3 Different Types of Loan That Will Negatively Impact Your Ability to Get a Mortgage

A good credit rating is built on a number of financial factors including paying your bills on time and the length of your credit history, but loans can also be a source of bolstering your credit score in a positive way. While this means that loans can actually be a good thing, there are also the kinds of loans that can have a damaging impact on acquiring a mortgage. If you’ll soon be pursuing your own home purchase, here are some loans that may have a negative impact.

Borrowing For Education

When you are young, student loans are an ideal means of paying down your debt and developing a positive credit history. However, if these loans are left to linger they can have a marked effect on your chances of a mortgage approval. Since paying back your student loans will be one of the first times in your financial life that you’ll be able to prove your reliability, you should ensure you pay them on a consistent basis in order to lower your overall debt-to-income ratio.

Credit Card Debt

Many people don’t think of the purchases that go on their credit card as loans, but the money on your credit card does not really belong to you until it’s paid off. While credit cards can be a great boon for establishing your credit in the early days, if you rack up a lot of credit card debt and do not pay your minimum payments by the due date, it will cause a considerable dip in your credit score. In addition, taking on too many cards can be a negative signal to lenders.

Payday Loans

In recent years, payday loans have sometimes been broken out separately from other loans on a person’s credit report. However, unlike many other types of loans, payday loans can be seen in a bad light by lenders because they can be indicative of someone who’s experienced significant financial setbacks, which would negatively impact their ability to pay a mortgage. While some mortgage lenders will not decline an application due to payday loans, some have already started to take this step.

Acquiring loans can be a good means of developing a credit history, but there are types of loans that may look bad on your mortgage application and won’t be of service if you can’t pay them off consistently. If you’re considering submitting a mortgage application, give me a call for more information – J.P. Cook – 602-320-4253.

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Sort by: Select Price, Low to High Price, High to Low Newer Listings First Older Listings First Open House Date

7360 E Sweetwater Avenue Scottsdale, AZ 85260

$3,999,999

6 Beds

4.5 Baths

5,454 SqFt

Status Active

MLS # 6754191

Property Type Single Family Residence

Price Type --

Experience the epitome of luxury in this brand-new construction located in gorgeous Scottsdale Arizona, with the added benefit of NO HOA. This exceptional property boasts an array of unique features, including two kitchens, two mudrooms, two laundry rooms (one with a pet shower), and a 6th bedroom with a private entrance. The thoughtfully designed split floor plan places the primary suite in the west wing, offering a spacious walk-in closet, an oversized shower, and a private patio. The east wing houses the second kitchen and an additional family room, perfect for extended family or guests. The custom kitchen is a chef's dream, featuring quartzite countertops, birch cabinets, top-of-the-line Wolf and Sub-Zero appliances, and a walk-in pantry with a separate sink and dishwasher. The home is adorned with European oak hardwood plank flooring throughout, providing warmth and elegance. Beautifully designed by Kevin Robert Interiors, the home is architecturally stunning with a glass-encased wine rack, multiple ensuite bathrooms, and several covered outdoor spaces. The new outdoor kitchen is perfect for entertaining, and the oversized north-facing backyard includes a brand-new pebble-tec pool and a Pickleball/Basketball court for recreation. This property is a rare find, combining luxury, functionality, and style in one of Scottsdale's most desirable locations.

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8436 E Sahuaro Drive Scottsdale, AZ 85260

Open House

New

$3,999,999

4 Beds

3.5 Baths

4,721 SqFt

Status Active

MLS # 6778929

Property Type Single Family Residence

Price Type --

Discover ultimate luxury in this fully rebuilt 4,721 sq ft home in Scottsdale's Cactus Corridor. Reimagined under the architectural expertise of NewWest Design Studio, with interior design by Weaver Interiors, every inch of this property has been transformed with sophistication and style. Featuring 4 bedrooms, 3.5 baths, and high-end designer finishes throughout, this home exudes elegance. The gourmet kitchen includes a full suite of Thermador appliances, including a 36-inch fridge and freezer. Massive Western sliding glass doors open to a new pool and expansive backyard on nearly an acre, with room to build an oversized garage and a 2-bedroom casita. Architectural drawings for the garage and casita are complete, and the builder is ready to start construction immediately.

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11108 E Mariola Way Scottsdale, AZ 85262

$3,999,977

4 Beds

4.5 Baths

7,277 SqFt

Status Active

MLS # 6662532

Property Type Single Family Residence

Price Type --

A rare, immediate golf membership is available with purchase. Ask for details! This is a hillside gem capturing awe-inspiring panoramic mountain views from every corner! This home was made to entertain the largest of gatherings, yet cozy enough for the smallest. Top of the line when built in 2004. Built into the mountain. Hardly lived in. CMU build. Great bones. Needs some updating and you've just added to the equity. Multi generational for those who don't mind the shallow steps. 4 separate guest suites, including the 950 sf upper deck casita. 3 car garage, 7+ additional parking spots. Well designed motor court. Purchase the lot in front and build another home or tie it to this lot for an acre of expanded yard. For undisturbed views, pets, kids, parties or whatever your heart desires.

