How Technology Is Creating an Easier Mortgage Approval Process

How Technology Is Creating an Easier Mortgage Approval ProcessFrom saving up for a down payment to sussing out the ideal lender, there are so many things involved in purchasing a home that can make it seem like a rather complicated undertaking. However, like a lot of things in our lives, technology has streamlined the process in recent years. If you’re currently searching for a home on the market, here are some new technological advancements that may make buying a little easier for you.

The Smart Phone Advantage

The paperwork and requirements associated with a mortgage may not have changed much in recent years, but smart phones have provided us with the instant ability to see all the necessary documents from anywhere. While there was once a time it required a lot of time in front of a computer, smart phones have enabled people to fill in, review and reply to documents on the go, which makes for a much more efficient – and mobile – process.

The Implementation Of The E-Signature

It may seem like something that has been around for a while, but up until recently an approving signature on a document had to be provided in person. With all the mortgage documents that are needed to get the ball rolling, this type of approval took up a lot of extra time. Nowadays, instead of having to rush out to sign a paper, our mobility and legal laws enable anyone applying for a mortgage to be able to provide an e-signature, which means there is no waiting around on the backend.

Consult My Website

While there is still a lot of paper and information required in order to get approved, checking my website and using my mortgage calculator tools enables you to instantly determine how much your monthly payments will be and what the real cost of your home is when it’s all added up. Instead of the guesswork, these calculators can help you answer the question of whether or not a home is the right price.

The mobility and ubiquitous nature of today’s technology has made a lot of things much easier, and the mortgage process is no exception. From online calculators and tools that can better manage your mortgage to the use of e-signatures, there’s no reason getting a mortgage loan has to be rife with stress. If you’re looking into buying a home, please contact me for more information.

6658 E Whispering Mesquite Trail Scottsdale, AZ 85266

$1,475,000 - 3Br/3Ba -  for Sale in Parcel S Unit One At Terravita, Scottsdale
Open House
$1,475,000
3 Beds
2.5 Baths
3,009 SqFt
Status Active
MLS # 6776179
Property Type Single Family Residence
Price Type --
Welcome home to this serene sanctuary on Whispering Mesquite Trail in the highly sought-after Terravita neighborhood. Located on a spacious lot with no rear neighbors, this pristinely landscaped home comes with breathtaking mountain views! Head inside you will instantly notice the soaring ceilings, bright color scheme, plantation shutters and amazing natural light streaming throughout the house. The heart of the home boasts an open concept kitchen and family room space. The newly remodeled kitchen has an oversized island with extra storage as well as, upgraded SS GE Cafe Series appliances, recessed lighting and under cabinet lighting . The family room has a cozy gas fireplace with a clear view of the backyard. ((CONTINUED)) The master suite was made with relaxation in mind. The spacious suite has a recently remodeled en suite that doubles as a dressing room. The en suite has a walk in shower with an extra wide, zero grade entrance, double sinks with ample storage space and a vanity section. This home boasts two additional multi use spaces. Whether you need a den space, office area or prefer a formal sitting room and dining space, you have to option to create the home perfect for you! Head outside to your backyard desert oasis. The low maintenance area will be a prime location to watch a breathtaking Arizona sunset.

10730 N Linda Lane Flagstaff, AZ 86004

$1,474,999
4 Beds
4.5 Baths
4,285 SqFt
Status Active
MLS # 6738049
Property Type Single Family Residence
Price Type --
The electric gate opens. You take in the glorious ponderosa pines, the beautiful front yard, the circular driveway, the sprawling, welcoming single-level home, and the barn. The Alpacas come closer, curious. The mountains glow and shimmer as a stunning backdrop on one side, the national forest invites you on the other. As you breathe in and process this beauty, you know. You are home. Welcome. This is a unique opportunity to live your dream in a single-level home on almost 4 treed acres, backing national forest on 2 sides, with a separate guest house/apartment and a 6 stall barn with a workshop. The design of the home is fabulous. Family and friends will gather in the newly upgraded kitchen and dining area, or spill over into the greatroom. The wall of windows in the greatroom allows you to feel like you are surrounded by nature while relaxing inside. Behold the ponderosas, blue skies and the ever changing colors of the mountains in the near distance. The sunroom on the side of the kitchen is a perfect office or, why not? Use it as a sunroom. Do you need privacy? There is a bedroom and bathroom behind the kitchen, perfect as a guest suite, exercise area, or your office. The entry room is that highly desired second living area or play area. With a spacious primary bedroom and two additional bedrooms and bath, live and entertain with ease. Start every day peacefully waking to the mountain's dazzling and subltly changing hues in the morning sunlight. You may never want to leave. But wait. There is a detached apartment above the garage! House your teenager, your guest or rent it out! Equestrian? You will adore the 6 stall steel barn in excellent condition that now includes a full workshop. Toys? When you see the three car garage and additional breezeway you will want to buy more - there is plenty of space to store them. The breezeway lends itself to many uses. Imagine! RV? Hook it up! (septic for RV is not permitted). Let's walk the property. Breathe in the tranquility of the pines and enjoy the views of the mountains on your back deck. Listen to the soothing sounds of your water feature, the calming whispers of the wind in the trees and the birds chirping. Time to explore! Mount your horses, put on your hiking shoes or get your bike ready - lose yourself in the National forest from your back yard. You must spend time here to understand the peace, tranquility and opportunities offered by this unique home. Let us inpsire you. The home inspection has been completed. This home is in excellent condition. Owners are meticulous. Welcome.

