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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17197 W Thousand Oaks Street Surprise, AZ 85388

New

$849,000

2 Beds

2.5 Baths

2,444 SqFt

Status Active

MLS # 6784776

Property Type Single Family Residence

Price Type --

This ''Davidson'' model has it all: Oversized covered patio, interior atrium, corner lot, North-South exposure, sunsets, and PEEKABOO mountain views! The open-concept kitchen flows effortlessly into the great room and dining room, making this floor plan ideal for entertaining. The split floor plan offers a second bedroom with privacy and an en suite bathroom. The home is located next to a greenway and getting in and out of the neighborhood is effortless.

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16097 W Vernon Avenue Goodyear, AZ 85395

$849,000

4 Beds

3.5 Baths

3,634 SqFt

Status Active

MLS # 6688486

Property Type Single Family Residence

Price Type --

ONE OF A KIND & OWNED SOLAR!!! ($80,000) Zero to very low APS bills! Located in one of Palm Valley's most desired gated communities! 16,000+ ft lot w/ no neighbors behind! 4 HUGE bedrooms, den & bonus room! Spacious gourmet kitchen w/ a massive island, quartz counters, stainless appliances including wall ovens, wine fridge & custom tile backsplash! Huge master suite features dual sink vanities, custom shelving in walk-in closet, snail shower & oversized garden tub. Custom iron/glass front door. Plantation shutters. Highly upgraded light fixtures & ceiling fans. 20 inch tile in traffic areas. Water softener & home water filtration system. Surround sound inside & out. 8 ft doors/10 ft ceilings. Resort-style backyard w/ sparkling pool, water feature & hot tub, built-in BBQ, firepit.... and extended pavered patio. Additional upgrades include a French door exit to the patio, stylish entertainment center with stone accents, walk-in closet in guest rooms, oil rubbed bronze hardware, gorilla racks in garage for additional storage and much more!

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1113 N Scenic Drive Payson, AZ 85541

$849,000

3 Beds

2.5 Baths

2,638 SqFt

Status Active

MLS # 6707457

Property Type Single Family Residence

Price Type --

Welcome to a haven of luxury and nature in the prestigious, privately gated Chaparral Pines Golf Community. This custom home offers unparalleled living with picturesque mountain views right off the expansive front deck, where you can unwind and watch the sunset paint the sky each evening. The home features floor-to-ceiling windows that perfectly frame the stunning mountain vistas, ensuring you never miss a moment of the breathtaking scenery. Your backyard is a true natural paradise, backing directly onto the Tonto National Forest. Here, you'll enjoy direct access to forest trails and the opportunity to observe diverse wildlife in their natural habitat. The main level is expertly designed for both entertaining and everyday living. It features the primary bedroom and a convenient half bath, creating an ideal layout for effortless living. The spacious front deck is perfect for hosting gatherings or simply soaking in the stunning vistas. The home's split-plan layout ensures privacy and comfort with a separate downstairs area that includes a welcoming family room, two additional bedrooms, and a full bath. Guests or family members will appreciate their own private walk-out covered patio, offering a peaceful retreat amidst nature. Chaparral Pines is more than a community; it's a lifestyle. Indulge in an array of exclusive amenities, including a championship golf course, a luxurious clubhouse, a fitness center, a sparkling swimming pool, dog park and much more. As a resident, you'll also have access to the world-class amenities at The Rim Club, providing even more options for recreation and relaxation. Whether you're golfing in the cool summer months, engaging in winter activities, or simply enjoying the year-round beauty of this exquisite location, your new home at Chaparral Pines offers the ultimate in luxury and leisure.

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28995 N Royce Road Queen Creek, AZ 85144

$849,000

3 Beds

2 Baths

1,828 SqFt

Status Active

MLS # 6708255

Property Type Single Family Residence

Price Type --

Rare 5-acre horse property with unbelievable San Tan Mountain views! No HOA! Beautiful Ranch home with stone exterior and circular drive. Large arena, tack room and corrals! New kitchen cabinets and quartz counter tops being installed. New matching kitchen appliances. Master bedroom with double sinks, separate bathtub and walk in shower and walk in closet. Gated pool with new water pump and sweeper. Front and back covered patio to watch those AZ sunrises and sunsets! Come check out this one-of-a-kind property!

