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.

36709 N Stoneware Drive San Tan Valley, AZ 85140

$1,280,000 - 3Br/3Ba -  for Sale in Encanterra, San Tan Valley
Open House
$1,280,000
3 Beds
2.5 Baths
2,731 SqFt
Status Active
MLS # 6763814
Property Type Single Family Residence
Price Type --
You'll feel like home the moment you step into this beautiful Encanterra home. This Alora Plan is perfectly situated on the 16th tee with no fences or block walls to restrict your beautiful golf course, water, and Superstition Mountain views. Sit in the morning room to start your day or step out onto the travertine patio and enjoy the serenity of your surroundings as you watch the sunrise, or sip wine in the evening watching the mountains change in the reflective colors of the sunset. Desirable north south exposure allows you just the right amount of sun or shade along with your large front courtyard. Inside you'll find an amazing open floor plan with plenty of space to entertain or enjoy in your own way. The chef's kitchen is well appointed with high-end appliances, oversized island, granite counter, and cupboard space galore. Plenty of lighting including adjustable over-under cabinet and island lighting for just the right touch and mood. The smart room laundry area is well situated providing extra office, studio, or hobby space to enjoy. Every exquisite detail was carefully considered from crown molding, plantation shutters and upgraded tile throughout. If you're not ready to downsize quite yet or you need a little more elbow room, the 3 bedrooms plus a den will be perfect for you. The master suite with tray ceiling, expansive ensuite and walk-in closet gives you the space and privacy you desire, while guests can enjoy 2 large bedrooms and bathroom. No need to worry about parking or storage for all your toys as you have a 3-car garage with new epoxy flooring with built in cabinets. This home is just a short distance from La Casa and Algarve where you'll find resort style first-class amenities to enjoy including four pools, fitness center, pro shop, boutique, spa, restaurants, bars, pickleball, bocce ball, tennis, art studio and so much more. Abundant walking paths are found throughout the entire community. If you like convenience, you'll love being surrounded by all the shopping, dining, recreation, and entertainment that Queen Creek and San Tan Valley area has to offer. Come see for yourself why it's more than an incredible lifestyle that awaits you here at Encanterra.

4410 E Robin Lane Phoenix, AZ 85050

$1,279,900
3 Beds
3.5 Baths
2,984 SqFt
Status Active
MLS # 6763721
Property Type Single Family Residence
Price Type --
Welcome Home! This single-story gem is located a stone's throw from the A+ rated Desert Trail Elementary School & is surrounded by award-winning parks & lit walking trails. This Desert Ridge residence features an award-winning floor plan and has fantastic curb appeal, a professionally-designed backyard, including stacked stone walls that gives the home a resort-like feel. Gourmet kitchen w/ a walk-in pantry & a large island w/ an enormous amount of storage space with 32 cabinets. Buffet area allows for easy handling of large social events. Add the matching KitchenAid appliance package and a convenient R/O system and you have a dream kitchen. Close to Desert Ridge Marketplace, Loop 101, SR51 and I-17 freeways, hospitals, JW Marriott Desert Ridge, Wildfire Golf Club and more! The master bath is complete with 2 sinks, soaker tub and travertine shower and a huge master walk-in closet as well with plenty of hanger space. The 2 split bedrooms are over-sized and share a Jack and Jill bathroom. The hallway leading to the two bedrooms has a separate full bathroom that allows for being able to handle a high demand for family and guests. There is also a handy powder room located conveniently near the front entry. The dining room is complete with pillars and 12-foot ceilings that open to the living room. The backyard has your own resort feel. The play pool features a pebble-sheen finish and variable pump for easy and affordable care. A large grassy area, mature citrus trees, travertine pavers, convenient walkways and an entertainment area with a built-in bar-b-que really can turn the backyard into a true home vacation getaway. There is a dog run and a roomy Tuff-shed storage unit as well. The large 3-car garage has top of the line built-in cabinets for plenty of storage space and easy access to your water softener. Close to Desert Ridge Marketplace, loop 101, 51 and I-17 freeways, hospitals, JW Marriott Desert Ridge, Wildfire Golf Club and more.

28223 N 153rd Street Scottsdale, AZ 85262

$1,279,000
4 Beds
3.5 Baths
4,556 SqFt
Status Active
MLS # 6688578
Property Type Single Family Residence
Price Type --
Gorgeous home in a gated community with no HOA dues, with beautiful views of Four Peaks. 4 bedrooms plus a wood floor office, 3.5 bath, 4 car garage. 1 acre lot. Top of the line kitchen with Thermador appliances, dual range with a gas cook top and electric ovens. There are travertine floors and granite countertops throughout. This property has a shared well. No need for hauled water. You won't want to miss out on this custom built home!

