Forget Mortgage Apps: 5 Reasons Why You’ll Want to Use a Human Mortgage Broker

Forget Mortgage Apps: 5 Reasons Why You'll Want to Use a Human Mortgage BrokerA mortgage broker can be a helpful tool in finding the right opportunity for you, but it can be tempting to deal with mortgage apps that may be able to consolidate all the information you need in one place. While many modern apps can be quite convenient, there are a few reasons you may want to use a knowledgeable mortgage professional to ensure the credibility of your most important purchase.

Up-To-Date On Credible Lenders

A mortgage app can certainly provide many mortgage insights, but it’s not necessarily an able replacement for a broker who has dealt with many different lenders and knows the ins and outs. While an app can point you in the right direction, a broker will be able to keep you informed of all the little details.

Access To Better Rates

There are no guarantees that working with a broker will get you a better deal, but because brokers work in conjunction with a variety of different lenders, they can often get lower rates or special deals which you may not be able to find on your own.

Saving On Fees

In addition to assisting you with finding the best rates, a broker may also be able to minimize fees like the application and/or appraisal fees so that you can knock some of the costs off your mortgage. Since brokers have an established relationship with lenders, this is something you can use to your advantage.

All The Available Options

It can be overwhelming to go through all of the available lenders, and even a detailed app may not be able to provide this information. However, instead of the most popular current options, a mortgage broker will have lending information available from all kinds of institutions so you can choose what will work best.

Making The Process Run Smooth

An app may seem like a time-saver with all the information at your fingertips, but having a broker to look through things for you can provide a lot of comfort and clarity. While you do have the option of diving in on your own, having an expert to help you over the hurdles can go a long way.

There are so many apps out there that can make life a lot easier, but mortgage apps may not be the place to start when it comes to your mortgage process. If you’re currently considering your options, give me a call for more information – J.P. Cook – 602-320-4253.

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6216 N 38th Place Paradise Valley, AZ 85253

$8,995,000
5 Beds
7 Baths
11,097 SqFt
Status Active
MLS # 6647587
Property Type Single Family Residence
Price Type --
This glamorous estate is for those who appreciate artistic modern design coupled with classic elegance. Beyond the private gates sits a home loaded with sophistication and architectural excellence. The entry is accented by a copper clad pivot door that leads to exquisite living spaces. The kitchen features two twelve-foot islands, cabinetry imported from Spain, Wolf and Subzero appliances and a morning bar with built-in Miele coffee station. The entertaining areas are refined, yet comfortable and the flow of the home is flawless. The magnificent primary suite has floor to ceiling windows that frame views of Camelback Mountain spanning all the way to downtown Phoenix, and the primary bath will take your breath away. A 500-bottle wine room, 3-tiered movie theater, junior suite with an aromatherapy steam shower that would make a perfect home gym, wide plank oak floors with quartz inlays, marble and quartz accents, exceptional custom cabinetry, fully retractable walls of glass, custom ceilings, and opulent lighting are just a few of the exquisite design features inside, and the outdoor living is an absolute dream with a beautiful pool surrounded by sandblasted marble pavers, and a large yard with synthetic turf. The fully loaded Crestron home automation system includes lighting controls, security cameras and audio, both inside and out, and the driveway can accommodate up to 20 cars. This contemporary showpiece sits on 1.36 acres in a prominent Paradise Valley neighborhood!

6623 N Hillside Drive Paradise Valley, AZ 85253

$8,995,000
4 Beds
4.5 Baths
5,035 SqFt
Status Active
MLS # 6655861
Property Type Single Family Residence
Price Type --
VIEWS, VIEWS, VIEWS!! BRAND NEW CONSTRUCTION - ESTIMATED COMPLETION OCTOBER 2024. Located in prestigious Paradise Valley- a Modern showpiece, offering serene privacy and stunning views of Camelback Mountain. This paradise sits on over an acre with luxurious finishes and carefully curated design elements. After being greeted outside by a beautiful terraced entry, fire feature and custom metal screening- you are welcomed into the great room with 12-foot ceilings, a cantilevered fireplace and an impressive 25-foot pocket door. Custom cabinetry throughout the home, designer lighting, custom wood ceiling details and hand-picked stone selections showcase the elevated design. A generous chef's kitchen with Wolf/SubZero appliance suite is supported by the secondary kitchen- perfect for when you are hosting large events. The main kitchen looks out over the sitting room, living room, outdoors to the pool, spa, outdoor kitchen, bar and expansive covered patio space. Constructed using cast in place concrete - this complex build technique allows for minimal rooflines and maximum viewpoints out of all windows. The attention to detail from the land up is exquisite. This masterpiece home is not one to be missed... who doesn't want to own their own little piece of paradise?

