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

8129 W Ross Avenue Peoria, AZ 85382

$599,900

4 Beds

2.5 Baths

2,337 SqFt

Status Active

MLS # 6759468

Property Type Single Family Residence

Price Type --

This amazing fully upgraded home in the heart of Fletcher heights has one of the largest pie shaped private lots in the subdivision. This one offers brand new LVP flooring throughout the entire first level, upgraded stainless steel appliances in kitchen, new quartz countertops, built in custom fireplace in great room, upgraded light fixtures throughout, custom master shower/tub, upgraded bathrooms throughout, and so much more. 4 bedrooms and loft upstairs, large great room floor plan downstairs, and RV Gate with huge slab behind the gate. Take one look at the photos and get your buyers in the car. This home on this lot will go fast!

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15 W Palmcroft Drive Tempe, AZ 85282

$599,900

3 Beds

2 Baths

1,608 SqFt

Status Active

MLS # 6767877

Property Type Single Family Residence

Price Type --

Beautifully updated mid century gem with all the historic charm intact in the heart of downtown Tempe! Impeccably maintained with updates galore featuring 3 bed/2 baths, large professionally landscaped lot, award winning schools, walking distance to ASU, downtown Tempe and Gammage. Updates include: new roof, new Trane a/c, plantation shutters, professionally landscaped backyard including irrigation system, block wall/fence, gate, extended covered patio & large storage shed, new windows, interior and exterior doors, remodeled kitchen, stainless appliances, remodeled bathrooms, interior and exterior paint & newer water heater. Date Palm Manor is a historic designated neighborhood which reduces owner property taxes by half.

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15975 W Laurel Lane Surprise, AZ 85379

$599,900

3 Beds

2 Baths

2,567 SqFt

Status Active

MLS # 6770459

Property Type Single Family Residence

Price Type --

SPARKLING POOL (backyard OASIS), HIGHLY UPGRADED Shea Homes built, 10' ceilings, Single Level, 3 beds PLUS double door ENCLOSED FLEX ROOM, w/RV gate in Greer Ranch North! Fall in love w/the HUGE & bright open floor plan enhanced by surround sound, tons of recessed lighting, 3 panel sliding glass door, wood-look tile flooring in all the key areas. Gourmet kitchen w/abundant white cabinetry, granite counters, prep island w/breakfast bar, tile backsplash, & SS appliances; wall oven & cooktop gas. Serene main retreat; ensuite w/dual sinks, JUMBO tiled walk-in shower w/TWO shower heads (rain) w/drying area, & walk-in closet. Tranquil backyard invites endless outdoor activities & relaxation, boasting covered patio, gazebo, fire pit & refreshing pool w/water feature. Snatch this GEM!!!

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1252 E Brentrup Drive Tempe, AZ 85283

$599,900

3 Beds

2 Baths

1,875 SqFt

Status Active

MLS # 6772127

Property Type Single Family Residence

Price Type --

Convenient Tempe location with abundant upgrades throughout. Quartz countertops, refinished cabinetry, remodeled bathroom, laundry and hallways. New flooring in entry, great room, baths, laundry and hallways. New roof (replaced in 2021). New micro-pebble pool surface (2020) and new filter. Pergola covered patio with mist system and electric fireplace in great room. American standard 4-ton heat pump (2019). Insulated front door, French door with dual pane glass, Milgard dual pane windows, owned 6.3KW Photovoltaic solar system. Large lot with private backyard oasis to enjoy!

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2002 W Turney Avenue Phoenix, AZ 85015

$599,900

3 Beds

3 Baths

2,118 SqFt

Status Active

MLS # 6772741

Property Type Single Family Residence

Price Type --

The possibilities are endless with this property, Large Family Home, PadSplit, Behavioral Health, Assisted Living, Sober Living, DDD, Corporate Rental, Traveling Nurse Rental, etc... For traveling nurses, there's 3 hospitals within 8 miles. At just a short drive to the 51 and I-17 and in between Camelback and Indian School, it's as centrally located as you could hope for. Talk about ready to go, it was fully remodeled from top to bottom and comes loaded with everything included.

