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

23014 N 22nd Place Phoenix, AZ 85024

$575,000

3 Beds

2 Baths

1,554 SqFt

Status Active

MLS # 6775017

Property Type Single Family Residence

Price Type --

This is IT. The perfect home with an incredible location. With easy freeway access, lots of local parks and entertainment while still being situated in a nice quiet suburb. With a spacious 3 bedroom 2 bathroom floor plan with dining and entertainment space you will be ready to invite over all your guests. The pool and outdoor space is perfect with mountain views to relax and enjoy your new home. Only 12 minutes to Desert Ridge with dining, entertainment and shopping. Close enough to main freeways for an easy commute to Downtown, TSMC, or Scottsdale. This one is sure to check all your boxes! So go ahead and start packing them!

View Property

3025 N 160th Avenue Goodyear, AZ 85395

$575,000

2 Beds

2 Baths

2,033 SqFt

Status Active

MLS # 6787438

Property Type Single Family Residence

Price Type --

Now here's a true value. Look at what you get for only $575K: pool with hot tub, 3-car garage, outdoor and indoor fireplaces, built-in grilling station, expansive and beautiful corner lot. Home consists of 2 beds, 2 baths, office and open concept living with eating areas. There are granite counters and stainless-steel appliances in the kitchen, and tile floors throughout. There's also a prepaid solar lease with approx 7 years of no solar lease payments left. Home inspection and appraisal were just done and are on file in the doc section. Home is priced at appraised value. This one is well worth the money.

View Property

12132 W Ashby Drive Peoria, AZ 85383

$575,000

4 Beds

3 Baths

2,751 SqFt

Status Active

MLS # 6787370

Property Type Single Family Residence

Price Type --

View Property

15735 W Autumn Sage Drive Surprise, AZ 85374

$575,000

3 Beds

2 Baths

2,282 SqFt

Status Active Under Contract

MLS # 6778325

Property Type Single Family Residence

Price Type --

Exquisitely updated Hacienda/Stonecrest model starting from the minute you walk up to the cozy front courtyard, Stone veneer finishes & cool deck driveway & sidewalk. Entrance has custom security door & front door. Formal living room for entertainment & dining area, all open to the spacious great room with custom fireplace, media wall with stone veneer, special lighting & TV included. Huge kitchen with refinished cabinets, tiled backsplash, beautiful granite countertops, stainless appliances plus an ice making machine & a massive breakfast bar with stone finish & double pantry. Split floorplan offers great privacy. Primary suite includes large picture window, oversized walk in closet, bathroom upgrades include granite counters, double sinks, plumbing fixtures & framed mirrors, lighting, hardware, tiled shower & door, tiled soaking tub surround. 2 spacious guest rooms, 1 with built in Murphy bed & desk. The guest bath has a walk-in shower, updated vanity, granite counters, plumbing fixtures & sink, hardware, mirror & lighting. Nicely appointed laundry room with built in cabinets. Absolutely stunning back yard extended covered patio with cool decking, massive rock water feature, beautiful mature landscape, wrought iron fencing. Additional upgrades include: Baseboards, wood trim around window, 5 new Anderson windows in main areas, interior & exterior paint, custom blinds, recirculating hot water pump, security system, water softener, extended length garage with golf cart space & keyless entry system. Outside heater hardwired in & awnings.