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10728 E Cottontail Lane Scottsdale, AZ 85255

Open House

$3,999,800

4 Beds

4.5 Baths

5,511 SqFt

Status Active

MLS # 6704872

Property Type Single Family Residence

Price Type --

This timeless styled Spanish Colonial home rests in guard gated Windy Walk Estates of Troon. It's North - South exposure captures views of Pinnacle Peak, Troon Mountain and city lights. The luxurious home is all on one level except for a large 875/sf 2nd level game/office/bedroom with its own fireplace, full bath and balcony overlooking city light views. You enter the main home through a hand forged iron gate into a charming front courtyard with bubbly fountain. The iron front door opens to the formal living and dining areas with rough sawn beams, stone floors, Venetian plastered walls and a cantera stone fireplace. Just down the hall is an intimate home theater. The large family room includes a corner fireplace, walk-up wet bar with ice maker, dishwasher, Sub-Zero wine and beverage ..... cooler plus room for a pool table. It opens to a center island kitchen with Wolf and Sub-Zero appliances and breakfast room. The Arcadia doors from the breakfast room lead to an outdoor patio with fireplace, BBQ and pizza oven all overlooking views of the boulder filled Troon Mountain. The kitchen conveniently opens to the 4 car garage and includes a key drop and very large walk-in pantry. The charming Primary suite includes a fireplace and a marble floored bath and a large closet that opens to the laundry room. The living room, family room and Primary suite are lined with Arcadia doors opening to arched covered patio that overlook the sparkling pool, paver hardscape, lush landscaping and views of Pinnacle Peak. The home has been updated with Venetian plastered walls, white oak flooring, new garage doors and a Bull Frog spa. Two of the three HVAC systems have been replaced and the exterior has been newly painted. The home includes 4 interior and 1 exterior fireplaces.

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W Kayenta Trail Laveen, AZ 85339

$3,999,000

5 Beds

7 Baths

5,486 SqFt

Status Active

MLS # 6779097

Property Type Single Family Residence

Price Type --

Sunset Coves Estates Luxury Living! Your opportunity to own a piece of Paradise in one of the most luxurious, private, soon-to-be-gated neighborhoods in the west valley. The property has incredible views of South Mountain and Carver Mountain. Quick I10/202 freeway access. Sunset Cove Estates lives up to its name by providing the Phoenix Valley's most stunning sunrises as well as sunsets. Homes in this Luxury Community have at least 1 acre. South Mountain Park hiking/biking trails are a two-minute walk from your front door. The main house consists of approximately 4,814 sqft with 4 car garage. 672 sqft Casita with its own garage. Main house has 4 bedrooms, each with their own bathroom. Outdoor patio will consist of over 1,300 sqft. This custom home will be complete in 2025

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3800 S Clubhouse Drive Unit 5 Chandler, AZ 85248

$3,999,000

5 Beds

6.5 Baths

9,668 SqFt

Status Active

MLS # 6711422

Property Type Single Family Residence

Price Type --

This exquisite lake front custom home resides in the exclusive gated subdivision of Crown Point, a private community with only 11 lots. It provides easy access to the Ocotillo Golf Club, a premiere golf destination in Chandler, Arizona. This Spanish/Mediterranean home has 5 bedrooms and 6 1/2 bathrooms. There are 3 bedrooms on the main floor, 2 being ENORMOUS full master suites, each on opposite ends of the home. There are 8760 sq ft of living space, plus 1156 sq ft in attached casita. The casita has a separate entrance, with bar and bathroom with easy access from the pool and patio. The kitchen has new appliances. 4 Viking convection ovens, 8 burner Viking stove, 36 inch Viking refrigerator, 36 inch Viking freezer, and 2 dishwashers and ice maker. Two islands in the kitchen make entertaining effortless. The under the staircase wine cellar is amazing, with stone clad walls and clay slots.Upper level includes 2 bedrooms, 2 bathrooms, game room/lounging area, bar with mini kitchen and fireplace. You can view the gorgeous Arizona sunsets from a private patio just outside.The negative edge pool was resurfaced and equipment replaced. There is also a spa and fire pit for your enjoyment. All the bathrooms were remodeled. The roof was just replaced at a cost or $300, 000.00, and four of the five AC units were recently replaced. All of this and more in this Magnificent Move In Ready Home!!