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3718 E Vallejo Drive Gilbert, AZ 85298

$599,900

3 Beds

2 Baths

1,832 SqFt

Status Active

MLS # 6773580

Property Type Single Family Residence

Price Type --

This home is nestled on a premium north/south lot with no rear neighbors, offering exceptional privacy. It features a stunning swimming pool and low-maintenance landscaping. The property includes plantation shutters, a washer and dryer, a refrigerator, and a multi-panel sliding glass door that invites abundant natural light. The kitchen boasts elegant quartz countertops and stylish subway tile. The thoughtfully designed great room floor plan separates the master suite from the secondary bedrooms, while the office can easily serve as a fourth bedroom. Conveniently located near an elementary school, restaurants, and shopping!

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2284 N 163rd Drive Goodyear, AZ 85395

$599,900

2 Beds

2 Baths

1,898 SqFt

Status Active Under Contract

MLS # 6767806

Property Type Single Family Residence

Price Type --

Beautiful highly upgraded, updated, and expanded Newport Model situated on a private view corner lot on the Tuscany Falls side of the award-winning golf course community of PebbleCreek is waiting for you! This property has been meticulously maintained and will please even the most particular buyer. As of 2024, this property features a New AC and a New H20 Concepts water treatment system. The kitchen has been beautifully updated with 42-inch white shaker cabinets w/soft close drawers and LED under-cabinet lighting, quartz countertops, porcelain subway tile backsplash, & newer stainless steel GE Profile appliances. It also offers a nice-sized walk-in pantry. The dining room has been extended and has a bay window. Not only is this home situated in the perfect place and well-maintained... it also has many designer touches and features. Which includes 8 X 40 wood look porcelain tile, charming wainscoting, beadboard, crown molding, and designer roll-down shades, including remote shades for the great room and the patio door. You'll find designer 2-tone interior paint, tall baseboards, and ceiling fans throughout the home. The primary bedroom has been extended and features a bay window. The primary shower is stunning. It's oversized and custom-designed with beautiful porcelain tile and has a glass barn door. New 36-inch vanities and comfort toilets were also installed in both bathrooms. The den has double doors for privacy. Newer GE washer and gas dryer convey with the home. You'll appreciate the brick pavers in the front and backyard with professional landscape & timed accent lighting. The backyard has a view fence with a pretty view of the common area. You'll also find a cozy gas fireplace, gas BBQ line, and mature citrus trees in the backyard for your future enjoyment. The garage has been extended by 4 feet and has a new insulated garage door and there's room for a golf cart garage on the side of the house! This is a rare opportunity to own a true PebbleCreek dream home at an amazing price so don't wait to see this one because it won't last long! Please see the full list of upgrades and updates in the document section.

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1910 E Rainbow Trail Payson, AZ 85541

$599,900

3 Beds

2 Baths

1,772 SqFt

Status Active Under Contract

MLS # 6692516

Property Type Single Family Residence

Price Type --

BRAND NEW - TO BE BUILT Dream Home on the Rim in Payson - surrounded by gorgeous custom homes and less than 7 min from Renowned Golf Club at Chaparral Pines & The Rim Club, less than a mile from Safeway grocery store and convenient shopping, dining, gas & bank. Buyers able to select Cabinet Color, Granite Color, Interior & Exterior Paint and Flooring. Not much around here under $600K so hurry - home can be completed in less than 6 mos- just in time to enjoy for the summer! Photo reflects same floorplan and elevation as what will be built. Additional Photos of this home will be posted as it progresses. Buyer to verify all facts & figures.

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4209 E Bonanza Road Gilbert, AZ 85297

$599,900

4 Beds

3 Baths

2,502 SqFt

Status Active Under Contract

MLS # 6753531

Property Type Single Family Residence

Price Type --

This beautiful home in Power Ranch has been meticulously maintained by the original owners and offers 4 bedrooms & 3 full baths in 2502 SqFt. Living areas include formal living/dining and separate family room on the main level and a large upstairs loft. The recently updated eat-in kitchen features maple cabinetry with under-cabinet lighting and crown molding, granite countertops, modern subway tile backsplash, stainless appliances, pantry, and island with breakfast bar. The backyard has an extended covered patio with ceiling fan and easy-care artificial turf for kids and pets to play on. One bedroom and bath are on the main level, perfect for guests! The primary is upstairs and has double door entry, and an en-suite bath with dual sink vanity, separate tub & shower, and walk-in closet. The laundry room is conveniently located upstairs. Other features include an oversized 2 car garage and leased solar panels to provide utility savings! Power Ranch is a resort-style community with a variety of amenities including a clubhouse, two swimming pools, and spa, sport courts (including tennis, pickleball, and bocce), fitness center, and much more!

