4 Things You Absolutely Should Not Do After You Apply for a Mortgage

If you have a good credit history and are prepared to invest in a home, you may be feeling pretty confident about the mortgage process. However, it’s important to be aware that there are things that can have a negative impact on your application. Whether you’ve just submitted your documents or are getting close to it, here are some things you may want to avoid.

Acquiring New Credit

It may seem silly that something as minor as a new credit card can be a mark against your credit, but applying for new ones can be a bad sign to lenders. The problem is that this can be signal an unmanageable debt load, so you may be considered a high risk for not being able to make your payments.

Forget To Pay Your Bills

It’s easy enough to get lulled into the feeling that your mortgage application will be approved, but this doesn’t mean that you should forget your financial responsibilities. If you’ve had poor credit in the past and neglected paying your bills on time, now is not the time to do this. Instead, ensure that you’re paying all bills and any applicable minimum payments in advance of the due date so your credit score is not impacted.

Close Old Credit Cards

Many people think that closing out old credit cards can be a positive financial step forward and a good way to streamline their finances, but this can cause damage to your credit score. Because closing a credit card will change your available balance and bump up your debt load, it may mean that your debt percentage will increase. Instead of risking this, leave them active until you’ve received approval.

Quit Your Job

Few people will have the ability to quit their job when they’re applying for a mortgage, but doing this or incurring other fluctuations in your monthly income can cause problems with your application. If you are self-employed, there may be peaks and valleys in your finances, but a huge shift in what you bring home can show lenders that you’re not a solid bet.

There can be a lot of stress that comes along with the mortgage application process, but by paying your bills on time and staying on top of your payments, you can avoid negatively impacting your approval.   To start your home search, give me a call – J.P. Cook – 602-320-4253.

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406 N Pine Island Drive Payson, AZ 85541

$849,900

3 Beds

2 Baths

1,720 SqFt

Status Active

MLS # 6710709

Property Type Single Family Residence

Price Type --

PRICE ADJUSTED! WONDERFUL !What a fabulous way to own at Chaparral Pines, premier guarded/gated luxury golf course community AND this section provides lock and leave low maintenance! This home has been beautifully updated and lovingly maintained for true move in condition. Walk in the great room space with soaring tongue and groove ceiling, dramatice floor to ceiling stone fp, cooks kitchen, all new stainless appliances and access to the back deck. Dine, relax and enjoy the wind in the tall pines overlooking Pine Island pond/waterfall! Home has 3 ample bedrooms, organized closets and 2 sizable baths (one completely reimagined) plus solid knotty alder doors thruout. Main bedroom opens to the back deck. Upgrades in documents. OVERSIZED GARAGE FOR TRUCKS, GOLF CARTS! Ahh listen to the pines!

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13282 W Golden Puma Trail Peoria, AZ 85383

$849,900

4 Beds

3 Baths

2,414 SqFt

Status Active

MLS # 6721607

Property Type Single Family Residence

Price Type --

Spectacular views from every angle of this oversized 9000 sqft elevated lot located in a cut-de-sac. Stunning 22' David Weekly single story home featuring 4 bed 3 full baths open floorplan 12' ceilings in Living room & Kitchen private en-suite open bonus room natural lighting throughout. Chef's kitchen is designed w/ stainless appliances, oversized cabinets, granite w/ a large island. Well designed & spacious master-suite offers a super sized walk-in shower, dual shower heads, dual sinks + oversized walk-in closet. Breathtaking outdoors whether you are out back or enjoying your views of the valley from the private courtyard. 360' views from this unique lot in the Northpointe Community. State of the art community center offers many amenities to incl. pool, playground + more.

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29224 N 146th Street Scottsdale, AZ 85262

$849,900

4 Beds

2 Baths

2,389 SqFt

Status Active

MLS # 6730322

Property Type Single Family Residence

Price Type --

PRIDE OF OWNERSHIP! Immaculate & peaceful North Scottsdale horse property w/ tons of natural light on 1.25 acres w/ pool, incredible mountain views & high producing shared well. This nearly 2400 sq ft home features an open floor plan w/ 4 bedrooms, 2 upgraded baths, plantation shutters throughout, stone gas fireplace, gourmet kitchen w/ granite countertops, stainless steel appliances & kitchen island, large master bedroom w/ beautifully upgraded master bath including tiled shower, soaking tub & dual vanities, highly upgraded second bath w/ tile shower and tub & large secondary bedroom w/ dual closets. Exterior features include large garage with plenty of storage, covered front patio and extended covered back patio, pool w/ incredible views and horse set up including riding arena & stall

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2522 W Brisa Drive Phoenix, AZ 85085

