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.

2101 E Oak Street Phoenix, AZ 85006

$480,000
3 Beds
2 Baths
1,188 SqFt
Status Active
MLS # 6679967
Property Type Single Family Residence
Price Type --
Exquisitely remodeled from top to bottom. This modern home boasts 3BR, 2BA, and an array of upgrades. This home features a new kitchen with plenty of cabinet space, Quartz Countertops. Nicely done Bathrooms, some new plumbing and electrical, New Roof, New Windows, New AC, Fresh Paint inside and out, and more. Entertain effortlessly in the backyard oasis featuring a sparkling pool and RV gate for added convenience. Desirable location, close to everything. Immediate access to freeways, minutes from Sky Harbor Airport and Downtown Phoenix. No HOA. Don't miss this opportunity!

11011 N Zephyr Drive Fountain Hills, AZ 85268

$480,000
2 Beds
2 Baths
1,460 SqFt
Status Active
MLS # 6677005
Property Type Apartment
Price Type --
Expansive Mountain Views! Adorable & perfectly situated condo near Fountain Park with all the right touches! Don't miss this opportunity in a quiet community with many upgrades including appliances, electric shades, custom paint & more! The smart split floor plan & open kitchen allows for large living areas and the views! Large Patio area has a fireplace and grill that will be your happy place. Community pool currently being re-modeled and building is well maintained. Please allow 1 hr notice for tour.

630 N Ironwood Way Gilbert, AZ 85234

$480,000
2 Beds
2 Baths
1,587 SqFt
Status Active
MLS # 6676261
Property Type Single Family Residence
Price Type --
Located in the quiet community of Breckenridge Manor is a lovely 2 bedroom, 2 bath, home w/den/office. Floorplan has a wonderful flow & a highly desirable split floorplan. Kitchen is bright w/tile backsplash, coffered ceiling, large pantry, & large pass-through to living room, perfect for entertaining. There's also a breakfast/dining room flooded w/light from beautiful glass blocks & coffered ceiling looking out to backyard. The cozy living room has a wood burning fireplace & there is a den/office is perfect for working from home/studying. Spacious master bdrm w/ensuite bath/shower has lovely updated tile & glass block, & separate exit to backyard. Guest bedroom has custom wood closet doors. Graceful archways and Saltillo tile flooring gives this home that Southwest feel. Ceiling fans T/O. Large covered patio, low maintenance pool sized backyard. New Trane A/C unit, foam & tile roof, fresh paint & front yard is maintained by HOA. Located near vibrant downtown Gilbert w/its excellent restaurants, shops & entertainment, this is a MUST SEE at this price point.

17213 W Lundberg Street Surprise, AZ 85388

$480,000
3 Beds
2.5 Baths
2,190 SqFt
Status Active
MLS # 6678342
Property Type Single Family Residence
Price Type --
Private pool with no neighbors behind on a quiet street. This 3 bed 2.5 bath home with a loft has vaulted ceilings and an open concept. Large entry area with formal living and dining area. Kitchen features farmhouse apron sink, granite counters and large pantry. Tile downstairs and upgraded carpet upstairs. Backyard is perfect for outdoor entertaining. Upgraded lot with no neighbors behind and large pool with a waterfall.

11767 W Flanagan Street Avondale, AZ 85323

$480,000
4 Beds
2.5 Baths
2,379 SqFt
Status Active
MLS # 6680806
Property Type Single Family Residence
Price Type --
Discover an enchanting two-story home nestled on a tranquil cul-de-sac! The interior exudes charm with its tall ceilings, two-tone paint, sleek wood-look tile flooring, a wooden panel wall, & bountiful natural light. The spacious living areas are excellent for entertaining guests! Immaculate kitchen includes SS appliances, white shaker cabinetry, recessed & chic light fixtures, Quartz counters, a subway tile backsplash, an island, a pantry, & a breakfast nook for casual dining. A flexible den is ideal for a hobby space. Upstairs, the cozy loft is perfect for a reading nook. Double doors reveal a carpeted main suite, highlighting a full bathroom with dual sinks and a walk-in closet. The backyard invites you to relax & have fun with a covered patio & a refreshing pool! Don't miss out!

44265 W Canyon Creek Drive Maricopa, AZ 85139

$480,000
4 Beds
3 Baths
3,209 SqFt
Status Active
MLS # 6679079
Property Type Single Family Residence
Price Type --
Incredible home in Cobblestone Farms that is priced to sell! This home boasts a 4 bedroom floorplan with a plus 1 room, 3 bathrooms and a loft on a large 7500 sqft lot! Imagine yourself cooking in the spacious kitchen with one of the largest kitchen islands around for plenty of countertop space. Enjoy an enormous backyard from atop the only walk out balcony around that has just been completely renovated and made brand new! With tile and hardwood floors throughout, this is the perfect home for a pet friendly family looking to settle down in one of the nicest neighborhoods that Maricopa has to offer. You won't want to miss out on this gem of a future home!

18475 W Sunrise Drive Goodyear, AZ 85338

$480,000
4 Beds
2 Baths
2,563 SqFt
Status Active
MLS # 6550951
Property Type Single Family Residence
Price Type --
BEAUTIFUL!!!!!! DONT MISS IT!!!!!!!!!!4 Bedrooms + Bonus Room, Kitchen has Granite Counter Tops, Built Microwave ,Dishwasher, Pantry, Fireplace for those cold winters , Dining in Kitchen , Formal Dining Room ,Living Room with Laminated Floor, 3 Bedrooms, Master Bedroom , has separated exit ,Full Bathroom, Double sink, Private Toilet Room , Spacious Wak-in Closet, Shower and Tub , includes additional space that can be used as a nursery room or as an Office, Laundry Room, Double Sink on 2nd Bathroom, Garage with a lot of Cabinets for storage, Back yard ready for your unique and beautiful ideas.