8702 E San Daniel Drive Scottsdale, AZ 85258

$1,474,925
4 Beds
3.5 Baths
2,081 SqFt
Status Active
MLS # 6605563
Property Type Single Family Residence
Price Type --
Custom upgrades abound in this beautifully appointed 4 Bedroom, 3.5 Bath, 2 car garage home located in the sought after McCormick Ranch community of Vista De Cielo. Rich warm neutral tones give this home a modern, comfortable feel. Upon entry through the frosted glass paneled door, you are greeted by open concept living spaces w/ an exquisite electric fireplace in the living room flanked by 2 large windows showcasing the beautiful, lush backyard, extended patio and sparkling pool! Adjacent to the large dining room w/ elegant chandelier is the custom island kitchen w/quartz countertops, 2 tone cabinetry, waterfall island, new Monogram appliances including double ovens, microwave drawer, hooded ss vent, 6 burner stove top and a 36-inch built-in fridge. Large double-door office off the kitchen (could be used as a 4th bedroom) with a stunning floor to ceiling tile walled powder room across from the office. Don't miss the master with walk out, large walk-in closet, frosted glass barn door entry to the master bath with opulent free-standing tub and multi-head shower behind glass partition...stunning. If that wasn't enough...all secondary bedrooms are ensuites with their own private baths! Large laundry comes with a washer and dryer, custom cabinets and a sink! No expense spared! New windows, new roof, new a/c unit, new landscaping, interior & exterior completely remodeled, new custom-made garage door, synthetic smooth stucco finish throughout, custom iron gates throughout yard. Don't miss an opportunity to own this one-of-a-kind home ideally located near award winning golf courses, famed shopping malls, renowned hiking paths & more!

16244 N 21st Street Phoenix, AZ 85022

$1,472,000
3 Beds
2.5 Baths
2,829 SqFt
Status Active
MLS # 6750356
Property Type Single Family Residence
Price Type --
Discover unmatched versatility and potential in this custom-built MIXED USE property, designed for both residential and commercial needs. Built in 2020, the main home offers 2,869 sq ft of modern living space with 3 bedrooms, 2.5 bathrooms, a dedicated office, and a formal dining area. The spacious kitchen is equipped with two pantries, ideal for culinary enthusiasts, while the primary bedroom includes dual closets for added convenience. An 870 sq ft guest house with 2 bedrooms and 1 bathroom offers a private entrance and generates $1,600/month in rental income, providing immediate cash flow through April 2025. The property includes an attached 3-car garage plus a stand-alone 2-car garage/workshop behind the main home, along with a circular driveway and RV gates for easy access and ample space for large vehicles. Set on a spacious lot with no HOA restrictions, the property accommodates horses, RVs, commercial trucks, and equipment. Two sewer outflow pipes in the side yard provide flexibility for future expansion or commercial use. This prime investment opportunity combines modern comfort with endless potential, offering immediate income and a range of possibilities. Don't miss the chance to own a truly versatile property with both residential charm and commercial adaptability

6301 E Redfield Road Scottsdale, AZ 85254

$1,470,000
5 Beds
3 Baths
2,895 SqFt
Status Active
MLS # 6754911
Property Type Single Family Residence
Price Type --
This remodeled modern farmhouse home in the highly sought after 85254 zip code is turnkey and ready for a new owner. It has an open concept kitchen to living floor plan, large island, stainless steel appliances, and a custom-built in breakfast nook that makes this home perfect for entertaining family and friends. This 5 bed 3 bath, with a dedicated office ( currently used as a bunk room) is ideal for a family, great second home or investment property. With a full cosmetic update and luxury finishes this home is truly turnkey. The dream backyard comes complete with a large, covered patio with an outdoor tv, sparkling pool, putting green, bocce ball, hot tub, RV gate, upgraded pool equipment, and an a outdoor shower. Fantastic location just minutes from the Scottsdale Quarter, Golf, Kierland Commons, and not far from events like the Waste Management Open and the Barrett Jackson car show. Home is being used as a short-term rental and is being sold fully furnished.