41633 N Bent Creek Court Anthem, AZ 85086

$1,278,900
4 Beds
2.5 Baths
3,437 SqFt
Status Active
MLS # 6763707
Property Type Single Family Residence
Price Type --
This thorough & meticulous update will leave you speechless. Just send the invites... You'll want friends + family to enjoy this comfortable yet spectacular home. Backyard is perfect for a lively party or intimate gathering. The dramatic pool w/ multiple water features terminates at a swim-up bar with a sunken kitchen enveloped by a show-stopping rain waterfall. All expected conveniences are at hand, so you may need to reconfigure your lifestyle to spend more time right here! Mountain views with no homes facing, behind or to one side. Inside, almost nothing has been left undone: Floors, kitchen, baths, paint, HVAC, plumbing, fireplaces, fixtures, hardware... All with casual elegance, timeless style & eye toward long-lasting convenience & comfort. A MUST-SEE!

3947 E Crest Lane Lane Phoenix, AZ 85050

$1,278,880
4 Beds
3.5 Baths
3,538 SqFt
Status Active Under Contract
MLS # 6763656
Property Type Single Family Residence
Price Type --
Welcome to your dream home in Aviano at Desert Ridge! This vibrant community offers walking trails, a resort-style pool, tennis courts, state-of-the-art workout facilities, a business center, and activities for all ages. This beautifully remodeled 4-bedroom, 3.5-bath home with 2 bonus rooms features stunning contemporary finishes. The heart of the home is the open-concept kitchen, complete with a custom quartzite waterfall island and brand-new Wolf appliances, including a gas range. Step outside to your private oasis, where you can unwind by the pool with a newly tiled water feature and gas fire pit. The luxurious primary suite offers a serene sitting area and a spa-like bath with a soaking tub. With a prime location and a 3-car garage, this home has it all!

300 W Quartz Rock Road Phoenix, AZ 85085

$1,277,777
4 Beds
3.5 Baths
3,200 SqFt
Status Active
MLS # 6785209
Property Type Single Family Residence
Price Type --
MODEL HOME is AVAILABLE and is MOVE-IN READY (model home is located at 103 East Quartz Rock Road, 3 blocks to the east of this property). NEW HOMES ON ACRE+ LOTS with Mountain Views in a quiet neighborhood, yet just minutes from every possible amenity. Model Home & other lots are available in this same neighborhood, all on Acre+ lots ... SEE LISTER / BUILDER FOR DETAILS. List price includes standard exterior elevation, standard finishes, and allowances for utilities and site-work. Photos are of the available model home with upgraded finishes and exterior.

5671 N 208th Lane Buckeye, AZ 85396

$1,275,074
3 Beds
3.5 Baths
3,381 SqFt
Status Active
MLS # 6779831
Property Type Single Family Residence
Price Type --
This home offers a large private homesite with mountain views from your private backyard. There is a 16' sliding glass door at the family room to the outdoor living space. There is also a private interior courtyard bringing additional natural light into the home. The kitchen island is huge and perfect for entertaining or cooking for the holidays. The family room, kitchen and owner's retreat all have gorgeous tray ceilings. This home has it all. 2X6 CONSTRUCTION; EXTENSIVE NEW HOME WARRANTY; See you soon

43909 W Us-60 Highway Wickenburg, AZ 85390

$1,275,000
3 Beds
2 Baths
1,152 SqFt
Status Active
MLS # 6725364
Property Type Manufactured Home
Price Type --
PRICE IMPROVEMENT!! Set back right off HW60 with your own private road leading to a meticulously maintained 3-bedroom, 2-bathroom home. Featuring covered porches located on opposite sides of the home, perfect for relaxation and enjoyment of the serene surroundings no matter what time of day. Live in the home permanently, or just while you build your dream home and then have the opportunity to turn it into income property! No matter if you aspire to immerse yourself in ranch life or seek the perfect horse property with ample space and privacy, this property promises the perfect blend of functionality and comfort. With opportunities to indulge in the incredible lifestyle of ranch living with this property boasting custom-built barns, outbuildings, and expansive space tailored for horses and cattle. Nestled within stunning surroundings, the property borders state land on the South and West sides and provides your own private access. The outbuildings are one of a kind, and meticulously crafted by the original and only past owners. Along with the custom brick enclosed grill, 2 smoker pits or use them for delicious dutch oven cooking, creative tack room, loading chute and all the other features that truly make this property unique and special. You will never have an opportunity to own another home like this one. With your own private well and just over 19 flat, fully fenced and flood zone free acres the possibilities are endless. The property is also split into two parcels for additional options and opportunities. Seller is also open to selling parcels separately. Seize the rare opportunity to call this stunning property HOME!

2526 W Fernwood Drive Phoenix, AZ 85086

$1,275,000
4 Beds
3.5 Baths
2,810 SqFt
Status Active
MLS # 6758171
Property Type Single Family Residence
Price Type --
This stunning new construction spec house offers modern luxury and spacious living on a sprawling flat acre lot. Boasting 2810 square feet of carefully crafted open-concept living space, this home features a desirable split floor plan with 4 bedrooms and 3.5 bathrooms, providing ample space and privacy for the entire family. The heart of the home is the beautifully designed kitchen, perfect for entertaining and everyday living. The expansive living area seamlessly flows from the kitchen, creating a warm and inviting atmosphere for gatherings. In addition to the generous living space, this property comes with a rare and highly sought-after feature - a 4-car garage with an attached RV garage. Whether you're a car enthusiast or an avid traveler, this space offers the flexibility... and convenience you need. Outside, the vast acre lot provides plenty of room for outdoor activities, gardening, or even the possibility of adding a pool or guest house in the future. Located in a desirable area, this home offers the perfect combination of tranquility and convenience. Don't miss the opportunity to make this exceptional property your own. This home is ready for occupancy, come experience the luxury and comfort this home has to offer! Note, Photos are of same model home, previously completed.