9038 E Stoney Vista Drive Sun Lakes, AZ 85248

$480,000
2 Beds
2 Baths
1,756 SqFt
Status Active
MLS # 6600884
Property Type Single Family Residence
Price Type --
Great split floor plan, Vaulted ceilings, 2 bedrooms plus family room. Light and Bright floor plan with bay windows, Range is plumbed for gas. Backyard is an entertainer's paradise with sparkling pool with gas heater, Natural Gas fire pit and built in bar. Cool decking and even delicious grapefruit and orange trees. This great lot is oversized and backs to walking path. Extended 2-car garage with room for golf cart and also has built in cabinets. Community offers amazing amenities including Tennis, Pickleball, Golf and over 100 clubs. Come live your best life!

16182 W Winchcomb Drive Surprise, AZ 85379

$480,000
3 Beds
2.5 Baths
2,465 SqFt
Status Active
MLS # 6626889
Property Type Single Family Residence
Price Type --
Less than a half mile away from Costco, and the Prasada shopping center. This Gorgeous model home has extensive upgrades that include wood floors as you enter the home. Office/den with french doors located on the first floor. Large kitchen with pantry. Upgraded counters, and tile floors that opens to a large family room. The home also features a formal living and dinning room. Second floor has a loft area with bedrooms. Master is large with generous master bath with separate shower and bath, large walk in closet. Backyard features a refreshing pool with water fall and covered patio.

821 W Saguaro Lane San Tan Valley, AZ 85143

$480,000
4 Beds
3 Baths
3,082 SqFt
Status Active
MLS # 6635619
Property Type Single Family Residence
Price Type --
SELLER IS OFFERING *UP TO $2,000 IN CONCESSIONS. SEE BELOW FOR DETAILS. This two-level home in Skyline Ranch is everything you can ask for! 22 Seller Owned Solar Panels included, to save hundreds of dollars on your annual electric bill! New exterior paint with faux stone and decorative wrought iron window finishings. Explore inside to discover a warm, inviting atmosphere created with wood-look flooring that stretches throughout the home. Designer palette & arched doorways are some features you will love! The fabulous kitchen is complete with granite counters, maple wood cabinetry, two pantries, recessed lighting, a center island with a breakfast bar, and built-in appliances, including a refrigerator. On the first floor, you will find a large bedroom & full bathroom, along with great storage space under the stairs, that will make this perfect for multi-living opportunities. Primary bedroom showcases double, french doors, a sitting room, private bathroom with dual sinks, an enormous garden tub, separate shower and a MASSIVE walk-in closet! With two additional bedrooms and bathroom on the second floor, you will also find a versatile loft area with built-in surround sound that can be utilized as a home office, playroom or movie room. The home also has a large family room/dining room, separate living room and dining nook. The large backyard, with a great covered patio, provides excellent space. Walking distance from the community playground and park. Seller will offer *up to $2,000 in Concessions to Buyer with the right offer and accepted terms through January 13, 2024, or *up to $1,000 in Concessions to Buyer with the right offer and accepted terms through January 20, 2024.

642 W Shannon Street Chandler, AZ 85225

$480,000
3 Beds
2 Baths
1,436 SqFt
Status Active
MLS # 6656701
Property Type Single Family Residence
Price Type --
Immerse yourself in the epitome of modern living with this 2022 renovated single-story gem in the Thunderbird Park subdivision of Chandler, AZ! Revel in the luxury of a 3-bed, 2-bath haven boasting a New AC unit, fresh two-tone interior paint, exquisite wood-like floors, mosaic tile accents, and a wealth of other upgrades- doors, door hardware, trim, nest thermostats, soft-closing kitchen cabinets, recessed lighting, matching stainless steel appliances, premium quartz countertops, and revitalized bathrooms with top-notch fixtures, washer and dryer included. Roof less than 5 yrs old, Enjoy the convenience of a 1-car garage, RV gate, and exterior LED light fixtures. Nestled minutes away from Downtown Chandler, Downtown Gilbert, Chandler and San Tan Malls, plus easy access to 202/101 and US 60 freeways, this home invites you to experience unparalleled comfort and style. Don't miss the chance to call this pristine abode your own!

25401 S Truro Drive Sun Lakes, AZ 85248

$480,000
3 Beds
2 Baths
1,845 SqFt
Status Active
MLS # 6648001
Property Type Single Family Residence
Price Type --
Welcome to your new home in the age restricted beautiful community of Sun Lakes. Features include 3 bedrooms, 2 baths, Spacious screened in Arizona room. Enjoy being a home chef and entertaining in your new kitchen. Beautiful new cabinets, granite countertops, stainless steel appliances including built in wine fridge, recessed lighting & pendant lights above kitchen island. New tile plank flooring, carpet in the bedrooms. Bathrooms have been updated including new Bidet sprays, vanities, fixtures and new tile flooring. New additions in 2022 dual pane windows, AC, doors & baseboard throughout. Oversized laundry room. 2 car garage. Relax in your backyard and try out your putting skills on the newly designed green. Connect with me today for more details.