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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2300 E Campbell Avenue Unit 314 Phoenix, AZ 85016

$589,900

3 Beds

2.5 Baths

1,345 SqFt

Status Active

MLS # 6764225

Property Type Apartment

Price Type --

Luxurious living awaits in this Exclusive Biltmore condo with sweeping pool deck views.An expansive open floor plan boasts engineered wood in living areas and tile in bedrooms, blending elegance and practicality. Modern comforts include a Jack and Jill bathroom, a glass shower with seating, Nest thermostat, and electric roller shades. Culinary excellence meets design with Bosch appliances and a KitchenAid fridge. Savor sunset views from the patio, or unwind in serene, concrete-walled rooms. With 5 owned parking spaces (perfect for a truck parking or rental income), an electric charging station, and the largest private storage unit fully enclosed, this residence delivers unmatched convenience. Concierge service and upscale amenities complete this refined lifestyle at Biltmore Contour Condo

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2059 W Desert Hollow Drive Phoenix, AZ 85085

New

$589,900

3 Beds

2.5 Baths

1,940 SqFt

Status Active

MLS # 6787793

Property Type Single Family Residence

Price Type --

Original owner is ready to pass the baton of home ownership. Built by Ashton Woods in the heart of Union Park at Norterra, this gorgeous and spacious home is an open floor plan with 3 bedrooms, 2.5 bathrooms, and 2 car attached garage. The main level is perfect for lounging or entertaining. The kitchen has plenty of storage space with 42 inch upper cabinets, an island with seating area, and walk in pantry. Modern granite counters and stainless steel appliances (including gas range) compliment the cabinet colors (white and blue). The dining area is near the sliding glass door to outdoor yard. Owner customized the yard with pavers, low maintenance desert plants, and a beautiful water feature. A main floor powder room is a convenience for guests and has beautiful mosaic tile. . floors, as do the upstairs bathrooms. A beautiful metal and wood stair rail leads the way to the upstairs 3 bedrooms. Owner suite is very spacious and has an ensuite with dual sinks, tub, and walk in shower. Owner closet (with attached safe) has access to the laundry room (front load washer and dryer included). Two other bedrooms and bathroom are split from owner suite.

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3915 E Kimberly Way Phoenix, AZ 85050

$589,900

3 Beds

2.5 Baths

1,924 SqFt

Status Active

MLS # 6787117

Property Type Single Family Residence

Price Type --

Welcome to your new home! Perfectly situated near Highway 51 and Union Hills Road for easy commuting, this beautifully updated property is located in the coveted Paradise Valley School District. Step inside and be captivated by the space and the modern upgrades throughout. With soaring ceilings and an open layout, this home is has a place for everyone! The large master suite is a true retreat, offering abundant natural light, a vaulted ceiling, and a stunning, spa-like bathroom (updated in 2023), that features double sinks and lighted mirrors. The spacious walk-in closet is another fantastic feature!! Don't miss the spacious kitchen, with plentiful storage and granite counters. The dining/living room on the main floor, and the loft upstairs are both perfect spaces for flexible needs, such as a home office, crafting, or play area. This home has been meticulously maintained with major updates including a roof restack (2021), furnace and A/C (2023), fresh exterior paint (2021), and new hot water tank (2021). Additional upgrades include a remodeled main bath (2024), new carpet (2020), and a Level 2 EV charger in the garageideal for the environmentally conscious. Some windows have also been replaced. The garage is equipped with built-in storage cabinets, and, for the workout enthusiast, multiple mirrors, creating the perfect setting for a home gym. Enjoy Arizona living at its best in your private backyard oasis complete with a sparkling pool, updated pool equipment (2023), and a covered patio perfect for outdoor gatherings. Take the opportunity to own this move-in-ready home that combines convenience, style, and thoughtful updates.

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39724 N Rolling Green Way Anthem, AZ 85086

$589,900

4 Beds

2.5 Baths

2,815 SqFt

Status Active

MLS # 6744991

Property Type Single Family Residence

Price Type --

Stunning 4-bedroom, 2.5-bath home is located in the highly sought-after Anthem Parkside community! Boasting a detached 240 sq. ft. casita with a private entrance - perfect for guests, a home office, or a gym. Inside, you'll find stylish tile flooring with plush carpeting in all the right places. The large primary bedroom features an ensuite bathroom with double sinks and ample closet space. A versatile loft area offers additional living space or a playroom. The 2-car garage provides plenty of storage, and the home is part of a vibrant community with top-notch amenities including parks, pools, and trails. Located in the heart of Anthem, this home offers both comfort and convenience.

