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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1830 E La Salle Road Phoenix, AZ 85086

$695,000

3 Beds

3.5 Baths

2,584 SqFt

Status Active

MLS # 6757624

Property Type Single Family Residence

Price Type --

Nestled in the stunning Arizona desert, this gorgeous single-level 3-bedroom, + a den 3.5-bathroom, 2584 sq ft home offers a rare blend of charm and modern convenience on a sprawling 1.67-acre lot. Boasting a 4-car garage and a 1,277 sq. ft. Quonset hut, the solar panels are owned outright and offer energy efficiency and long-term savings. This property has everything you need for comfort and space. Step inside and be greeted by warm Saltillo tile and coated concrete floors. The smooth concrete kitchen counters add a sleek, modern touch, while the split floor plan offers functionality & privacy. The welcoming foyer leads into a formal dining room and a cozy living room with a gas fireplace—perfect for entertaining & relaxing. The primary suite is a serene retreat, complete with a private exit to the covered patio and backyard, a spacious walk-in shower, a separate tub, and generous closet space. The split floor plan places a secondary bedroom and den on the opposite side of the home, each with its own bathroom for added convenience. A well-equipped laundry room with a utility sink adds practicality. Outside, enjoy the expansive paver-covered patio, an ideal space for entertaining guests or simply soaking in the beauty of the desert surroundings. With ample room for all your toys, this property is perfect for those seeking space and freedom. Located just minutes from hiking and riding trails, this home offers the perfect balance of peaceful desert living with easy access to outdoor adventures. Come and experience the warmth and charm of this unique home!

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10472 W Alex Avenue Peoria, AZ 85382

$695,000

5 Beds

3 Baths

3,074 SqFt

Status Active

MLS # 6758159

Property Type Single Family Residence

Price Type --

This wonderful 5 bed, 3 bath residence now on the market is for you! Great curb appeal, a manicured landscape w/natural turf, a 3 car garage w/built-in cabinets, and an RV gate are just the beginning. Discover a spacious dining & living areas w/elegant wood-look flooring, plantation shutters, and warm palette throughout. The family room showcases a fireplace to keep you warm during the coming winter months! The kitchen is comprised of wood cabinetry w/crown moulding, SS appliances, a pantry, and a peninsula w/a breakfast bar. Upstairs you'll find a cozy loft w/soft carpet, where you can spend a relaxing evening. The primary bedroom boasts a walk-in closet and a full ensuite w/dual sinks for added convenience. Lastly, the expansive backyard includes a covered patio, extended seating area, a built-in BBQ, and a refreshing pool! Don't let this incredible opportunity slip by!

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15240 S 16th Avenue Phoenix, AZ 85045

$695,000

5 Beds

3 Baths

2,765 SqFt

Status Active Under Contract

MLS # 6782949

Property Type Single Family Residence

Price Type --

Welcome to this exceptional 5-bedroom, 3-bathroom home located in the sought-after Club West community, perfectly tailored for both relaxation and entertaining. The interior features a spacious great room and family room, offering the perfect layout for gatherings of any size. The kitchen is beautifully appointed with a gas range, granite countertops, and ample space for cooking and hosting. First floor has bedroom and bath perfect on-suite for guests or extended family. The master suite serves as a private retreat, complete with a luxurious bath featuring a soaking tub, walk-in shower, and an expansive walk-in closet. Outside, the backyard is a true oasis designed for enjoyment and entertainment. A sparkling heated pool and spa set the stage for relaxation, while the synthetic grass and fully equipped outdoor kitchen make hosting a breeze. The outdoor kitchen includes a Green Egg smoker, a convenient sink, a natural gas grill, and plenty of storage. A built-in bar with a refrigerator ensures refreshments are always within reach. Located in the heart of Club West, this home provides access to scenic parks, trails, and nearby conveniences, making it ideal for an active yet tranquil lifestyle. Don't miss your chance to experience this incredible home

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56 E Camellia Way Queen Creek, AZ 85140

$695,000

2 Beds

2.5 Baths

2,124 SqFt

Status Active

MLS # 6782741

Property Type Single Family Residence

Price Type --

Live the Resort Lifestyle at Encanterra, Stunning 2 Bedroom, 2.5 Bath home features a Guest En Suite, separate Golf Cart garage, Office Space & a Private Den. Back Patio has Morotized Screens giving you an instant Arizona Room. Pre-Wire Surround Sound, Just a short walk away to the heart of resort amenities. Enjoy the luxury of the indoor pool, lap pool & the Solaz Golf View pool, perfect for soaking up the sun or taking a refreshing dip. Unwind in the Jacuzzi & dine at La Palma restaurant. Stay active with access to the gym, spa, For more excitement, head over to the Algarve complex, boasting an adult pool, Grill & Pickleball/Gaming area for endless entertainment or the Santorini Art Facility. The Community is surrounded by scenic walking paths & Tom Lehman designed golf course.

