How Technology Is Creating an Easier Mortgage Approval Process

From 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.

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1250 N Abbey Lane Chandler, AZ 85226

$500,000

3 Beds

2.5 Baths

2,150 SqFt

Status Active

MLS # 6636880

Property Type Townhouse

Price Type --

Absolutely gorgeous home located in a gated community. Great location near IKEA and the I10 freeway. Enjoy all the amenities of the community, which include a gym, pool, dog park and more! Lots of shopping nearby, you wont want to miss this one!

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11937 W Nadine Way Peoria, AZ 85383

$500,000

4 Beds

2.5 Baths

2,204 SqFt

Status Active

MLS # 6639099

Property Type Single Family Residence

Price Type --

This is a well maintained home with updates in all the right places. Enjoy the wonderful living spaces & beautiful surroundings. 4 bedrooms with 2.5 bathrooms. Freshly painted exterior, interior, cabinets. Fresh carpet in bedrooms, & an upgraded primary bathroom. Spacious corner lot, with a cul- de-sac at the end of the street. Bay window in primary bedroom & the dining room. Slide out kitchen shelfs. The exterior has a paver patio, gas stub at patio, sunscreens & gutters too! Be sure to check out all the amenities that Vistancia has to offer. From Pickleball & tennis to a community waterpark there's something for everyone! Minutes away from the grocery store & all of the new development coming nearby! Ask us how to buy down your rate or cover closing costs! Vistancia amenities include: 8,000-square-foot indoor basketball gymnasium featuring pickleball courts and an adjoining entertainment lounge and game room Three swimming pools, a resort-style pool with waterslides, and a heated lap pool Outdoor event lawn for small-concert venues, community events, outdoor exercise classes, and lawn games Four lighted tennis courts Multipurpose space for meetings, gatherings, and events Movement studio with Fitness On Demand classes Teen game room Card and Craft room Catering kitchen

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503 N 32nd Place Phoenix, AZ 85008

$500,000

3 Beds

2 Baths

1,392 SqFt

Status Active

MLS # 6643550

Property Type Single Family Residence

Price Type --

Newly remodeled home, fully furnished on HUGE LOT zoned R5 Multi-family. Fantastic development opportunity, GREAT Value Add Opportunity and EXTRA Land to build additional units. Minutes to downtown.. minutes to sky harbor airport. Recent improvements include newer flooring, paint, window and door package, vanity, tiled bath surrounds, plumbing and light fixtures, A/C unit, water heater, New brick fencing etc. Attached 288sf guest quarters with it's own separate entrance. Don't miss this Great Investment Opportunity...

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4608 E Desert Drive Phoenix, AZ 85044

Open House

$500,000

2 Beds

2 Baths

1,596 SqFt

Status Active

MLS # 6645498

Property Type Townhouse

Price Type --

Single level Garden Home in the Pointe South Mountain. Situtated in back of the community on a cul-de-sac. Home features 2 bedroom split for plan with a den/office. Both bedrooms have walk in closets. Both bathrooms updated. Flooring is 16x16 Travertine in all main living areas and carpet in bedrooms. Fireplace has been converted to gas. Relax in the spacious outdoor patio area with views of south mountain. Pointe community features 4 pools, 2 of them are heated. Walking path to South Mountain just steps away.

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13744 W Amaranth Street Peoria, AZ 85383

$500,000

2 Beds

2 Baths

1,800 SqFt

Status Active

MLS # 6645653

Property Type Single Family Residence

Price Type --

In the highly desirable Vistancia Village lies this beautifully presented residence. Along with access to wonderful community features including Swimming pool, clubhouse and sports courts it offers a peaceful corner location. The interiors begin with a long hallway passing the work from home office or sitting room into the open plan living space. This incorporates the family room, gourmet kitchen with modern appliances, dining room and large sliding doors to the patio. The spacious rear yard is the perfect blank canvas for desert landscaping or swimming pool. The primary bedroom suite delivers a large bedroom, a beautifully appointed bathroom and fitted closet. The bright secondary bedroom enjoys a private bathroom and closet. The bright secondary bedroom enjoys a private bathroom and closet. With a 3 car garage, water softener, reverse osmosis and security system it offers a move-in ready opportunity to enjoy this beautiful region.

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15830 N 5th Drive Phoenix, AZ 85023

Open House

$500,000

3 Beds

2.5 Baths

1,861 SqFt

Status Active

MLS # 6662959

Property Type Single Family Residence

Price Type --

Discover Tamarac at Moon Valley's allure! This well-maintained 3-bed, 2.5-bath gem effortlessly blends style and comfort. Vaulted ceilings create an airy ambiance, complemented by a full interior paint job. The main floor hosts a master bedroom with a soaking tub and a separate shower for ultimate relaxation. The versatile loft adds allure with 2 additional bedrooms and 1 bath upstairs. The kitchen boasts granite counters and a complete water filtration system. Outside, the corner lot charms with tranquil landscaping. The side yard features turf and a fenced area for pets to frolic. The HOA ensures front yard maintenance and exterior paint. Home is right around the corner from the community pool and mailbox! Easy access to freeways, shopping, dining, and parks!