$849,900

5 Beds

3.5 Baths

3,536 SqFt

Status Active

MLS # 6738844

Property Type Single Family Residence

Price Type --

This stunning 5-bedroom, 3.5-bath home with a recent price reduction is a rare opportunity! Situated on the largest lot in the subdivision, it provides exceptional value, size, and functionality, perfect for family living and entertaining. The home features easy access to I-17 and the 303 corridor. The spacious primary suite is located downstairs and includes dual walk-in closets, a large shower, garden tub, and separate vanities. For remote work, there's a dedicated office complete with quartz countertops and built-in cabinets. Comes with a washer & dryer upstairs and an additional hook-up in the garage for added convenience. Outdoors, enjoy a low-maintenance pool with water features and smartphone controls, alongside a vast entertainer's backyard with a covered patio and ample room for gatherings. A 70-foot concrete utility pad with gated access provides extra parking for a boat, UTV or utility trailer. The 12KW owned solar system ensures low utility bills, complemented by a whole-house humidifier, water softener, and reverse osmosis system. Don't miss the chance to make this beautiful home yours!

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16611 S 9th Street Phoenix, AZ 85048

$849,900

3 Beds

3 Baths

1,969 SqFt

Status Active

MLS # 6749591

Property Type Single Family Residence

Price Type --

This stunning Model Home in Ahwatukee's newest gated community of Palma Brisa awaits new owners! With every added detail and upgrade you will love the design and layout of this bright, open home. This beautiful 3 bed, 3 bath home has top of the line stainless steel appliances, a large island and living room, custom finishes throughout with a split floor plan and a convertible space to add an office or bonus room. With quick freeway access this property sits just 15 minutes from Sky Harbor Airport, Phoenix Premium Outlet Mall, Wild Horse Pass Hotel & Casino, Chandler Village, and so much more. With nearby hiking trails and bike paths and close proximity to both Foothills Golf Club & Whirlwind Golf Club you will love the lifestyle this home provides!

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4055 Miners Spring Way Wickenburg, AZ 85390

$849,900

3 Beds

2.5 Baths

2,365 SqFt

Status Active

MLS # 6753327

Property Type Single Family Residence

Price Type --

Experience desert living at its finest in this exquisite 3-bedroom, 2.5-bath home with a 3-car garage, nestled in the serene oasis of Wickenburg. The stunning curb appeal is enhanced by brand new landscaping, welcoming you into a home that is a true canvas for your dreams. Situated on a spacious 1/2 acre lot, there's ample room to add an RV garage, pool, or even a casita. The outdoor kitchen is perfect for entertaining as you enjoy breathtaking sunsets and mountain views. Inside, the kitchen is a chef's delight with satin-finished granite countertops, soft-close cabinets and drawers, a gourmet cooktop, and a chimney hood. Additional features include an owned security system and a water softening system. As a resident of Wickenburg Ranch, you'll also enjoy access to a wide range of resort- style amenities including clubhouse, 2 golf courses, 3 restaurants, 14 miles of paths and trails, fishing, salon and classrooms. Property backs to land preserve owned by Wickenburg Ranch. Another plus! Sellers have paid for exterior painting to be completed in November and landscaping has been pre-paid through December 2024. Don't miss out on this incredible opportunity!

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5650 S Feliz -- Mesa, AZ 85212

$849,900

5 Beds

3.5 Baths

3,040 SqFt

Status Active

MLS # 6757009

Property Type Single Family Residence

Price Type --

Welcome home! This stunning Toll Brothers home nestled in the desirable Cadence master-planned community. This exquisite property sits on a premium lot directly across from a park and offers five spacious bedrooms, a versatile den, a loft, and 3.5 bathrooms. Step inside to find high ceilings, elegant LPV flooring, and designer touches throughout. The open-concept great room seamlessly connects to the dining area and covered patio through retractable glass doors, creating a perfect setting for indoor-outdoor entertaining. The gourmet kitchen features beautiful cabinetry, high-end appliances, quartz countertops, and gas cooking. Enjoy resort-style living with access to Cadence's impressive amenities, including a pool, fitness center, clubhouse, sports courts, playgrounds and a resort pool.

