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.

Click Here to See What Your Home is Worth

Listing types.

For Sale

For Rent

Land

Location Search Nearby

BedsAny1+2+3+4+5+6+

BathsAny1+2+3+4+5+6+

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Property TypeAnyApartmentManufactured HomeSingle Family ResidenceTownhouseTwin Home

School District

Address, MLS# or Keyword

Home SizeAny600 ft2800 ft21,000 ft21,200 ft21,400 ft21,600 ft21,800 ft22,000 ft22,200 ft22,400 ft22,600 ft22,800 ft23,000 ft23,500 ft24,000 ft24,500 ft25,000 ft25,500 ft26,000 ft2

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Distressed

Open House

Location Search Nearby

BedsAny1+2+3+4+5+6+

BathsAny1+2+3+4+5+6+

Price MinAny$500$600$700$800$900$1,000$1,100$1,200$1,300$1,500$1,600$1,700$1,800$1,900$2,000$2,250$2,500$2,750$3,000$3,250$3,500$3,750$4,000$4,500$5,000$5,500$6,000$6,500$7,000$7,500$8,000$8,500$9,000$9,500$10,000

Price MaxAny$500$600$700$800$900$1,000$1,100$1,200$1,300$1,500$1,600$1,700$1,800$1,900$2,000$2,250$2,500$2,750$3,000$3,250$3,500$3,750$4,000$4,500$5,000$5,500$6,000$6,500$7,000$7,500$8,000$8,500$9,000$9,500$10,000

Advanced Options

Property TypeAnyApartmentManufactured HomeSingle Family ResidenceTownhouseTwin Home

School District

Address, MLS# or Keyword

Home SizeAny600 ft2800 ft21,000 ft21,200 ft21,400 ft21,600 ft21,800 ft22,000 ft22,200 ft22,400 ft22,600 ft22,800 ft23,000 ft23,500 ft24,000 ft24,500 ft25,000 ft25,500 ft26,000 ft2

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Location Search Nearby

Lot SizeAny1+ Acres2+ Acres3+ Acres4+ Acres5+ Acres6+ Acres7+ Acres8+ Acres9+ Acres10+ Acres20+ Acres30+ Acres40+ Acres50+ Acres

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Neighborhood

Address, MLS# or Keyword

View As: Thumbnails List

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

372 W Nikita Drive San Tan Valley, AZ 85140

$499,890

5 Beds

3 Baths

2,586 SqFt

Status Active

MLS # 6630546

Property Type Single Family Residence

Price Type --

On 4-18-24 Carpets were cleaned and ready for a new owner. Don't wait any longer, as the seller is highly motivated. This is your chance to own a stunning McKinley floor plan with a 5-bedroom, 3-bathroom that includes a loft in the coveted Meadows community. The house is close to a new shopping complex, restaurants, a hospital, and grocery stores. You'll love the spacious and well-designed floor plan, which features an open concept on the main floor with access to a covered patio. The kitchen is a chef's dream, with plenty of cabinet and counter space and a walk-in pantry. With one bedroom and a full bath downstairs, you'll have plenty of space for your family and guests. Upstairs, you'll find the laundry room, three additional bedrooms, and a split primary bedroom, each spacious and perfect for relaxation. The primary suite is the ideal retreat, with a large, secluded room, a private ensuite bathroom with dual sinks, and a walk-in closet. The loft is suitable for movie nights or a separate space to unwind. The house is fully landscaped and ready for you to move in. The lot is large enough for a future pool/spa/spool. Take advantage of this opportunity to own your dream home!

View Property

5160 W Village Drive Glendale, AZ 85308

$499,800

3 Beds

2 Baths

1,622 SqFt

Status Active

MLS # 6692890

Property Type Single Family Residence

Price Type --

WOW!! This immaculate,ultra clean 3 Br/2 Bath, 3 CAR GARAGE home is located on a Cul-De-Sac lot. New natural color painted inside. Eat-in kitchen has GRANITE COUNTERTOPS, decorative backsplash, plenty of cabinets, stainless steel KitchenAid appliances. Spacious master suite has a bay window, dual sinks, & separate shower& soaking tub. Tile in all the right places, new carpet in bedrooms, plank flooring in Living Room. The covered, tiled Patio has sunscreens. Enjoy the beautiful and immaculate desert landscaping in this inviting backyard with manicured bushes, fruit trees, & a raised garden. A CUSTOM-BUILT FIREPLACE is the Focal Point. LOCATION! Easy access to 101 & 17 freeways, Arrowhead restaurants and Shopping Mall. Beautifully maintained subdivision with acres of trails & parks.

