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.

3218 N 37th Street Phoenix, AZ 85018

$516,000
3 Beds
2 Baths
1,296 SqFt
Status Active
MLS # 6622683
Property Type Single Family Residence
Price Type --
MOTIVATED SELLER!!! This well-maintained property located in Citrus Acres/Arcadia Lite, brings you comfort, generous space, and a rare two-car garage—a standout feature in this neighborhood—all without the restrictions of an HOA. Opportunity for expansion with the possibility to construct multi-dwelling units or an ADU, offering you even more flexibility and potential for this property! Situated on a spacious lot, you'll appreciate the generous backyard, side yard, and RV space for all your outdoor needs. The home has been thoughtfully updated to ensure a hassle-free move-in experience. In 2021, new windows were installed, providing natural light and energy efficiency. In October 2023, a brand-new air conditioning system was installed, for year-round comfort. The bathrooms received a refresh in 2022. In Oct 2023, the garage was freshly painted. The fascia boards were replaced, a tasteful upgrade completed in December 2023. Additonally, a new Rheem electric water heater installed April 2024 (9 yr warranty)

5527 W Carson Road Laveen, AZ 85339

$516,000 - 3Br/2Ba -  for Sale in Cottonfields Community Replat, Laveen
Open House
$516,000
3 Beds
2 Baths
2,224 SqFt
Status Active
MLS # 6674253
Property Type Single Family Residence
Price Type --
Single Story Home in Gated Cottonfields Community, Original Owner-Pride in Ownership. Upgraded Island Kitchen, Granite Countertops, Extended Kitchen Cabinets, pull out drawers, Crown molding. Pantry, 10foot + Ceilings throughout, All appliances included. Split Floorplan. Upgraded Primary Tiled Shower, dual sinks, Plantation shutters, Built in ceiling speakers in Primary Bedroom, Great Room &, Outdoor Patio. Gorgeous Landscaped Backyard with Private Hot Tub, Solar Panels=Great Utility Savings , Covered Patio. Cabinets in Garage along with overheard storage area. Easy access to 202 South Mountain Freeway and future restaurants/shopping at Laveen Spectrum & Laveen Park Place. Community includes 2 children's playgrounds, greenbelts, lake in subdivision

19624 W Cartwright Avenue Buckeye, AZ 85396

$515,995
3 Beds
2.5 Baths
2,400 SqFt
Status Active
MLS # 6686742
Property Type Single Family Residence
Price Type --
Lot 108 is the Celeste 3 Bedroom+ Study, 2.5 Bathroom, 3 Car Garage

17741 W Encinas Lane Goodyear, AZ 85338

$515,990
4 Beds
3.5 Baths
2,873 SqFt
Status Active
MLS # 6705291
Property Type Single Family Residence
Price Type --
''Up to 3% of Base Price or total purchase price, whichever is less, is available through preferred lender.'' The Prato floor plan boasts 4 bedrooms, 3.5 baths, a den, loft, soft water loop, and an 8' garage door height, among other notable structural features. Additionally, this home will showcase granite kitchen counters, a gas stub at both the kitchen and backyard, a ring doorbell, and window blinds.

43250 W Askew Drive Maricopa, AZ 85138

$515,000
4 Beds
2 Baths
2,474 SqFt
Status Active
MLS # 6676946
Property Type Single Family Residence
Price Type --
Picturesque single story home in Rancho El Dorado! This sprawling 4 bedroom 2 bath home offers everything you could ask for in luxury resort, desert living!! Granite countertops, engineered hardwood floors, 42'' maple cabinets, spacious closets, vaulted ceilings, the list goes on and on. Exquisite backyard offers relaxation or space for entertaining, pool refurbished in 2021 including new rebar, pebble tech and water line tile and autofill. Hot tub has 2 year old circuit board and motor. Complete HVAC system newly installed 2024.

6108 N 418th Avenue Tonopah, AZ 85354

$515,000
4 Beds
2 Baths
1,897 SqFt
Status Active
MLS # 6681591
Property Type Single Family Residence
Price Type --
Buyers unable to perform. Their lost your gain. Your dream home is here! This stunning 4-bed, 2-bath residence is complete with a 2-car garage, an extended driveway, and a tasteful stone facade. Inside, the great room showcases vaulted ceilings, abundant natural light, a soothing palette, and attractive wood-plank tile flooring. The kitchen boasts sleek quartz counters, white shaker cabinets, SS appliances, chic pendant lighting, a tile backsplash, a walk-in pantry, and a central island with a breakfast bar. The main bedroom features a private bathroom with dual sinks and a walk-in closet. The vast backyard is a blank canvas, offering a covered patio, breathtaking mountain views, and ample space to create your dream oasis. Make this gem yours today!