760 N Ithica Street Gilbert, AZ 85233

$1,470,000
5 Beds
3.5 Baths
4,418 SqFt
Status Active
MLS # 6769874
Property Type Single Family Residence
Price Type --
Immerse yourself in the epitome of luxury living at this fully remodeled masterpiece nestled within the prestigious Eldorado Lakes Community in Gilbert, Arizona. Available furnished or unfurnished, this extraordinary residence is tailored to the discerning individual seeking an unparalleled living experience. The chef-inspired kitchen exudes elegance with its pristine white quartz stone countertops, top-of-the-line profile appliances, and a versatile breakfast bar for casual dining. The adjacent formal dining area sets the stage for unforgettable gatherings with friends and family. For a more intimate dining experience, the charming eat-in kitchen provides an additional inviting space. The inviting formal living room boasts soaring ceilings and an abundance of windows that invite natural sunlight to fill the space. The heart of the home lies in the expansive great room, where a cozy fireplace and generous space offer an idyllic setting for both entertaining and relaxation. Retreat to the tranquil master suite, where a two-way fireplace casts a warm and inviting ambiance between the bedroom and master bathroom. Step onto the private deck to revel in the captivating panoramic views of the pool and golf course, creating a true sanctuary within your home. Three additional guest bedrooms accompany the master suite on the same floor, along with an exquisitely remodeled bathroom. The main floor presents a second master suite, perfect for guests or an office, adorned with custom built-in cabinetry. The ground-floor master bedroom can be easily transformed into a tailored professional haven, featuring a fully remodeled ensuite bathroom with custom sliding glass barn-style doors for a touch of modern elegance. Car enthusiasts will appreciate the expansive 4-car garage, which features epoxy floors and ample storage space. The private and secure fourth stall currently houses an executive desk and matching shelving, ideal for an executive retreat or the ultimate man cave. The home is equipped with a monitored security system and is pre-wired for cameras and whole-house entertainment, offering a theater experience in the living room. Step outside to discover a meticulously landscaped backyard oasis, complete with a stunning diving pool and serene water feature. Don't miss this rare opportunity to experience luxurious living in Gilbert, Arizona. Immerse yourself in the unmatched opulence that awaits.

Phoenix AZ 85014

$1,469,000 - 4Br/4Ba -  for Sale in Karma Subdivision, Phoenix
Open House
$1,469,000
4 Beds
3.5 Baths
2,377 SqFt
Status Active
MLS # 6762202
Property Type Single Family Residence
Price Type --
Discover urban luxury in this low maintenance 2022-built home by Boyer Vertical in North Central Phoenix's smart home community, KARMA. Designed with sustainability in mind, this energy-efficient home boasts a 49-point HERS certification, SPAN electrical panel, Nest thermostats, EV charger, and Energy Star appliances. The heart of the home is a sleek, open kitchen with modern cabinetry, high end appliances, and a spacious waterfall island. The open-concept living room is flooded with natural light while large triple sliding glass doors seamlessly lead to two private patios for ultimate indoor-outdoor living. The first-floor primary suite offers built in office space, oversized walk in closet, and luxurious bath. Located in the highly sought after Madison School District with access to restaurants, coffee shops, shopping and major freeways.

8208 E Morgan Trail Scottsdale, AZ 85258

$1,465,000
3 Beds
2 Baths
2,482 SqFt
Status Active Under Contract
MLS # 6782416
Property Type Single Family Residence
Price Type --
Remodeled gem in McCormick Ranch. Situated on approximately 14,000 sq ft n/s landscaped lot, w/ updated pool and bbq. This home is spectacular w/ oversized master suite, his and hers walk in closets, wood floors throughout, gourmet kitchen and much more.

