3 Simple Tips for Boosting Your FICO Credit Score Before Applying for a Mortgage

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.

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

41908 W Arvada Lane Maricopa, AZ 85138

$600,000

5 Beds

4 Baths

3,292 SqFt

Status Active

MLS # 6764885

Property Type Single Family Residence

Price Type --

Welcome to this stunning single-story home offering 5 bedrooms, 4 baths, and a versatile den/office, perfect for today's lifestyle. The interior showcases a great room with high ceilings, a soothing palette, wood-look flooring, and sliding doors that lead to the backyard. Enjoy cooking in the impeccable kitchen with abundant white cabinetry, granite counters, SS appliances, a large island, and a walk-in pantry. The main bedroom offers soft carpeting, an ensuite with dual sinks, and a walk-in closet. The in-law suite, complete with a private dinette and bathroom, provides added flexibility for guests or extended family. Energy efficiency is key with solar panels, helping reduce utility costs. This home blends comfort, functionality, and style—ideal for your next chapter!

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1909 E Libra Drive Tempe, AZ 85283

$600,000

3 Beds

2 Baths

1,564 SqFt

Status Active

MLS # 6772083

Property Type Single Family Residence

Price Type --

Beautiful 3BR/2BA Home with Pool, Garage, and 2024 Upgrades! This move-in-ready gem has it all! Featuring a sparkling remodeled pool and a new roof and AC installed in 2024, this home offers modern comfort and peace of mind. The completely renovated kitchen and baths boast fresh finishes, while new windows flood the space with natural light. Enjoy sleek, new flooring throughout and plenty of storage in the 2-car garage. Whether you're hosting poolside or relaxing indoors, this home is perfect for both entertaining and everyday living. Don't miss your chance—this one won't last long!

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3747 E Dover Street Mesa, AZ 85205

$600,000

4 Beds

2 Baths

2,344 SqFt

Status Active

MLS # 6775227

Property Type Single Family Residence

Price Type --

$25k PRICE IMPROVEMENT! Welcome home to this beautiful 4-bedroom property! Located in the desirable Crosspoint neighborhood, near parks & restaurants, this fabulous house, will welcome you with w/a 2-car garage, grassy front yard, & a relaxing front patio. Inside, you'll find soaring vaulted ceilings, wood flooring, & comfortable great room w/an inviting fireplace. The living room is ideal for entertaining w/backyard access & bay windows in the dining area. The kitchen has shaker cabinets, granite counters, tile backsplash, & a peninsula w/breakfast bar. Tray ceilings, & an ensuite w/dual sinks, a fully tiled shower, a soaking tub, & a large walk-in closet are some of the features you will love about the primary suite. The backyard features grass and an in-ground trampoline.

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7507 E Roosevelt Street Scottsdale, AZ 85257

$600,000

3 Beds

2 Baths

1,180 SqFt

Status Active

MLS # 6779019

Property Type Single Family Residence

Price Type --

WOW what a gorgeous Property!!! This 3 bed / 2 bath home sits on a Generous Lot and has been Completely Remodeled by LICENSED CONTRACTORS. House Boasts: POOL, New White Shaker Soft Close Cabinetry, Custom Backsplash, Quartz Counters with Waterfall, New Appliances, Walk in Pantry, New Tile and Laminate Flooring, Remodeled Bathrooms, All new Electrical and Plumbing Fixtures, New Doors / Baseboards and Trim, Custom Finishes, Fresh Paint Inside and Out, Dual Pane Windows, Newer HVAC and Roof, New Landscaping, Covered Patio, Custom Gates and MUCH MUCH MORE!!! All for under 600k. Wonderful location close to Shopping, Dining and Entertainment. Loops 101 and 202 nearby for quick commute anywhere in the VALLEY. Tremendous School District. Do not miss out on this AMAZING OPPORTUNITY.