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16254 W Tuscany Way Surprise, AZ 85374

Open House

$500,000

2 Beds

2 Baths

2,035 SqFt

Status Active

MLS # 6664856

Property Type Single Family Residence

Price Type --

Welcome to this beautifully updated single level golf course home in the highly desirable community of Sun City Grand. As you enter the home you are greeted with a wall of windows framing the beautiful golf course views, an open floor plan with fresh neutral colors and rich travertine style tile. The over sized master bedroom boasts bay windows, a huge walk in closet and recently remodeled bathroom with granite countertops and walk in shower. Venture down the hallway to the chef's kitchen with Island, granite countertops, stainless steel appliances that all look out to the warm and inviting family room with stacked stone gas fireplace. Whether you would like the privacy of your quaint front patio or the wide open views on your back patio of the 17th tee box of the Desert Springs Golf Course, this home provides you the canvas to enjoy the amazing outdoor living that Arizona has to offer! Welcome to your next Home Sweet Home!

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3444 E Lance Lane Phoenix, AZ 85018

$500,000

3 Beds

3 Baths

1,651 SqFt

Status Active

MLS # 6666041

Property Type Townhouse

Price Type --

Qualifies for LOW INTEREST RATE OPTION! Designer swaggy townhome has the feel of luxury and comfort w/ soaring 20-foot ceilings and impressive art walls. Highly profitable Airbnb for investors! 3 bedroom, 3 bathroom home features updated floors, light fixtures, and a modern kitchen and layout great for a first time buyer and family as well. The 2-car garage provides ample storage space, and the rooftop deck offers breathtaking 360-degree views of Camelback Mountain, Piestewa Peak, South Mountain, and downtown. Residents have access to the community pool and spa, and the low HOA fee includes internet. The property is close to shopping and entertainment, including Biltmore Fashion Park and just a short drive to Sky Harbor Airport, downtown Phoenix, and Old Town Scottsdale.

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4895 E Amarillo Drive San Tan Valley, AZ 85140

$500,000

5 Beds

3 Baths

2,621 SqFt

Status Active

MLS # 6666059

Property Type Single Family Residence

Price Type --

Welcome to this spacious and beautifully layout two history house with 5 bedroom 3 bathroom situated on an oversized corner lot. The main floor features 2 separate living and dining areas with a bedroom and full bathroom as well. The second story encompasses a large loft with 4 spacious bedrooms. The primary suite has a large walk-in wardrobe closet and primary bathroom with dual vanities, a soaking tub and a stand alone shower. The backyard features artificial turf and extended patio space for entertaining. Laredo Ranch counts with relaxing and peaceful parks and walking trails for your daily exercise. Located close to grocery stores, shopping centers, and restaurants.

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840 Alpha Lane Prescott, AZ 86303

$500,000

2 Beds

2 Baths

1,656 SqFt

Status Active

MLS # 6667210

Property Type Townhouse

Price Type --

RARE OPPORTUNITY TO OWN A SINGLE LEVEL TOWNHOUSE IN THE PINES. .9 MILE TO DOWNTOWN PRESCOTT AND ALL THE FUN ACTIVITIES WITHIN WALKING DISTANCE. LOW HOA, $30.00 A MONTH! THIS HOME WOULD MAKE A PERFECT SECOND HOME TO ESCAPE THE HEAT OR EASY FULL TIME LOW MAINTENANCE RESIDENCE. CENTRAL AIR CONDITIONING AND HEAT. NEW ROOF IN 2023. NEW PAVER DRIVEWAY IN 2023. NEW TREX DECK IN 2022. 2 SPACIOUS BEDROOMS. 2 BATHROOMS. 2 CAR GARAGE. LEVEL PAVER DRIVEWAY. OPEN CONCEPT LIVING, WITH A FLOORPLAN THAT JUST FLOWS. FOREST VIEWS OFF THE LIVING AND DINING AREA. ENJOY SITTING ON YOUR BACK DECK AND TAKE IN THE SIGHTS AND SOUNDS OF NATURE. YOU ARE SO CLOSE TO EVERTHING PRESCOTT BUT FEEL SO PRIVATE AND ONE WITH NATURE.

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12687 W Lowden Road Peoria, AZ 85383

$500,000

3 Beds

3 Baths

1,814 SqFt

Status Active

MLS # 6667534

Property Type Single Family Residence

Price Type --

Pride of ownership is shown in this beautiful residence nestled in Vistancia Village! Discover a perfectly flowing layout showcasing neutral tile floor, designer color palette, and a charming fireplace perfect for cozy nights at home. The fabulous kitchen boasts cherry wood cabinets adorned with crown moulding, built-in appliances, recessed lighting, granite counters, a see-through pantry, and a peninsula complete with a breakfast bar. The main bedroom offers soft carpet in all the right places, a generously sized sitting area, a walk-in closet, and a private bathroom with dual sinks. Spend relaxing afternoons in the wonderful backyard featuring a covered patio and a refreshing swimming pool great for the summer! Don't miss out on this one! ALL furnishings to convey.

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18192 E Via Jardin -- Gold Canyon, AZ 85118

$500,000

4 Beds

2 Baths

2,167 SqFt

Status Active

MLS # 6667927

Property Type Single Family Residence

Price Type --

Come and see this beautiful 4-bedroom, 2-bathroom home with split floor plan located on a large corner lot! This fully landscaped yard comes complete with a spacious covered patio, large side yard with 6 raised garden beds and automatic irrigation system throughout! There is ample space for relaxation and entertaining. Inside the home you will find an open floor plan with updated appliances and flooring, hard-wired ethernet throughout the house, and breathtaking mountain views from your family room and primary bedroom. Nestled in the serene surroundings of Gold Canyon, this home offers easy access to hiking trails, golf courses, a community playground and all of the amenities this charming town has to offer! Don't miss your chance to call this peaceful retreat your own!

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