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

A 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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5648 W Chuck Box Road Laveen, AZ 85339

$524,010

4 Beds

3 Baths

2,373 SqFt

Status Active

MLS # 6702573

Property Type Single Family Residence

Price Type --

Up to 3% of total purchase price towards closing costs incentive offer. Additional eligibility and limited time restrictions apply. MLS#6702573 June Completion! The Erikson floor plan within the Tierra Montana Discovery Collection epitomizes the essence of open concept living. The first floor serves as the focal point of the residence, featuring a generous gathering room, casual dining space, and an open kitchen. The designer kitchen boasts a large island and a convenient step-in pantry, adding functionality and style. At the front of the home, a downstairs guest bed offers a welcoming sanctuary for overnight visitors. The owner's suite is upstairs with a private bath and a spacious walk-in closet. Completing this home is a loft, two additional beds, a full bath, and laundry room. Structural options include: extended covered patio. Design upgrades include: quartz kitchen countertops, gourmet kitchen with gas cooktop, upgraded stair rail and upgraded flooring throughout.

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26168 W Tina Lane Buckeye, AZ 85396

$524,000

2 Beds

2 Baths

2,323 SqFt

Status Active

MLS # 6668177

Property Type Single Family Residence

Price Type --

This STUNNING 2 Bed plus DEN, 3 CAR GARAGE (plethora of garage Cabinets) *PAID OFF SOLAR* home with a private courtyard, offers a perfect blend of modern living and timeless charm. Nestled in the desirable neighborhood of Sun City Festival with a N/S position. This Popular Fiesta floor plan offers an open-concept layout with 10ft ceilings, plantation shutters and creates an inviting atmosphere for both entertaining and everyday living. Tile flooring for easy care. The heart of the home is a spacious gourmet kitchen with beautiful Granite countertops/backsplash and sizeable island. The elegant wood cabinetry with crown molding elevates the space! The Gas cooktop stove is a Chef's delight! A large pantry for extra storage! Sit in the Breakfast nook area and enjoy the morning sunshine! The generously sized Master retreat features double door entry, plush carpeting, two tone paint and sliding glass doors that lead to a tranquil backyard! Embrace a morning coffee on the back patio surrounded by a peaceful ambiance that enhances every moment. No need to be concerned about electric bills, home has Solar and its *Paid Off*!! Surround sound is included for your entertainment needs. This home has been meticulously maintained! Check out this gem before its gone!

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40829 W Robbins Drive Maricopa, AZ 85138

$524,000

5 Beds

3 Baths

3,047 SqFt

Status Active

MLS # 6696775

Property Type Single Family Residence

Price Type --

1st floor bedroom with full bathroom! NEWLY REMODELED KITCHEN w/ upgraded 42'' & extra deep cabinets w/ soft close & pull-out shelves, new RO, granite, SS appliances, new Luxury Vinyl Plank flooring, new paint downstairs, new toilets in all bathrooms, new 50-gallon water heater, new water softener, new garage cabinets & hanging racks in oversized 3-car garage. 2 new 4-ton 15.2 SEER2 AC Units w/ 10-year service agreement & 5-year extended labor warranty is transferrable to new owner. The backyard is the perfect spot to relax & entertain w/ extended patio, pergola & PebbleSheen Play Pool (chlorine) w/ multi-colored LED Light - perfect for an event! With 5 bedrooms, 3 bathrooms & a loft, this home is well-equipped to accommodate living & entertaining guests. Come see this amazing house today!

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30029 N 120th Lane Peoria, AZ 85383

$524,000

4 Beds

3 Baths

2,537 SqFt

Status Active

MLS # 6651707

Property Type Single Family Residence

Price Type --

MASSIVE PRICE REDUCTION - LOWEST COST/SQ. FT. IN THE COMMUNITY! BUY THIS HOME TODAY! Nestled in the stunning Sonoran Desert, our vibrant multi-generational community encourages an active lifestyle with top-notch amenities and engaging programs. This impeccable 4-bed, 3-bath home boasts updated wood floors, neutral tones, and a sunlit ambiance. The spacious kitchen features stainless steel appliances and a loft adds extra space. The backyard is a lush oasis with meticulous landscaping, a pool, and a captivating rock waterfall—an ideal retreat for relaxation and social gatherings. Close to schools, shopping, and Lake Pleasant, this home offers an authentic living experience, harmonizing with the desert's beauty and fostering a strong sense of community.

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40887 W Chambers Drive Maricopa, AZ 85138

$524,000

5 Beds

3 Baths

3,295 SqFt

Status Active

MLS # 6674847

Property Type Single Family Residence

Price Type --

Welcome home! This spacious home features 5 bedrooms, 3 bathrooms and a generously sized loft. The kitchen boasts granite countertops, stainless steel appliances, a butler's pantry and opens to the living room. The formal dining room provides elegant space for hosting large meals and special occasions. There is a bedroom and full bathroom downstairs. Upstairs you'll find a sizable primary bedroom with a large bathroom, and an amazing walk-in closet. The three remaining guest bedrooms are also upstairs, one of which has a walk-in closet. The RV gate is on the east side of the home. Indulge in your own private pool during the hot summer months. Located in a serene lake and golf course community, this residence offers ample space and luxury amenities for comfortable living and entertaining.