5030 E Mockingbird Lane Paradise Valley, AZ 85253

$8,995,000
6 Beds
7 Baths
12,014 SqFt
Status Active
MLS # 6675327
Property Type Single Family Residence
Price Type --
TIMELESS 2-ACRE GATED ESTATE WITH GUESTHOUSE!! Private and SINGLE LEVEL, the main house is 10,340 sq. ft. with 4 bedrooms and a 6 car, air conditioned garage. The interior of the main home is adorned with stone décor and archways and a sunken bar with wine cellar that has 2 separate, individually cooled areas. The grand study has 2 tvs, a stone fireplace, floor to ceiling wood shelving and cabinetry, a wood décor ceiling as well as natural light. The glass, pocket doors in the main living area open the entire space for indoor/outdoor entertaining. The 1688 sq.ft. Guesthouse has 2 oversized bedrooms, a full kitchen, laundry room as well as it's own 2 car garage. At the Guesthouse, the seamless glass doors meet in the corner and completely open on two sides connecting the guesthouse to the backyard oasis. The luxury, resort style backyard is complete with 2 connected pools, where the play pool has a gazebo and swim up bar and is connected to the diving pool by a flowing lazy river complete with fire pits and Hurricane Palms as well as an island spa. An absolute oasis! This estate is extremely private yet conveniently located. Cullum Homes is extremely detailed and known for building high quality, luxury homes.

6836 N 36th Street Phoenix, AZ 85018

$8,950,000
3 Beds
3 Baths
3,095 SqFt
Status Active
MLS # 6507389
Property Type Single Family Residence
Price Type --
The ''Circular Sun House'' was designed by Frank Lloyd Wright and was his final architectural design, and known as the Norman Lykes House. 3 beds + office + den + Library. Designed to blend in with the curves of the surrounding desert mountain, this iconic masterpiece was the last home designed by Wright and one of only 14 circular homes by the master architect. Overlapping concentric circles create a floorplan that flows seamlessly from one room to another while every room takes in unobstructed majestic views of Palm Canyon and the city below. Curved walls, clad in golden-hued Philippine mahogany cover the three bedrooms and hallway, reflecting the natural light of Palm Canyon. Sprawling entertaining spaces flow outside to ample patios and a crescent-shaped pool. In Architectural Digest! Three bedrooms PLUS library, plus den could be 4th bedroom and office that sits atop the home.

11612 N 86th Street Scottsdale, AZ 85260

$8,950,000
7 Beds
8 Baths
8,587 SqFt
Status Active
MLS # 6576591
Property Type Single Family Residence
Price Type --
Introducing the pinnacle of luxury, privacy and security: Elysium, designed and built by Modern Masterpieces. Offering soaring 14' ceilings, rooms carved from natural stone and wood, solid wood frameless pivot doors, electronic color changing smart glass sliding walls - this home redefines luxury living. Features three professional kitchens in the highest spec by Gaggenau and Thermador, a Dolby ATMOS 4K movie theater, and unprecedented amenities like a smart glass cube room, 4 exotic car museum garage, over 2,500sqf full tile pool, spa, firepit and swim-up restaurant, double RV parking, and glass basketball court. US military spec nuclear threat resistant security room with state of the art surveillance. Glass railing bridge lush garden entry secured by electronic gates ensures privacy

3285 N Mountain View Road Apache Junction, AZ 85119

$8,915,000
6 Beds
9 Baths
9,150 SqFt
Status Active
MLS # 6687284
Property Type Single Family Residence
Price Type --
An opportunity like no other! 7 parcels spanning 24.18 acres with unlimited potential for luxury residential development or commercial transformation. Nestled against the breathtaking Superstition Mountain, this unparalleled sale features two captivating properties, each with awe-inspiring views. The residence on parcel 10001001H showcases over 11,000 SqF of meticulously crafted architecture, boasting a custom design and premium amenities. Highlights include a state-of-the-art kitchen worthy of a magazine cover, rooftop patios, pool, and space for recreational vehicles. Meanwhile, parcel 10001001J contains a total of 12,000 SqFt feet of construction, comprising the main dwelling, a charming casita, 7488 sqft in garage space,

