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.

Click Here to See What Your Home is Worth

Listing types.

For Sale

For Rent

Land

Multifamily

Commercial

Location Search Nearby

BedsAny1+2+3+4+5+6+

BathsAny1+2+3+4+5+6+

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Property TypeAnyApartmentManufactured HomeSingle Family ResidenceTownhouseTwin Home

School District

Address, MLS# or Keyword

Home SizeAny600 ft2800 ft21,000 ft21,200 ft21,400 ft21,600 ft21,800 ft22,000 ft22,200 ft22,400 ft22,600 ft22,800 ft23,000 ft23,500 ft24,000 ft24,500 ft25,000 ft25,500 ft26,000 ft2

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Distressed

Open House

Location Search Nearby

BedsAny1+2+3+4+5+6+

BathsAny1+2+3+4+5+6+

Price MinAny$500$600$700$800$900$1,000$1,100$1,200$1,300$1,500$1,600$1,700$1,800$1,900$2,000$2,250$2,500$2,750$3,000$3,250$3,500$3,750$4,000$4,500$5,000$5,500$6,000$6,500$7,000$7,500$8,000$8,500$9,000$9,500$10,000

Price MaxAny$500$600$700$800$900$1,000$1,100$1,200$1,300$1,500$1,600$1,700$1,800$1,900$2,000$2,250$2,500$2,750$3,000$3,250$3,500$3,750$4,000$4,500$5,000$5,500$6,000$6,500$7,000$7,500$8,000$8,500$9,000$9,500$10,000

Advanced Options

Property TypeAnyApartmentManufactured HomeSingle Family ResidenceTownhouseTwin Home

School District

Address, MLS# or Keyword

Home SizeAny600 ft2800 ft21,000 ft21,200 ft21,400 ft21,600 ft21,800 ft22,000 ft22,200 ft22,400 ft22,600 ft22,800 ft23,000 ft23,500 ft24,000 ft24,500 ft25,000 ft25,500 ft26,000 ft2

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Location Search Nearby

Lot SizeAny1+ Acres2+ Acres3+ Acres4+ Acres5+ Acres6+ Acres7+ Acres8+ Acres9+ Acres10+ Acres20+ Acres30+ Acres40+ Acres50+ Acres

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Neighborhood

Address, MLS# or Keyword

Location Search Nearby

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

School District

Address, MLS# or Keyword

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Location Search Nearby

Lot SizeAny1+ Acres2+ Acres3+ Acres4+ Acres5+ Acres6+ Acres7+ Acres8+ Acres9+ Acres10+ Acres20+ Acres30+ Acres40+ Acres50+ Acres

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Address, MLS# or Keyword

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

View As: Thumbnails List

Sort by: Select Price, Low to High Price, High to Low Newer Listings First Older Listings First Open House Date

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.

View Property

22450 E Duncan Street Queen Creek, AZ 85142

$599,000

4 Beds

2 Baths

2,588 SqFt

Status Active

MLS # 6734137

Property Type Single Family Residence

Price Type --

Experience the perfect blend of comfort, style, and convenience in your new home where your next chapter begins! This stunning residence offers over 2,550 sq ft of luxurious living space. The heart of this home is the contemporary kitchen, boasting an extended granite countertop and island, providing ample space for cooking and entertaining. Storage is plentiful, ensuring that everything you need is within easy reach. Experience seamless indoor-outdoor living with the impressive 3-panel sliding glass doors, allowing you to entertain. The thoughtfully designed community area is perfect for social gatherings and creating lasting memories.

View Property

26065 N 68th Lane Peoria, AZ 85383

$599,000

3 Beds

2 Baths

2,352 SqFt

Status Active

MLS # 6742941

Property Type Single Family Residence

Price Type --

Welcome to this pristine, single-level 3-bedroom, 2-bathroom home with a large office/study/den, located in the highly sought-after Terramar community. Lovingly maintained by its original owners—a retired couple who were ''Snowbirds''—this home is in immaculate condition. It has never been smoked in, and no pets have ever resided here. This home features a spacious, open-concept design with a separate large open space for both a formal living and dining room, as well as a versatile office/study/den with double doors that easily flows into the space. The gourmet kitchen is equipped with matching white appliances, ample cabinet space, a large pantry, and a center island with a breakfast bar. The family room provides seamless access to the backyard, where you'll find an extended covered patio perfect for relaxing or entertaining. The oversized primary suite is filled with natural light and offers a large additional sitting space. The ensuite bathroom includes dual sinks, a deep soaking tub, a glass-enclosed walk-in shower, a private toilet, and a large walk-in closet. Two generously sized secondary bedrooms, one with private access to the full guest bathroom featuring a Jack and Jill design with dual vanities and a shower/tub combo, complete the living spaces. A large laundry room with plenty of cabinet storage includes a full size washer and dryer and is located near the oversized two car garage. The exterior is designed for low maintenance. With no facing neighbors across the street, the home enjoys a serene and private setting. Positioned on a quiet, low-traffic street, this home is perfect for those seeking a well-maintained, move-in-ready property. Located in the desirable Terramar community, the home is close to a playground, park, and nearby walking and biking trails. It is also situated within the best school district in the area and conveniently close to popular restaurants, shopping, and easy access to I-17 for commuting. Don't miss out on this fantastic opportunity to make this beautiful house your new home!

