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.

19725 E Escalante Road Queen Creek, AZ 85142

$649,995
3 Beds
2.5 Baths
2,500 SqFt
Status Active
MLS # 6762361
Property Type Single Family Residence
Price Type --
Welcome to this absolutely beautiful home nestled in West Park Estates in Queen Creek. Offering 3 spacious bedrooms, a versatile den, and a dining room, this home is designed for both comfort and luxury. Step inside to a large living room that flows seamlessly to the heart of the home—a gourmet chef's kitchen equipped with a large island, sleek quartz countertops, brand-new appliances, a gas cooktop, and a convenient butler's pantry. The oversized back sliding door invites you to a large covered patio, perfect for outdoor entertaining. Enjoy relaxing on the expansive front porch with its cozy sitting area. The spacious secondary bedrooms share a Jack and Jill bathroom, while the luxurious primary suite boasts a floor-to-ceiling glass and tile rain shower, along with a large walk-in . . . closet that connects directly to the laundry room for ultimate convenience. Additional highlights include an extended-length garage, tankless water heater, and the oversized sliding door that brings the outdoors in, double gates on the east side, and a single gate on the west side. Minutes from downtown Q.C. where you will find great dining options, shopping, and entertainment. Within walking distance of Mansel Carter Oasis Park and Lake. This is a prime location for an incredible estate. Every detail has been thoughtfully crafted, making this home an ideal choice for anyone seeking style, comfort, functionality, and location.

2567 N 195th Drive Buckeye, AZ 85396

$649,995
4 Beds
3 Baths
2,570 SqFt
Status Active
MLS # 6761230
Property Type Single Family Residence
Price Type --
The Former Celeste Model is for Sale. home across from the neighborhood park. This home includes many options such as: 10' ceilings w/tray ceilings at the entry & extended entry, Gourmet Kitchen with stainless steel GE appliances including a 36'' gas cooktop, hood, oven and microwave in the wall, quartz countertops, full kitchen backsplash, pendant lights over the kitchen island, walk-in pantry, center meet doors at the nook, deluxe primary bathroom #2 which has the oversized walk-in shower, walk-in closet in primary bathroom, pre-plumbed for sink in laundry room, pre-plumbed for water softener, tankless water heater, gas stub at the patio, service door in the garage, 8' garage door, pavers in the driveway, walkway and entry. Stop in to see this beautiful model home in person , walk-in closet in primary bathroom, pre-plumbed for sink in laundry room, pre-plumbed for water softener, tankless water heater, gas stub at the patio, service door in the garage, 8' garage door, pavers in the driveway, walkway and entry. Stop in to see

7552 E Elena Circle Mesa, AZ 85208

$649,990 - 4Br/2Ba -  for Sale in Apache Country Club Estates, Mesa
New
$649,990
4 Beds
2 Baths
2,048 SqFt
Status Active
MLS # 6788968
Property Type Single Family Residence
Price Type --
Welcome home! Tastefully remodeled single-story home on a HUGE lot, 4+ car garage featuring an air-conditioned shop, a diving depth pool, two oversized RV gates, two carports, and NO HOA! Kitchen includes 42'' upper cabinets, solid surface counters, and wood look ceramic tile. Three LARGE bedrooms plus a den featuring a tray ceiling. Primary suite also has a private office/gym with barn doors. Bathrooms feature floor to ceiling tile and soft close cabinets. Oversized covered patio with ceiling fans throughout are great for entertaining. Completely remodeled Pebble-Tec pool has new equipment and warranty! Newer dual pane windows with UV film and all LED lighting throughout make this home very energy efficient. The detached shop is air conditioned, plumbed for air, has an oversize garage door and carports on both sides, all behind a massive 14' wide RV gate. On the other side of the home there is a 12' RV gate. Enough parking for ALL the toys!