View Property

2292 S 155th Lane Goodyear, AZ 85338

$575,000

5 Beds

3.5 Baths

3,169 SqFt

Status Active Under Contract

MLS # 6741299

Property Type Single Family Residence

Price Type --

Spectacular, totally move-in ready home! Every box will be checked, beginning with the amazing location! Be close to shopping, dining, schools and access to freeways! Being close to Goodyear Ballpark makes Spring Training easy to enjoy, too! Next box to check is this great floorplan! The large foyer and very impressive stairway to the second floor is only the beginning! This floorplan offers the ability to live on the main floor, beginning with the primary suite, featuring a large walk-in closet and newly remodeled bath! Also on the main floor is the large living room/den and a spacious dining room, accented with dentil molding. The upscale eat-in chef's kitchen, with high-end appliances, beautiful granite on the large island with breakfast bar, and the adjoining family room brings everyone together in the heart of the home! But wait, there is more.... Upstairs, you will find 4 additional bedrooms, 2 full baths and a huge bonus/media/game room! To top it all off, the resort-style backyard, with built-in BBQ, fridge, sink and cooktop, heated saltwater pool with waterslide and waterfall, and the heated spa, is your own private oasis! Be settled for the holidays! Freshly painted and new carpet in all bedrooms, you can move in and enjoy!! A quick close is possible!!

View Property

15021 S 47th Street Phoenix, AZ 85044

$575,000

4 Beds

2 Baths

1,846 SqFt

Status Active

MLS # 6763249

Property Type Single Family Residence

Price Type --

Fall in love, this North-South-facing Former Model Home on a corner lot, offering stunning Sunrises & Sunsets in the desirable Ahwatukee Foothills neighborhood, w/ no HOA! Step inside to Vaulted Ceilings in the living room with Natural Lighting with all New Vinyl Windows Installed (2021). Custom Tile/Wood Flooring throughout flows to the open kitchen featuring designer backsplash tile, granite countertops, an eat-in bar that flows into the great room, w/ easy access to the backyard that has a covered patio, awnings, pavers, newer pebble tech pool (2018) upgraded pool equipment (2023). All the bedrooms have ceiling fans for efficient living The primary bedroom offers a large walk-in closet and a spacious bathroom has granite counter tops, stand-up shower, plenty of Linen cabinet space a sliding door leading to a backyard. This Home is Conveniently located near freeways, shopping, dining, and featuring a new HVAC Air Conditioner installed (2021)

View Property

11757 W Montana De Oro Drive Sun City, AZ 85373

$575,000

5 Beds

3 Baths

2,791 SqFt

Status Active

MLS # 6777966

Property Type Single Family Residence

Price Type --

Owned Solar! In the Dos Rios Neighborly Neighborhood! This spacious 5-bedroom, 3-bath home in Sun City is NOT in an age-restricted area, offering all the benefits of the thriving North Peoria community nearby. The main floor features a friendly layout with one bedroom and a full bath, plus a living room, family room, and dining area, while upstairs adds a versatile loft space. The low-maintenance turf yard and 3-car garage provides convenience and ample storage. Don't miss this exceptional opportunity!

View Property

1580 Calle Simpatico Drive Wickenburg, AZ 85390

$575,000

3 Beds

2 Baths

2,004 SqFt

Status Active

MLS # 6761470

Property Type Single Family Residence

Price Type --

This PRISTINE CUSTOM ''JEB'' home is located in the desirable PUEBLO CASSANDRA Village, where luxury meets comfort and security featuring a HEATED POOL and spa to enjoy year-round ARIZONA living. Step through the front door to be wowed by vaulted ceilings, open floorplan, plantation shutters, ambiance lighting, a gorgeous chandelier and a cozy gas fireplace. Not a detail left behind in the kitchen with stainless appliances, beveled edge GRANITE countertops, spacious island, and extensive Knotty-Alder soft touch CUSTOM cabinetry. Hide-a-way to the PRIMARY SUITE through PRIVATE DOUBLE ENTRY doors complete with a HUGE walk-in closet and separate exit to the expansive COVERED PATIO surrounded by a stucco finished wall. WOW! This EXQUISIT home with resort living is IN WICKENBURG!

View Property

7353 E Milagro Avenue Mesa, AZ 85209

$575,000

5 Beds

3 Baths

2,352 SqFt

Status Active

MLS # 6770673

Property Type Single Family Residence

Price Type --

Discover this beautifully updated 5-bedroom home, freshly painted and move-in ready. The expansive living area on the main floor provides an ideal space for hosting and gathering. Step outside to enjoy a meticulously landscaped backyard, complete with a sparkling pool, safely enclosed by a fence. Situated in a highly desirable location, this property is within walking distance to Monterey Park, Gilbert's top-rated schools, and offers easy access to major highways, shopping centers, and dining options. An opportunity like this is not to be missed!

