms to all three (or four) bedrooms; new bathrooms with uniquely designed, extra-large, travertine showers and chair-height toilets just to make life a little easier; new show-stopper expanded entertainer's kitchen with three ovens, a butler's pantry/laundry room with removable desk, and a 10 foot beverage center with built-in wine cooler, and a whopping 9-and-a-half foot by 5 foot quartz island and two quartz sinks; new dual-pane, Milgard windows; and a new roof with 38 panels of low $ leased solar on a contract that never goes up. Even the formal dining room has an added closet and removable built-in desk, so it can be used for a 4th bedroom, a den , or to sit the whole family for holiday meals. But wait, we still have the outdoor space: step through an over-sized sliding door from the kitchen, from the great room, or from the primary bedroom onto a vast (59'x14') covered patio large enough for five tables of eight, built-in cabinets, and a cornhole set up. There, your eye is immediately drawn to a stunning, propane heated, Pebble-tech pool with a salt system, an in-floor cleaning system, and a marble-topped, raised, and a huge 14-foot-long hot tub with spillway. This show-piece pool sits in an over-sized yard with 6-foot, stucco privacy wall, and it sits next to a gorgeous, granite-topped, 9 foot outdoor kitchen that includes a fridge and a 36 workstation sink with disposal. Finally, the two car garage also has room for up to two golf carts while an extra slab was poured next to the drive way to provide extra, off-street parking. If you're looking for a way to entice the kids to visit and/or a home professionally designed for entertaining, this home was built for you. You should come see.

14904 N 56th Drive Glendale, AZ 85306

$599,980
4 Beds
3 Baths
2,288 SqFt
Status Active
MLS # 6699889
Property Type Single Family Residence
Price Type --
4 Bedroom + Loft, 3 Baths, 2 Car Garage. KITCHEN: Benton Birch Natural cabinets, Quartz Denali countertops in kitchen, Gas GE Gourmet appliances, Tile backsplash. FLOORING: 6'' x 24'' Wood-look tile, upgraded carpet and pad., mission stair rail Surround sound in great room and loft. Washer dryer and refrigerator

4827 Raven Circle Happy Jack, AZ 86024

$599,950
3 Beds
2.5 Baths
2,760 SqFt
Status Active
MLS # 6674098
Property Type Single Family Residence
Price Type --
Beautiful log cabin located in Happy Jack, escape the heat and busyness of your life. This great home sits on an acre with pines, oaks and junipers, great 3/4 wrap covered composite deck. Main floor has beautiful hardwood floors, vaulted ceiling, great brick fireplace, master bedroom/bath, office/den or extra living area, great room and an amazing kitchen and dining area. Great wood plank stairs lead upstairs to 2 bedrooms, bath and a great cozy playroom for the kids. This custom home offers many upgrades on the kitchen cabinets, windows, wood beams and more. You will fall in love sitting inside looking at the great interior or sitting on the covered patio watching the wildlife and listening to the peacefulness of Happy Jack. Bring your buyers, motivated seller.

6708 E Juniper Avenue Scottsdale, AZ 85254

$599,950
2 Beds
2 Baths
1,428 SqFt
Status Active
MLS # 6720725
Property Type Single Family Residence
Price Type --
Great location! Newly remodeled home in desirable neighborhood , close to Kierland. Gas fireplace, new soaker tub ,walk-in shower, 2 car garage with new epoxy flooring Home is vacant, must see Key box Friday 6/21/2024

8141 W Harmony Lane Peoria, AZ 85382

$599,950
3 Beds
2 Baths
2,082 SqFt
Status Active Under Contract
MLS # 6733168
Property Type Single Family Residence
Price Type --
Discover this beautifully designed home in the coveted Fletcher Heights neighborhood, complete with a tenant in place through April 2025—making it a prime investment opportunity. The open floor plan, with elegant porcelain plank flooring and a calming color palette, is perfect for entertaining. The chef's kitchen features a custom 48-inch Pro Style Dual Fuel Range, granite countertops, a walk-in pantry, all-new appliances, and an oversized island with seating for six. The master retreat includes a private spa room with a 70-inch soaker tub, a stunning tile shower, and custom dual walk-in closets. French doors lead to a private patio and a newly resurfaced saltwater pool with a rock waterfall. Guests can enjoy two spacious bedrooms, or one can be converted into an executive office. The modern guest bath, stylish laundry room, and bonus living room complete the package. Located in a quiet, well-maintained neighborhood with low HOA fees and close to shopping and dining, this Fletcher Heights home is a must-see!

7027 N Scottsdale Road Unit 237 Paradise Valley, AZ 85253

$599,950
3 Beds
2 Baths
1,472 SqFt
Status Active
MLS # 6745409
Property Type Apartment
Price Type --
Location.. Location.. Location.! Situated in the Scottsdale Resort Corridor, this RARE 3-bedroom split floor plan, 2 bath, 2nd level, Gated Luxury Condo is all on one floor. Gently lived in as a second home it comes complete with your own secure detached 1 car Garage, Community Pool, Spa & Fitness Center. All high quality, newer furnishings are available on separate bill of sale. You can Move-Right-In as it's available Turn-Key if you desire! Located adjacent to the McCormick Ranch golf course you'll be walking distance to fine and casual dining at the Seville Shopping Center and merely minutes to the Heart of Scottsdale including the new Paradise Valley Ritz Carlton, Scottsdale Fashion Square, Old Town Scottsdale, Kierland, the Scottsdale Quarter, and Salt River Fields at Talking Stick. Other features and highlights include; Spacious 10-foot ceilings Granite kitchen counters Included full size washer and dryer laminate wood and tile flooring throughout HOA Fees cover - water, sewer, trash 2 of the three bedrooms offer Large Walk-in closets Controlled Gated Entry Grill Areas McCormick Ranch Walking and Bike Trail

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