There are a variety of factors that are involved in getting your mortgage approved, but few things will have more of an impact than your FICO score and the credit history that goes along with it. Instead of leaving your score up to chance when submitting your application, here are a few ways that you can boost your financial well being and leave your credit score better off than it was before.
Put More On Your Card
It’s important to put purchases on your credit card that you can afford to pay off consistently, but many people are not aware that how much debt you owe can actually positively contribute to your credit score. While it’s good to use up to 30% of your available debt load, a significantly higher percentage than this can be a signal to lenders that you are experiencing financial difficulties. By putting everyday items on credit, it will be easier to give your score an instant boost.
Clear Your Credit History
Many people who think they have bad credit are too afraid to even review it, but it’s very important to take a look at your credit history when it comes to taking control of your finances and your FICO score. If there happens to be incorrect information on your credit report, this will enable you to contact the appropriate lenders and dispute the charges so they can be corrected prior to your mortgage application. It may not seem significant, but this can actually have a marked impact on the outcome of your application.
Make Your Payments On Time
It’s often the case that those who are struggling with debt may push away the bills altogether and give up on the minimum payment, but it’s very important that the minimum is made to keep your financial health in check. It may take a few months to see the results of putting down this amount before the due date, but it will improve your credit over time and forge good habits for the future.
Your credit score is an important aspect of determining your financial health for lenders, and this means that your credit history is of significant importance when it comes to your mortgage. Instead of leaving it up to chance, ensure that you’re making the minimum payments and correct any discrepancies in your credit report.
If you’re currently in the market for a home and are considering your options, give me a call for more information – J.P. Cook – 602-320-4253.
Click Here to See What Your Home is Worth
360 S Falling Leaf Road
Show Low, AZ 85901
$1,750,000
5
Beds
3.5
Baths
3,649
SqFt
Status
Active
MLS #
6748746
Property Type
Single Family Residence
Price Type
--
Experience luxury living in this exquisite 5-bed, 3.5 bath home nestled among the serene pines of the Torreon Community. With a prime location on the 14th green of the Tower Course, this spacious residence offers a perfect blend of elegance and comfort. Upgraded features throughout the property add a touch of sophistication, making it a dream home for those seeking a higher standard of living. Enjoy the tranquility and beauty of nature while indulging in the exclusive amenities that Torreon has to offer. This gorgeous custom build sits on one of Torreon's largest lots at 1.49 acres, providing lots of privacy. The modern exterior with black and natural siding as well as stone, pops among the pine trees. The main entrance has double doors that swing open to take in the large living room. The large windows flood the home with natural light and accentuate the gorgeous finishes. The home features a chef's kitchen with 2 islands and high end appliances that include 3 freezers, 2 refrigerators and a wine fridge. The 2 islands provide lots of storage and extra seating for large gatherings. You and your guests alike will enjoy the view of the large covered deck from the dining room. The deck features tongue and groove ceiling, built in speakers and cable/steel railings. The main floor has 2 primary suites with double vanities in the bathrooms and vaulted tongue and groove ceilings in each. Upstairs is a large bunk style room also with vaulted tongue and groove ceiling. The home also has an oversized 3 car garage. We can't wait for you to experience mountain living at it's finest in this gorgeous Torreon home!
12 E Quartz Rock Road
Phoenix, AZ 85085
$1,750,000
6
Beds
3.5
Baths
4,234
SqFt
Status
Active
MLS #
6741441
Property Type
Single Family Residence
Price Type
--
Incredible home on over an acre corner lot w/stunning mountain views! You'll love the RV gate, RV parking space, & RV garage! The double ironwork door opens to discover two office spaces, pre-wired surround sound, plantation shutters, recessed lighting, modern ceiling fans, & an ample living room w/multi-sliders to merge the indoor/outdoor areas. Chef's kitchen delight features a breakfast bar, SS appliances, quartz counters, white cabinets, tile backsplash, handy pantry, & a center island w/pendant lighting. Grand main bedroom is ample enough for all your furniture, private backyard access, two walk-in closets, & a spa-like ensuite w/jetted tub, two vanities, & tiled shower. The oversized backyard has covered patio, built-in BBQ, outdoor bar, artificial turf, & lots of space. Must see This custom home is located on a corner lot! One of, if not the best, lots in the neighborhood! The home is surrounded by custom built RV gates that were made locally in Phoenix! Two of the bedrooms are currently being used as office space, but both have closets and can be used as bedrooms as well!