22803 N Via Ventosa Drive Scottsdale, AZ 85255

$8,795,000
5 Beds
7 Baths
6,800 SqFt
Status Active
MLS # 6681467
Property Type Single Family Residence
Price Type --
CP Drewett of Drewett Works Architecture inside Canyon Heights. North Scottsdale's most prestigious gated, hillside, view community; sides to Silverleaf without Silverleaf architectural guidelines and density. This is the last available hillside lot within the enclave. With nearly 10 acres of panoramic sunset and city light views, this elevated lot offers a rare opportunity to build your dream home. The entrance to the parcel is flat, providing acreage for endless options. A gradual slope ensues, rendering incredible Westward facing views. Sweeping views of Lost Canyon to the South. An elevated view lot of this caliber is a rare find and deserves a first in class Builder behind it; we welcome you to set up a walkthrough with Jeff at True North Builders or CP at Drewett Works.

10134 E Cavedale Drive Scottsdale, AZ 85262

$8,750,000
5 Beds
5.5 Baths
5,864 SqFt
Status Active
MLS # 6569946
Property Type Single Family Residence
Price Type --
Remarkable views from every room of this architecturally stunning new home. Disappearing electric Walls of Glass surround the Great Room to soak in views and feel the desert breezes. Main house has 3 ensuite bedrooms + an office and wine room. The home is oriented toward mtn peaks and rock formations which provide privacy. Hickory floors and ceilings; Ebony, Bolivian Rosewood, and Walnut cabinets; and custom Walnut doors throughout. The casita has 2 units with separate entrances (a guest house + a bonus room). Both are ensuite. Everything is one level. Electric sun shades thru-out the house and blackout shades in main bedrooms. Oversize 4 car garage. Built with exquisite quality by builder who has won numerous awards including National Home of the Year for his last home, also in Estancia. Taliesin West trained Architects. This home must be seen to be appreciated! Seller is willing to credit Buyer the cost of an Estancia Social Membership.

11267 N 98th Place Scottsdale, AZ 85260

$8,720,000
5 Beds
9 Baths
7,928 SqFt
Status Active
MLS # 6686290
Property Type Single Family Residence
Price Type --
Escape to a haven of elegance and sophistication in the heart of Cactus Acres, where the timeless charm of Santa Barbara meets modern luxury. Designed by Architect, Domenic Berta, this exquisite residence offers an unparalleled fusion of architectural beauty, upscale amenities, and outdoor living at its finest. On 1.21 acres, the main house of 6,790 livable square feet holds 4 bedrooms, 5 full bathrooms and 2 half-bathrooms. The guest house of 1,138 livable square feet is equipped with full kitchen, 1 bedroom, 1 full and 1 half bathroom, and living area. Inspired by the iconic Santa Barbara style, the exterior of this stunning home captivates with its graceful lines, basalt and limestone façade, and tile roof, set amidst lush desert landscaping. A gated entry and basalt stone fountain welcomes you into a world of luxury and serenity. Step inside to discover a diligently designed interior by Dana Reynolds Interior Spaces that exudes warmth and refinement. The open-concept floor plan boasts soaring ceilings, designer finishes, and expansive windows that flood the space with natural light and frame views of the surrounding desert landscape. Elegant fireplaces faced with basalt stone, limestone and custom wood work are a focal point of each living area. The gourmet kitchen is a culinary masterpiece, featuring Wolf appliances, custom cabinetry, and a center island adorned in Taj Mahal quartzite with ample seating; perfect for entertaining guests or gathering with family. Separated by a glass wine wall and defined by a beautiful accent wall, the spacious dining area offers a refined setting for formal dinners or casual meals with loved ones. Unwind in the luxurious master suite, where a tranquil oasis awaits with a gorgeous ensuite bathroom, steam shower, walk-in closets, fireplace, and patio onlooking the sparkling pool and lush backyard oasis. Additional bedrooms and living spaces provide comfort and privacy for guests, while a dedicated home office offers a serene environment for work or relaxation. Outside the sliding pocket doors, the resort-style grounds beckon with an array of amenities designed for outdoor living at its finest. Relax by the sparkling pool and spa, host gatherings around the outdoor kitchen and barbecue area, putt a few golf balls at your own 6-hole putting green, or retreat to the charming pool house for a leisurely afternoon of relaxation. This home offers 66 owned solar panels which sit atop the guest house and room for an RV garage! Conveniently located in the heart of Scottsdale, this Santa Barbara style estate offers easy access to world-class dining, shopping, and entertainment options, as well as pristine golf courses and outdoor recreational activities. Experience the epitome of luxury desert living in this exceptional residence, where every detail has been meticulously crafted to exceed your expectations. Welcome home to your own private oasis in the desert.

