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.

3267 E Milky Way Gilbert, AZ 85295

$504,800
3 Beds
2.5 Baths
1,781 SqFt
Status Active
MLS # 6658855
Property Type Single Family Residence
Price Type --
Beautiful 3 bedroom 2 1/2 bath home coming to the market located in Lyons Gate, Gilbert! Be prepared to fall in love! This former model home offers an outstanding floor plan with lots of upgrades and is tastefully appointed in an eye pleasing color palette. The kitchen features white cabinets with crown molding, granite counter-tops, spacious island with bar seating and pantry. Off the kitchen awaits the cozy great room with custom built in cabinet and the surround sound system that carries throughout the home. Upstairs to the spacious master that offers a private bath and walk in closet, 2 secondary bedrooms and laundry room. The professionally designed backyard is perfect for entertaining, featuring a covered patio, large seating area, pavered BBQ area, turf and mature landscaping. This home is move in ready, just waiting for you to make it YOUR new home. Call today to arrange your own private tour!

4641 N 178th Lane Goodyear, AZ 85395

$504,490
4 Beds
3 Baths
2,384 SqFt
Status Active
MLS # 6695634
Property Type Single Family Residence
Price Type --
Brand new, energy-efficient home available by Jun 2024! A unique single-story home featuring a social living area. Umber cabinets with white granite countertops and backsplash. Grey tile flooring in our Cool package. Abel Ranch is now open in Goodyear. Visit this gated community featuring a park, fitness stations, and more. We're proud to introduce new, professionally curated design packages and luxurious primary suites. We also build each home with innovative, energy-efficient features that cut down on utility bills so you can afford to do more living.* Each of our homes is built with innovative, energy-efficient features designed to help you enjoy more savings, better health, real comfort and peace of mind.

25220 N 131st Drive Peoria, AZ 85383

$504,000
3 Beds
2 Baths
1,910 SqFt
Status Active
MLS # 6624740
Property Type Single Family Residence
Price Type --
Welcome to The Views at Rancho Cabrillo! A new north Peoria Community! This is the 4411 plan from Scott Communities. This one is done as a 3 bedroom 2 bathroom with a den, and a 3 car garage. The split great room plan is amazing on this house! This one is upgraded with a premium kitchen that has quartz counter tops and Benton Birch staggered cabinets. GE stainless steel appliances. This plan also has a large master suite! The master bath has an executive height vanity and a walk-in shower. A big multi slide door opens to the extended patio. The patio looks out to nice size backyard!

4566 N 178th Lane Goodyear, AZ 85395

$503,990
4 Beds
3 Baths
2,384 SqFt
Status Active
MLS # 6694799
Property Type Single Family Residence
Price Type --
EXCLUSIVE opportunity to be one of the first to move in to Abel Ranch. This premium gated community at Camelback and the 303 is in the perfect location to enjoy peaceful living while being close to amenities. Plus, price increases with every phase ensure you walk into equity opportunity with this lovely home. Lot is tucked in the side of the community with no neighbors behind and mountain views from your backyard. You want this lot! It's adjacent to a wash and will have access to community walking trails and be within view of the large park. Lark Plan features generously sized flex space. Package for Lot 1 includes 42'' White Cabinets, Sparkling Quartz Countertops, English Grey tile everywhere you want it with plush carpet where you need in. Contact listing agent to learn about incentives

15936 W Kino Drive Surprise, AZ 85374

$503,900
2 Beds
2 Baths
2,403 SqFt
Status Active
MLS # 6626604
Property Type Single Family Residence
Price Type --
HUGE PRICE REDUCTION!!!! Beautiful expanded Verbena model in the resort style living of The Grand. This beautiful home has been remodeled and is very inviting with its fully remodeled kitchen, bathrooms and other living areas. This home also has fresh exterior paint that was completed in 2022. In the kitchen there is all new cabinets, appliances, granite countertops and tile backsplash. The gourmet kitchen in this home is stunning! The expansive master bath has been completely remodeled as well with new cabinetry, walk in tiled shower, granite countertops and mirrors. The guest bathroom has been remodeled as well! New flooring throughout the home with a combination of gorgeous tile and premium carpet and padding! There is a bonus room on the rear of the house that is climate controlled. Beautiful expanded Verbena model in the resort style living of The Grand. This beautiful home has been remodeled and is very inviting with its fully remodeled kitchen, bathrooms and other living areas. This home also has fresh exterior paint that was completed in 2022. In the kitchen there is all new cabinets, appliances, granite countertops and tile backsplash. The gourmet kitchen in this home is stunning! The expansive master bath has been completely remodeled as well with new cabinetry, walk in tiled shower, granite countertops and mirrors. The guest bathroom has been remodeled as well! New flooring throughout the home with a combination of gorgeous tile and premium carpet and padding! There is a bonus room on the rear of the house that is climate controlled and finished to interior standards. The extended garage leaves ample space for larger vehicles and a golf cart. Put this home on your must-see list! Current owner would consider a 3-6-month lease back.