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25353 N 134th Drive Peoria, AZ 85383

$600,000

3 Beds

2.5 Baths

2,251 SqFt

Status Active

MLS # 6780800

Property Type Single Family Residence

Price Type --

Stunning 3-Bedroom Home with Upgrades Galore! This newer 3-bedroom, 2.5-bathroom residence boasts an array of builder and owner upgrades, making it a perfect blend of style and functionality. The heart of the home features a large kitchen island, ideal for entertaining, which seamlessly flows into a spacious family room. Enjoy cooking and gathering with family and friends in this bright and inviting space. Retreat to the primary bedroom, thoughtfully separated from the guest rooms for added privacy. It offers a generous walk-in closet and private access to the backyard—perfect for morning coffee or evening relaxation. Need extra space? The additional office or den area provides flexibility for work play area. Step outside to your backyard oasis, complete with a pavered seating area and a new synthetic turf play area, perfect for kids or pets. For pet owners, there's a gated, turfed pet area that provides natural shade and a safe space for your furry friends to play.

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10080 E Mountainview Lake Drive Unit 260 Scottsdale, AZ 85258

$600,000

2 Beds

2 Baths

1,298 SqFt

Status Active Under Contract

MLS # 6695830

Property Type Apartment

Price Type --

Introducing an unparalleled opportunity to own a prime lakefront corner unit with breathtaking views of Lake Serena in the prestigious Scottsdale Ranch community. Rarely available, this sunlit sanctuary offers an idyllic retreat with unparalleled vistas. Indulge in leisurely moments on the north-facing balcony, where you can savor refreshments against the backdrop of stunning mountain views framing the serene lake. The recently renovated kitchen boasts brand-new features and high-quality appliances, ensuring both style and functionality. Whether you seek a primary residence, a luxurious vacation getaway, or a lucrative investment, this property is a true gem. Enjoy access to the exclusive amenities of Scottsdale Bay Club, including two pools, two spas, a fitness center, and a tranquil pond. Additionally, residents can partake in the vibrant social scene and amenities of Scottsdale Ranch, further enhancing the lifestyle experience. Stay tuned for professional photos and additional information coming soon! Don't miss your chance to make this extraordinary property yours!

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6670 W Pine Cone Trail Pine, AZ 85544

$600,000

3 Beds

2 Baths

1,845 SqFt

Status Active Under Contract

MLS # 6722636

Property Type Single Family Residence

Price Type --

Gorgeous, newly built (2021) home on a half acre lot, nestled in the cool pines. This spacious home boasts an open floor plan with a large great room, kitchen, two bedrooms and bath downstairs while the primary bedroom and bathroom is upstairs with a private patio. Kitchen has top of the line appliances, granite countertops, beautiful backsplash, upgraded cabinets and a farmers sink. Wood tile planks throughout the home, no carpet. Beautiful sliding doors off the kitchen and great rooms offer amazing views of the lush forest. The home was constructed with James Hardie fiber-induced concrete siding which is fire resistant and has Milgard exterior windows and sliding doors. You won't want to miss seeing the amazing home.

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3611 N Tuscany -- Mesa, AZ 85207

$600,000

3 Beds

2.5 Baths

2,150 SqFt

Status Active Under Contract

MLS # 6779631

Property Type Single Family Residence

Price Type --

Beautiful 3-bedroom (plus loft), 2.5-bath residence in Rolling Hills at Las Sendas and EVERYTHING LAS SENDAS HAS TO OFFER! Welcoming living room with soaring vaulted ceilings, half-moon clerestory windows, plantation shutters, and a harmonious blend of soft carpet and tile flooring. Gather in the family room, offering sliding doors that lead to the backyard for seamless indoor-outdoor living. The gourmet kitchen comes with granite counters, custom wood cabinetry with crown moulding, a stone tile backsplash, recessed lighting, SS appliances, a handy pantry, and a peninsula with a breakfast bar. The main bedroom includes plush carpeting, balcony access, an ensuite with double sinks, and a walk-in closet. **1 newer ac in 23' and other 21' ..tankless water heater in 19 and water softener 23'. Enjoy a breath of fresh air on the charming balcony showcasing stunning mountain views. The backyard showcases a covered patio, pristine artificial turf, and a play area for outdoor fun. Make it yours!

