How Technology Is Creating an Easier Mortgage Approval Process

From 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.

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Sort by: Select Price, Low to High Price, High to Low Newer Listings First Older Listings First Open House Date

1212 E Indianola Avenue Phoenix, AZ 85014

Open House

$614,999

4 Beds

2 Baths

1,738 SqFt

Status Active

MLS # 6675839

Property Type Single Family Residence

Price Type --

Welcome to this well-built 1950s mid-century modern with a total 2023 remodel from top to bottom. Upgrades include a new roof, new electrical panel, dual pane windows, energy efficient HVAC, all new flooring, fully upgraded kitchen with huge island and quartz countertops, all new appliances, newly renovated bathrooms, paver patio, sidewalk and driveway, tankless water heater, irrigation system. On suite bathroom in the master bedroom with a walk-in closet, 3 additional large bedrooms, as well as a bonus room/home office. Step out into privacy in your fully fenced backyard with a beautiful patio to enjoy the Arizona sunshine! Located in the heart of Central Phoenix minutes from downtown, Arcadia/Biltmore and highway 51. This is truly the perfect location!

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23969 N 171st Lane Surprise, AZ 85387

$614,995

4 Beds

3.5 Baths

2,840 SqFt

Status Active

MLS # 6684307

Property Type Single Family Residence

Price Type --

Welcome to your exquisite new home residence. Darius provides a sophisticated and accommodating ranch-style layout. Popular multi-generational living layout. Talk about curb appeal. Love at first site with the modern upgraded elevation. The inviting front entrance opens up t a very spacious layout. Abundance of much desirable features including spacious great room open to gourmet kitchen complimented by10 ft ceilings and center meet door to open to the covered patio and backyard. Perfect for all gatherings. In addition to a lavish owner's suite—with a roomy walk-in closet and attached double-sink bath—this home includes a second owner's suite with an adjacent living room, perfect for multi-generational living or a flex space that an be utilized best for your desired livability. Jack and jill bathroom off bedroom 2 & 3 . Split

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21864 E Saddle Court Queen Creek, AZ 85142

$614,995

3 Beds

2.5 Baths

2,500 SqFt

Status Active

MLS # 6730732

Property Type Single Family Residence

Price Type --

The single-story Cassandra plan showcases an open layout with a great room with a multi-sliding glass door, a breakfast nook, a large gourmet kitchen and a 2-car garage. The primary suite is adjacent, and boasts a generous walk-in closet and an attached bath with a large walk-in shower. Two additional bedrooms flank a full bath, and the nearby study.

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16711 W Saguaro Park Lane Surprise, AZ 85387

$614,990

4 Beds

3.5 Baths

2,664 SqFt

Status Active

MLS # 6767427

Property Type Single Family Residence

Price Type --

Up to 3% of base price or total purchase price, whichever is less, is available through preferred lender plus additional 2% of base price or total purchase price, whichever is less, is available to be used toward closing costs, pre-paids, rate buy downs, and/or price adjustments. This Parklane floorplan offers 4 bedrooms, 3.5 baths, a garage extension, and a glass no-step walk-in shower. Notable features include 8' interior doors, built-in appliances, granite kitchen countertops, and gas stubs in the kitchen, backyard for BBQ, and laundry for a gas dryer.

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37750 W Padilla Street Maricopa, AZ 85138

$614,990

4 Beds

3.5 Baths

2,024 SqFt

Status Active

MLS # 6762739

Property Type Single Family Residence

Price Type --

Move in FAST to this completed home! Say hello to luxury, Maricopa! This captivating Flagstaff floorplan features an expansive great room, Media room, Extra Suite with kitchenette, and stunning kitchen appointed with stacked cabinetry, gas stove top, and double ovens! Relax in your Primary suite and resort like bath with freestanding tub. The great room and adjacent patio are ideal for hosting gatherings. The tandem 4 car garage is perfect for storing offroad toys! With 10ft ceilings, 8ft doors, and 8,750 sq ft homesites, come see why K. Hovnanian is the First Name in Lasting Value! ^^Up to 6% of Base Price can be applied towards closing cost and/or short-long term interest rate buydowns when choosing our preferred Lender. Additional eligibility and limited time restrictions apply.

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32018 N 117th Avenue Peoria, AZ 85383

$614,990

4 Beds

3 Baths

2,012 SqFt

Status Active

MLS # 6755506

Property Type Single Family Residence

Price Type --

Larkspur - 4 bed/3 full baths. Stainless steel gas appliance package with 36'' cooktop, wall oven, microwave, glass canopy hood. Sonoma Maple Linen-off white cabinets with black hardware, 42'' kitchen uppers. Upper and lower cabinets at owner's entry, and cabs in laundry room. AZT Steel gray granite tops in kitchen and all baths. Upgrade flooring - Mohawk Wood laminate Driftwood in all areas except beds & closets and so much more. Amenity Rich Mystic includes a Resort Style community pool, Rec center with year-round events, Hiking paths & community parks. The perfect location- close to shopping, restaurants, golf, Lake pleasant and the loop 3. PHOTOS OF THIS LISTING ARE OF THE CLOVER MODEL HOME.

