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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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!

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44449 W Canyon Creek Drive Maricopa, AZ 85139

$599,000

5 Beds

3 Baths

3,930 SqFt

Status Active

MLS # 6759318

Property Type Single Family Residence

Price Type --

Welcome to your dream home in the highly desirable Cobblestone subdivision of Maricopa! This stunning 5-bedroom, 3-bathroom residence spans 3,929 sq.ft. of nicely upgraded living space. The modern kitchen boasts sleek stainless steel appliances, beautiful quartz countertops, kitchen island and lots of storage. Upstairs you'll find spacious loft and oversized bedrooms for all the guests or family. Step outside into your expansive backyard oasis, complete with a built-in grill, Blackstone griddle and PIZZA OVEN, with a large SPARKLING HEATED POOL AND SPA —ideal for Arizona's sunny days and cool evenings. With ample space, luxurious features, and a prime location, this home offers everything you need for comfort and style. Don't miss the chance to make this your forever home

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160 N Forgeus Avenue Tucson, AZ 85716

$599,000

3 Beds

2 Baths

1,840 SqFt

Status Active

MLS # 6781329

Property Type Single Family Residence

Price Type --

Prestigious Sam Hughes Neighborhood in a limited 9 lot home community on Forgues Ave. This 2 story, 3bedroom, 2 bath home is located in the heart of Sam Hughe walking distance to Sam Hughes Elementary and even the old Rincon Market now as Floras Market Run. All Garages are in the back of the homes allowing great curb appeal. This home has only been owed by one family. Large living room with built in entertainment area. The down stairs has a step down to living room area from entry. Step down to hallway to bathroom and 2 bedrooms. Stairway upstairs for split master bedroom private with master bath. Roman jacuzzi bath tub, pedestal sinks, separate shower. Large walk-in... closet. Vaulted ceilings, separate laundry room, 2 car garage entry from laundry area. Kitchen with eat in area and built in ovens. Back yard enclosed with jacuzzi and grass area. Investor property. Needs remodeling. Power of attorney is selling home and limited info. Home is being cleaned out and pictures coming soon. Selling home As Is. Nov 30th viewing available BY APPOINTMENT ONLY between 10am-2pm. Proof of funds required prior to viewing. Email to co-listing agent. See private remarks regarding access, notices. DO NOT DISTURB elderly resident! All offers are being reviewed in 30 days. No EXCEPTIONS. Offers accepted with 2 additional back ups.

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1014 S 2nd Street Phoenix, AZ 85004

$599,000

4 Beds

3 Baths

1,897 SqFt

Status Active

MLS # 6759017

Property Type Single Family Residence

Price Type --

This property features two separate homes, each with its own private ingress and egress, making it ideal for rental income or living in one and renting out the other. Both homes are enclosed with block wall privacy. The front home offers 2 bedrooms and 2 bath. While cozy, it has been updated with tile flooring, a fully tiled tub surround, and an all-tile shower in the second bath. Dual-pane windows throughout improve energy efficiency. The rear house is newer, with 2 bedrooms, 1 bath and 1,008 sqft of living space. Together, the two homes provide almost 2,000 sqft of total living area. Conveniently located very close to Chase Field, Footprint Center, major freeways and all of what downtown Phoenix has to offer!

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3267 Huckleberry Way Wickenburg, AZ 85390

$599,000

2 Beds

2 Baths

1,700 SqFt

Status Active

MLS # 6759265

Property Type Single Family Residence

Price Type --

Magnificent view of 13th Green on the Championship Course! Step thru the front door into this highly upgraded Beacon Floor Plan. From tile throughout the home to the stunning kitchen granite counters this home has everything. SS appliances, large center island, pull out shelving for the soft close cabinet doors, elegant pendant lights for entertaining guests. Primary w/same granite counters, dual sinks & Walk-in closet. Great room with multi-sliding glass door leads you out to the amazing extended patio and views. This floor plan comes with a separate Den and Guest Suite w/Hall Bathroom. Stop by today to make this once in a lifetime your next home!