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10071 E Aniko Drive Scottsdale, AZ 85262

$3,997,000

3 Beds

3.5 Baths

4,475 SqFt

Status Active

MLS # 6765790

Property Type Single Family Residence

Price Type --

Introducing a stunning new build set to complete in 2025, this desert modern home seamlessly blends contemporary design with the breathtaking natural landscape of Mirabel, Arizona. With a thoughtfully designed layout, the home features three spacious bedrooms, an inspiring office, and a dedicated game room, making it perfect for both relaxation and entertainment. Exterior: The striking facade showcases clean lines and a combination of natural stone, stucco, and expansive glass elements that invite the desert landscape indoors. The property is surrounded by low-maintenance native landscaping, enhancing its eco-friendly appeal while ensuring a harmonious connection with the environment. A spacious covered patio extends the living area outdoors, perfect for enjoying Arizona's stunning sunsets. Interior: As you step inside, you'll be greeted by an open-concept floor plan bathed in natural light. High ceilings and large windows create an airy atmosphere, while polished concrete floors and warm wooden accents add a touch of warmth. The gourmet kitchen features state-of-the-art appliances, sleek cabinetry, and a spacious island that flows into the dining and living areasideal for hosting gatherings. The master suite serves as a serene retreat, complete with a spa-like ensuite bathroom featuring dual vanities, a soaking tub, and a walk-in shower. Two additional bedrooms provide ample space for family or guests, each designed with comfort and style in mind. The versatile office space offers a quiet haven for productivity, while the game room is designed for fun and relaxation, complete with space for a pool table, gaming consoles, and lounge seating. Sustainability: This home is equipped with energy-efficient systems and smart home technology, ensuring a sustainable lifestyle without compromising on luxury. Whether you're seeking a year-round residence or a seasonal getaway, this desert modern home in Mirabel, Arizona, promises to be an exceptional living experience that celebrates the beauty of desert living. Don't miss your chance to own this exquisite piece of architecture!

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7007 N 59th Place Paradise Valley, AZ 85253

$3,997,000

4 Beds

4 Baths

4,327 SqFt

Status Active Under Contract

MLS # 6752372

Property Type Single Family Residence

Price Type --

Few homes with this intimate head-to-tail view of Camelback Mountain become available for purchase in this highly desirable Paradise Valley neighborhood at the base of Mummy Mountain. 22' floor to ceiling windows fill the expansive Grande living room with natural light and offer mountain and downtown light views. Soaring tongue and groove ceiling and hardwood floors warm the space. Remodeled kitchen features Wolf and Subzero, European cabinetry, center island and custom lighting. The primary suite is a tranquil retreat -featuring a large stone fireplace which separates the bedroom from the spa master bath with a large vanity, soaking tub, and separate shower all surrounded by luxurious marble. This distinctive home offers privacy, tranquility in a premium location and setting. Home features the spa like primary suite, den or 4th bedroom, and a guest wing with 2 ensuite guest rooms both with direct access to patios. Entertain around the saltwater pool and spa, dine on the covered view deck while enjoying tranquil, balanced city light and mountain views. Three outdoor fireplaces, custom landscape, and lighting complete the perfect evening. Private, serene setting in one of PV's best locations featuring distinctive architectural detail and is move in ready! You will truly feel you have entered a wellness spa, this home calms and invites you to stay! Partial list of improvemnts. Roof 4 years ago 2 Tankless water heaters. Whole house water purification. All Landscape irrigation / lighting. Roof insulation Various plumbing improvements. Hvac - 3 units replaced in 2018. Backyard hardsape replaced after owner's purchase.

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42010 N 111th Place Scottsdale, AZ 85262

$3,995,000

5 Beds

5.5 Baths

6,147 SqFt

Status Active Under Contract

MLS # 6763738

Property Type Single Family Residence

Price Type --

Golf membership available. Nestled on a premier view lot, this exquisite home offers expansive mountain views, valley lights and breathtaking year-round sunsets. The heart of the home is designed for both elegance and comfort, with a great room anchored by a Cantera stone fireplace, an inviting dining room, and a wet bar for entertaining. The gourmet kitchen has been recently remodeled with Wolf and Sub-Zero appliances, beautiful stone work, and a cozy breakfast nook that opens to the family room—complete with another fireplace for those cool desert evenings. The spacious master suite offers ultimate privacy, featuring a fireplace, an expansive walk-out balcony leading to the backyard, and a luxurious en-suite bathroom with a massive walk-in closet. A private elevator adds convenience and sophistication. Complementing the main home is a separate pool/spa room, which can double as a guest suite, workout room, or office, complete with a full bath and sauna. Outside, the backyard offers a true oasis with over 1,000 sq. ft. of covered patio space, a pool & spa, fireplace, BBQ area, and wet bar perfect for both relaxation and entertaining. The stunning panoramic views stretch from east to west, offering sparkling city lights at night and picturesque sunrises and sunsets each day. Elegant French oak and Italian limestone floors throughout the home elevate the luxury, making this a one-of-a-kind estate ideal for enjoying the best of Sonoran desert living.

