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.

4549 S Squires Lane Gilbert, AZ 85297

$500,000
3 Beds
2 Baths
1,701 SqFt
Status Active
MLS # 6691140
Property Type Townhouse
Price Type --
Enter this beautiful smart technology home from your front entry or 2 car garage and head up a flight of stairs with windows framing distant views of the Santan Mountain range. Enter in to your one level living space featuring 3 bedrooms, 2 bathrooms and highly upgraded home. Home features a nicely appointed kitchen with gas cooktop and Quartz countertops. Upgraded 42'' cabinets with crown moulding and Super Pantry Cabinet with rollout shelving. 56'' Ceiling fans in all rooms. Storage galore! Under stairs closet and overhead storage racks in garage. Did we mention a nicely sized walk-in Master Closet? Tankless water heater supplies hot water throughout. Great room concept that with access to private patio. Plantation shutters throughout. One of the nicest lots in community a must see home Exterior Amenities: Enjoy access to the beautiful Layton Lakes as part of your amenities. All the neighborhoods are joined with pathways for walking, running, or riding bikes. Lots of sports courts, soccer fields and playgrounds with a community rock wall and splash pad. Layton Lakes water all around with ducks, birds, and fish where you can catch and release. Community events throughout the month including garage sales, events for families with children and food truck events.

37406 N Azteca Road San Tan Valley, AZ 85140

$500,000
5 Beds
3 Baths
2,604 SqFt
Status Active
MLS # 6693536
Property Type Single Family Residence
Price Type --
Welcome to Archer Meadows! Where modern elegance meets suburban tranquility. This GATED RV community has easy access to schools, parks, stores, and community amenities. Archer Meadows includes a community Clubhouse with an indoor kitchen, ample outdoor space with a lounge area, grills, a resort-style heated pool and spa, playground, DISC golf, and more! The 2021 build features 5 bedrooms plus a den/loft area and 3 bathrooms. One bedroom and bathroom are located downstairs. As you enter the home you are greeted with an open-concept entertainment space, highlighted by a spacious gourmet kitchen with GAS cooking, SS appliances, granite countertops, a generous-sized island, and staggered cabinets. Upstairs you will find the remaining 4 bedrooms and 2 bathrooms on a split floor plan separated perfectly by a loft area! The owner's suite is an abundant size and has a walk-in closet to match! The laundry room is upstairs conveniently near the bedrooms. It is also pre-plumbed for a sink/washing area to be put in! Outside you will find an ideal space to create entertainment all your own. Already thoughtfully planned out with a paver patio and a giant turf area. There is plenty of room for landscaping of your choice, or a BBQ area or a cozy firepit and an RV Gate....the possibilities are endless in this well cared for inviting home!

4032 W Hartford Avenue Glendale, AZ 85308

$500,000
3 Beds
2 Baths
1,918 SqFt
Status Active
MLS # 6687559
Property Type Single Family Residence
Price Type --
Located in the quiet Desert Pines neighborhood only minutes from the 101 and I-17, this home is ready for the first-time homebuyer, the growing family, the active single or the empty nester. This home has NO HOA. Set on a spacious corner lot, there is access into the backyard on the west side of the property through an 11-foot sliding RV gate with plenty of parking for a large RV, utility vehicles, trailers, etc. The front yard showcases a desert landscape with rosemary bushes near front door. In addition to RV parking, there is a fully fenced sparkling PebbleTec play pool with a baja shelf at one end and a stone waterfall feature at the other end. Also, there is a 10'X10' Tuff Shed utility shed for storing items. As you enter the front door, there is a sunken living room with a large window. A fireplace in the family room welcomes your guests as you move through the home. This space could also be used as a dining room for larger gatherings. There is a galley style kitchen with dramatic black and stainless-steel appliances including an over the stove microwave/convection oven. The kitchen counters are granite with glass backsplash. Sliding glass doors open to the covered patio and a paved area with a gazebo for outdoor entertaining. There are solar panels and a newer HVAC energy efficient system to aid in keeping your electrical costs down. Each bathroom has attractive tiling with plenty of lighting and storage. With a linen closet at the end of the hallway, there is plenty of storage for many items in this space. The large primary bedroom has a walk-in closet and will fit a king size bed with multiple dressers. Each of the remaining rooms are sufficient for guests and will fit queen size beds comfortably. There is a room off the kitchen for laundry with a pantry cabinet and also has storage for cleaning supplies. There are cabinets above the laundry machine for additional storage. There is a door off this room to the back yard with another one into the spacious double car garage.