10220 N 175th Avenue Waddell, AZ 85355

$1,459,000
5 Beds
6 Baths
4,053 SqFt
Status Active
MLS # 6755960
Property Type Single Family Residence
Price Type --
Welcome to you new home in Waddell! This unique horse property with a rare opportunity for income producing potential is nestled in a serene location, offering many amenities for both horse enthusiasts and those seeking a tranquil retreat! Wrangle into your equestrian haven on a nearly 2 sprawling acres with an''A'' frame main house, modern guest house, charming casita, yoga studio, horse stables w/arena, and a myriad of mature citrus and shade bearing trees! The 2,008 sq ft main house holds loads of character and features a high vaulted ceiling in the family room, formal dining, durable tile flooring, 3 carpeted bedrooms, 2 bathrooms, neutral paint throughout, a galley kitchen fully equipped w/SS appliances, and large bonus room which can be your home office or covert into a bdrm. Main house with front, sideyard, and backyard patios offer plenty of room for entertaining! Storage galore with separate tool and tack sheds! Important extras include flood irrigation, tankless water heater, and bidet! The newly built 1,050 sq ft guest house boasts contemporary flair throughout with 10 ft ceilings, wood-look floors, a fully equipped kitchen including large walk-in pantry and breakfast bar, great room, a sizable bedroom with double doors, 1.5 bathrooms, laundry room, convenient front/side/back entries and wifi! The 125 sq ft casita with bathroom and wrap-around deck offers endless possibilities as extra space for guests, an art & crafts studio, detached office, reading room, or just your own private space! In the detached 870 sq ft yoga/fitness studio, you'll find an ample carpeted area for multiple purposes with 1/2 bathroom, & an adjacent foyer. The impressive horse boarding facility produces an approximate monthly revenue of $10k from 13 stalls and includes a lighted riding arena, tack rooms with electricity, and wash station. A must-see property with ample parking and NO HOA! Bring your best offer today!

8733 E Russell Street Mesa, AZ 85207

$1,455,000
5 Beds
4.5 Baths
4,325 SqFt
Status Active
MLS # 6763387
Property Type Single Family Residence
Price Type --
Desert Upland living at it's finest, with unparalleled city light and mountain views from all windows and wrap around balconies! With No HOA, this beautiful home sits on 1.2 acres and is only minutes from Saguaro Lake and Usery Mountain Regional Park. This home features 5 bedrooms ( 2 master retreats for multigenerational living...one upstairs and one downstairs), 4.5 bath, great room floorplan and 4 car garage (extended and over-height). High end finishes include extensive travertine flooring, travertine bathroom vanities and surrounds, marble tile jacuzzi tubs in both master bedrooms, cherry 42 inch staggered cabinetry with crown molding in kitchen, new Revati undermount, stainless steel workstation sink, new roof coating, new ac on east side, new Mohawk Smart Strand Carpet, new smart garage door openers, new 50 gal energy star water heaters, freshly painted exterior, Vivint smart home, gourmet kitchen with double ovens and built in refrigerator, mahogany floors in downstairs master bedroom, double sided fireplace in master bedroom, fireplace in great room and more! The wrap around balcony allows for a jacuzzi with access to electrical and water already in place. The lot also accommodates horses and RV parking. Close to hiking, restaurants, 25 min to Sky Harbor Int'l Airport and downtown Scottsdale you won't want to miss out on this amazing home!

43720 N Acadia Way New River, AZ 85087

$1,453,900
4 Beds
3.5 Baths
3,036 SqFt
Status Active
MLS # 6758276
Property Type Single Family Residence
Price Type --
Former gorgeous model home! Welcome to The Orion Monterey Model Home - a single-story gem offering 3,036 sq ft of luxury. This 4-bed, 3.5-bath home features a 20 ft multi-slide door and 12 ft glass wall in the Great Room, blending indoor and outdoor spaces. Enjoy mountain views from the extended covered patio. Highlights include an oversized kitchen island, a luxurious master suite with an oversized shower, a versatile den, and a multi-generational suite with its own amenities. Additional features: a 50 x 16 RV garage with workshop, a Ramada with an outdoor kitchen, a beautifully landscaped backyard, and practical touches like a pet shower and bench with lockers. For more information or to schedule a private tour, please contact us. Discover the perfect blend of elegance and practicality.

6828 N 177th Place Waddell, AZ 85355

$1,450,000
5 Beds
3.5 Baths
3,300 SqFt
Status Active
MLS # 6744338
Property Type Single Family Residence
Price Type --
This brand new beautiful home is nestled on a private street surrounded by other brand new beautiful homes. No HOA. The 1 acre lot provides ample space to build out your backyard how you have always dreamed. The detached Garage provides plenty of space for all your toys, cars, RVs, boats, etc. You do not want to miss this one!