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9775 E Hidden Valley Road Scottsdale, AZ 85262

$3,995,000

5 Beds

5.5 Baths

4,600 SqFt

Status Active

MLS # 6347935

Property Type Single Family Residence

Price Type --

Welcome to the epitome of modern luxury living in the heart of our exclusive lifestyle community, Desert Mountain. This brand-new custom home that has broken ground defines elegance and sophistication, offering a harmonious blend of contemporary design, opulent features, and an unparalleled level of craftsmanship. Spanning an expansive 4600 square feet, this residence boasts 5 bedrooms, 5.5 baths, and a host of amenities that cater to every facet of refined living. Step inside and be captivated by the seamless integration of indoor and outdoor spaces. The open-concept layout flawlessly transitions from the interior's sleek lines and top-tier finishes to the captivating outdoor oasis. Completion spring 2025. Entertain in style as you host gatherings in the sun-soaked courtyards and indulge in poolside relaxation creating memories that will last a lifetime. The heart of this home lies in its gourmet kitchen, complete with state-of-the-art appliances and an exquisite butler's pantry, perfect for culinary enthusiasts and gracious hosts alike. Abundant natural light illuminates the interior through large windows that showcase the breathtaking surroundings. Unwind in the luxurious primary suite, a serene retreat featuring a spa-like en-suite bath and a walk-in closet. Four additional well-appointed bedrooms each with their own en-suite baths provide comfort and privacy for family members and guests. Completing this exceptional property is a guest house that offers versatile space, ideal for an art studio, home office, gym, or additional living quarters. Located within our sought-after lifestyle community, residents enjoy exclusive access to amenities that include 7 golf courses, fitness, tennis, pickleball, swimming, and 7 restaurants. Membership is not included with this property, however additional information regarding membership applications is available through the document tab.

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9467 E Sundance Trail Scottsdale, AZ 85262

$3,995,000

5 Beds

5.5 Baths

4,900 SqFt

Status Active

MLS # 6461596

Property Type Single Family Residence

Price Type --

Another spectacular contemporary home by August Building Company to be built on a great view lot in Desert Mountain. More information to come. No membership to the Desert Mountain Club available with this property.

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94 Biltmore Estate Phoenix, AZ 85016

$3,995,000

8 Beds

7.5 Baths

8,933 SqFt

Status Active

MLS # 6714218

Property Type Single Family Residence

Price Type --

BY FAR, THE BEST VALUE ON THE BILTMORE CIRCLE! Incredible opportunity awaits! Now is your time to own an historic home on the prestigious Biltmore Circle for UNDER $4MM!! Iconic, Timeless- Original Biltmore Estate. A true testament to opulence and the American spirit of the early 20th century, The Biltmore Estate is an emblem of luxury, history & architectural brilliance. Located in the sought-after Biltmore Circle & set amidst stately mansions, a RARE opportunity to own a piece of this Arizona history is now available! Whether undertaking a full restoration, or creating your vision of a modern-day luxury masterpiece, the possibilities are endless. This original & classic Spanish Hacienda Biltmore Estate, circa 1933, was built and owned by the BILTMORE HOTEL LLC. The estate's location is is nearly unbeatable. Positioned on one of the most desirable view lots within the Biltmore Circle, the estate offers a serene & inspiring setting, providing expansive grounds of verdure, meandering water gardens, breathtaking views of Camelback Mountain, Praying Monk, rare lake views & an IMPRESSIVE 177 ft+/- of GOLF FRONTAGE on the Links Golf Course. With the benefit of NO HOA & two separate residences on the lot, the home's current offering provides the ideal multi-generational living or vacation rental possibilities. Included is a 6,219 sf main estate, an attached 900+/- sf 1BR/1BA guest townhome w/ kitchen & great room, a small casita w/ 1BA & kitchenette, and a detached second home, designed & built by internationally acclaimed architect, Jeffrey Page of Space Line Design. The 2,500+/- sf modern architectural gem was featured on HGTV: UNIQUE DESERT HOMES, PHOENIX HOME & GARDEN magazine, as well as numerous other publications in the US, UK, Turkey & the UAE. The villa offers a large great room w/ soaring ceilings, walls of glass, & 2 BR/3 BA plus an office. Completing the estate is a 6 car-garage (one is an RV height), providing plenty of room for your classic cars or 'toys'. SELLER FINANCING COULD BE CONSIDERED. Embrace your vision with this truly one-of-a-kind opportunity! See also land/lot listing MLS #6715940

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