4608 N Desert Stream Way Litchfield Park, AZ 85340

$500,000
3 Beds
2 Baths
1,897 SqFt
Status Active
MLS # 6685491
Property Type Single Family Residence
Price Type --
Vacant, EASY SHOW. ON THE LAKE. This is a great location in a great location. One of the few lots that has lake view is what makes this property exclusive. 3rd bedroom can act as a den.

13744 W Amaranth Street Peoria, AZ 85383

$500,000
2 Beds
2 Baths
1,800 SqFt
Status Active
MLS # 6645653
Property Type Single Family Residence
Price Type --
In the highly desirable Vistancia Village lies this beautifully presented residence. Along with access to wonderful community features including Swimming pool, clubhouse and sports courts it offers a peaceful corner location. The interiors begin with a long hallway passing the work from home office or sitting room into the open plan living space. This incorporates the family room, gourmet kitchen with modern appliances, dining room and large sliding doors to the patio. The spacious rear yard is the perfect blank canvas for desert landscaping or swimming pool. The primary bedroom suite delivers a large bedroom, a beautifully appointed bathroom and fitted closet. The bright secondary bedroom enjoys a private bathroom and closet. The bright secondary bedroom enjoys a private bathroom and closet. With a 3 car garage, water softener, reverse osmosis and security system it offers a move-in ready opportunity to enjoy this beautiful region.

4895 E Amarillo Drive San Tan Valley, AZ 85140

$500,000
5 Beds
3 Baths
2,621 SqFt
Status Active
MLS # 6666059
Property Type Single Family Residence
Price Type --
Welcome to this spacious and beautifully layout two history house with 5 bedroom 3 bathroom situated on an oversized corner lot. The main floor features 2 separate living and dining areas with a bedroom and full bathroom as well. The second story encompasses a large loft with 4 spacious bedrooms. The primary suite has a large walk-in wardrobe closet and primary bathroom with dual vanities, a soaking tub and a stand alone shower. The backyard features artificial turf and extended patio space for entertaining. Laredo Ranch counts with relaxing and peaceful parks and walking trails for your daily exercise. Located close to grocery stores, shopping centers, and restaurants.

12687 W Lowden Road Peoria, AZ 85383

$500,000
3 Beds
3 Baths
1,814 SqFt
Status Active
MLS # 6667534
Property Type Single Family Residence
Price Type --
Pride of ownership is shown in this beautiful residence nestled in Vistancia Village! Discover a perfectly flowing layout showcasing neutral tile floor, designer color palette, and a charming fireplace perfect for cozy nights at home. The fabulous kitchen boasts cherry wood cabinets adorned with crown moulding, built-in appliances, recessed lighting, granite counters, a see-through pantry, and a peninsula complete with a breakfast bar. The main bedroom offers soft carpet in all the right places, a generously sized sitting area, a walk-in closet, and a private bathroom with dual sinks. Spend relaxing afternoons in the wonderful backyard featuring a covered patio and a refreshing swimming pool great for the summer! Don't miss out on this one! ALL furnishings to convey.

4401 N 40th Street Phoenix, AZ 85018

$500,000
2 Beds
1.5 Baths
1,024 SqFt
Status Active
MLS # 6670260
Property Type Townhouse
Price Type --
Looking for a place to call home? This fabulous two-story townhome in Three Fountains Community is the one! Inside, you'll discover the perfectly flowing open floor plan paired with tile flooring, recessed lighting, and sliding glass doors leading to the back patio. The well-maintained kitchen is equipped with stainless steel appliances, granite counters, plenty of cabinet space, and a large center island. Both sizable bedrooms with wood-look floors and ceiling fans will give you a good night's sleep after a busy day! The cozy back patio is the right spot for unwinding. The Community provides an assigned parking spot and access to the refreshing pool. Don't miss this one-of-a-kind opportunity! Make it yours today!