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19447 S 209th Place Queen Creek, AZ 85142

$695,000

3 Beds

3 Baths

2,352 SqFt

Status Active

MLS # 6809385

Property Type Single Family Residence

Price Type --

Discover this stunning, highly upgraded 3 bed + den, 3 bath single level home in the desirable Gateway Quarter community. With its modern design, luxurious amenities, and serene backyard oasis, this home offers the perfect blend of style, comfort, and convenience. Step inside to be greeted by a spacious and open floor plan featuring a gourmet kitchen with stainless steel appliances, granite countertops, and a waterfall edge. The master suite offers a walk-in closet, dual vanity, and a spa-like step-in shower with a rain head. Secondary bedrooms, one with an en suite bath, provide ample space for family or guests. Modern tile floors throughout, plantation shutters, and executive height vanities with quartz counters complete the interior. Unwind in your private backyard retreat featuring a covered patio, a self-cleaning SALTWATER pool (complete with a water feature), and palm and citrus trees. The property includes full irrigation for easy care and backs up to a wash with no rear neighbors! This home is highly upgraded and offers many modern amenities, including a new A/C unit installed in August '23. Conveniently located near Phoenix-Mesa Gateway Airport, golfing, shopping, and dining, this home provides the perfect blend of comfort, style, and convenience.

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8672 E Edgemont Avenue Scottsdale, AZ 85257

$695,000

3 Beds

2 Baths

1,749 SqFt

Status Active

MLS # 6739133

Property Type Single Family Residence

Price Type --

INSTANT EQUITY. Appraisal completed for $755k!! Motivated seller!!! Lender incentives available as well towards closing costs! This stunning 3-bedroom, 2-bathroom is bathed in natural light, featuring a kitchen with stainless steel appliances, a spacious island with a breakfast bar, elegant granite countertops, and custom cabinetry. The luxurious master suite is a private retreat, complete with a sitting room, a large walk-in closet, and a lavish bath that boasts double sinks, a soaking tub, and a glass shower. The spacious extra bedrooms offer plenty of room for family or guests. The backyard also includes a large storage unit, an extended covered patio, and convenient RV gate and parking. No HOA.

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2320 E Allen Street Phoenix, AZ 85042

$695,000

4 Beds

2.5 Baths

2,620 SqFt

Status Active

MLS # 6819997

Property Type Single Family Residence

Price Type --

Step into luxury and comfort with this beautifully upgraded 4-bedroom home, where over $58,000 in upgrades since 2023 make everyday living effortless and exciting! From the new HVAC system and water heater to the sleek kitchen featuring an induction stovetop, every detail has been designed for modern convenience. Even the custom-built primary closet and cooling misting system add a touch of indulgence. Nestled within a gated community, this home offers a serene retreat just steps from the breathtaking South Mountain Preserve, where you can explore miles of hiking, biking, and horseback riding trails. And when city life calls, you're just minutes from downtown Phoenix, Sky Harbor Airport, ASU, and premier shopping and dining. Inside, elegance abounds with high ceilings, rich hardwood cabinetry, granite countertops, plantation shutters, and custom draperies that create an inviting and sophisticated atmosphere. The chipped-edge travertine floors add warmth and character, while the open-concept layout makes entertaining a breeze. Step outside and unwind in your private backyard oasis, designed for both relaxation and entertaining. Enjoy al fresco dining on the travertine tile patio, host gatherings around the built-in BBQ and fire ring, or simply soak in the tranquility of this low-maintenance, beautifully landscaped escape. Storage is no concern with the three-car split garage, built-in cabinetry, and additional laundry room storage. Plus, with the HOA maintaining the front yard, you can spend more time enjoying your new home and less time on upkeep. Don't miss this rare opportunity. Come experience the lifestyle you deserve today!

