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.

3131 N Central Avenue Phoenix, AZ 85012

$499,900
2 Beds
2 Baths
1,125 SqFt
Status Active
MLS # 6624731
Property Type Apartment
Price Type --
*Construction Completed* 3.5% buyer incentive can be used towards rate buy down, upgrades, closing costs, or combo of those! Introducing Edison Midtown Phase 2 with 60 new construction condominiums. This spacious two bedroom condo offers ten ft. ceilings, an open floor plan, and large master bedroom with ensuite bathroom. Chefs kitchen offers expansive cabinetry, quartz countertops and stainless steel appliances including a gas range. Edison Midtown features incredible amenities for that perfect Urbanite lifestyle. A beautiful pool and lap pool, 2000 sq. ft. fitness center and lounge, and gated parking garage.

12336 W Pinnacle Vista Drive Peoria, AZ 85383

$499,900
2 Beds
2 Baths
1,635 SqFt
Status Active
MLS # 6632392
Property Type Single Family Residence
Price Type --
Beautiful Shea Home with open floorplan and lots of windows/natural light. Very private location in one of the original sections of Trilogy. North/South exposure. Entertain in the beautiful North-facing backyard or use the South-facing courtyard in front. Both are covered but allow for beautiful desert landscape views. Owner has recently updated cabinets to lighten and brighten spaces throughout the home. Fantastic floorplan with a generously sized kitchen with plenty of cabinets, storage, and an island. Granite counters compliment the stainless steel appliances. Two bedrooms have plenty of room and closet space. A Den with double doors makes a great office, bonus room or third sleeping area. Owners suite has a walk in closet and sliding doors to backyard patio. Other features include: Tankless water heater, water filtration system, fenced backyard, blinds, ceiling fans, newer air conditioner, built in BBQ, fruit trees, and plenty of shade on both the patio and under the front court yard pergola. This home is move in ready!

4133 E Tanglewood Drive Phoenix, AZ 85048

$499,900
3 Beds
2 Baths
1,350 SqFt
Status Active
MLS # 6636104
Property Type Single Family Residence
Price Type --
MINUTES to 202 and I-10 Frwys, Grocery Stores, SHOPPING, Schools, HIKING TRAILS, Parks, Entertainment, and More! * N/S Exposure * VAULTED CEILINGS * REMODELED HOME with New WOOD FLOORS, Baseboards, PAINT, Fixtures, NEW ROOF, Hardware, QUARTZ COUNTERTOPS, Recessed Lighting, CABINETS, Blinds, and CEILING FANS * Kitchen Features a BAY WINDOW in Nook Area and STAINLESS STEEL Appliances including a FRIDGE, Stove/Oven, BUILT-IN MICROWAVE, and Sink * Guest Bathroom has TILED Shower Wall and Resurfaced Tub * SPLIT Master Bedroom has a SEPARATE TUB and TILED SHOWER with DUAL SINKS and WALK-IN CLOSET * Large LIVING ROOM has FRENCH DOORS * Backyard has a COVERED PATIO, New Gravel and LUSH GREEN ARTIFICIAL GRASS! * Exterior concrete including Garage Floor has NEW CONCRETE PAINT! * LOW HOA Dues!! *

4066 E Cathy Drive Gilbert, AZ 85296

$499,900
3 Beds
2.5 Baths
2,303 SqFt
Status Active
MLS # 6637333
Property Type Single Family Residence
Price Type --
The wait is over! Book your tour on this awesome 3 bedroom, 2.5 bath, 2 garage home with loft and huge living area! Located in prime Gilbert location off Recker and Warner and close to 202! Very nice kitchen granite counters, white cabinets, kitchen island, double wall ovens, and newer dishwasher! Huge formal dining area that can be used for separate living area if desired. Functional loft on the second level perfect for work space or living area. Massive primary suite with room for sitting area and large walk-in closet. 2 sinks, separate tub and shower and private toilet room. Jack and jill bath at secondary bedrooms for added convenience. Community offers pool and spa, large grassy park, and playground. Great value and great location make this a great buy!

4151 S Plasma -- Mesa, AZ 85212

$499,900
3 Beds
2 Baths
1,567 SqFt
Status Active
MLS # 6650303
Property Type Single Family Residence
Price Type --
Premium lot with a big backyard surrounded by single story homes for privacy. This 3-bedroom 2-bathroom home is located in the desirable Eastmark community. Tile throughout with carpet in the bedrooms. Large kitchen island with Granite countertops. Plantation shutters on the windows facing the front of the house. SELLER TO CONTRIBUTE $5,000 TOWARDS BUYERS CLOSING COSTS.

15452 W Skyview Way Surprise, AZ 85374

$499,900
3 Beds
2 Baths
2,334 SqFt
Status Active
MLS # 6658553
Property Type Single Family Residence
Price Type --
This pristine FURNISHED Hacienda home in The Grand boasts over 2,300 sq ft, featuring 3 bedrooms, 2 bathrooms, and a coveted split floor plan. The spacious kitchen, complete with stainless steel appliances and a bar top area, creates an ideal entertaining space. The sizable owners bedroom suite offers a bay window, double sinks, and a two-door walk-in closet. Two guest bedrooms are separated by a full bathroom. Enjoy both a formal living room and a family room with a gas fireplace. You can enjoy the wonderful Arizona weather on the spacious covered patio! The two-car extended garage includes attached cabinets. Exterior enhancements include a stone facade and fresh paint