View Property

25229 W Rockaway Hills Road Morristown, AZ 85342

$499,800

3 Beds

2 Baths

1,801 SqFt

Status Active

MLS # 6639688

Property Type Manufactured Home

Price Type --

Your new home away from the crowds awaits in Morristown! Santa-Fe-style residence sitting on a more than 1-acre lot on a desired corner! This property is fully fenced w/an RV gate for all your toys. Beautiful interior has tile floors, a cozy fireplace in the living room, gorgeous light fixtures, and neutral paint. Cook gourmet dishes in the eat-in kitchen showcasing SS appliances, center island, a walk-in pantry, white cabinetry, and ample counter space. Split main retreat has a walk-in closet and a full bathroom with a dual sink vanity and a jetted tub for a spa-like feel. In the backyard, discover a fenced covered patio w/a Ramada, a greenhouse, a detached garage w/a small workshop attached, a fire pit, and natural desert landscaping. Don't miss the AZ sunsets and mountain views! Hurry!

View Property

18326 N Gila Springs Drive Surprise, AZ 85374

$499,800

2 Beds

2 Baths

1,782 SqFt

Status Active

MLS # 6673887

Property Type Single Family Residence

Price Type --

Beautifully designed home in the highly sought-after Sun City Grand community! Versailles pattern travertine flooring extends through the living area with a stone fireplace & additional sitting area off the kitchen ideal for a conversation or game table. The open kitchen boasts granite countertops, stainless steel appliances, drawer pull-outs, & RO. All bathrooms have been elegantly crafted with travertine & gorgeous vanities. Den area complete with custom built-in desk & shelving. The backyard offers a covered patio with a built-in BBQ ideal for hosting & citrus trees. Also featured, a 2-car garage with built-in cabinetry, water softener, & heat shield. You'll love the Sun City Grand community with amenities like a pool, spa, gym, clubhouse, sports courts, & fun community events!

View Property

10778 W Mckinley Street Avondale, AZ 85323

$499,775

3 Beds

2.5 Baths

2,269 SqFt

Status Active

MLS # 6655230

Property Type Single Family Residence

Price Type --

New home ready for move in this spring. Two-story Tisdale floorplan with sought after Craftsman style exterior. The first floor features a flex room with elegant double glass doors. This room can serve as a home office, game room or sitting area. The second floor features a loft, the owner's suite and two additional bedrooms. The spacious kitchen features stainless steel appliances with gas range and a large island with ample sitting space, overlooking the dining and sitting areas. The stylish cabinetry is a gray tone which is complemented by upgraded quartz countertops, subway tile backsplash, and wood color plank tile. Great home with spacious sitting and socializing areas. Home warranty included.

View Property

4809 E Fire Opal Lane San Tan Valley, AZ 85143

$499,700

3 Beds

2 Baths

2,228 SqFt

Status Active

MLS # 6677812

Property Type Single Family Residence

Price Type --

Welcome to your dream home in the Village at Copper Basin Community of San Tan Valley! This stunning 2019-built residence boasts 3 bedrooms and 2 bathrooms, offering a perfect blend of modern design and functionality. The kitchen is complete with granite countertops, a large island, and a stainless steel appliance package. It seamlessly flows into the spacious great room, creating an ideal space for family gatherings and entertaining guests. The oversized primary suite is a true retreat, featuring ample room for a sitting area or home office with views of the pool, dual sinks in the en-suite bathroom, and a generous walk-in closet. The original 4th bedroom has been ingeniously merged to create an oversized double master feel, perfect for accommodating guests, setting up a home gym, or creating a cozy man-cave. Step outside through the glass sliding doors to discover your private backyard oasis. Enjoy lazy afternoons under the covered patio, take a refreshing dip in the PebbleTec SHASTA pool, or let the kids and pets play freely on the lush turf area. Plus, benefit from added privacy as the home backs to a park. This home offers not just a place to live but a lifestyle of luxury and comfort. Don't miss the opportunity to make it yours!

View Property

1335 W Monroe Street Phoenix, AZ 85007

$499,600

3 Beds

2 Baths

1,628 SqFt

Status Active

MLS # 6652210

Property Type Single Family Residence

Price Type --

Imagine residing in a home drenched in historical charm in Phoenix's Woodland Historic District. This abode is more than just a dwelling; it's a gateway to yesteryears, yet infused with contemporary comforts. Greeting you is an inviting front porch, leading to a living area where the original fireplace kindles tales of old. Across, the dining space reverberates with stories of grand meals past. Venturing further, you'll discover bedrooms that murmur ancient secrets, alongside a master suite that epitomizes today's opulence. The upper level hosts a generous bedroom, a blank slate for your creativity. Just a stone's throw from the Arizona Capitol, this location offers swift access to governmental hubs, entertainment arenas, and the lively downtown scene. Seize the chance to claim a slice of Phoenix's heritage in a neighborhood buzzing with renewal and rejuvenation.