5025 W Desert Cove Avenue Glendale, AZ 85304

$503,900 - 3Br/2Ba -  for Sale in Greenbrier Unit 3, Glendale
Open House
$503,900
3 Beds
2 Baths
1,772 SqFt
Status Active
MLS # 6668886
Property Type Single Family Residence
Price Type --
''Welcome to Your Spacious Oasis in Established Glendale Neighborhood!'' Discover the allure of this spacious and beautiful home nestled in a well-established Glendale neighborhood. Boasting 3 bedrooms and 2 bathrooms, this residence offers ample living space with large living, dining, and family rooms. Step inside to find a home adorned with all-tile flooring throughout the main living areas, creating a seamless flow and easy maintenance. The heart of the home is the great kitchen, featuring an island, granite countertops, and stainless steel appliances - perfect for culinary adventures and entertaining guests. Outside, the backyard beckons with a covered patio and a sparkling pool, offering a private retreat for relaxation and enjoyment. This home is conveniently located within close proximity to schools, dining, shopping, entertainment, and major highways, providing easy access to all the amenities the area has to offer. Don't miss the opportunity to make this your new home sweet home! Embark on the next chapter of your life in this inviting oasis.

7413 W Gardenia Avenue Glendale, AZ 85303

$503,652
5 Beds
3 Baths
2,465 SqFt
Status Active
MLS # 6696005
Property Type Single Family Residence
Price Type --
Welcome to Alto by K. Hovnanian Homes, this popular Tenor floorplan includes an upgraded 5 bedroom and full bath on the first floor. The kitchen is beautifully appointed with Meridian Grey Quartz counters, White recessed panel Cabinets and GE Stainless-steel appliances. The great room is ideal for relaxing and entertaining. Upstairs includes a large loft with 2 additional bedroom and the Primary Suite. This amazing home will be ready for an August 2024 Move-in! ^^^Up to 4% of Base Price can be applied towards closing cost and/or short-long term interest rate buydowns when choosing our preferred Lender. Additional eligibility and limited time restrictions apply. ***Prices subject to change, photos may be of a model home or virtually staged, actual home will vary.

4164 W Nora Drive San Tan Valley, AZ 85144

$503,135
3 Beds
2 Baths
2,232 SqFt
Status Active
MLS # 6688576
Property Type Single Family Residence
Price Type --
Beautiful 3 bedroom plus flex room with European kitchen layout, stainless steel appliances. Tile throughout except bedrooms, white cabinets granite counter tops.

25635 N 185th Drive Surprise, AZ 85387

$502,995
3 Beds
2 Baths
1,690 SqFt
Status Active
MLS # 6672296
Property Type Single Family Residence
Price Type --
Explore this elegant Bronze home, ready for Summer move-in! Included features: a generous great room with center-meet doors leading onto an inviting covered patio; a dining area; an impressive kitchen showcasing 42'' cabinets, quartz countertops, a center island, a walk-in pantry and stainless-steel appliances, including a gas range; two secondary bedrooms with a shared bath; and a lavish primary suite boasting an oversized walk-in closet and a private bath with double sinks. This home also offers 6'' x 35'' stone tile flooring, cultured marble bathroom countertops, ceiling fan prewiring, front yard landscaping and a concrete-paver driveway and walkway

16802 W Desert Mirage Drive Surprise, AZ 85388

$502,935 - 4Br/3Ba -  for Sale in Sycamore Farms Paradisi Parcel D, Surprise
New
$502,935
4 Beds
3 Baths
2,358 SqFt
Status Active
MLS # 6702505
Property Type Single Family Residence
Price Type --
Up to 2% of total purchase price towards closing costs incentive offer. Additional eligibility and limited time restrictions apply. MLS#6702505 September Completion! The Paisley at Paradisi Discovery offers a two-story layout spanning 2,358 square feet, complete with 4 beds, 3 baths, a 2-car garage, and a loft. This stunning home features a first-floor bedroom, ensuring privacy and convenience for guests. The expansive open gathering room, casual dining, and kitchen area with quartz countertops create a spacious environment, complemented by an adjacent outdoor living area for seamless indoor/outdoor living. Upstairs, the loft provides versatility as a play area, study, or secondary living space. The owner's suite boasts a walk-in closet and double sinks, adding a touch of luxury.

27079 N 167th Drive Surprise, AZ 85387

$502,801
5 Beds
4 Baths
2,531 SqFt
Status Active
MLS # 6699666
Property Type Single Family Residence
Price Type --
Can't find what you want on the resale market, look no further. This spacious 5 bedroom, 4 bathroom home, featuring an office space, open concept living and dinning room area with beautiful site line views backing the Sonora desert !! If your looking for a tech equipped, spacious, beautifully finished single story home offering 2 non primary rooms that have en suites and a work space this is the home for you !!

647 S Del Rancho Circle Mesa, AZ 85208

$502,797
4 Beds
2.5 Baths
2,012 SqFt
Status Active
MLS # 6603339
Property Type Single Family Residence
Price Type --
$17,000 in Builder Incentives (must use Preferred Lender) for a buyer to use on this NOW COMPLETED inventory home!! This 4 bedroom, 2.5 bath with a LOFT home is almost done! White Shaker Cabinets, Beautiful 12X24 Tile Floor on entire first floor, Granite Counters and a 2 car garage. One of the larger lots in the 18 home community AND it has the double extended covered patio! Diamond Court, built by Newmark Homes, is an 18 home community nestled in a prime location in Mesa with lots of new retail/restaurants close by!