29315 N 140th Street
Scottsdale, AZ 85262
$1,750,000
5
Beds
3
Baths
3,150
SqFt
Status
Active
MLS #
6756163
Property Type
Single Family Residence
Price Type
--
Welcome to your very own ranch in North Scottsdale in the desirable 85262 zip code. This rare, just under 5 acre property in the Rio Verde Foothills offers privacy and tranquility on a dead end road, and features a pitched metal roof and charming wrap around porch perfect for outdoor living while enjoying the scenic views of the Four Peaks, Weavers Needle and the McDowell mountains. A full size windmill adds a picturesque touch to the desert landscape as you sit outside to take in the beauty of the Arizona dessert. The main residence boasts two stone fireplaces that add to the inviting atmosphere in both the primary bedroom and main living area. The high ceiling and numerous windows in the great room enhance the sense of openness making the room feel like an extension of natur The newly remodeled kitchen is modern and stylish designed for both functionality and aesthetics. Additionally, the property includes a separate 2 bedroom, one bath 1000 ft.² Casita is ideal for guests or additional living space and is currently used as an income producing residence. The casita also has an inviting fireplace in the main living area along with a wraparound porch and pitched metal roof and stunning views that match the main home. This beautiful property also comes complete with a four stall mare Motel with runs that can be divided up to eight stalls (16x40), All with automatic waters, tack room, a 50 foot round pen and a large 80 x 200 arena along with a huge fenced turn out with no climb. Miles of scenic trails for riding, hiking, mountain biking, and running are easily accessible just steps from your front door in the McDowell Sonoran regional park. Some additional noteworthy aspects of the home include an oversized three car garage with plenty of room for storage, an on-site shared well (3 share) with new sub pump and a 6000 gallon above ground tank, main home AC unit that is only three years old. The surrounding natural landscape is dotted with mature mesquite and palo verde trees, cacti, and low maintenance rolling desert. This incredible property and traditional ranch style homes combine rustic charm with updated amenities creating a perfect blend of comfort and functionality. This property has so many unique features, you have to see it for yourself!
5501 E Camelback Road
Phoenix, AZ 85018
$1,750,000
4
Beds
3
Baths
2,908
SqFt
Status
Active
MLS #
6753183
Property Type
Single Family Residence
Price Type
--
The best location is on Camelback Rd. Give it a shot. There is little to no road noise due to the private feeder street, 30 yards of buffer and vegetation, and unobstructed views of Camelback. No HOA. This 2900 sq ft home is the perfect entrance to Arcadia with massive upside in this lightly renovated property. The property features an Open kitchen to family room with FP, Formal dining room, living room, and 3 spacious secondary bedrooms with 1.5 baths. Huge primary suite with room for office or workout space and renovated bathroom. Side entry 3 car garage. Massive backyard with RV gates, diving pool, and extended-length covered patio. Property features incredible upside due to location. This is the lowest price on near an acre in the area. 2 current lots on the market for 2.4 and 2.6 million for dirt only. New carpet, paint, and ready to move in. Full home inspection is available as well. Plus approved plans from the city of Phoenix for new 8500 sq ft home. Currently empty and can be filled for financing.
7705 E Doubletree Ranch Road Unit 46
Scottsdale, AZ 85258
$1,750,000
3
Beds
2
Baths
2,366
SqFt
Status
Active
MLS #
6778656
Property Type
Single Family Residence
Price Type
--
PROFESSIONALLY DESIGNED & ARCHITECTED WITH LEVEL 5 FINISHED SMOOTHED WALLS-ALL MARBLE & QUARTZITE BACK SPLASHES & COUNTER TOPS W MITERED EDGES-FLOOR TO CEILING TILE & GLASS THRU OUT BATHROOMS W CURBLESS ENTRY-ENTIRE HOUSE HAS AMERICAN MANUFACTURED DELTA PLUMBING FIXTURES-ALL BRAND NAME HIGH END DESIGNED LIGHTING/CEILING FANS.NEW CUSTOM & LOCALLY MANUFACTURED ALDERWOOD INTERIOR DOORS-96'' WHERE APPLICABLE-BARN DOORS ARE ALL SOFT CLOSE-NEW TOP OF THE LINE CABINETRY THRU OUT ENTIRE HOME-ALL W SOFT CLOSE DRAWERS AND CABINETS -ALL FLOORING/TILE/MARBLE MATERIALS ARE ITALIAN OR SPANISH MANUFACTURED-NO DISCOUNT OUTLETS-ENJOY GAINEY RANCH AMENITIES-24-HR GUARD GATES-NEW ESTATE CLUB-TENNIS & PICKLE BALL COURTS-FITNESS CENTER-OLYMPIC SIZE POOL-THIS HOME IS TRULY MOVE IN CONDITION -THIS IS A MUST SEE
455 N 39th Way
Mesa, AZ 85205
$1,750,000
5
Beds
5
Baths
5,930
SqFt
Status
Active
MLS #
6765539
Property Type
Single Family Residence
Price Type
--
Discover timeless sophistication in this beautifully renovated Mesa estate, offering over 5,000 square feet of luxurious living. This Estate was completely transformed in 2018, blending modern conveniences with refined elegance. Amenities include dual gas water heaters, newly upgraded 400-amp electrical panel, & the advanced Control 4 system for home automation, security, & sound. The heart of the home, a chef's dream kitchen, features a La Cornue French gas range, a spacious butler's pantry for ample storage. New 2018 air conditioning units & additional 2022 AC unit in the garage. Exterior exudes charm with stonework sourced from Texas & Oklahoma. No HOA! Horse privileges! This property offers the perfect blend of luxury, privacy & freedom.