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4918 S Forest Avenue Gilbert, AZ 85298

$849,000

4 Beds

3.5 Baths

3,670 SqFt

Status Active

MLS # 6720413

Property Type Single Family Residence

Price Type --

Indulge in luxury living w/ this 2014 build, energy-efficient home, available for immediate move-in! Enjoy the perfect blend of space & coziness, ideal for both entertaining & relaxing. The open great room & eat-in kitchen, featuring a breakfast bar island w/ granite counters, stainless appliances w/ new stove/oven, are perfect for gatherings. Host holiday dinners in the formal dining room & unwind in the spacious game room. Retreat to the master suite w/ dual vanities, a large soaking tub, & a large walk-in closet. Split 3 car garage offers versatile storage options, while the resort-style backyard boasts a private pool, paver patio & low maintenance yard w/ artificial grass. This rare model has an extended second loft space for family fun. All carpet was just replaced w/ plush padding.

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3130 S Valle Verde Circle Mesa, AZ 85212

$849,000

5 Beds

3 Baths

3,113 SqFt

Status Active

MLS # 6729994

Property Type Single Family Residence

Price Type --

Wow! Unparalleled beauty & extraordinary craftsmanship are shown in this contemporary masterpiece. This cul-de-sac property boasts a 3-car garage, RV gate, fresh exterior paint & a welcoming front porch. As you enter, you'll be in awe by the sleek & modern design this gem showcases! Wood-look tile & vinyl flooring, upscale ceiling fans, chic light fixtures & windows galore enhance the overall ambiance. Discover a bright living room, sizable bonus room/ den with double doors & a desirable great room complemented by a fireplace, pre-wired surround sound & wine coolers. The chef's kitchen won't disappoint, with stainless steel appliances such as wall ovens & cooktop gas, a plethora of shaker cabinetry, quartz counters, an oversized center island with a breakfast bar & subway tile backsplash. The impressive owner's retreat highlights a private balcony, sitting room, fireplace, and an elegant ensuite comprised of dual sinks, garden tub, rain shower head, and a walk-in closet. Continue outside to the stunning backyard, which provides a covered patio and fenced sparkling pool with rock waterfall. This gorgeous home is sure to delight!

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16238 S 4th Street Phoenix, AZ 85048

$849,000

4 Beds

2.5 Baths

2,712 SqFt

Status Active

MLS # 6738150

Property Type Single Family Residence

Price Type --

Welcome to your dream home! This spacious single-family residence boasts 4 bedrooms and 2.5 bathrooms is waiting for you! Soaring 12' ceilings throughout give the home a feel of openness that provides a sense of luxury and comfort. The thoughtfully designed floor plan includes a split primary suite, offering privacy and tranquility away from the other bedrooms. The primary suite features ample space, and a spa-like bathroom, creating a perfect retreat. Step outside to discover a gorgeous backyard set against a stunning mountain backdrop. Whether you're hosting gatherings, enjoying a quiet morning coffee, or simply soaking in the serene views, this outdoor space is sure to become your favorite spot. Don't miss the opportunity to make this beautiful house your home.

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7725 E Portland Street Scottsdale, AZ 85257

$849,000

5 Beds

3 Baths

2,910 SqFt

Status Active

MLS # 6741279

Property Type Single Family Residence

Price Type --

Experience the epitome of comfort and functionality in this true 5-bedroom, 3-bathroom home with new roof, paint, AC and pool and boasting a spacious remodeled kitchen that is perfect for culinary enthusiasts. Situated on a tranquil cul-de-sac, the property features a pool for refreshing dips and two separate air-conditioned buildings that can serve as offices, studios, or serene yoga spaces. Enjoy ultimate privacy with a backyard that overlooks a peaceful greenbelt park with direct access, ideal for cozy evenings around the fire pit after a swim. Wired for security and equipped with cutting-edge technology, this home offers an open floor plan that exudes brightness and airiness throughout. Discover your new oasis today!

