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.

8 Biltmore Estate Unit 107 Phoenix, AZ 85016

$1,145,000
2 Beds
2 Baths
1,726 SqFt
Status Active Under Contract
MLS # 6778441
Property Type Apartment
Price Type --
Stunning single level luxury condo located on the Arizona Biltmore Golf Course, perfect end unit opening onto the golf course with wonderful expansive views and one of largest patios, private front outdoor entry area opening to the unit, gourmet kitchen and great room featuring slab granite counters, beautiful updated cabinetry, stainless steel appliances, wood and stone floors, split primary suite with great views, primary bath features travertine shower, large soaking tub, 2 updated vanities with lighted mirrors and 2 walk-in closets. Step out on your expansive back patio and enjoy the views of golf course & mountains, all of this and a multimillion dollar club house with private workout facility, pool & spa and on site 24 hour guard, closely located elevator that leads to

205 W Quartz Rock Road Phoenix, AZ 85085

$1,145,000
4 Beds
3.5 Baths
3,529 SqFt
Status Active
MLS # 6665297
Property Type Single Family Residence
Price Type --
Seller is offering 2-1 Buydown to lower your interest rate to 5.125% for the 1st year! Private oasis with detached guest home located on over an acre of with city lights and mountain views. Only 2 blocks from the Preserve's 38-miles of hiking and horseback trails. The 2506sf open floorplan, wood beamed ceilings, and Arcadia doors create a bright, inviting space. A spacious kitchen offers granite counters and plenty of storage. Primary suite has 2 walk-in closets, jetted tub and walk-in shower. Outside, relax on the covered patio or by the pebbletec pool. New exterior paint, new carpet in bedrooms and 2 new AC units. The detached building includes over 1,000sf of livable space with a kitchenette and full bathroom, plus a 1-car garage & workshop. County island with no HOA

429 W Mary Patricia Drive Payson, AZ 85541

$1,145,000
4 Beds
4 Baths
3,233 SqFt
Status Active
MLS # 6674329
Property Type Single Family Residence
Price Type --
Discover your dream home that marries secluded luxury with the untamed beauty of nature. This majestic residence bordered by the expansive beauty of a National Forest with access to the tranquil E Verde River stands as a beacon of rustic elegance, offering panoramic vistas of awe-inspiring red rock formations that captivate the soul. Crafted with meticulous attention to detail, the interior features rustic stone flooring and pine vaulted ceilings, enhancing its mountainous charm and warmth. Each window frames a painting-like view, ensuring that no corner of this home is untouched by the breathtaking landscape outside. The expansive outdoor living area is a highlight, boasting a large fireplace that promises cozy evening fires under the stars. It's a space designed for both relaxation and entertainment, with ample room to play games and unwind in the embrace of nature. The property's rich history as an ancient Indian fishing camp adds a layer of intrigue and connection to the land, inviting exploration and discovery along the river, where secluded pools await for fishing or a refreshing swim. Adventure seekers will find joy in the direct access to wilderness areas, offering miles of trails for ATV explorations and hiking, ensuring every visit brings a new experience. The entry level of the home is thoughtfully designed for accessibility and comfort, featuring a large family room, two bathrooms, and two bedrooms with private entrances from the spacious outdoor stone patio. This level also includes a second kitchen, an additional family room, and a laundry area, providing convenience and flexibility for guests and family alike. Ascending to the main level, the heart of the home reveals itself in a designer kitchen that exemplifies indoor/outdoor living, seamlessly integrating the stunning natural surroundings. The primary suite, complete with an ensuite bathroom, offers unrivaled serenity and luxury. An office with arguably the best views in the house ensures inspiration and productivity amidst the tranquil beauty.

11621 N 134th Street Scottsdale, AZ 85259

$1,145,000
3 Beds
3.5 Baths
2,184 SqFt
Status Active Under Contract
MLS # 6754237
Property Type Single Family Residence
Price Type --
ARIZONA LIVING AT IT'S BEST! Rare Find, seems like new, immaculately maintained 2nd home. Has all the finest finishes & Just painted 8/24 interior & exterior. Impressive old world turret entry to gated courtyard to model perfect single level home with separate private entry guest casita. Main house boasts two bedrooms, an office & 2.5 bathrooms. State of the art kitchen w/wolf gas cooktop & oven & pasta filler, sub zero frig, Asko DW, granite countertops. Open floor plan to dining area, bar & great rm with fireplace with exit to covered patio, heated spa-pool & colorful sunsets. Upper deck has 180 degree VIEWS of mountains, city lights & Camelback Mountain. Upgrades t/o, premium lot, domed ceilings, art niches. In exclusive gated Vista Collina. 20 single family luxury home enclave. THIS IS NOT A CONDOMINIUM AS SHOWN IN TAX RECORDS. IT IS A SINGLE FAMILY DETACHED HOME. Gated Side yard for your family pet to romp. Close to fine dining, shopping, desirable Scottsdale & BASIS Schools, hiking trails, the Mayo Clinic & easy access to freeways.