5321 E Elmwood Street Mesa, AZ 85205

$500,000
3 Beds
2.5 Baths
1,795 SqFt
Status Active
MLS # 6671437
Property Type Single Family Residence
Price Type --
BEAUTIFUL Golf Course home with RESORT style backyard and sparking POOL. The perfect outdoor living space. This Spanish styled home is just waiting for YOU to add your own style and updates. Bright and Light 3 bedroom, 2.5 bath home with 2 car garage. **New AC unit**

900 S Canal Drive Chandler, AZ 85225

$500,000
3 Beds
2 Baths
1,800 SqFt
Status Active
MLS # 6682557
Property Type Townhouse
Price Type --
Welcome to a one-of-a-kind home that whispers stories of French elegance, located in the GATED Che Bella Villas of Chandler. Picture yourself stepping into an incredible remodel, where modern living harmoniously meets European charm. No expense has been spared with over $100K in custom improvements! The dream kitchen features wood-like tile floors offering the warmth of wood combined with the durability of tile. Your culinary adventures will be complemented by a 250 bottle France Wine Cave refrigerator and stunning quartz counters showcased on the massive center island, an inviting hub for friends and family to gather around and share stories. Plantation shutters, designer barn door, crown molding and Pottery Barn lighting add... layers of sophistication and practicality. All walk in closets, pantry and garage have been transformed with $30K in custom crafted build outs - perfect for all your storage solutions! The luxurious bathrooms feature a new steam shower with granite tiles, Carrera marble counters and a 7-foot soaking tub in the primary on suite - you have to see to believe! Imagine unwinding in a space that feels like a private spa retreat, right in your own home. The spacious family room, with its cozy fireplace, becomes the perfect backdrop for your memories. Ideal end unit location is flooded with natural light. Attached 2 car garage and water softener. A blend of luxury, comfort, and style, nestled in a community that offers the best of Chandler. If you've been searching for a home that stands out from the rest, that combines everyday living with elegance, and that is located in a vibrant, welcoming community, your search ends here. Your dream home awaits!

1610 W Lynwood Street Phoenix, AZ 85007

$500,000
3 Beds
1 Bath
1,140 SqFt
Status Active
MLS # 6683262
Property Type Single Family Residence
Price Type --
Step into a piece of Arizona history with this charming 1920's bungalow, nestled in the coveted and iconic F.Q. Historic District. Retaining its distinctive classic integrity while boasting modern finishes, this home offers a unique blend of old-world charm and contemporary convenience. The spacious kitchen is a standout feature, adorned with exposed brick, white beadboard, and butcher block countertops. Built-in stainless steel appliances, an island cook top, and cobalt blue Mexican tile surround the cozy breakfast nook, creating a perfect blend of functionality and style. Newer windows allow natural light to flood the interior, illuminating the subtle Smokey Ash porcelain wood plank flooring and crown molding that graces every room. designated dining area lead to a versatile flex office space and the third bedroom, providing flexibility for modern living. Outside, a spacious covered patio overlooks the backyard, offering a tranquil retreat for relaxation or a stylish setting for entertaining guests. Whether seeking solitude or a quintessential Arizona outdoor experience, this home provides the perfect backdrop for enjoying the desert lifestyle in style. Don't miss the opportunity to own a piece of Arizona's architectural heritage in this enchanting F.Q. Historic District residence. NO HOA!

6127 W Shaw Butte Drive Glendale, AZ 85304

$500,000
4 Beds
2 Baths
2,060 SqFt
Status Active
MLS # 6676617
Property Type Single Family Residence
Price Type --
Look at this captivating 4-bedroom, 2-bathroom home with a low-maintenance front yard, a 2-car garage, and a charming front patio, this home offers more than just curb appeal. Inside, you'll find a spacious living and dining area with new premium vinyl plank flooring, vaulted ceilings, fresh paint, and new blinds throughout. The kitchen boasts sleek white cabinetry, built-in appliances, plenty of counter space, a pantry, and a center island with a breakfast bar. The main bedroom is a serene retreat with private outdoor access through new French doors, carpeting where it counts, an ensuite bathroom with dual sinks, and a walk-in closet. Outside, the expansive backyard features a covered patio, extended seating area, and a refreshing pool - perfect for entertaining or relaxation.