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.

4525 N 66th Street Scottsdale, AZ 85251

$515,000
2 Beds
2 Baths
1,962 SqFt
Status Active
MLS # 6633331
Property Type Townhouse
Price Type --
This STUNNING REMODEL has a unique, open floorplan that will be the envy of everyone! Owner has created a home that is open. light and bright, with designer touches everywhere! Beginning with the new tile flooring & reconfigured chef's kitchen, enjoy the raised ceilings, gorgeous two-toned cabinets, sparkling quartz countertops & glass backsplash tile, and all new kitchen island & ''smart'' Thermador stainless appliances! This open kitchen is truly one-of-a-kind and it opens beautifully to the adjacent family room providing a wonderful layout to relax or entertain guests! The family/dining area also has raised ceilings, and a wall of windows that brings in lots of light, and views to the beautifully landscaped backyard! The home office/den connects to the family room, and easily converts to a 3rd bedroom! Step into the master bedroom & bath, again featuring gorgeous new modern tile finishes and cabinetry, and a new walk-in shower! Master bdrm includes a large walk-in closet, and views to the professionally landscaped front yard & garden. The second bathroom is also completely remodeled with gorgeous tile & glass, perfect for spoiling your guests! Step outside to the expansive covered patio and enjoy a large lot with professionally landscaped & maintained yard & gardens! This outdoor space is perfect for relaxing, entertaining and enjoying your pets! This amazing guarded-community offers tons of ammenities including 3 pools, tennis & gaming courts, a workout facility and event space, and peace-of-mind with complete exterior maintenance of the home! All these amazing home features PLUS its perfect location in the heart of Scottsdale with quick access to Fashion Square Mall, Old Town Scottsdale, tons of restaurants, golf and hiking...you don't want to miss this incredible home!

11537 W Laurelwood Lane Avondale, AZ 85392

$515,000
4 Beds
2.5 Baths
3,169 SqFt
Status Active
MLS # 6701927
Property Type Single Family Residence
Price Type --
Motivated Seller! Bring all offers! 4 bed/3 bath, a loft, and a bonus/craft room. The spacious Master suite offers his/her sinks, granite slab vanity, a shower and a garden tub. Upstairs has a loft and 3 good sized bedrooms. You'll enjoy cooking and entertaining with the gorgeous granite slab island with breakfast bar opening to the spacious living room with plenty of lighting and soaring ceilings. Plenty of pantry space and a welcoming dining room for all. Walk out to the backyard and sit back. It's time to relax! You can envision splashing in the fenced pebbletec pool or having friends over for a bbq party. All of this in a highly sought after community with Lakes for fishing and non-motorized boating. Shopping and dining nearby, but this community is quie

18156 W Desert Willow Drive Goodyear, AZ 85338

$515,000
4 Beds
3 Baths
2,672 SqFt
Status Active
MLS # 6642500
Property Type Single Family Residence
Price Type --
Nestled in the heart of Goodyear, Arizona, 18156 W DESERT WILLOW DR stands as a testament to comfort, style, and modern living. This meticulously designed residence is more than just a house; it's an invitation to a lifestyle where every detail has been carefully considered to create a haven that truly feels like homeAs you step through the front door, you are greeted by an open and inviting atmosphere. Sunlight streams through large windows, bathing the living spaces in warmth. The thoughtful layout seamlessly connects the living, dining, and kitchen areas, creating a harmonious flow that is perfect for both everyday living and entertaining guests. The kitchen, the heart of any home, is a chef's dream. Modern appliances, ample counter space, and tasteful finishes make this space as functional as it is beautiful. Whether you're preparing a quick weekday meal or hosting a dinner party, this kitchen is sure to inspire culinary creativity.

19331 W Jefferson Street Buckeye, AZ 85326

$515,000
5 Beds
4 Baths
3,661 SqFt
Status Active
MLS # 6655681
Property Type Single Family Residence
Price Type --
Welcome to this beautiful corner lot residence featuring a spacious 3-car garage in Vista de Montana! Fall in love with an impressive interior offering charming living areas, neutral tile floor, & designer palette throughout. The well-appointed kitchen boasts a plethora of wood cabinets adorned with crown moulding, a pantry, granite counters, SS appliances, recessed lighting, & a convenient center island. Discover a versatile loft perfect for anything you'd like! Double doors open to the main retreat comprised of plush carpet in all the right places, a private bathroom with dual sinks, & a walk-in closet. The serene backyard, complete with covered & open patios, will be your new favorite spot for entertaining! What are you waiting for? Create new memories in this fantastic home!

21144 E Creekside Drive Queen Creek, AZ 85142

$515,000
5 Beds
2.5 Baths
2,294 SqFt
Status Active
MLS # 6670209
Property Type Single Family Residence
Price Type --
Updated 5 bedroom 2 1/2 bathroom home in Hastings Farm. New exterior and interior paint, updated bathrooms, extra recess can lighting, ceiling fans in all rooms, artificial turf backyard with 2 putting greens, and new hot water heater! Has 1 bedroom on the main floor.

22483 E Creosote Drive Queen Creek, AZ 85142

$515,000
3 Beds
2 Baths
1,942 SqFt
Status Active
MLS # 6675027
Property Type Single Family Residence
Price Type --
Welcome to this Lovely Meridian home with an open floor plan and large sliding doors that allow the great room to feel more open and the natural light to brighten the home. This home features upgraded plank flooring, upgraded range w/ double oven, plantation style window framing, epoxy garage flooring and epoxy stone back patio and large secondary bedrooms. The back yard features an easy to maintain turf w/ beautiful well established Queen palms making for an Oasis in the desert at home. Only minutes from the Queen creek city center.