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1855 W Dion Drive Anthem, AZ 85086

$524,000

2 Beds

2 Baths

1,830 SqFt

Status Active

MLS # 6696695

Property Type Single Family Residence

Price Type --

Popular Durango model home in sought after Anthem Country Club. Home boasts open split bedroom floor plan with the largest bedroom having direct access to the back yard and patio. 2 bedrooms plus a 3rd room that can be used as den/bedroom. The front of the home has a charming courtyard entry with a fountain. Home improvements include updated kitchen and bathrooms with quartz countertops and GE Slate appliances in the kitchen. Additionally, the HVAC was replaced in 2020 and the interior and exterior of the home has been recently painted. Improvements also include LVP flooring throughout the main living area, Shade Store blinds on the patio doors, newer bedroom carpet, and epoxied garage floors. All rooms have updated ceiling fans, four inch baseboard, and new door and cabinet hardware. The outdoor lighting and irrigation piping have been replaced and the home has an H2o Concepts whole-house water filtration system. Resort style living at its best!

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3955 E Wethersfield Road Phoenix, AZ 85032

$524,000

3 Beds

2 Baths

1,684 SqFt

Status Active

MLS # 6688659

Property Type Single Family Residence

Price Type --

Nostalgic beauty with a beautifully updated interior offers the perfect mix of traditional comfort & modern functionality! Discover a corner lot with a low-maintenance front yard, a 2-car garage, and an extended driveway. Be captivated by the immaculate open floor comprised of trendy wood-look flooring & recessed lighting. The kitchen showcases white shaker cabinetry, tile backsplash, SS appliances, and quartz counters. The large family room has sliding glass doors to the backyard. The primary bedroom has exterior access, a walk-in closet, and a pristine bathroom with a floor-to-ceiling tiled shower. Plush carpet, dual pane windows, and upgraded ceiling fans are features that cannot be left unsaid. The huge backyard allows endless potential for your own desert oasis. Hurry to see!

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1161 N Nebraska Street Chandler, AZ 85225

$524,000

3 Beds

2.5 Baths

1,900 SqFt

Status Active

MLS # 6693876

Property Type Single Family Residence

Price Type --

Looking for a place to entertain your friends and family? This 1900sqft home is equipped with a 2car garage plus a separate 850sqft 4 car garage w/ Insulation, AC, heating, plumbing, 240V RV outlet plus 2-220V outlets and a bathroom! Spacious quarter acre lot provides plenty of room for gatherings w/ Alleyway Access. Step inside you'll find a Newly upgraded kitchen with a $5k Italia Bertazzoni Gas Range a $4k stainless steel Hood!! New granite counters, new windows, Primary shower custom tile with a Jacuzzi Tub, roof 4 years old. Professional dart board, pool table and 7k speaker system. Hot tub in back yard with Tree House! Come see today!

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3931 E Vaughn Avenue Gilbert, AZ 85234

Open House

$524,000

3 Beds

2 Baths

1,528 SqFt

Status Active

MLS # 6662208

Property Type Single Family Residence

Price Type --

Welcome to this charming property, where a natural color palette creates a soothing ambiance throughout. The kitchen boasts a nice backsplash, adding a touch of elegance to the heart of the home. With other rooms available for flexible living space, you'll have plenty of options to customize the layout to suit your needs. The primary bathroom offers a separate tub and shower, perfect for unwinding after a long day. Double sinks and good under sink storage make this space both practical and stylish. Step outside to a fenced-in backyard, complete with a private in-ground pool for endless aquatic enjoyment. An inviting covered sitting area provides ideal spot for relaxation. Additionally, fresh interior paint and partial flooring replacement in some areas ensure a well-maintained atmosphere.

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17588 W Running Deer Trail Surprise, AZ 85387

$523,995

3 Beds

2 Baths

1,690 SqFt

Status Active

MLS # 6699916

Property Type Single Family Residence

Price Type --

Explore this inspired Bronze home, ready for an Augist move-in on a homesite boasting driveway pavers and front yard landscaping. Included features: an inviting covered entry; an open dining area; an impressive kitchen offering quartz countertops, stainless-steel appliances, 42'' cabinets, a walk-in pantry and a center island; a spacious great room; an elegant primary suite showcasing an expansive walk-in closet and a private bath with cultured marble countertops; a convenient laundry; a relaxing covered patio; an RV garage and a 2-car garage. This home also offers additional windows, ceiling fan prewiring and stone tile flooring in select rooms.

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5923 N 194th Avenue Litchfield Park, AZ 85340

$523,990

3 Beds

2.5 Baths

2,229 SqFt

Status Active

MLS # 6649803

Property Type Single Family Residence

Price Type --

This quick move-in Irwin home features a covered porch and patio, perfect for taking in the mountain views. A highly desired homesite located near the community park. The spacious secondary bedrooms also have private access to a shared bathroom. A natural gas kitchen package is perfect for the culinary enthusiast in your life. Additional highlights includes 8'' interior doors, and 3 1/4'' baseboard throughout ILO standard for an added elevated touch. Located within the IronWing masterplan, offering breathtaking mountain views and top-notch amenities. Our homeowners enjoy walking trails, and a community park.

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30909 N 164th Street Scottsdale, AZ 85262

$523,900

3 Beds

2 Baths

1,746 SqFt

Status Active

MLS # 6508762

Property Type Single Family Residence

Price Type --

Wake up every morning to breathtaking panoramic Mountain Views in Northeast Scottsdale!!! Your BRAND NEW energy efficient three bedroom home on OVER ONE ACRE with plenty of room for additional structures and toys awaits. Buy NOW and select all your interiors from the builders included options or go semi-custom. No HOA! This exclusive area is growing fast. Be one of the first to take pride in ownership in it! Reach out to your realtor or the listing agent today to schedule a private walk of the property and meet the builder. Addt'l plans avail. Renderings are representation of elevation. Options displayed may vary. Advertised plan can be customized to add or subtract square footage. Street address listed may differ once assigned. Refer to APN.

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