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.

15794 W Mckinley Street Goodyear, AZ 85338

$499,995
4 Beds
2 Baths
2,265 SqFt
Status Active
MLS # 6694239
Property Type Single Family Residence
Price Type --
Gorgeous corner lot home with north/south exposure. This spacious open floor plan home includes 2,265 sqft. of open living space, 3 bedrooms + 1 den, 2 bathrooms, a split floor plan, tile on all common areas, wall to wall sliding glass door with power controlled blinds, a beautiful gourmet kitchen. The kitchen features dark espresso cabinetry, granite counters, tile backsplash, stainless appliances including a gas range and oversized kitchen island with plentiful breakfast bar seating. Walk into the master bathroom with a rain shower that you will never want to leave. Enjoy those mornings and evenings in your own backyard's small private oasis. This property is a MUST SEE!!!!

3935 E Rough Rider Road Phoenix, AZ 85050

$499,995
3 Beds
2.5 Baths
1,575 SqFt
Status Active
MLS # 6698733
Property Type Apartment
Price Type --
Welcome to luxury living in the heart of Desert Ridge! This might be the best location in this desirable gated enclave, featuring 3 full bedrooms, 2.5 baths, 2 car garage, granite counters, stainless steel appliances, soft water system and all appliances included! The stunning Villages at Aviano features incredible amenities! In addition to the heated pool and outdoor spaces within the complex, you also have full access to the award winning Aviano facilities featuring heated pool, spa, fitness center, weight room, tennis & basketball courts, rock wall and a more! Desert Ridge is the place to be! Over 30 restaurants within 5 min, world class shopping, highly rated schools, amazing parks and ample open spaces-the crown jewel of the North Valley!

3614 W Cobalt Court San Tan Valley, AZ 85144

$499,995
4 Beds
3 Baths
1,991 SqFt
Status Active
MLS # 6700066
Property Type Single Family Residence
Price Type --
This beautiful home was crafted for the way you live. The open-concept kitchen provides connectivity to the main living area with prime access to the outdoor patio. Embrace relaxation in the sun-filled great room that is bursting with natural light and is adjacent to the kitchen and casual dining area. A first-floor office provides the space to work from home. Don't miss this opportunity!

5610 W Thurman Drive Laveen, AZ 85339

$499,990
3 Beds
2.5 Baths
2,178 SqFt
Status Active
MLS # 6696934
Property Type Single Family Residence
Price Type --
Introducing the Ruby plan, an exquisite modern desert retreat offering 3 bedrooms, 2.5 bathrooms, and a versatile den across its expansive 2173 square feet. Welcomed by a sleek paver driveway, this residence exudes contemporary charm and sophistication.Step inside to discover the seamless fusion of style and functionality, with grey wood-look tile flooring anchoring the open-concept living spaces. The kitchen is a culinary haven, featuring grey cabinets with upper cabinets reaching 36 inches in height, complemented by a crisp white backsplash and luxurious granite countertops.Designed with entertaining in mind, the home boasts a 4-panel sliding glass door leading to the backyard oasis, where outdoor gatherings await. The split floorplan ensures privacy, with the secondary bedrooms situated up front and the primary suite tucked away at the rear.Indulge in the comfort of the primary bath, complete with double vanities and a spacious walk-in shower. The convenience continues with a 4-car tandem super garage, providing ample space for vehicles and storage.This home comes fully equipped with blinds, appliances, and a garage door opener, offering a turnkey solution for modern living. Don't miss the opportunity to call the Ruby plan your own and experience the epitome of desert luxury.

5622 W Thurman Drive Laveen, AZ 85339

$499,990
4 Beds
3 Baths
2,124 SqFt
Status Active
MLS # 6690313
Property Type Single Family Residence
Price Type --
Welcome to this stunning newly constructed single-story home offering a perfect blend of modern convenience and classic design in Laveen's beautiful Estrella Crossing Community featuring mountain views, miles of walking paths, open green spaces and parks! . There's plenty of curb appeal with a modern-desert exterior finish complete with a welcoming front porch and front yard landscaping. The interior boast 2124 square feet of meticulously designed living space including 4 bedrooms, 3 bathrooms and a den just off the second bedroom and bathroom which is designed perfectly to be used for a guest retreat, work from home space or private in-law or teen sweet. This home presents the Harmony pallet interior design finishes with open concept living through out the kitchen, dining and great rooms and features 8 foot doors through out giving it a feeling of grandior. The kitchen boasts a large island, quartz countertop and stainless steel appliances with a gas range accented with a signature Harmony backsplash and black cabinet pulls. The primary bedroom with on suite bath is situated at the back of the home offering quiet and privacy and has a window view of the backyard area. The 4-car tandem garage offers ample parking or storage and includes a garage door opener for your convenience. Right now, Ashton Woods is pleased to include ALL APPLIANCES in this home, making your move-in process seamless. You will find stainless steel dishwasher, stove, and refrigerator in the kitchen, and matching washer-dryer in the well-appointed laundry room .Don't miss out on making this residence yours. Located right off the new Loop 202 and Elliot. Great location close to dining, freeways, parks, and entertainment.