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5508 N 83rd Drive Glendale, AZ 85305

$849,900

4 Beds

3 Baths

4,253 SqFt

Status Active

MLS # 6761122

Property Type Single Family Residence

Price Type --

Find your peace in the center of the action in Glendale, AZ! This stunning 4-bedroom, 3-bathroom residence spans over 4,253 sq. ft. on an expansive 18,350 sq. ft. lot, within the security of a cul-de-sac. The exterior has it all! Enjoy the private courtyard off the main entrance, a sparkling pool, and tranquil koi pond. Entertain with the built in grill, fire pit, and massive backyard. Then move inside to the Great Room with an oversized kitchen island, granite countertops, gas cooktop, and plenty of room for seating. For movie lovers, the dedicated home theater comes complete with a Klipsch surround sound system and projector, offering an immersive cinematic experience. The spacious primary suite includes a private balcony, en-suite bathroom, and 2 walk-in closets. This large, unique home also comes with a central vacuum to make everyday maintenance a breeze. Located near parks, shopping, and dining, this home perfectly combines luxury, comfort, and convenience - truly an oasis waiting for you!

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319 E Forest Hills Drive Phoenix, AZ 85022

$849,900

4 Beds

2.5 Baths

2,600 SqFt

Status Active Under Contract

MLS # 6763602

Property Type Single Family Residence

Price Type --

Nestled down the street from Moon Valley Country Club, this home's exclusive location offers prime access to shopping, dining, and entertainment. Own with confidence as the hard work has been done and the home has been beautifully maintained and updated with modern finishes throughout. Extensive upgrading between 2018 and 2022 includes (but is not limited to): new roof; wood tile flooring; full kitchen remodel; master bathroom renovation; new exterior paint; California cabinets in master closet; expanded laundry room; new Tuff shed; and complete pool renovation with resurfaced decking, new pebbletec and new equipment! Last but not least, the nearly 15,000 sq ft lot provides ample space for outdoor living and features a garage, 26 foot RV pad/gate and privacy for your own desert sanctuary!

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20489 S 199th Place Queen Creek, AZ 85142

$849,900

4 Beds

2.5 Baths

3,250 SqFt

Status Active

MLS # 6755928

Property Type Single Family Residence

Price Type --

Welcome Home to the Gated Community of Cielo Noche in Queen Creek, Beautiful 4 Bedroom, 2.5 Bath Plus an Office & Bonus Room, Large Corner Lot, Kitchen Area w/ Large Island, Granite Counters, New Wolf Gas Cooktop, Double Ovens, New 4 Door Refrigerator, New Dishwasher, New Microwave, Large Primary Bedroom, Primary Bath w/ Tiled Walk-in Shower, Garden Tub & 2 Walk-In Closets, NEW Pergo Flooring in Bedrooms, NEW Tiled Guest Bathroom Shower, Laundry Room w/ Sink, 3 Car Tandem Garage w/ Mini-Split HVAC System ($10K) & Ceiling Storage Racks, Tesla Powerwall Unit and OWNED Solar System ($37K), EV Charging Station, NEW North Side Dual Zone HVAC SYSTEM (2022), FRESHLY Painted Exterior , Large Backyard Space w/ Heated Pool & Spa and Extended Patio Area that is Great for Entertaining.

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7295 E El Caminito Drive Scottsdale, AZ 85258

Open House

$849,900

3 Beds

2.5 Baths

2,741 SqFt

Status Active

MLS # 6769578

Property Type Single Family Residence

Price Type --

Nestled in a prime Scottsdale location, this elegant home is just minutes from upscale dining, boutique shopping, and golf, all within a serene neighborhood. The living area features soaring beamed vaulted ceilings & a chic three-way gas fireplace, complemented by elegant farmhouse chandeliers. The chef's kitchen is adorned w/ a five-burner gas cooktop, stainless steel appliances, a walk-in pantry, & beautiful granite countertops. The master suite offers a spacious walk-in closet & a spa-like free-standing soaking tub. Enjoy your private backyard oasis, w/ newer modern landscaping, an aluminum patio cover and heated pool & spa. With dedicated fiber optic internet, this home perfectly balances elegance and modern convenience. Don't miss the chance to own your own Scottsdale sanctuary!

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2921 W Castle Pines Drive Williams, AZ 86046

Open House

$849,900

3 Beds

2 Baths

1,969 SqFt

Status Active

MLS # 6779931

Property Type Single Family Residence

Price Type --

Luxuriously-updated home in the desirable Highland Meadows neighborhood. This 3 bedroom, 2 bathroom home features 1,969 square feet of living space on nearly half an acre. With a 3-car attached garage - updated with epoxy floors and custom storage cabinetry - and an additional detached 20' x 24' 2-car garage/workshop - also with updated epoxy floors - there's plenty of room for cars, toys, and hobbies. The interior updates include a new primary bathroom shower and vanity, primary bedroom closet organizer, top-end kitchen appliances, a new water heater and A/C, freshly painted walls and interior door staining, and elegantly-painted white kitchen/dining room cabinets. Outside, beautiful front and rear landscaping offer relaxing evenings under the stars. Come see this home before too late!

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