10011 E Thistle Avenue Mesa, AZ 85212

$649,990
5 Beds
3 Baths
2,550 SqFt
Status Active Under Contract
MLS # 6771939
Property Type Single Family Residence
Price Type --
Reside at ONE OF ARIZONA'S MOST DESIRABLE MASTER PLAN COMMUNITIES IN THE SOUTHEAST VALLEY... The HAVE-IT-ALL RESORT LIFESTYLE ALL WITHIN... WELCOME TO CADENCE. Situated on a Prime Private Corner Stadium Palm View Home Site with only one neighboring property & Open-Air Views, this Newer 2023 TRI-POINTE Magazine Model Residence offers the TOTAL MOVE-IN READY HOME/COMMUNITY PACKAGE. Showcasing $73,500 in BUILDER LUXURY UPGRADES throughout + $40,000 invested in additional OWNER IMPROVEMENTS (See Upgrade List), Distinctive Modern Desert Exterior w/Front Portico Courtyard Entry/Patio, Step inside to the Open Great Room ''Vineyard'' Floor Plan influencing everyday functionality & featuring a Professional Chefs Gourmet Kitchen w/built-in appliances & high-end finishes/features everywhere, 12' Glass Wall Sliders influencing extraordinary Indoor/Outdoor themed views/festivities, downstairs bed/bath, large upstairs loft space, Private Owner Suite w/sizable walk-in closet, Finished 2-Car Garage w/Premium Organizational Features, Electric Outlet for Car Charging + Whole Home Water Softening/RO Systems, Today's Must-Have Energy Efficiencies you want in the Desert, Transition outside to the COMPLETELY FINISHED & REFINED LOW-MAINTENANCE GARDEN SPACE modeling covered patio, green turf package, extended hardscape borders/patios, landscape lighting accents, mature pygmy palms/flowering plants, Take in Sunset Views w/Scenic Resort Palms lining the Horizon, Beyond Your Front Door... Cadence is designed for a mixed use community featuring First-Class Amenities that go far beyond the norm. The Center Point of the community is The Square featuring a Play Pool with Twisting Chute Slides & Lap Pool, Spa, Moto - State of the Art Fitness Center, Flourish Community Center - Indoor/Outdoor Social Gatherings, Game On - Community Space filled with Games, Stir - Casual Social Hangout with Coffee/Tea, Several Parks throughout including a Dog Park for your furry family members, sports courts, Lush Resort-Style Community Landscaping with Palm Drives, Excelling School Options including Silver Valley Elementary within walking distance just down the street, Sequoia Pathfinder Academy & Basis just to the North & Prime proximity from San Tan 202 & 24 Freeways. With easy transportation access and surrounded by excellent employment, Cadence at Gateway is one the most successful communities in The Valley of the Sun! ***Homeowners recently completed 1-year walk-through with builder ensuring property was free of noted defects and/or discrepancies with workmanship. Avoid this stressful and time consuming phase in the new construction process, and take advantage of moving right in to this BETTER THAN NEW Move-in Ready Residence with Out-of-Pocket POST NEW DELIVERY Finishes already completed. EXPERIENCE IN PERSON. MAKE THIS LIMITED HOME OFFERING YOUR CADENCE SANCTUARY FOR THE HOLIDAY SEASON!

16622 W Watkins Street Goodyear, AZ 85338

$649,990
4 Beds
2 Baths
3,498 SqFt
Status Active Under Contract
MLS # 6770504
Property Type Single Family Residence
Price Type --
Fixer-Upper opportunity sold AS-IS. Rare basement home on lush irrigated acre, No HOA, bring your dreams, toys & animals to enjoy the land & possibilities. Well loved home includes 4 bedrooms, 2 bathrooms & one unfinished bathroom plus 2 additional rooms for offices, craft rooms, storage, you choose. Spacious family with dining room at ground level & large family/bonus room in the basement. Two car garage with lots of room for parking on the extended driveway. Workshop storage room attached to the garage. Additional slab with newer shed in the backyard held 3 cars, offers space for extra storage & parking. Newer roof last 5 years. Energy efficient assumable solar panel lease. Mature fruit orchard has grapefruit, pink grapefruit, lemon, plum, apple, apricot, tangelo and tangerine trees.

34946 N Jacobs Road San Tan Valley, AZ 85144

$649,990
3 Beds
2.5 Baths
2,692 SqFt
Status Active
MLS # 6716316
Property Type Single Family Residence
Price Type --
Welcome to your dream home! This beautifully designed 3-bedroom, 2.5-bath home offers not only a spacious, open floor plan but also a layout that perfectly balances style and functionality. Step into the expansive chef's kitchen, where you'll find high-end appliances, generous counter space, and an island ideal for entertaining and meal prep. Adjacent to the kitchen is a versatile bonus room, perfect for a home office, gym, or playroom. Need more space? In addition to a generously sized laundry room that can double as a craft room this home has an impressive, insulated 4-car garage. This vast space opens up endless possibilities - from a workshop or home gym to additional storage or even a cozy hangout area. This home has it all, luxury living at its finest. Garage is equipped with 240V outlet. Simply Safe system transfers with home.

12666 E Crystal Forest -- Gold Canyon, AZ 85118

$649,990
4 Beds
3.5 Baths
2,464 SqFt
Status Active
MLS # 6762842
Property Type Single Family Residence
Price Type --
Discover this stunning single-level, four-bedroom, three-bathroom home featuring N/S exposure and INCREDIBLE SUPERSTITION MOUNTAIN VIEWS. The light and bright split floor-plan offers spacious living with a large open room, and a versatile flex space. The kitchen is a chef's dream, boasting abundant counter space, cabinets, and a vast island for storage. Enjoy the outdoors with a full wall of windows showcasing the perfect view, leading to a beautiful sparkling pool, elevated spa, and open grassy area behind. The home also features BRAND-NEW CARPET and common areas both in front and behind. Built in 2019, this home is move-in ready!