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1364 W Escarpa Street Mesa, AZ 85201

$600,000

3 Beds

3 Baths

2,025 SqFt

Status Active

MLS # 6770017

Property Type Single Family Residence

Price Type --

Discover this exceptional 3-bedroom, 3-bathroom home on a nearly 1/2 acre hilltop lot at 1364 West Escarpa Street, Mesa, AZ. Enjoy breathtaking valley views, stunning sunsets, and Camelback Mountain in the distance, all with no backyard neighbors. The split floor plan features two primary suites, a family/living room with vaulted ceilings, and a dining room. The kitchen boasts espresso cabinets, granite countertops, a tile backsplash, stainless steel appliances, a breakfast nook, and a bar. Cozy up by the wood-burning fireplace or step outside to the extended covered patio. The triple-tiered backyard offers artificial turf, a fire pit, and a mini motocross/BMX track. With no HOA and proximity to ASU, Old Towne Scottsdale, and major freeways, this home is perfect for those seeking convenience and adventure.

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5100 E Rancho Paloma Drive Unit 2085 Cave Creek, AZ 85331

$600,000

2 Beds

2 Baths

2,074 SqFt

Status Active

MLS # 6739610

Property Type Townhouse

Price Type --

Luxurious almost new townhome in a gated community where you can kick back and relax in a stylish space. Furniture available on a separate bill of sale. All cabinets have handles installed. Ceiling fans in all rooms. Kitchen has reverse osmosis drinking water. Laundry has an added shelf. Walk in shower in primary. Fiber gigabit internet so working from home and online streaming is easy and enjoyable. Tesla universal EV charger wall mounted in garage. Great mountain views. Large balcony. Home is pet and smoke free. Community pool, spa, gym, barbecue and lots more. This community is about 5 minutes from Sprouts, Walmart and Frys stores. Cave Creek Recreational are is 10 minutes away and perfect for hiking, biking and horseback riding. Home has friendly neighbors.

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4005 N Park Street Buckeye, AZ 85396

$600,000

3 Beds

2 Baths

1,934 SqFt

Status Active

MLS # 6762436

Property Type Single Family Residence

Price Type --

Stunning ranch-style home in Verrado Main Street District! LOCATED across from Founders Park, this home offers White Tank Mountain VIEWS, FULLY PAID-OFF SOLAR, and a pebble sheen SWIMMING POOL. Great curb appeal with stone accents, mature landscaping, and a cozy front porch. The open layout features tile floors, plantation shutters, and a spacious den. The kitchen boasts white shaker cabinets, granite countertops, and a breakfast bar. The garage is heated/air-conditioned with a Mitsubishi mini-split, fully insulated, and has lifetime flooring. Upgraded windows, a new 50-gallon hot water tank, and a backyard perfect for entertaining with seating areas and a fire pit complete this rare find!

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28643 N 46th Way Cave Creek, AZ 85331

$600,000

3 Beds

2 Baths

1,832 SqFt

Status Active

MLS # 6781933

Property Type Single Family Residence

Price Type --

***FREE 1% RATE BUYDOWN FOR THE FIRST 12MONTHS** A message from our sellers'' For the past decade, this home has been more than just a structure—it's been a place where cherished memories were created, inside and out. Situated in a friendly neighborhood where connections go beyond the typical wave across the street, you'll find a true sense of community here'' Discover the charm of this single-story home in the highly sought-after Cave Creek! Inside, you'll find custom wood-paneled walls that add warmth and character, paired with an updated kitchen featuring sleek quartz counters and a custom-built breakfast bench perfect for morning coffee. Fresh carpet in the bedrooms makes every space feel inviting and comfortable. Step outside to your private oasis, complete with a sparkling fenced pool, low-maintenance artificial grass, and mature landscaping that creates the perfect backdrop for relaxation or entertaining. Nestled in a coveted location with tons of ''must-see'' features, this home combines style, comfort, and the Cave Creek lifestyle you've been dreaming of.

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