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1524 E Dublin Street Gilbert, AZ 85295

$599,000

4 Beds

3.5 Baths

2,410 SqFt

Status Active

MLS # 6768551

Property Type Single Family Residence

Price Type --

This gorgeous 4-bedroom, 3.5-bath home in the heart of Gilbert is truly a gem! From the moment you walk in, you'll be captivated by the elegance and thoughtful upgrades throughout. The executive kitchen is a chef's dream, complete with high-end appliances, sleek countertops, and plenty of cabinet space for all your culinary needs. The spacious primary suite has been extended and upgraded, featuring two generous walk-in closets and a luxurious soaking tub, perfect for unwinding after a long day. A private casita offers a perfect retreat for guests, in-laws, or a home office. Enjoy indoor-outdoor living with the expansive extended patio slider doors, allowing for seamless flow to the backyard, ideal for entertaining. Enjoy the beautiful sparkling community pool and local parks. Come view!

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26205 S Beech Creek Drive Sun Lakes, AZ 85248

$599,000

3 Beds

2 Baths

1,971 SqFt

Status Active

MLS # 6763105

Property Type Single Family Residence

Price Type --

Step into a home where sophistication meets comfort. The custom-designed fireplace sets the tone in the expansive great room—perfect for both intimate gatherings and grand entertaining. This home is better than new, boasting brand-new floors and windows throughout, with meticulous attention to detail at every turn! The heart of the home, the gourmet kitchen, is a chef's dream. Featuring top-of-the-line KitchenAid and Bosch appliances, drawer microwave, dual ovens, induction cooktop, custom drawer organization for all your kitchen utensils, stunning custom quartz countertops, and a massive island that provides ample seating. The flat-panel European-style cabinets are sleek and modern, beautifully complemented by designer lighting. Retreat to the luxurious master suite, where relaxation awaits. The master bathroom boasts a bespoke vanity with a dedicated makeup area, a spacious walk-in shower with a bench, and no-step entry for ultimate convenience. The serene bedroom offers a peaceful view of the private backyard, perfect for unwinding after a long day. The open-concept living area flows seamlessly into a formal dining space, ideal for hosting dinner parties or family meals. Step outside to a backyard that's made for Arizona living. The newly epoxied patio is ready for you to enjoy cool winter evenings under the stars. This stunning home is an entertainer's dream and a peaceful retreat all in one. NEW ROOF AND AC! Don't miss your chance to own this beautifully reimagined property!

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4734 E Verbena Drive Phoenix, AZ 85044

$599,000

4 Beds

2 Baths

1,890 SqFt

Status Active

MLS # 6761591

Property Type Single Family Residence

Price Type --

Beautiful home in Ahwatukee Foothills Community. Amazing 4 bed single level home 3 car garage, pool/spa. With a granite kitchen island, extensive custom cabinets with pull-outs, an eating nook with a big picture window. Kitchen overlooks the family room & beautiful travertine tiles & freshly painted throughout. Enjoy private pool with spa in this great entertainers backyard. Mature trees and lovely landscape to this yard giving a feeling of the outside peacefulness. Home also has a soft water loop. It's conveniently located near I-10 for access to anywhere but also within the bounds of Ahwatukee and all it has to offer. It's also just a few miles from Pecos Park, which has pools, water slides, 16 pickleball courts, basketball, soccer, volleyball, walking paths and more!

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4046 E Agave Road Phoenix, AZ 85044

$599,000

5 Beds

3 Baths

2,302 SqFt

Status Active

MLS # 6761563

Property Type Single Family Residence

Price Type --

Luxury remodel in a premier location!!! Stunning 5 bed/3 bath with soaring 18ft ceilings and gorgeous new flooring throughout. Highlights: *In-laws suite downstairs, plus 2nd bedroom. Full bath downstairs. *Massive 5ft x 1ft porcelain tiles from Italy mimic white oak wood on first floor. *Elegant engineered hardwood stairs lead to plush new carpeting upstairs. *Gourmet kitchen with quartzite counters, marble backsplash, and stainless appliances. *Jaw-dropping primary bath with 9ft x 3.5ftx10ft H tiled shower; nicknamed The Car Wash Shower. * 4 mitered quartzite counters in all 3 full bathrooms. Laundry conveniently located upstairs. *Fresh interior/exterior paint provides move-in ready luxury. *Coveted neighborhood near I10, 202, 60, downtown Phoenix, ASU, top public and charter schools like Basis. *Amenities galore at Mountain Park HOA- 3 Olympic size pools, jacuzzi, pickleball, tennis and sand volleyball courts, walk and bike paths, hiking. Great shopping nearby- Phoenix Premium Outlets, RH Outlet, Marshalls, Costco, AZ Mills Mall, Sprouts, Frys, Home Depot, Lowes. Call today!