View Property

6630 W Pine Cone Trail Pine, AZ 85544

$599,000

3 Beds

3 Baths

2,127 SqFt

Status Active

MLS # 6736696

Property Type Single Family Residence

Price Type --

This beautiful house features 3Br plus game room, 2.5BA, spanning 2,127 sqft all single level on spacious lot. The oversized 2 car garage offers ample space for vehicles and storage. Room for RV on side of house. Inside, great room boasts a wood cathedral ceiling and vinyl plank flooring throughout the open plan great room. The gas fireplace, faced with stone, adds a cozy touch. The kitchen is open to teh great room and features an island and a double oven, pantry, making it perfect for cooking and entertaining. Large primary bedroom includes a walk-in closet. Generous game room or family room features its own fireplace and a minisplit system for temperature control. The wonderful backyard, perfect for entertaining, is fenced and landscaped with faux grass. House Generator!

View Property

954 N Golden Key Street Gilbert, AZ 85233

$599,000

5 Beds

2.5 Baths

2,239 SqFt

Status Active

MLS # 6738931

Property Type Single Family Residence

Price Type --

Owner Agent. Close to Downtown Gilbert! Roof, HVAC, and Pool pump replaced in 2023. Owned solar FULLY PAID OFF, 5 bedroom 2.5 bath home with a loft and a pool. Gas fireplace and hardwood floors in the main living areas. Built in fireplace in backyard has a gas line to it so you never have to use a propane tank. The community has lots of parks nearby and great shopping. Culinary Dropout, Ohso, Joyride, MexiQ, Unos Tacos, Prep and Pastry, all less than a mile away! Also Trader Joes, Sprouts, Sams Club, Frys, Walmart, Target all in the same area! One of the best locations you can live in. Buyer and buyers agent to verify all facts and figures.

View Property

4628 N Desert Stream Way Litchfield Park, AZ 85340

$599,000

3 Beds

2.5 Baths

2,513 SqFt

Status Active Under Contract

MLS # 6701011

Property Type Single Family Residence

Price Type --

Corner view lot with only one immediate neighbor! Property backs to pond with tranquil water and sunset views! 3 Bedrooms + Huge Loft, 2.5 baths, Great Room with dramatic ceiling. Roof redone 2016, 2 New Trane HVAC's 2019, 2 1/2Car Garage updated Nov 2022 with side mount garage door openers, epoxy floor, garage cabinets, 5 overhead storage racks, lighting, wired for EV charging & tankless hot water heater. Neutral tile, carpet and paint. Primary spacious bedroom features vaulted ceilings, window seat and separate door to back patio & lush backyard. Kitchen with backyard/pond views has granite counters, professional appliances, trash compactor and pantry. Private balcony for stunning views! Loft is versatile for office/play room/game room. Front entry with extensive paver patio and steps. Nearby: Wigwam Resort and Country Club featuring 3 renowned golf courses offering 54 holes of championship-level play, tennis, spa, & 3 on site restaurants. From the Litchfield Greens community there are 2 tunnels connecting to Litchfield Park Proper, featuring 4 Parks,1 Lake, miles and miles of walk ways friendly for walking and cycling. Residents enjoy a high quality of life, with access to parks, libraries, and award-winning schools. The city's vibrant community life is reflected in major events like the Litchfield Park Festival of the Arts and Christmas in the Park. Upcoming New Litchfield Square Development~At the heart of Litchfield Park is the Litchfield Square projecta 26-acre mixed-use urban hub that will serve as new downtown. Designed with a walkable, community-oriented layout.

View Property

17218 N Melissa Lane Surprise, AZ 85374

$599,000

4 Beds

2 Baths

2,313 SqFt

Status Active

MLS # 6740344

Property Type Single Family Residence

Price Type --

Beautiful home in Kingswood Park Surprise! Excellent curb appeal, an inviting porch, a low-maintenance landscape, and a 2-car garage is everything you've been looking for. The stunning backyard is a true Oasis with its blue pool & spa. Brand NEW pool equipment was installed in 2023. The delightful interior boasts vaulted ceilings, plantation shutters, freshly painted walls (2024), new door hardware (2024), and herringbone pattern tile flooring. The spacious living areas are perfect for entertaining. The fabulous kitchen showcases updated white cabinetry (2024), sleek granite counters, stylish tile backsplash, SS appliances, an island w/a breakfast bar, and a large walk-in pantry. The family room features a new, built-in entertainment center with an 86'' LG TV! Double doors open to a generous-sized owner's suite with backyard access, an ensuite with dual sinks, beautiful remodeled shower & a walk-in closet. What's not to like? Act now!