24402 S Starcrest Drive Sun Lakes, AZ 85248

$515,000
2 Beds
2 Baths
2,123 SqFt
Status Active
MLS # 6702841
Property Type Single Family Residence
Price Type --
Lovely home in the heart of OAKWOOD COUNTRY CLUB, featuring VAULTED CEILINGS & elegant PLANTATION SHUTTERS w/ an open & airy ambiance. Kitchen is a chef's dream with plentiful cabinets & countertops. Both formal dining & eat-in kitchen are great for entertaining! Living room features a cozy fireplace, ideal for relaxing evenings, while the dedicated DEN/OFFICE provides a private space for work. Primary bdrm has sep exit to patio + ensuite has dual sinks. Lg guest bdrm w/ walk-in closet. Spacious screened-in patio & LOW MAINTENANCE BACKYARD-perfect for enjoying Arizona's beautiful weather! NEW ROOF/FRESH PAINT in 2023, New PEX plumbing in 2020, HVAC replaced in 2015 adds both value & peace of mind. All this in an exclusive, GATED, 40 & over ACTIVE ADULT COMMUNITY w/tons of fun AMENITIES!

1242 W Manhatton Drive Tempe, AZ 85282

$515,000
3 Beds
2 Baths
1,006 SqFt
Status Active
MLS # 6686208
Property Type Single Family Residence
Price Type --
This recently updated 3-bedroom, 2-bathroom home is conveniently located within a fifteen-minute drive of ASU, Spring Training Facilities, Old Town, Mill Ave, and Skyharbor. The spacious backyard features a pool, seating area, grill, putting green, sand pit, cornhole, and fire pit seating. The master bedroom boasts a walk-in closet and a full bathroom.

3659 S 63rd Drive Phoenix, AZ 85043

$515,000
5 Beds
3 Baths
1,939 SqFt
Status Active
MLS # 6690176
Property Type Single Family Residence
Price Type --
Welcome to modern luxury living in the tranquil Village at Estrella community. Discover the epitome of open-concept elegance in this gorgeous home, where natural light bathes spacious living areas designed for contemporary lifestyles. Imagine preparing gourmet meals in the sleek, chef-inspired kitchen equipped with top-tier appliances and a generous center island. Guests can mingle freely from the dining area to the plush comforts of the living room, anchored by chic design and seamless flow. Retire to your exquisite master suite, a sanctuary where relaxation is paramount—an en suite master bathroom complements it, promising a spa-like retreat after long days. Outdoors, revel in the serene ambiance of your low-maintenance backyard featuring a bespoke gas fire-pit—perfect for starlit

14247 N Ashbrook Drive Fountain Hills, AZ 85268

$515,000
3 Beds
2 Baths
1,643 SqFt
Status Active
MLS # 6692186
Property Type Twin Home
Price Type --
LISTED UNDER APPRAISED VALUE!!! 3 bedroom, 2 bath Gemini twin home in Fountain Hills offers a delightful blend of comfort, functionality, and modern amenities, all while exuding the charm of a single-family residence. This layout offers the benefits of community living while still maintaining a sense of privacy and independence. The primary bedroom features an ensuite bathroom, boasting a spacious walk-in shower and double sinks, providing a luxurious and convenient retreat. The home boasts new AC and newer kitchen appliances, ensuring energy efficiency and reliability. The kitchen stands out with its granite countertops, providing a sleek and stylish workspace for culinary endeavors.The absence of carpet and the presence of tile and laminate flooring throughout the home offer durability easy maintenance, and a clean, modern aesthetic. Being adjacent to a wash adds to the natural charm of the surroundings, providing a serene backdrop and enhancing the sense of tranquility. With its clean and well-maintained condition, this home is ready for immediate occupancy!!

445 Starlight Lane Wickenburg, AZ 85390

$515,000
2 Beds
2.5 Baths
2,052 SqFt
Status Active
MLS # 6699153
Property Type Single Family Residence
Price Type --
Well kept home on a large lot. Quiet cul-de-sac location. Two master bedrooms along with a 1/2 bathroom for guests. Large Kitchen with double ovens, and a cook top in the island. Plenty of cabinets and counter top space. Pella windows. Oversized two car garage. Well landscaped with large back yard.

5059 N 83rd Street Scottsdale, AZ 85250

$515,000
4 Beds
2.5 Baths
1,752 SqFt
Status Active
MLS # 6694981
Property Type Townhouse
Price Type --
Discover the perfect blend of comfort and convenience in this inviting 4 bed, 2.5 bath townhouse located just moments away from Old Town Scottsdale. Entertaining is effortless with a spacious living area flowing seamlessly into a split dining area, complemented by an L-shaped kitchen island perfect for casual gatherings. Retreat to the private back patio to savor the Arizona weather. Take advantage of the nearby Chaparral Park and dog park for outdoor recreation. Conveniently situated near the 101 highway, this townhouse offers easy access to surrounding areas while being in close proximity to Old Town Scottsdale's dining, shopping, and entertainment offerings. With two designated carport spots, a detached storage shed, and a plethora of nearby amenities this residence offers the ultimate Scottsdale living experience. Whether you're looking for a new place to call home or an investment property that allows short terms rentals, this is place for you!