8537 E Natal Circle Mesa, AZ 85209

$515,000
3 Beds
2 Baths
2,267 SqFt
Status Active
MLS # 6675592
Property Type Single Family Residence
Price Type --
This Pulte-built former model home has 3 bd, 2 ba, a fully enclosed AZ Room & a 2+ CG. This 1-story, split floor plan home has some nice extras and is ready for its New Owner! It is a must see! The AZ Room and Garage both have Neo Plasma Split AC units to cool them efficiently. Eye catching curb appeal with a Flag Stone walkway, front porch entry area and easy to maintain desert landscaping. The decorative Security Door leads into the dream home with Plantation Shutters & Tile throughout. The formal dining room and Great room offer all the space you need for entertaining. The spacious kitchen has a huge island, pantry, and breakfast bar/area. Your master suite has a wonderful 4ft. deep bay window, separate tub & upgraded shower (2023). Seller to provide $15,000 concession for updates.

1413 W Megan Street Chandler, AZ 85224

$515,000
3 Beds
2 Baths
2,116 SqFt
Status Active
MLS # 6690556
Property Type Single Family Residence
Price Type --
Location! Location! You'll love this classic and updated Chandler home located centrally to everything that's best about Chandler. Expanded master and master bathroom. Kitchen boasts granite countertops, island and stainless steel appliances. Water softener and R/O. Award winning Chandler schools.

4077 S Sabrina Drive Chandler, AZ 85248

$515,000
4 Beds
3 Baths
1,775 SqFt
Status Active
MLS # 6683937
Property Type Townhouse
Price Type --
Welcome to your dream home, a stunning 2021 built residence nestled in the heart of Chandler, AZ's prestigious Echelon at Ocotillo - a Gated Lake Community. This meticulously designed home offers a perfect blend of modern elegance and comfort, providing an unparalleled living experience. Step into a world of sophistication with this beautifully appointed 4 bedroom, 3 bathroom home (1 bed, 1 bath downstairs). Open-concept layout with chef-inspired kitchen and sleek island, upgraded flooring, granite counter tops, stainless steel appliances, ceiling fans and light fixtures. Retreat to the serene master suite, complete with a luxurious ensuite bathroom and walk-in closet. Additional bedrooms offer comfort and versatility. Water softener, RO and Ring security system installed. 2 Car Garage Step outside to your own private oasis! The charming patio provides the perfect setting for al fresco dining or relaxing with a morning cup of coffee. Enjoy the warm Arizona weather year-round in this delightful outdoor space. Resort-Style Amenities-Residents of this community enjoy access to an array of resort-style amenities, including a sparkling swimming pool, clubhouse, and well-maintained grounds. Experience the epitome of luxury living right at your doorstep. Situated in a prime Chandler location, this end unit home offers easy access to top-rated schools, shopping, dining, and entertainment options. Enjoy proximity to major highways, making commuting a breeze and allowing for convenient travel throughout the Phoenix metropolitan area. Don't miss the opportunity to call this exceptional property your new home and experience luxury living at its finest in Chandler, AZ.

3541 E Sunnyside Drive Phoenix, AZ 85028

$515,000
3 Beds
2 Baths
1,704 SqFt
Status Active
MLS # 6683525
Property Type Single Family Residence
Price Type --
This amazing Phoenix home is now available! Inside you'll find an open concept living area with modern tile floor and easy access to the Arizona room (with AC!). The updated kitchen features granite countertops, a massive Whirlpool refrigerator, and plenty of storage. The north-facing primary bedroom has plenty of natural light and the remodeled primary bathroom has been detailed with bright white tile on the walk-in shower. The backyard includes pavers, grass, new iron gates and two storage sheds. Other bonuses include an updated roof (2022), new solar system (LOW to ZERO electric bills), new HVAC (2023), and no HOA! Conveniently located within walking distance to the neighborhood park and a quick drive to shopping, dining, and the AZ-51.

1611 W Indianola Avenue Phoenix, AZ 85015

$515,000
3 Beds
2 Baths
2,198 SqFt
Status Active
MLS # 6686035
Property Type Single Family Residence
Price Type --
Tastefully updated 3 bed 2 bath home in the lovely St. Gregory neighborhood. Main bathroom has been completely remodeled. Updated wood plank floors throughout. Large flex room in the back of the house has its own entrance. This could be a family room, game room, office or another bedroom. Spacious laundry and storage room off of the kitchen. Front yard was just landscaped with low maintenance turf. NO HOA!

19819 W Buchanan Street Buckeye, AZ 85326

$515,000
4 Beds
3 Baths
2,170 SqFt
Status Active
MLS # 6687116
Property Type Single Family Residence
Price Type --
Finished immaculate single story 4 bed 3 bath home in the beautiful neighborhood of Blue Horizons! Seller willing to make solar payments for June & July this summer. Large entry hall and 9 foot ceiling invite you into spacious white kitchen with country charm and unique subway tile backsplash, and a large island with breakfast bar. Solar, fully landscaped yard with heat-treated patio surface and a sparkling large play pool! Master is a tranquil retreat spa-like master bath and walk in shower with separate his/her sinks. Plenty of room in the secondary bedrooms for a large family or private den/craft room and guest rooms with separate bathrooms for each. In-wall doggie door and fenced off dog run with real grass, pavers in the right places. Bring your furniture and suitcases a must see!!