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16182 W Casa Bonita Court Surprise, AZ 85374

$589,900

3 Beds

2.5 Baths

2,529 SqFt

Status Active

MLS # 6768602

Property Type Single Family Residence

Price Type --

Welcome Home! This Cordova Model Features New Roof 2024, HVAC Replaced in 2021, Exterior Painted 2021, 3 Bedrooms, 2.5 Baths, Electric Stove/Oven, Newer Microwave, Black Slate Whirlpool Refrigerator, RO, Inside Laundry with Cabinets, 3 Car Garage with Sink, Recirculating Hot Water, Lots of Storage, Exit to Rear Yard, on Large cul-de-sac, Extended Front Courtyard, Extended Rear Patio Partially Fence,

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7634 W Julie Drive Glendale, AZ 85308

New

$589,900

3 Beds

2 Baths

1,937 SqFt

Status Active

MLS # 6788458

Property Type Single Family Residence

Price Type --

Welcome to this highly sought after Arrowhead Ranch home! This home features a Pebble Tec pool and serene golf course views. Impeccably updated, it offers new exterior paint, hardwood floors, tile, carpet, and plantation shutters. The remodeled kitchen boasts stainless steel appliances, cherry wood cabinets, granite countertops, a stylish backsplash, and an oversized island, perfect for entertaining. Vaulted ceilings and a cozy fireplace add charm to the living space. The luxurious master suite includes a corner spa tub, dual granite vanities, a makeup station, walk-in shower, and a spacious walk-in closet. With a newer roof and updated A/C, this move-in-ready home is a must-see!

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4617 E Abraham Lane Phoenix, AZ 85050

New

$589,900

4 Beds

2 Baths

1,540 SqFt

Status Active

MLS # 6788727

Property Type Single Family Residence

Price Type --

Welcome to your dream home in the highly coveted Desert Ridge community. Perfectly situated on a quiet cul-de-sac, this home offers a serene retreat while being just moments away from the convenience of the 51 and 101 freeways. Designed with a desirable split floor plan, it provides both privacy and functionality for modern living. Every detail has been thoughtfully updated with stylish finishes, and the paid-off solar panels offer significant energy savings. This is a rare opportunity to own a turnkey home in one of the area's most sought-after neighborhoods.

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20830 N 98th Avenue Peoria, AZ 85382

$589,900

4 Beds

2 Baths

1,828 SqFt

Status Active

MLS # 6755466

Property Type Single Family Residence

Price Type --

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4602 E Monte Way Phoenix, AZ 85044

$589,900

3 Beds

2 Baths

1,735 SqFt

Status Active

MLS # 6682751

Property Type Townhouse

Price Type --

Price Reduction!!! Excellent Golf Course Lot has the views but far enough away to be private & very few if any golf balls*Corner lot*Mountain Views*Home is a block away from South Mtn Park*Private In Ground Heated Spa*Multiple Patio Areas*Wood Shutters*Tile Floors Through-out*Vaulted Ceilings*Newer Heat Pump*Split Bdrm Plan*3rd Bdrm Can be Den or Bdrm*Nicely landscaped*Community pools & spas*

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20038 N 21st Street Phoenix, AZ 85024

$589,900

4 Beds

2 Baths

1,784 SqFt

Status Active

MLS # 6687430

Property Type Single Family Residence

Price Type --

Come see this beautiful 4 bedroom, single level home with a pool in a quiet hidden alcove neighborhood in north Phoenix. This home features: plank tile flooring, quartz countertops in the kitchen, a 3 car garage, NO HOA, full length rear covered patio, pebble tec swimming pool, ceiling fans throughout, newer windows, updated fixtures throughout, dual sinks in both bathrooms, a nice open & flowing floor plan, vaulted ceilings, & brand new hot water tank (2024). This neighborhood is extremely quiet, with gorgeous mountain views, easy access to the 101, & has a lot of great restaurants and shopping close by (Costco is up the street, multiple public parks, Desert Ridge shopping & restaurants). Also close by is the Arrowhead Mall area, Westgate shopping & Arizona Cardinals stadium. NO HOA!!

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298 W Tulsa Street Chandler, AZ 85225

$589,900

5 Beds

3 Baths

1,626 SqFt

Status Active

MLS # 6782769

Property Type Single Family Residence

Price Type --

Fully remodeled and permitted home redone from studs, all new underground plumbing, new electrical, new gas lines, new meter, new flooring, new showers, bathrooms tile, new kitchen white shaker cabinets and quartz countertops, guest house features kitchen and bathroom and laundry room, studio apartment can use as a rental and or mother in law suite, this home features a nice backyard with RV gate no HOA, 2 carport, and new ac's and new roof, all new insides paint drywall and many more. Come see this 4 bed 2 bath home and casita before its gone!

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11667 W Luxton Lane Avondale, AZ 85323

$589,900

4 Beds

3.5 Baths

2,937 SqFt

Status Active Under Contract

MLS # 6741312

Property Type Single Family Residence

Price Type --

Explore Alamar! A community where neighbors become friends & friends become family! Downstairs you will find 2 primary bdrms w/walk in closets & private baths. Main primary has generous custom closet space. Flex room w/built in desks for everything from homework to zoom meetings! Chef's kitchen features built in gas oven, 36'' cooktop & generous center island. The view through the 16' glass doors brings you a yard w/entertaining in mind. 2 gas stubs to add a BBQ & fire feature. Solar has offered savings on the electricity. Alamar features well thought out parks for grilling & playing-4 around this home alone. Enjoy the community pool & BBQ ramada at Haymoon Park. Head to Alamar park for pickleball, fishing, outdoor exercise area, splash pad & 2 dog parks. Come live in ALAMAR!

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