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9416 S 46th Street Phoenix, AZ 85044

$599,000

3 Beds

2 Baths

1,747 SqFt

Status Active

MLS # 6758376

Property Type Townhouse

Price Type --

ALL-NEW BEAUTIFUL COMPLETE RENOVATION AT THE POINTE!! LifeStyle at The Pointe South Mountain!!! Indulge in the pinnacle of serene luxury living in this exquisite home offering breathtaking mountain and golf course views within the lush and prestigious Mediterranean-inspired Pointe South Mountain community. The visionary Gosnell architecture is immediately breathtaking as you walk in. Enjoy the majestic palms and enchanting lantern-lit evenings while watching the Pointe Resort fireworks from your own backyard with huge beautiful DIVING POOL!, nestled against the serene South Mountain Preserve, with its inviting Pima Canyon Trailhead just a short walk from your door. This hidden gem in The Pointe is nestled on the most sought-after and tranquil cul-de-sac, radiating (read more) ...charm both inside and out. Featuring 3 bedrooms, 2 baths, a 2-car garage and a glorious resort-style feeling... Your home is waiting for you with its stunningly unique living space and an elegant formal dining area. The vaulted ceilings and high clerestory windows enhance the spacious ambiance, complemented by plantation shutters, flowing natural light, and stylish wood-look flooring throughout. Cozy up by the fireplace in the delightful kiva nook for a martini or a book...or both! JJ Completely upgraded everywhere you look! The bright kitchen is a chef's dream, equipped with all-brand-new stainless steel appliances, sleek quartz countertops, a vertical tile backsplash, ample cabinetry and a breakfast bar peninsula. The primary bedroom boasts a sparkling ensuite with all-new dual sinks and a gorgeous large walk-in shower. The bright front bedroom offers plantation shutters and a generous walk-in closet. Step outside to your entertainer's paradise: a backyard featuring a covered patio, pavers, lush lawns, and a sparkling pool. Every detail exudes WOW! This home is an opportunity not to be missed. Experience the perfect blend of elegance, comfort, and unparalleled beauty. Hurry, this masterpiece won't last long!

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19733 N 79th Avenue Glendale, AZ 85308

$599,000

4 Beds

2 Baths

2,272 SqFt

Status Active

MLS # 6769879

Property Type Single Family Residence

Price Type --

Charming single-story home with a spacious, open-concept layout and high ceilings, offering an abundance of natural light and elegant tile flooring throughout. Original owners have lovingly maintained the property ideal for hosting gatherings, this home boasts an extended, covered patio and a serene garden-like backyard. The generous primary suite features a separate tub and shower, a private water closet, and a large walk-in closet. A well-designed split floor plan includes 3 additional bedrooms and a full bathroom. The exterior was freshly painted this year, enhancing its curb appeal. The three-car garage is equipped with insulated door and ample storage cabinets. Conveniently located near golf courses, lakes, parks, and easy access to freeways, shopping, and medical facilities.

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1849 E Northview Avenue Phoenix, AZ 85020

$599,000

2 Beds

2 Baths

1,752 SqFt

Status Active

MLS # 6770374

Property Type Single Family Residence

Price Type --

Location! Location! Location! Act fast before its gone. Beautiful home in Skyline Heights. This home is in the High Demand Pointe area. Brand New Roof just replaced with underlayment and brand-new tiles. New electrical panel box, New Garage door opener, New Security System, and New Dishwasher! Front and Backyard Brand New pet friendly artificial turf installed for low maintenance. Open and bright floorplan with fireplace and Atrium. Across the street from the park with mountain views and minutes from the Biltmore with restaurants, shopping and entertainment.

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