7629 E Via De Ventura --
Scottsdale, AZ 85258
$1,750,000
4
Beds
3
Baths
2,418
SqFt
Status
Active
MLS #
6706404
Property Type
Single Family Residence
Price Type
--
WELCOME TO THE REALM OF REFINED LIVING & UNMATCHED SOPHISTICATION IN THE HEART OF MCCORMICK RANCH. THIS EXQUISITE 4 BEDROOM, 3 BATHROOM 'MEDITERRANEAN VILLA' CREATED BY 'SCOTTSDALE'S PREMIER LUXURY BRAND' ENCAPSULATES THE EPITOME OF WATERFRONT LUXURY.....OFFERING A LIFESTYLE THAT SEAMLESSLY COMBINES CONTEMPORARY DESIGN WITH BREATHTAKING 'LAKE & MOUNTAIN' VIEWS. SITUATED IN THE PRESTIGIOUS ENCLAVE OF PALO VIENTO WITH WATERFRONT PRIVACY AND THE MOST IDYLLIC OUTDOOR LIVING ENVIRONMENT! A unique opportunity to own 'one' of just 8 homes on a private-sub street perched on lake's edge. With superior corner location, the design is modern & open encapsulating all the space, flow & light with wood beamed soaring vaulted ceilings, engineered hard wood floors throughout. Floor to ceiling illuminating fireplace & 'RESTORATION HARDWARE' chandeliers centers the large open concept living-room with views all around & sliding doors leading to the wrap around terrace, complete with splash sized spool/JACUZZI, BBQ, DINING AREA, FIREPLACE, PUTTING GREEN perfect for family gatherings & 'al-fresco' dining. Wine enthusiasts will appreciate the dedicated floor to ceiling wet bar. State of the art, SUBZERO/ WOLF integrated kitchen sits adjacent to formal dining room that has sliders onto private after dinner cigar patio! The primary bedroom is a true SANCTUARY has large sliders outlining the sensational lake views and opens onto private 'Owner's Suite' patio with easy spa access. featuring walk-in closet with lavish en-suite bathroom. Enjoy 3 more bedrooms & 2 bathrooms. The upstairs has 2 bedrooms share a gorgeous bathroom and open onto huge exquisite view balcony. Enjoy the sun-set over the mountains, twinkling moonlight glistening on the lake... THIS IS SERENITY FOUND AND AN ESCAPE TO PARADISE! FEATURES INCLUDE: TESLA SOLAR PANELS, Inside Laundry with Washer/ Dryer, 2 Car Oversized Epoxy Floored Garage with Electric Car Charging Station, Dual Pane Sliders & Windows, Floor to Ceiling Custom Designed Cast Iron & Glass Front Door, Custom Made to Order Barn Doors, Window Hardware & Drapery, Wood Inlayed Signature Mirrored Staircase, Sundeck, Spa Coating 2022, Roof 2022 HVAC 2022, Water Heater 2022, Smooth Cashmere Walls, Exterior Smooth Stucco, Handpicked Lighting & fans Throughout, Signature Bronze & Pewter Hardware, Custom Designed Wrought Iron Side Gates, New Landscaping, Artificial Turf, Pavers, Lights & Auto H2O System, Scottsdale Schools.
9411 E Calle De Las Brisas --
Scottsdale, AZ 85255
$1,750,000
4
Beds
2.5
Baths
3,296
SqFt
Status
Active
MLS #
6776998
Property Type
Single Family Residence
Price Type
--
Discover breathtaking mountain and city light views in this custom home, perfectly situated on a sprawling 1.09-acre lot for ultimate privacy and panoramic vistas of the valley below. This North/South facing property offers 4-bedroom, 2.5-bath layout with premium features, including granite countertops, a luxurious pebble-tec pool and spa, and an oversized 3+ car garage complete with additional storage and built-in cabinets. Unwind on the expansive wraparound patio, an ideal spot to soak in the stunning views and tranquil surroundings. Located in the desirable Pinnacle Peak Vistas III community, this home comes with the added benefit of no HOA. Thoughtfully crafted with abundant storage options throughout, this property is the perfect blend of style, comfort, and functionality.