View Property

9413 E Osage Avenue Mesa, AZ 85212

$575,000

4 Beds

2 Baths

2,308 SqFt

Status Active

MLS # 6764630

Property Type Single Family Residence

Price Type --

Back on market after getting a super cute remodel! Fantastic single story home located in highly desirable Mesquite Canyon featuring 4 bedrooms, 2 baths, 2 car garage, Through the front door you are welcomed by BRAND NEW vinyl plank flooring throughout, FRESHLY painted white interior which is a blank canvas to decorate to your hearts content, NEW baseboards, additional puck lighting added to give the home that light, bright and airy feeling, living room/dining room combo, kitchen boasts granite countertops and backsplash, stainless steel appliances, white cabs, dining area, kitchen island, flat top electric stove with above b-i microwave, huge walk-in pantry, family room with shiplap accent wall, large primary bedroom with double door entry, walk-in closet and exterior access to backyard , ensuite with dual sinks, separate shower & tub, chevron accent wall with updated mirrors and light fixtures, enjoy outdoor entertaining with sparking play pool, covered patio and canopy with pavered sitting area, vaulted ceilings, faux wood blinds, security screen door, near highly rated Gilbert schools, neighborhood parks, restaurants and shopping. An Absolute Must See!

View Property

3031 E Colonial Place Chandler, AZ 85249

New

$575,000

3 Beds

2 Baths

2,170 SqFt

Status Active

MLS # 6787735

Property Type Single Family Residence

Price Type --

Welcome to this extraordinary home that boasts both charm and personality! The fabulous interior features vaulted ceilings, tons of natural light, elegant stained glass, gorgeous light fixtures, designer paint & distressed wood floors. With both a separate living/dining room combo, an open-concept family room, this gem has versatile spaces for relaxing & entertaining! The impressive kitchen boasts custom additions such as: coffee station, SS appliances, double ovens, metal stove hood, farm sink, island w/breakfast bar, stone counters & backsplash, roll out shelving, RO, walk-in pantry & antique white cabinetry w stained glass doors. The large main bedroom has a bay window, new carpet, an ensuite w/ dual sinks, separate tub/shower & walk in closet. New Trane HVAC system & ductwork 11/20. PLUS! One bedroom doubles as a den and offers a unique setup, currently serving as a rental with two bedrooms separated by a steel privacy door. This layout provides endless possibilities, whether for a roommate, private office, or in-law suite. Discover your private backyard retreat including a covered patio, pavers, and a Gazebo for entertaining. Home has a 220 electrical outlet ready for a hot tub. Also, there is a large side yard with lovely 8x6 storage shed. NO neighbors behind for added privacy & on a cul-de-sac lot!!! Don't miss this opportunity! New suncreens (7/20),new water heater (8/21), new dishwasher (2/24).

View Property

1018 N 25th Street Phoenix, AZ 85008

$575,000

5 Beds

3 Baths

2,287 SqFt

Status Active

MLS # 6665438

Property Type Single Family Residence

Price Type --

Hard to find New Construction Home in 85008. 5 Bedroom 3 Bath with 2 car garage. 10 foot ceilings. Quartz Counters, Shaker Style Cabinets. New Stainless appliances. Could be Flex Home, as room for second kitchen with bonus room in back. Huge walk in shower in Master. Dramatic front Iron Gate Door. Drive way is gated and both side gates match. Back yard is large enough for a pool. Hard to get quality new construction in this area so close to Downtown Phoenix, Freeway access, Roosevelt District, Hospital walking distance. Close to new Valley Wise Hospital Wing just opened. Nice eclectic mix of older homes and newer builds, Beautiful paver walkway and front patio. Extended 2 car garage. NEW NEW NEW, Tired of looking at old homes with deferred maintenance. Zoned R-3 Multi Family

View Property