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2212 W Chisum Trail Phoenix, AZ 85085

$614,990

3 Beds

2.5 Baths

1,976 SqFt

Status Active

MLS # 6784079

Property Type Single Family Residence

Price Type --

Welcome to the Perata plan, a 3 bedrrom, 2.5 bathroom floorplan offering 1,976 square feet of elegant living space with a charming Farmhouse exterior with artificial turf in the front yard enhancing the home's curb apeal. As you step onto the pavers at the covered entry, you'll immediately appreciate the attention to detail in every corner of this beautifully crafted home. Stepping into the home, the white paint grade mission stair rail adds a touch of traditional craftsmanship while the 8' interior doors adorned create a sense of grandeur. This home's kitchen and greatroom open to a spacious outdoor space with a gas stub for BBQ ensuring the possibilities of effortless outdoor entertaining. The heart of the home, the kitchen, features stainless steel GE appliances including a 36'' chimney hood, a built-in gas cooktop with five burners, and a built-in wall oven and microwave with trim kit. There are white-painted 42 upper shaker cabinets at the kitchen perimeter and shale cabinets at the island with satin nickel and matte black hardware. A large single basin stainless steel sink with a Moen stainless steel kitchen faucet completes this chef's dream kitchen. All bathrooms feature Moen Eva 8 widespread brush nickel premium faucets. The bathrooms continue the theme of elegance with shale painted shaker cabinets and crisp white cultured marble tops with rectangular sinks. Throughout the downstairs, bath 2 and the laundry upstairs, you'll find durable 6x36 Natural wood look tile, while the primary bathroom boasts a serene 12x24 AZ Futura Tile in the shade Ivory which compliment the enlarged primary bath shower with white cultured marble surrounds and 3/8 glass, perfect for unwinding after a long day. All flooring is elegantly trimmed with upgraded 4 ¼ baseboards. This home is complemented by a soft water loop located in the garage for added convenience. Union Park offers Tree-lines streets, pedestrian-friendly sidewalks and 5,500 sq ft recreation center with resort style pool and kiddie pool, shared ramadas, parks, gathering areas, pickleball courts and basketball. Close to I-10 and 303. Walking distance to restaurants, movies, entertainment, and shopping.

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11458 E Utah Avenue Mesa, AZ 85212

$614,990

4 Beds

3 Baths

2,474 SqFt

Status Active

MLS # 6787361

Property Type Single Family Residence

Price Type --

Welcome to ''The Pearl,'' a stunning four-bedroom, three-bathroom farmhouse-style home featuring a guest retreat. With 10-foot ceilings and 8-foot doors, this home boasts an open, airy feel. The great room opens to a covered patio through a 4-panel center slider, perfect for indoor-outdoor living. The gourmet kitchen includes a 36-inch gas cooktop, charcoal shaker cabinets with hardware, a tile backsplash, and quartz countertops. Upgrades abound, including 6''x36'' wood-look tile in the main areas, and upgraded bathroom lighting, faucets, and fixtures. Experience luxurious living in this beautifully designed home..

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865 S Oak Street Gilbert, AZ 85233

New

$614,900

4 Beds

2 Baths

2,243 SqFt

Status Active

MLS # 6787824

Property Type Single Family Residence

Price Type --

Welcome to this delightful 4-bedroom residence in Raven Ranch! You're greeted by a spacious 3-car garage and a tasteful desert landscape. Discover a bright living room with high ceilings, a cool palette, plantation shutters, and wood-look flooring. The great room includes sliding door access to the backyard and ample windows for abundant natural light. Cook delicious meals in the spotless kitchen, equipped with wood cabinetry, recessed lighting, stainless steel appliances, a handy pantry, and a peninsula with a breakfast bar for quick meals. The serene main bedroom offers a sitting nook, an ensuite with double sinks, and a walk-in closet. Venture out onto the backyard, complete with a covered patio, lush natural turf, and a refreshing pool. Make this gem yours today!

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3043 E Rose Lane Phoenix, AZ 85016

$614,900

2 Beds

2 Baths

1,185 SqFt

Status Active

MLS # 6696353

Property Type Townhouse

Price Type --

This charming, newly renovated 2 bed, 2 bath townhome is situated on the prestigious Biltmore golf course and offers amazing views and amenities. The kitchen opens to the family room overlooking the patio and course. The bedrooms and baths are separated offering privacy. The community offers a swimming pool, spa, guard gate and tennis court. Plenty of room for parking between the single private garage and the covered public one.

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21225 W Wilshire Drive Buckeye, AZ 85396

$614,900

4 Beds

2.5 Baths

2,322 SqFt

Status Active

MLS # 6713534

Property Type Single Family Residence

Price Type --

Picture yourself enjoying the fall sunsets on your private patio next to your heated pool, perfect for entertaining family and guests, or maybe just your own quiet time This stunning 4-bedroom, 3-bathroom gem with a den features a modern design and an open floor plan, perfect for both family life and entertaining. The gourmet kitchen is a chef's delight, boasting contemporary appliances, a large island, sleek tile backsplash, quartz countertops, and ample cabinetry. Step outside to your private oasis with a fully landscaped yard and a luxurious heated pool, perfect for year-round enjoyment. The home also offers a three-car tandem garage, solar system for energy savings, and double gates to conveniently park your toys. Nestled on a desirable corner lot, this home is an absolute must-see

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3948 E Gold Mountain Avenue San Tan Valley, AZ 85143

$614,857

4 Beds

3 Baths

3,146 SqFt

Status Active

MLS # 6776756

Property Type Single Family Residence

Price Type --

Enchanting new home featuring designer selections, a split floor plan, and north/south exposure. Located in Bella Vista Farms, homeowners have access to their community pool and playground. The kitchen boasts a GE Executive kitchen appliance package including double ovens and a gas cooktop, there are also Delta Terra Quartz Zinc countertops and Aristokraft 42'' cabinets in Benton White. Other highlights in the home include a frameless walk-in shower at the primary suite and Vicinity White 6 x 36 Matte Wood like tile flooring. Utilities for this home include: Mesa Gas, EPCOR Water, and Rural Metro.

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