43320 N 11th Street New River, AZ 85087

$1,275,000
3 Beds
2.5 Baths
3,120 SqFt
Status Active
MLS # 6714157
Property Type Single Family Residence
Price Type --
Welcome to your future dream home! This proposed new construction offers an exciting opportunity to create the perfect living space designed for your lifestyle. Once contracted, this thoughtfully designed floor plan will be built to meet the highest standards of quality and modern design. This spacious ranch offers over 3,120 square feet of living space, featuring a well-appointed design to facilitate bonding with friends and family. The primary suite includes dual closets and an oversized bathroom that can be upgraded for a more luxurious experience. The price covers the lot, base home, site preparation, around $100K in upgrades, and an RV garage. To begin the process, Adair Homes must be contracted for construction. The buyer will first purchase the lot from the seller, and then engage a builder specializing in build on your own lot projects. You'll work directly with the builder to select the floorplan, elevation, and finishes to customize the home to your preferences. For added convenience, the builder's preferred lender can streamline the financing process with a single loan that covers the lot purchase, site improvements, home construction, finishes, and the long-term mortgage. The entire construction timeline is estimated to take up to 12 months from the time the new home construction contract is signed, offering a realistic timeframe for bringing your vision to life. This is a unique opportunity to build your custom home in a setting that combines the best of modern living and nature. Don't miss out on the chance to create a home that is truly yours!

235 Airport Road Sedona, AZ 86336

$1,275,000
3 Beds
2 Baths
1,672 SqFt
Status Active
MLS # 6753440
Property Type Single Family Residence
Price Type --
Welcome to the Wild Wild West, where this Historic property tugs on your heart & has you crooning the songs of Sedona yesteryear. The home itself is a Cowboy Bunkhouse, & according to the seller, it is older than County record: it was actually built in 1918. Original features like a wood burning fireplace, sloped living room ceiling, red rock interior, & unique wood walls throughout have been updated with modern amenities like insulation, new sliding glass doors & windows, & easy to clean luxury vinyl plank flooring. The oversized lot has an outdoor game room area in place of the old carport, plus a two-car garage that has a large workshop area inside. Sweeping views of Thunder Mountain & Coffee Pot Rock take your breath away. It is only a block up the road to Airport Vortex Trailhead. Home is an active Airbnb licensed with the City of Sedona, with the Seller having Superhost status, currently 274 reviews & plenty of bookings lined up for the rest of the year. Property is being sold turn key, fully furnished, with the exception of some personal items. This Historic Cowboy Bunkhouse will serve as an excellent vacation home, primary residence, or investment property. Fun fact: when the neighboring subdivision of Saddlerock was previously a sprawling ranch decades ago, the Cowboys would work 12 hour shifts then come back to this Bunkhouse to sleep. Enjoy the efforts of those Cowboys all these years later, & have a fully fenced backyard plus perimeter fencing to give you ample privacy, & enjoy peace of mind with a new roof & new eco-conscious mini splits. There is a pergola to revel in a warm summer's day, two raised yoga /pilates/meditation decks, & a fully turfed yard to play with Fido during Golden Hour. Soaking in the hot tub underneath the stars is sure to stoke the fire in your heart for our sweet little Sedona. Zoned to possibly split or build a casita, your options abound. Come feel what it's like to walk to multiple trailheads less than a half mile away, be in awe of Red Rock views, and vibe with the colorful history of the Southwest.

7143 E Highland Road Cave Creek, AZ 85331

$1,275,000
3 Beds
3 Baths
3,169 SqFt
Status Active
MLS # 6772471
Property Type Single Family Residence
Price Type --
Positioned on 2.5 acres in the scenic desert town of Cave Creek, this stunning Territorial Santa Fe-style home is a perfect blend of traditional charm and modern efficiency. Boasting multiple large living areas, the home features soaring vaulted ceilings, an entryway tower, and exquisite wood accents throughout. Exposed beam ceilings, cozy fireplaces, Saltillo tile and arched windows enhance the southwestern ambiance. Tesla solar panels make for affordable utilities, combining sustainability with luxury. A 757-square-foot detached guest house offers extra space for visitors or rental opportunities. Outdoor living is at its finest with expansive patios, a ramada for shaded gatherings, and breathtaking views of natural desert landscaping and iconic Saguaros. Equestrian enthusiasts will appreciate the ample space for riding and easy access to Grapevine Wash for endless trails. This is a rare gem for those seeking a peaceful retreat in the desert with room to entertain, relax, and enjoy the beauty of the Southwest.