1139 E Dolores Road Phoenix, AZ 85086

$1,140,000
4 Beds
3.5 Baths
3,038 SqFt
Status Active
MLS # 6681675
Property Type Single Family Residence
Price Type --
Another beautiful home by NEXTGEN Builders to be built: 4 BD plus office/den, 3.5 BA, high quality luxury home, oversized 2 car gar plus 46+' RV gar with 12x14' tall garage door. Large lot. No HOA, oversized contemporary front door, 2x6 framed exterior, large kitchen island, quartz counter tops throughout. All bedrooms have walk-in closets. Master bath has large entry shower with standalone tub and double sinks. 8' doors throughout. High ceilings, energy efficient spray foam insulation, post tension foundation, Pictures are of model home.

2775 S Baker Drive Apache Junction, AZ 85119

$1,140,000
4 Beds
3.5 Baths
3,273 SqFt
Status Active
MLS # 6721580
Property Type Single Family Residence
Price Type --
Breathtaking Home with Spectacular Mountain Views nestled on 1.3 acres of serene living, perfect blend of tranquility and luxury. Owner's suite is a private retreat featuring a spa-like bath with glass shower, soaking tub, and a walk-in closet with ample storage. Split Floorplan: This thoughtfully designed layout ensures privacy with the owner's suite on one side and a large flex room along with three guest rooms in another wing. One guest room with en suite bath, while two others share a convenient Jack and Jill bath. A powder room is perfectly situated off the flex space/living room. With 10ft ceilings, spray foam insulation for superior energy efficiency, and large dual pane windows framing picturesque views, every detail of this home exudes elegance and comfort. The heart of the home is an expansive open kitchen featuring a huge center island with quartz counters, a large walk-in pantry, A 4-car garage provides ample space for your vehicles and storage needs, including a dedicated charger for electric vehicles. The meticulously planned yard offers spaces for everything - from enjoying the views to hosting BBQs in the dedicated entertaining area. Artificial turf ensures low maintenance, while well-planned drainage and a garden area cater to all your outdoor needs. There's even space for an additional dwelling, with plans for the next phases of yard development available (pool ADU). The property features a shared well with 4 other homes, reaching 550 ft deep with water at 240 ft. A water softener and RO system ensure high-quality water throughout the home. Spray foam insulation offers excellent energy efficiency. Escape the hustle and bustle with light-restricted nighttime living, perfect for stargazing and enjoying the peaceful ambiance of your surroundings.A few days each year, for just a few minutes, the sun projects a larger-than-life shadow of a cougar chasing its prey, known as the Cougar Shadow. Witness this breathtaking natural event right from your own backyard. This custom home is more than just a place to live; it's a lifestyle. Don't miss the opportunity to make this extraordinary property your own. Experience the perfect balance of luxury, comfort, and natural beauty.

17810 E Stocking Trail Rio Verde, AZ 85263

$1,139,900
2 Beds
2.5 Baths
2,186 SqFt
Status Active
MLS # 6762458
Property Type Single Family Residence
Price Type --
Welcome to your Spanish Hacienda in the 55+ community of Trilogy at Verde River. Wow!! This 2 bedroom, 2.5 bath home is absolutely stunning! The front courtyard has an inviting sitting area with an exterior fireplace. As you enter the home, you'll see the den/office, with a barn door. The hallway opens to the kitchen & great room. There are luxury upgrades everywhere! Wide plank tile flooring throughout, with some fun, white washed tile in the bedrooms to make a statement. Beautiful plantation shutters, and the sliding glass doors along the back to bring the outdoor living in. The outside patio has plenty of room for entertaining & the landscaping is exquisite! There is a walking path around the home, to give a little more space to the left side and behind. Trilogy has too many amenities to mention. The Resort style pool, a lap pool, Eddy's Poolside dining, Alvea Spa, a golf course by Tom Lehman, Afturburn Fitness Center, Tennis & Pickleball Courts. Bocce Ball, a 7.5 acre Dog Park, Needle Rock Restaurant, Cooking Classes at Helen's Kitchen, Classes at The Art Loft, outdoor concerts and more!! This is not just a community, it is a lifestyle. Truly a one of kind home, don't miss it!

9703 N 175th Avenue Waddell, AZ 85355

$1,139,000
4 Beds
5 Baths
3,776 SqFt
Status Active
MLS # 6658676
Property Type Single Family Residence
Price Type --
Everything you need is right here! Bring all your critters to this home which offers an ideal layout for modern multi-generational living. There is a casita/mother-in-law suite with a full kitchen, bathroom and its own garage. The main house features a master suite, two bedrooms, an office, a jack-and-jill bath, two half baths, and a variety of timeless finishes. Appreciate the high ceilings with exposed wood beams, a built-in entertainment center, stained concrete flooring, exquisite light fixtures, and crown molding. The kitchen is a culinary haven with custom cabinetry, granite countertops, a beautiful backsplash, and a large island/breakfast bar. A sizable detached garage enhances the property, offering extended covered parking, barn doors, full electric, and water connections. Enjoy stunning views of the White Tanks and Arizona sunsets from this exceptional dwelling. No HOA and horse privileges seals the deal. Waddell is an ultimate equestrian community that, with the help of some modern advancements, has the opportunity to live in a fantastic climate where they can ride their horses year-round. The sunny weather allows for easy access to riding and plenty of space for arenas and washes stalls. This is because Waddell, AZ, has irrigation canals that help the community sustain their animals at a reasonable cost to irrigate their land. This is why Waddell is considered one of the best places to live for equestrian enthusiasts in the west valley. The White Tanks Regional Park is nearby for all of these great outdoor activities such as picnics, camping, hiking, mountain biking and horseback riding.