3550 E Edna Avenue Phoenix, AZ 85032

$499,900
3 Beds
2 Baths
1,157 SqFt
Status Active
MLS # 6659931
Property Type Single Family Residence
Price Type --
Your dream home awaits! Meticulously cared-for Pulte gem, ready for its next chapter. Second owners, captivated by its charm. Mature landscaping, citrus trio, and a pergola create a private retreat. AMPLE STORAGE, 2 car garage with a Brand-new garage overhead storage, custom blinds, and windows, and fresh paint amplify interior allure. * Updated paint, light & plumbing fixtures and a stove with built-in air fryer! Make it your own or move in hassle-free. Proximity to top-notch dining, shopping, and seamless freeway access. Ideal timing for Spring Training! Embrace an active lifestyle with nearby trails. Modern convenience and security with a smart lock, new ADT system, and cameras. **Your peace of mind assured until July 2025 with an included home warranty. Come see your home in perso

9705 E Mountain View Road Scottsdale, AZ 85258

$499,900
2 Beds
2.5 Baths
1,365 SqFt
Status Active
MLS # 6661907
Property Type Townhouse
Price Type --
Resort style living at it's best! Just remodeled townhome features NEW quarts kitchen and bath counters, NEW tiled showers, NEW plank flooring throughout, Fresh paint, refreshed woodburning fireplace, rebuilt upper patio off the large master and above your large covered patio yard and a epoxy coated garage! This is a gated community that maintains your front yard for you and unit is close to 1 of 5 pools, 6 spas, 9 tennis courts, 2 pickleball courts, Fitness Center with Sauna, Tennis Pro, Activities Director and a Grand Clubhouse. Close to the 101, Scottsdale Ranch's Lake Serena, Scottsdale Ranch parks, restaurants, shopping, golf, spring training facilities, resorts, casinos, Old Town Scottsdale and much more! .

5 N 119th Avenue Avondale, AZ 85323

$499,900
3 Beds
3 Baths
2,687 SqFt
Status Active
MLS # 6662962
Property Type Single Family Residence
Price Type --
Nestled within the prestigious Cold Water Springs community, this 3-bedroom, 3-bathroom home is a gem. Situated on a coveted golf course lot, panoramic views of the pristine fairways and greens greet you from every window. Step into the backyard oasis, where a large pool beckons for relaxation, while the meticulously manicured putting green offers endless entertainment. Inside, the residence boasts spacious living areas. With an open floor plan designed for seamless indoor-outdoor living, this home provides the perfect blend of sophistication and leisure, creating an ideal retreat.

21856 N Sunset Drive Maricopa, AZ 85139

$499,900
4 Beds
2.5 Baths
3,166 SqFt
Status Active
MLS # 6664490
Property Type Single Family Residence
Price Type --
Absolutely stunning 4 bed/2.5 bath home with a versatile study/office/5th bedroom, showcasing a perfect blend of elegance and functionality. Step inside to discover the exquisite wood-like tile flooring that adds warmth and style throughout. The formal living and dining rooms create an inviting atmosphere, while the oversized great room provides ample space for entertainment and relaxation. The kitchen is a chef's dream, boasting stainless steel appliances, granite countertops, cabinets with molding, and a fabulous island with a convenient breakfast bar. Escape to the large primary bedroom featuring a beautifully tiled super shower with benches, an extended vanity with double sinks, and a spacious walk-in closet. Upstairs, a generous loft serves as a bonus entertainment area, complementing the split floor plan that offers privacy. Each bedroom comes complete with its own walk-in closet. The outdoor space is a true oasis, offering breathtaking mountain views, lush landscaping, and an extended covered patio equipped with remote-controlled fans and retractable porch screens. Enjoy over 1800 sq ft of tile and pavers, creating a luxurious and low-maintenance retreat. The garage is not just a storage space; it features epoxy flooring for a polished finish. This home is not only aesthetically pleasing but also incorporates practical features such as a tankless water heater, new light fixtures throughout, HE Washer and dryer and a whole-house water softener. There is also extra LED lighting added downstairs and upgraded baseboards throughout. Community amenities include a lake, biking and walking paths, pool and splash pad, ramadas with grilling stations, large soccer and baseball field, basketball courts and horseshoe pits. Experience the perfect blend of style, comfort, and modern amenities in this exceptional property!

2409 W Mandalay Lane Phoenix, AZ 85023

$499,900
4 Beds
3 Baths
2,162 SqFt
Status Active
MLS # 6668488
Property Type Single Family Residence
Price Type --
NO HOA! 4 Bedroom 3 Bathroom Tri-Level Home Located in North Central Phoenix. This beautiful home with a recently upgraded kitchen, pool and front yard has 3 bedrooms upstairs and one private bedroom on the bottom floor. Just an easy 20 Min Drive From Downtown, Sky Harbor Airport and North Scottsdale. You are mere Minutes From I17 and Loop 101 Freeway's. The Convenience of this location is Just Fabulous! The Sparkling Blue Pool awaits in your private low maintenance backyard. The Property does have solar, the seller will pay off the solar note at closing so it will be owned. Pool was redone in 2017 and HVAC in 2020. On top of all this, it has North / South Exposure.

17852 W Jessie Lane Surprise, AZ 85387

$499,900
4 Beds
2.5 Baths
2,821 SqFt
Status Active
MLS # 6671520
Property Type Single Family Residence
Price Type --
Beautiful move-in ready home with 4 spacious bedrooms, 2.5 baths w/ loft and study. Primary bedroom is downstairs with an en suite bath that connects to the laundry room. Open floor plan with a great room and eat-in kitchen. Large island and a Butler's Pantry. Gorgeous tile downstairs. Upstairs has a large loft with 3 bedrooms and a bath. Low maintenance backyard w/pavers, artificial grass and an RV gate. Perfect home for entertaining!