6524 E Stallion Road Paradise Valley, AZ 85253

$8,600,000 - 4Br/6Ba -  for Sale in Mummy Mountain View, Paradise Valley
Open House
$8,600,000
4 Beds
6 Baths
5,466 SqFt
Status Active
MLS # 6691277
Property Type Single Family Residence
Price Type --
Introducing Santa Fe Hacienda, an exquisitely restored and reimagined Nance masterpiece by Modern Nest situated on a generous 1-acre lot in the heart of Paradise Valley. This stunning residence showcases a captivating blend of Santa Fe-style design with luxurious modern and rustic accents throughout its expansive 5466 square feet and its 4 bedrooms and 6 bathrooms. Boasting an impressive main living area adorned with an oversized gas fireplace, two comfortable sitting areas, and a handcrafted wet bar with a limestone sink, and walk-in wine cellar, this home offers an unparalleled setting for both relaxation and entertainment. The elevated chef's kitchen is a true culinary haven, featuring reclaimed terracotta flooring, hand-hewn wood ceiling beams, impeccably designed cabinetry, high-end lighting fixtures, and top-of-the-line Wolf and Sub Zero appliances. The butler's pantry, just off the kitchen, offers additional storage paired with charming design and function. Adjacent to the kitchen, an elegant dining space awaits, complemented by picturesque windows that flood the room with natural light. The owners suite is a sanctuary unto itself, with a cozy fireplace, a private patio retreat, and an office with its own outdoor patio. The bath is a spa-like oasis, complete with a freestanding copper bathtub nestled near another fireplace, separate vanity areas, and a luxurious shower experience. The oversized closet is a masterpiece of design, featuring custom cabinetry, abundant storage, and ample natural light. A spacious media room, equipped with a convenient kitchenette, provides the perfect spot for casual gatherings and relaxation, while three additional bedrooms offer comfort and privacy, each with its own ensuite bath and outdoor patio access. The functional yet stunningly designed mudroom/laundry room boasts dual washers and dryers, abundant cabinetry, and a convenient drop zone, ensuring effortless organization and convenience. Outside, the sprawling backyard beckons with expansive patio spaces, an outdoor kitchen with a pizza oven and fireplace, and a newly rebuilt pool surrounded by lush landscaping and high-end lighting and sound systems. This home epitomizes elevated living, seamlessly blending authenticity with modern luxury. An absolute must-see to fully appreciate its exceptional offerings.

9316 E Aw Tillinghast Road Scottsdale, AZ 85262

$8,500,000
3 Beds
3 Baths
5,700 SqFt
Status Active
MLS # 6583092
Property Type Single Family Residence
Price Type --
NOW STAKED & FLAGGED! An incredible 5 acre homesite opportunity to build a 5,700 SF residence with 3 beds, 3 baths & elevated to capture breathtaking views. You may further reimagine this home to perfection; customize it for your lifestyle. This is a very private location with views overlooking golf courses, serene mountain ranges, & stunning Desert Mountain lights that bring enchanting beauty to the environment both day & night. The Ranch & Trails provide hiking & a preserve that borders the 3 million acre Tonto National Forest. Convenient, DUAL access is available through Carefree Ranch, cutting access time in half. For an exclusive 10 acre homesite, see MLS 6583078, the adjacent 5 acre lot to the East. A membership is not included with this offering. Contact Desert Mountain Membership

29211 N 53rd Street Cave Creek, AZ 85331

$8,500,000
6 Beds
5 Baths
5,966 SqFt
Status Active
MLS # 6609693
Property Type Single Family Residence
Price Type --
Bellisima Equestrian Estate has 25+ acres, city water, paved roads, & one of the most desirable locations for horse Training, Boarding or Breeding Facility in the Valley. This Equestrian Estate offers three well-appointed homes, perfect for multi-generational living or rental income potential. The main home, a luxurious retreat, features a sparkling pool, outdoor living space, creating an oasis of relaxation & entertainment. The property also boasts 4 spacious barns, mare motel, 2 covered arenas, outdoor arena & bridle path. Additional equestrian amenities include a round pen, multiple turnouts, hay barn, tractor storage, mister system, multiple tack rooms, ensuring top-notch facilities for your horses. There are 2 manufactured homes, the possibilities are endless.

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