View Property

1180 E Marlin Drive Chandler, AZ 85286

$599,000

3 Beds

3.5 Baths

2,239 SqFt

Status Active

MLS # 6743951

Property Type Single Family Residence

Price Type --

This residence, built in 2020 in Chandler, exemplifies modern living with a smart design tailored to contemporary lifestyles. The Great Room seamlessly connects to the dining area and an upscale kitchen, making it perfect for stylish entertaining. Additionally, a covered patio offers a delightful space for outdoor living. Upstairs, a spacious loft awaits your family's needs, whether it be a media room or a study area for the kids. The home also features two secondary bedrooms with convenient access to a shared bathroom. The luxurious owner's suite includes a spa-inspired bathroom, providing a touch of sophistication. Recent upgrades include garage storage and vinyl flooring throughout the home. The property is equipped with an 8.5KW solar system.

View Property

10051 E Pampa Avenue Mesa, AZ 85212

$599,000

4 Beds

2 Baths

2,458 SqFt

Status Active

MLS # 6747970

Property Type Single Family Residence

Price Type --

AMAZING PRICE FOR YOUR NEW DREAM HOME! 3 walk-in closets! Immaculate single-level 4-bedroom, 2-bath home with an open floor plan and split bedroom design. The spacious living areas feature vaulted ceilings and neutral colors, with new carpet in the family room for added comfort. The eat-in kitchen, complete with a breakfast bar, flows seamlessly into the living room, creating an inviting space for gatherings. Relax in your primary suite, complete with an updated ensuite bathroom and a large walk-in closet. The additional three bedrooms are generously sized, 2 with walk-in closets, providing ample space for family, guests, or a home office. Step outside to your backyard oasis, featuring a sparkling heated pool, a large covered patio area—perfect for entertaining and relaxation. Close freeway access and shopping.

View Property

1326 N Central Avenue Unit 413 Phoenix, AZ 85004

$599,000

2 Beds

2 Baths

1,491 SqFt

Status Active

MLS # 6756296

Property Type Apartment

Price Type --

Prepare to be blown away as you step inside this incredible, multi-level loft that encompasses a chic modern/industrial charm around every corner. Polished concrete floors, open-concept living, soaring ceilings and a bold black metal staircase are just a few of the standout features in this property. The living area includes a built-in Sonos system as well as a beautiful custom art piece that truly accentuates the space. The European style kitchen has Gaggenau stainless steel appliances (with a built-in grill) and sleek red cabinetry. The adjacent dining area, with its modern lighting from Crate and Barrel, offers expansive west-facing views—perfect for watching breathtaking sunsets. Just steps from the primary bedroom, you can find a private rooftop balcony with panoramic views of the city. Plenty of room to entertain or cozy up and watch the sun go down. This urban oasis is a rare find, offering unique design, modern finishes, and unforgettable sunsets.

View Property

1941 E Ellis Drive Tempe, AZ 85282

$599,000

4 Beds

2 Baths

2,456 SqFt

Status Active

MLS # 6753630

Property Type Single Family Residence

Price Type --

Welcome to your dream home! This beautifully updated property features 4 spacious bedrooms and 2 modern bathrooms, offering a perfect blend of style and comfort. Key Features: New Kitchen: Enjoy cooking in a sleek kitchen with soft-closing white shaker cabinets, elegant quartz countertops, and a chic white backsplash. Elegant Finishes: The home boasts new LVP flooring, 5-inch modern baseboards, and contemporary light fixtures throughout. Luxurious Bathrooms: Both bathrooms have been newly tiled and feature stylish vanities. Master Suite: Relax in the master bedroom with a spacious walk-in closet. Cozy Living Spaces: The family room is complete with a charming fireplace, perfect for cozy gatherings. Additional Amenities: The garage comes equipped with plenty of cabinets for Location: Conveniently situated between the 101, 60, and 10 freeways, this home is close to shopping, dining, and entertainment options, offering both comfort and accessibility. Don't miss out on this move-in-ready gem!

View Property

1326 N Central Avenue Unit 411 Phoenix, AZ 85004

$599,000

2 Beds

2 Baths

1,655 SqFt

Status Active

MLS # 6758669

Property Type Apartment

Price Type --

Highly sought after 3-level loft, 2 bed/2 bath plus office/den in an award-winning building with the perks of urban living. Refined minimalist design with industrial touches throughout the unit. Must be seen to be fully appreciated. Take in amazing views of the North and West Valley through the expansive picturesque windows, and enjoy sunsets from the private rooftop deck with a spectacular downtown view. Located within walking distance to the light rail, Margaret T. Hance Park, and Central Library. Situated directly south of the Phoenix Art Museum and north of Downtown. Art, recreation, sports, music, and the incredible city dining scene just outside your doorstep!

View Property