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19202 W Coolidge Street Litchfield Park, AZ 85340

$695,000

4 Beds

3 Baths

2,649 SqFt

Status Active

MLS # 6807823

Property Type Single Family Residence

Price Type --

Seller to contribute $ 14,000 !!! ( 2 %) to buyer's CLOSING COSTS !!! This NEXT GEN HOME shows like a model ! Home was fully inspected March of 2024 and that report is available to you ! Why wait 8 months to build a new home at builder prices? Save your time and move into this new 2023 home instead ! And, rather than go through the hassle, expense and wait time to build a new pool, go swimming now! This fabulous NEXT GEN home already has a sparkling pool, turfed back & front yards with mountain views separating you from your neighbors! Solar system too! The main home has a 2 car garage and the NEXT GEN home has a 1 car garage and it's own private main entrance. BOTH homes have multiple features including Stainless Steel Frigidaire Gallery appliances, side by side refrigerators with indoor water & ice features, gorgeous granite counters with backsplash tiles , 5 burner gas stoves and two beautiful kitchens ! Plus, smart water monitors, water softener & R/O system, smart garage door openers, steel security doors and Ring video doorbells. Both homes also have a very spacious Great Room living area. NEXT GEN home has it's own washer/dryer hookup and an Air Fryer & convection oven! Why buy new? Why wait and be subject to builder labor & supply issues and delays out of your control? It's all here waiting for you now! And, do you know how long it would take to build your own pool? This is one of the few NEW communities that even feature NEXT GEN homes! Go look at your choices. Look at the rest and come see the BEST! For a complete list of features, see document page.

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17203 E Calaveras Avenue Fountain Hills, AZ 85268

$695,000

3 Beds

3 Baths

1,835 SqFt

Status Active

MLS # 6801973

Property Type Single Family Residence

Price Type --

Updated & upgraded Santa Fe style perfect for entertaining! Artistic front and backyard offer beautiful outdoor living spaces with multiple covered patios, large built-in seating area, pool and colorful wall mural. Southwestern styling continues w/ Saltillo tile and epoxy finish floors throughout. Living space features a kiva fireplace and a warm plank wood ceiling with vega beams. The heart of this home is an open peninsula kitchen that offers hard wood cabinetry, Corian counters w/ Copper details, breakfast bar seating and dining area. Primary bedroom has updated bath of modern glass & tile shower, copper sink bowl & large closet. 2 add. bedrooms (one oversized) offer office, fitness or craft space. RV Gate, solar, wired for EV charger, close to pickleball, park & trails! NO HOA/NPO

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20882 W Eastview Way Buckeye, AZ 85396

$695,000

4 Beds

2.5 Baths

2,909 SqFt

Status Active

MLS # 6809177

Property Type Single Family Residence

Price Type --

This stunning 4-bedroom, 2.5-bath home offers elegance and comfort in every detail. Highlights include a spacious family room and master suite, both with cozy fireplaces, and a chef's kitchen featuring granite countertops, double wall ovens, and ample storage. The master bedroom boasts a walk-in closet and spa-like ensuite. Work from home in the private office with built-in shelves or entertain in the formal dining room. Outside, enjoy the private courtyard, sparkling pool, and low-maintenance synthetic grass in the front. A 3-car garage adds convenience, while thoughtful finishes complete this exceptional home. Located near schools, shopping, dining and the freeway.

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20850 E Tara Springs Road Black Canyon City, AZ 85324

$695,000

4 Beds

4 Baths

3,510 SqFt

Status Active

MLS # 6784457

Property Type Single Family Residence

Price Type --

From the moment you step through the front door, you will feel the warmth and comfort that this property exudes. This is THE ideal home for multi-generational buyers dreaming of homesteading, keeping horses, and grounding themselves in a peaceful lifestyle. Perhaps you prefer having an on-site rental property - this estate can accommodate that too. The property boasts TWO SEPARATE LIVING QUARTERS, each complete with its own kitchen, four bathrooms, and ample bedrooms to suit your needs. Surrounded by majestic mountain views, this horse property is ideally situated on 2.77 acres featuring easy-care desert landscaping. Additional highlights include a covered front patio and back deck, a garage, a storage shed/tack shed, and a brand new roof! If you seek a tranquil lifestyle that's not too far from the city, Welcome Home!

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8245 E Bell Road Unit 240 Scottsdale, AZ 85260

$695,000

3 Beds

2 Baths

1,819 SqFt

Status Active

MLS # 6762520

Property Type Townhouse

Price Type --

Buy this beautiful turn-key, 3 bdm townhome w/ 2 car garage in PRIME Scottsdale location and walk to the Phoenix Open next year! Unit fully furnished with NO short term rental restrictions! Spacious kitchen w/ stainless steel appliances, breakfast bar and eat in kitchen. Home is light & bright w/ soaring ceilings, large living room w/ fireplace & bar area, and beautiful mountain views. Primary bedroom bath w/ tiled shower, double sinks and his & her closets. 2 nice size additional rooms w/ ceiling fans and large closets (flooring for these rooms in garage). Relax on your private covered patio overlooking Scottsdale Sport Complex . Enjoy a 2 car garage with indoor access. Wonderful location offers an abundance of golf, hiking and fine dining options, w/ Sky Harbor about 20 minutes away.

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