310 S 4th Street Unit 2002 Phoenix, AZ 85004

$649,950
2 Beds
2.5 Baths
1,405 SqFt
Status Active
MLS # 6766851
Property Type Apartment
Price Type --
Unmatched Luxury with Breathtaking Views in the Heart of Downtown Phoenix! Perched on the 20th floor of The Summit at Copper Square, this stunning residence offers an extraordinary lifestyle with sweeping views of the city skyline, epic Arizona sunsets, and the majestic mountains beyond. Imagine coming home to floor-to-ceiling windows that showcase the best of Phoenix from every angle, blending modern luxury with urban convenience. Located just steps from Footprint Center and Chase Field, you'll be able to walk to enjoy Suns, and Diamondbacks games, as well as an endless rotation of world-class concerts and entertainment, all just minutes from your front door. This premier high-rise community offers everything you need to live in style, including a heated pool and spa, fire pit, media room, sauna, state-of-the-art fitness center, and an exclusive rooftop party room perfect for entertaining. Whether you're seeking the excitement of downtown living or a serene retreat high above the city, this unit delivers it all. Don't miss this rare opportunity to elevate your lifestyle. Experience downtown living with everything at your fingertips and start living the life you've been dreaming of today!

3165 E Indigo Bay Drive Gilbert, AZ 85234

$649,950
4 Beds
2 Baths
2,274 SqFt
Status Active
MLS # 6765310
Property Type Single Family Residence
Price Type --
Located in a desirable Gilbert neighborhood, this spacious 4-bed, 2-bath home is a perfect blend of style, comfort, and functionality. Set on a North/South-oriented lot with no rear neighbors, enjoy peace and privacy along with stunning features inside and out. Step into an open-concept living and dining area with vaulted ceilings that create an airy and inviting atmosphere. The gourmet kitchen is a chef's dream, complete with granite countertops, stainless steel appliances, a walk-in pantry, and a center island perfect for meal prep and casual dining. The split floor plan offers maximum privacy, with the primary suite featuring a cozy sitting area, direct access to the backyard, and a luxurious en-suite bathroom. The spacious backyard is an entertainer's paradise.

930 E San Juan Avenue Phoenix, AZ 85014

$649,950 - 3Br/3Ba -  for Sale in Townhouse Terrace 1, Phoenix
Open House
$649,950
3 Beds
3 Baths
1,903 SqFt
Status Active
MLS # 6766402
Property Type Single Family Residence
Price Type --
Price Enhancement! Location and Charm!! You do not want to miss this beautiful 3 bed/ 3 bath home nestled in the HEART of Uptown Phoenix. Highly coveted Madison School District! Cozy wood flooring and modern concrete floors will guide you throughout this well-designed residence. Your new kitchen awaits, with gorgeous granite countertops, stainless steel appliances and rich cabinetry, with a large walk-in pantry to store all of your cooking essentials. The primary suite and expansive walk-in closet, with welcoming natural light will surely impress! Your primary ensuite will provide double vanities, separate shower and a massive jetted tub! Entertain family and friends in your privately paved backyard with string lighting and mature trees, to set the mood for any occasion. The backyard storage shed could potentially be transformed into your very own casita or backyard office space, already equipped with electricity! The possibilities are at your fingertips. This home is ready for it's new owner, so book a private tour today!

26982 N 168th Lane Surprise, AZ 85387

$649,900
4 Beds
3 Baths
3,240 SqFt
Status Active
MLS # 6780165
Property Type Single Family Residence
Price Type --
FORMER MODEL HOME! This beautifully designed 4-bedroom, 3-bathroom, 3,240 sq. ft. home offers a luxurious living space. From the moment you step inside of this open concept, thoughtfully laid out floorplan, you'll notice the high level of upgrades throughout, including a gourmet deluxe kitchen equipped with top-of-the-line kitchen aid appliances, generous amount of cabinetry and countertop space. Making this the perfect home for entertaining. Opening your second level living to a sprawling loft of 32x12 sq ft, a primary suite that boasts a spa-like bathroom complete with a tub and shower combination for ultimate relaxation. Furniture is not included, but may be offered for an additional fee.

13480 N Gladstone Hill Place Marana, AZ 85658

$649,900
4 Beds
3 Baths
2,577 SqFt
Status Active
MLS # 6708581
Property Type Single Family Residence
Price Type --
Move in Ready, Just bring your toothbrush! Check out this beautiful 2577 sqft upgraded home situated in a private cul-de-sac with views of mountains all around!. Nestled in the preserve of the Tortolita Mountains and tucked down at the end of the cull de sac, this premium homesite offers unobstructed views of both the beautiful Tortolita Mountains and Preserve. Living here in Dove Mountain you will enjoy several golf options at both the Ritz Carlton Dove Mountain Golf Resort and The Gallery Golf Club. There is a myriad of living options within this highly upgraded 4 bedroom 3 FULL bath home. Maintenance free landscaping provides easy outdoor living with large enclosed patio and extended covered patio. Host your next family gathering or game night in the massive great room. The kitchen includes a gourmet kitchen, tiled backsplash, and white cabinetry. Wood-look plank tile has been extended. Brand New community - Close to Shopping & Entertainment - Come Live The Life in Dove Mountain! Marina Arizona is exploding with new growth and opportunities!