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1209 N Earhart Parkway Payson, AZ 85541

$849,000

3 Beds

3 Baths

2,128 SqFt

Status Active

MLS # 6743861

Property Type Single Family Residence

Price Type --

Stunning home in the Mazatzal Mountain Airpark that backs The National Forest! This 3 bedroom, 3 bathroom home features 2,125 sq. ft., a split floor plan, a 3 car garage and great views of the Mazatzal Mountains. The living room has vaulted ceilings, wood floors, and a gas fireplace with beautiful floor to ceiling stonework. The kitchen has granite counter tops, a breakfast bar, island, stainless steel appliances and a pantry. The spacious master suite features a walk-in closet, double sinks, and a large walk-in shower. Off the garage is the first workshop with a bathroom and a large storage room. The second workshop is in the backyard and has a garage door for easy access while working on projects. You'll love the beautifully landscaped backyard with a water feature and a huge, covered patio with piped propane, perfect for barbequing and enjoying nature with the National Forest right at your backyard.

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22034 N 28th Place Phoenix, AZ 85050

$849,000

4 Beds

2.5 Baths

2,492 SqFt

Status Active

MLS # 6749335

Property Type Single Family Residence

Price Type --

Welcome to Sky Crossing, a vibrant community surrounded by great dining and shopping options. This modern two-story home offers 4 bedrooms (w/ 2 bonus rooms), 2.5 baths, and thoughtful design throughout. The spacious family room flows seamlessly into the kitchen and dining areas, perfect for entertaining. A versatile den on the main floor makes for an ideal home office or guest room. The primary bedroom is a luxurious retreat with a stunning En Suite bathroom and a custom walk-in closet. The home features carpet, fresh paint, designer wallpaper, and stylish light fixtures that add warmth and elegance. Step outside to your private backyard oasis with low-maintenance turf and an extended paver patio, perfect for gatherings. Living in Sky Crossing means enjoying top-notch amenities, including a community pool, spa, splash pad, fitness center, and basketball courts. The event lawn is perfect for hosting picnics and barbecues with friends and neighbors. Sky Crossing is more than a place to live; it's a place to thrive.

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640 Cosmos Way Prescott, AZ 86303

$849,000

4 Beds

3.5 Baths

3,533 SqFt

Status Active

MLS # 6763003

Property Type Single Family Residence

Price Type --

Location is everything! Discover tranquility in this mountain-view home within close proximity to downtown Prescott, offering stunning vistas of Thumb Butte & Hassayampa golf course. Step out onto the Trex decking, enjoying nearly 300 ft of golf course frontage without the HOA fees. Experience single-level living with 2 bedrooms and 2.5 baths on main level, plus a finished lower level featuring additional 2 bedrooms, 1 bath, infrared sauna, home theater, and game room. This home is ideal for extended family living! Spacious, pie-shaped lot spectacular views and unmatched privacy. Roof is only 10 years old (appx), new a/c condenser and hvac equipment. For financing flexibility owner may carry with a substantial downpayment. The conditioned Arizona room on the main level expands your views and living space. forget to view the features list for a list of upgrades and amenities in the home. Indulge in turn-key convenience by purchasing the home fully furnished with most artwork. This residence seamlessly blends modern amenities, breathtaking views, and versatile living options.

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2229 N Beverly Place Buckeye, AZ 85396

$849,000

4 Beds

2.5 Baths

3,052 SqFt

Status Active

MLS # 6765530

Property Type Single Family Residence

Price Type --

Beautifully Maintained 4 bedroom 2.5 bath Ranch Style Home with PAID SOLAR in the Master Planned Community of Verrado! Located in a Cul-De-Sac Across From A Serene Park. The Home Features Tile Throughout the Main Areas with Carpet in the Bedrooms. Spacious Eat-in Kitchen Features Walk In Pantry, Granite Countertops, Tile Backsplash, Double Wall Ovens, Gas Cooktop & a Large Island with Breakfast Bar. Split Floor Plan -Primary Suite Features Dual Separate Sinks, Separate Tub and Shower and Spacious Walk in Closet. Open Great Room has a Triple Panel Slider Which Leads to Your Backyard Oasis! Sparkling Pool and Newly Installed (2022) Jacuzzi , Built in BBQ and Fire Pit. Backyard Has Professionally Designed Pavers and Turf Along with a View Fence. Verrado is True Resort-style Living! Your HOA Membership Includes a Water Park/ Splash Pad, Community Pool with a Lap Pool and Gym. Public Golf Course, Hiking/Biking Trails and Over 78 Parks to Enjoy. Beautiful Views of the White Tank Mountains and Fabulous Restaurants!

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