25136 N 159th Drive Surprise, AZ 85387

$499,990
3 Beds
2.5 Baths
2,052 SqFt
Status Active
MLS # 6677266
Property Type Single Family Residence
Price Type --
Everything is stepped up on the McCormick floorplan at Mason Ranch! 4 CAR GARAGE!!! This home is a true stunner with 3 Bedrooms, 2 and a half Baths, enlarged Kitchen with White Shaker Cabinets thru-out w/ 42 inch Kitchen uppers, Walk-in Pantry, Stainless Steel Whirlpool appliances with Gas Range, 24x12 staggered modern ceramic tile, Super-sized Kitchen Island, all with beautiful quartz kitchen tops in the kitchen area. ALL of which overlooks a massive Great Room! Each bath has been modernized with square sinks and marble-like shower wall panels! Exquisite! ALL of our homes include SMART Home technology. This home is ready for move in!

25158 N 159th Drive Surprise, AZ 85387

$499,990
4 Beds
3 Baths
2,434 SqFt
Status Active
MLS # 6690420
Property Type Single Family Residence
Price Type --
WOW!!! Best selling Pearl Floorplan is now ready for quick move in at the brand new Mason Ranch! This home is a stunner w/giant kitchen island, White Shaker 42 inch kitchen cabinets, under cabinet lighting, 12X24'' tile, and QUARTZ kitchen countertops, 4 bedrooms, 3 bath w/ porcelain shower walls and vanity tops w/ undermount sinks, Dining Rm, & enlarged den. Prewired for kitchen pendant lights & surround sound speakers in Great Rm. ALL of our homes include SMART Home technology. Ready for delivery!

32204 N Sonny Jim Road San Tan Valley, AZ 85140

$499,990
4 Beds
3.5 Baths
3,020 SqFt
Status Active
MLS # 6679026
Property Type Single Family Residence
Price Type --
New Construction!! Nestled perfectly in the sought after city of San Tan Valley. Adorable 2-story home with 4 bedrooms, 3.5 bathrooms, large den and a loft, with a 3 car tandem car garage. Ashton Woods offers a spacious owner's suite, stainless steel appliances, granite kitchen countertops and classic white shaker style cabinets makes this a place to call home. Conveniently located off of Combs Rd and Schnepf Rd. As with all of our homes, this one is also constructed as ''Energy Star'' for remarkable comfort, energy efficiency and environmental sustainability!

17672 W Encinas Lane Goodyear, AZ 85338

$499,990
4 Beds
3 Baths
2,309 SqFt
Status Active
MLS # 6698007
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 Cantania floor plan includes 4 bedrooms, 3 bathrooms, a den, a luxurious super shower in the owner's suite, a water softener loop, and an 8-foot garage door for extra height. The home also offers a chef-style kitchen with quartz countertops, gas stubs in both the kitchen and the backyard, and window blinds throughout.

40900 W Agave Road Maricopa, AZ 85138

$499,990
3 Beds
2 Baths
1,987 SqFt
Status Active
MLS # 6527806
Property Type Single Family Residence
Price Type --
READY FOR MOVE-IN!!! It's our popular Belice floor plan. - 3 bedrooms + flex space, 2 baths and a 3 car tandem garage. Multi Slide door off the great room that leads to the extended covered patio. Walk in shower at owner's bath. Stainless steel gas appliance package with microwave. Wentworth painted white cabinets with 42'' uppers in kitchen. AZT Calcatta Capella quartz countertops in kitchen and owner's bath. 2x5 DT Marble Attache Matte back splash in kitchen. 8' tall interior doors. Upgrade flooring includes level 9 carpet ''Urban'' in bedrooms and owner's closet. MZ Norwood 6x24 Norwood Oak tile in remaining areas of the home. Garage door and a 8' tall garage door for those high profile vehicles and much more.

4413 S 108th Avenue Tolleson, AZ 85353

$499,990
5 Beds
4 Baths
2,945 SqFt
Status Active
MLS # 6680669
Property Type Single Family Residence
Price Type --
New Construction! Estimated completion is April 2024. 2-story, 5 bedrooms, 4 baths, loft, Den, and 3 car tandem garage with pavers on driveway. One full bedroom and bathroom downstairs - great for a guest or mother-in-law. There is also a den, kitchen open to Great Room and covered patio to enjoy the backyard that backs to a wash area for extra privacy. In the kitchen you will find a walk in pantry, kitchen island, granite kitchen countertops, as well as white kitchen cabinets. Upstairs we offer a spacious Loft, 4 bedrooms, and 3 full bathrooms. The spacious owner's suite includes a walk-in shower with cultured marble backing and glass panels and his and hers sinks. This home also includes ceiling fan prewire at all bedrooms, den, loft and great room.

3610 E Peralta Canyon Lane San Tan Valley, AZ 85140

$499,990
3 Beds
2 Baths
1,832 SqFt
Status Active
MLS # 6688521
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#6688521 Ready Now! Model home sale! The Edmonton at the new Combs Ranch Discovery community is a thoughtfully designed single story home offering 4 bedrooms, spacious owner's suite, and outdoor living space. Just off the foyer is the dining room that opens to the beautifully upgraded kitchen. There is plenty room to entertain or relax in the gathering room that overlooks the outdoor living. Design upgrades include: paver front porch, fully landscaped backyard, custom built in, curtains, GE top load white washer and dryer, Ge profile refrigerator, insulated garage, soft water loop and outdoor gas stub. Design upgrades include: paver front porch, fully landscaped backyard, custom built in, curtains, GE top load white washer and dryer, Ge profile refrigerator, insulated garage, soft water loop and outdoor gas stub.