View Property

2480 S Pinegrass Road Show Low, AZ 85901

$499,500

2 Beds

2 Baths

1,492 SqFt

Status Active

MLS # 6684591

Property Type Single Family Residence

Price Type --

BRAND NEW HOME TO BE BUILT! This virtual listing is an example of what we will build for you. Let's build you this beautiful custom home in Torreon for under $500,000 with standard features like stainless steel appliances, granite, soft close cabinets, LVP floors, walk-in shower, great room, LP Smart Siding (no staining), Trex deck, iron railing, AC, gas heat, covered back deck and more. Some interior & exterior selections can be made by the buyer. Great pine trees on this lot. To be built with buyer's cash or construction loan. We have lenders to accommodate this lot/home package. Estimated build time is 12 months from permits. We can also help design a custom home if you prefer. Other lots available. Call for details.

View Property

7219 E Kramer Street Mesa, AZ 85207

New

$499,500

4 Beds

2.5 Baths

1,790 SqFt

Status Active

MLS # 6697684

Property Type Single Family Residence

Price Type --

Renovated! This property is in stunning condition and has had plenty of work done as of late. This includes but is not limited to - New interior Paint, AC Unit, Water Heater, Flooring, Carpet, A fully loaded kitchen, Master Bath, and upstairs bathroom, new master closets, and synthetic turf. This home is extremely welcoming and ready. Ideal for families as it is gated and boasts a community pool.

View Property

2817 E Hidalgo Avenue Phoenix, AZ 85040

$499,500

3 Beds

2 Baths

1,744 SqFt

Status Active

MLS # 6695528

Property Type Single Family Residence

Price Type --

Don't miss this former Model from the award-winning home builder Ca-Atlantic Homes. This former model home has all the builder upgrades all put into one of their most popular floor plans. This open great room flow creates a dynamic of comfort and ease for family and guests. The 16' wall of glass opens to a spectacular indoor/outdoor experience. This home interior is loaded with designer touches and upgrades like 42'' upper cabinets, Kitchen Aid S/S appliances, Under cabinet lighting, upscale, Recessed lighting, Plank Tile flooring, Crown molding, Security System, Surround sound, Designer flooring, upgraded Shower, designer touches and designs explodes the minute you walk in this home. Exterior touches include Full paver patio, Professional landscape design, Fire pit, amazing patio.

View Property

20434 W Meadowbrook Avenue Buckeye, AZ 85396

$499,500

2 Beds

2 Baths

1,657 SqFt

Status Active

MLS # 6625864

Property Type Single Family Residence

Price Type --

VICTORY living is yours in this stunning 2022 build Lennar home! 1657 SF of living space gives you 2 beds, 2 bath with a huge bonus room that can be used as a formal dining room or a spacious office/den! Tile floors everywhere but bedroom 2 and closets! Stunning white theme kitchen with stainless steel appliances, quartz counters and under cabinet LED lighting! Spacious main living area is an entertainers dream! Let the fun spill out into the backyard where your oversized covered patio is paired with a professionally installed hardscape patio just perfect for a outdoor dining set and BBQ! Views of the White Tank Mountains from your back yard and a beautiful wash/greenspace between you and your back neighbor! Enjoy the tankless gas water heater for UNLIMITED hot water!

View Property

9807 E Axle Avenue Mesa, AZ 85212

$499,500

3 Beds

2.5 Baths

2,100 SqFt

Status Active

MLS # 6681954

Property Type Single Family Residence

Price Type --

Welcome to this lovely 3-bedroom, 2.5-bath residence in Eastmark! You'll be greeted by a spacious great room with high ceilings, efficient recessed lighting, plantation shutters, a cool color palette, and attractive wood-look flooring. The kitchen is equipped with quartz counters, ample cabinetry with crown molding, a brick backsplash, sleek stainless steel appliances, a pantry, and an island with a breakfast bar for casual dining. You'll also find a versatile den ideal for an office or study, but could be converted to another bedroom. The master bedroom is spacious with a custom bathroom, equipped with walk-in shower, a relaxing soaking tub, and a walk-in closet. Outside, the backyard is an enchanting haven featuring a paver patio and low-maintenance artificial turf.

View Property