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7655 W Tierra Buena Lane Peoria, AZ 85382

$599,900

4 Beds

2 Baths

2,157 SqFt

Status Active Under Contract

MLS # 6753827

Property Type Single Family Residence

Price Type --

Welcome to your dream home where indoor and outdoor living blend seamlessly! This move-in-ready gem is designed for those who value comfort, style, and the perfect space for entertaining. Step into the open-concept living and dining areas that flow effortlessly into a stunning kitchen featuring granite countertops, stainless steel appliances, white cabinetry, and a stacked stone breakfast bar. Whether you're hosting a dinner party or enjoying a quiet meal, this space is both functional and inviting. The highlight of this home is the incredible backyard oasis. A lagoon-style pool, cozy firepit, manicured lawn, and fully equipped outdoor kitchen set the stage for endless outdoor enjoyment. The large covered patio, makes outdoor lounging and dining a breeze. It's the perfect setup for hosting gatherings or relaxing in style, offering a seamless transition between indoor comfort and outdoor luxury. The primary suite offers a private retreat with a walk-in closet, direct backyard access, and an en suite bath featuring dual sinks, a separate soaking tub, and a shower under a skylight. The additional oversized bedrooms provide ample space for whatever you needguests, hobbies, or a home office. With a 4-car tandem garage featuring built-in storage, a new RV gate, and an 80ft RV driveway with a 30-amp hookup, there's plenty of space for all your toys and adventures. Plus, NO HOA means you have the freedom to enjoy the space however you like. Designed for those who appreciate the art of indoor-outdoor living, this home offers the perfect setting for relaxation, entertainment, and everything in between.

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19709 N 66th Avenue Glendale, AZ 85308

$599,900

3 Beds

2 Baths

2,313 SqFt

Status Active Under Contract

MLS # 6767187

Property Type Single Family Residence

Price Type --

Welcome to Highlands at Arrowhead Ranch! This charming 3-bed, 2-bath residence features a 2-car garage, an inviting front porch, and a landscaped yard. Discover a lovely living room with vaulted ceilings, a cool palette, blinds for privacy, and attractive wood-look flooring. Adjacent, you'll find a versatile den ideal for an office. The great room includes a tiled fireplace for cozy evenings with loved ones. The gourmet kitchen comes w/ upgraded quartz counters, abundant cabinetry, a stylish tile backsplash, recessed lighting, SS appliances, a walk-in pantry, and an island with a breakfast bar. The primary bedroom offers direct backyard access, an ensuite w/ dual sinks, and a walk-in closet. Unwind in the backyard, complete with a covered patio and a refreshing pool. Make this gem yours!

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31723 N 24th Drive Phoenix, AZ 85085

$599,900

3 Beds

2.5 Baths

2,026 SqFt

Status Active Under Contract

MLS # 6773196

Property Type Single Family Residence

Price Type --

Stunning home on a FABULOUS, UNIQUE private lot, in the popular Gated Community of Sonoran Foothills! Amazing Mountain/Desert Wash Views with no one on the side or in the back! The low maintenance Backyard boasts artificial turf & a covered patio. This beautiful end unit is upgraded just right! The Chef's Kitchen features the ultimate appliance, cabinet & counter package. The gorgeous granite counters, modern cabinets with soft close & roll-out shelving, stainless steel appliances, and oversized island with a breakfast bar are very impressive. This Great Room plan is perfect for entertaining. Upstairs you will find 3 Bedrooms and a Loft. The spacious Primary Bedroom is split with a private balcony showcasing the awesome desert scenery. A large tiled walk-in shower, built-in custom cabinets, raised vanities, quartz counters, and a large walk-in closet complete with this Primary Retreat. Tiled plank floors, textured carpeting, two-tone paint, and modern railings are perfect accents. The R.O. system and water softener are a bonus! Just steps away from the Community Pool, Spa, BBQ, and Dog Park. Close to shopping, dining, entertainment, and I-17. Tour this beautiful home TODAY! 10+

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