5223 W Encanto Verde --
San Tan Valley, AZ 85144
$1,749,997
4
Beds
4.5
Baths
4,311
SqFt
Status
Active
MLS #
6759132
Property Type
Single Family Residence
Price Type
--
Magnificent property with incredible mountain views at Encanto Real is a dream come true! This gorgeous home sits on over a one-acre lot, offering an exquisite curb appeal complemented by a carefully designed desert landscape, paver patios & pathways, a 4 car garage, and two RV gates. The stunning interior will take your breath away with its massive open floor plan; from the impressive tall ceilings to the oversized tile floors and the sophisticated light fixtures, the sheer beauty & impeccable attention to detail of this sleek & contemporary design will leave you in awe. The living room has an accented wall with a recessed electric fireplace, adding warmth & comfort to the atmosphere. Elegance & modernity seamlessly mix in this refined white kitchen showcasing stacked shaker cabinets with crown moulding, glass door cupboards, granite counters, high-end Kitchen Aid Stainless Steel appliances, and an island with a porcelain farm sink. Multi-sliding glass doors connect the outstanding interior with the outdoor living. Generously-sized owner's suite hosts a luxurious spa-like ensuite with high-end details that'll make you feel in paradise. Freestanding double slipper tub, two vanity sinks, large glass shower with built-in bench & double rain heads, make-up vanity, and a massive walk-in closet are features that can't be left unsaid. In addition, this fabulous layout includes a spacious family room for movie nights and an entertainment room comprised of a large wet bar & an oversized waterfall bar with seating area and easy access to the back patio. The bountiful laundry room includes attached cabinetry, a utility sink, and abundant counter space. The big covered patio is ideal for relaxing while enjoying your favorite beverage and contemplating colorful sunsets behind the Mtns. The expansive backyard is a blank canvas waiting on its new owner's creative touch to transform into a desert Oasis. This value is a true wonder! You don't want to miss it. Act now!
10758 E Tamarisk Way
Scottsdale, AZ 85262
$1,749,900
3
Beds
3.5
Baths
3,464
SqFt
Status
Active
MLS #
6737024
Property Type
Single Family Residence
Price Type
--
Captivating contemporary residence in the Village of Cochise Ridge at Desert Mountain. This remarkable home boasts expansive living areas, four gas fireplaces, and two strategically positioned skylights infusing natural light for a crisp and clean aesthetic. The third bedroom showcases tall glass sliders, a closet, and a private bathroom with a shower. The Jr. suite offers privacy with its own exit, a spacious walk-in closet, & a bathroom featuring a shower. The primary bedroom provides easy access to the backyard from its private patio for seamless enjoyment of the spa and pool. Indulge in the wonders of the desert from the tranquil, sun-soaked south-facing patio, which offers breathtaking sunset views. The outdoor oasis includes a private pool, spa, and an inviting fireplace barbecue
18206 W San Miguel Court
Litchfield Park, AZ 85340
$1,749,000
4
Beds
3.5
Baths
3,873
SqFt
Status
Active
MLS #
6751277
Property Type
Single Family Residence
Price Type
--
This stunning home, with an assumable loan is located in the gated community of Russell Ranch. As you enter through the gated courtyard you will appreciate the bright open concept split plan residence that flows from the front to the rear of the home through the 12' sliding pocket door. The beautiful gourmet kitchen offers 2 dishwashers, 60'' wolf range, built in column refrigerator/freezer, extra-large quartzite island and counter tops. Separate area for coffee bar and large pantry, wet bar includes icemaker and beverage cooler with a bifold window that opens to the outdoor entertaining patio. The dining room features a 9' x 12' temperature-controlled wine display. Enjoy the relaxing and incredible master suite with elegant soaking tub, steam shower and marble counter tops. large bonus room. The extra deep 3 car garage with built-in cabinets and RV garage provides plenty of space for all of your vehicles and toys. Home was professionally designed and has top of the line features throughout. This home is an Entertainers Dream!!!
10598 E Tamarisk Way
Scottsdale, AZ 85262
$1,749,000
3
Beds
3.5
Baths
3,500
SqFt
Status
Active
MLS #
6761634
Property Type
Single Family Residence
Price Type
--
Welcome to your freshly painted immaculately maintained home in the prestigious guard gated community of Desert Mountain. With a large primary ensuite bedroom with gas fireplace and a second primary ensuite bedroom with a separate entry for privacy. The south facing wrap around patio has mountain, golf course and city lights views as well as a gas fireplace & BBQ grill and an in-ground spa with gas heater. Membership not included but available through the Desert Mountain Club, For details contact the Membership office. As a lock and leave home or your primary residence, this Cochise Village home provides a wonderful setting for your Arizona lifestyle. Seller is Owner Agent