2433 E Charlene Place Phoenix, AZ 85024

$1,139,000
4 Beds
3.5 Baths
4,319 SqFt
Status Active
MLS # 6754679
Property Type Single Family Residence
Price Type --
So many recent renovations and upgrades! All new luxury flooring, kitchen, bathrooms, lighting, custom closets, custom cabinetry in the laundry room, all new landscaping with new drip system and lighting, etc. This is a beautiful home on a corner lot backing to the wash with only one neighbor. Enter into the formal living room with soaring ceilings and lots of natural light. Giant open kitchen with breakfast bar, stainless steel appliances, wall mount double ovens and walk-in pantry. Massive family room and loft provides ample room for large family fun. The luxurious master suite has a bonus room perfect for an office or exercise area. The backyard oasis is an entertainers dream. Has pool fencing for child safety. Must see to fully appreciate!

28455 N 67th Drive Peoria, AZ 85383

$1,139,000
4 Beds
4 Baths
4,085 SqFt
Status Active
MLS # 6770625
Property Type Single Family Residence
Price Type --
Highly UPGRADED & CUSTOMIZED Camelot Home in exclusive gated community! 3 bdrms + private office w/built-ins on main living areas on lower level. Huge bonus room(4th bdrm) up, w/wetbar, bar frig, and a 1/2 bath. 2nd bonus rm off garage has mirrored wall, great workout rm, dance/art studio. RARE 4+car garage w/room for boat or ATV, Nice gated private courtyard entrance. Large open kitchen w/island. New custom fireplace wall in living area. Travertine tile flooring. Plantation shutters too! Master has exit door to East facing covered patio with Pergola extension and grilling station. Peek-view of the hills. An extra storage room near back yard and garage for all the extra space you need. Shell shape pool with waterfalls, yard is large, plenty of space to play, landscaped with Turf. MORE!

11268 N Williamsburg Avenue Surprise, AZ 85388

$1,138,995
3 Beds
2.5 Baths
2,656 SqFt
Status Active
MLS # 6753243
Property Type Single Family Residence
Price Type --
Ready in Fall 2024, modern luxury meets elegant design in this stunning quick move-in home. This St. Helena floorplan welcomes you in with a stunning well-appointed foyer. The gourmet kitchen makes a statement with its premium finishes, upgraded cabinets, and stainless steel appliances. Embrace relaxation in the sun-filled great room that is bursting with natural light and is adjacent to the kitchen and casual dining area. The primary bathroom suite offers the perfect getaway with a resort-like shower complete with a sitting area, as well as free-standing tub and walk-in closet. Escape with the family with the home's covered outdoor patio that is enhanced with a fireplace and stunning West facing mountain views.

50 Talia Court Sedona, AZ 86336

$1,137,000
3 Beds
2 Baths
1,923 SqFt
Status Active
MLS # 6754313
Property Type Single Family Residence
Price Type --
Charming Primary OR Getaway Home. NO HOA, STR FRIENDLY, PRIME Sedona Location. Step into a meticulously maintained Cavanaugh Southwest Beauty has SPACIOUS Great Room Living with high ceilings and split floor plan. The impressive rustic entry door adorned with iron nail accents invites you into this open, bright and comfortable single level home. Feel the immediate warmth from the Saltillo tile in foyer and dining area. Kitchen boasts granite counters with full backsplash, Viking SS appliances including fridge and gas oven cooktop/hood vent and a SS two-compartment sink, prep island, pantry, breakfast bar and nook, Custom SW cabinets. Additional option for dining space in Great Room which features recessed lighting and track lighting to showcase artwork. Dual double doors for access to the backyard. Perfect set-up for entertaining guests. Spacious primary bedroom suite has large soaking tub, separate shower, dual vanities, private commode, walk in closet with built-in shelves and bi-level hanger rods for efficiency and extra storage behind door. Guests will enjoy privacy and comfort of the two additional bedrooms with a full bathroom between them. Enjoy the privacy of the Fully Enclosed, level backyard with mature trees and plants along the perimeter. Grab your favorite beverage, relax in the shade from the Juniper tree and take in the amazing dead-on view of Cathedral Rock to the West. Outdoor grilling and dining on the patio is always in season. Plenty of additional patio space for potted plants and yard space for multiple flower/ vegetable garden beds. Large laundry room includes Whirlpool washer and dryer, folding station, extra storage and utility sink. Other features include NEW Lennox HVAC, ecobee thermostat, art niches and much more. Roof replaced in 2021. Close proximity to world-class hiking and biking trails, shopping, golf and all Sedona/VOC amenities, living is easy within this quality-built home with a super-functional floor plan on a large level lot. What are you waiting for? Make this special property yours today!