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

26610 S 196th Street Queen Creek, AZ 85142

$849,000

4 Beds

2 Baths

2,111 SqFt

Status Active

MLS # 6766158

Property Type Single Family Residence

Price Type --

Motivated Seller, Paved Road, New Roof, Fresh Ext & Int Paint, New carpet, New SS Appliances, Bonus/Rec Rm. Vaulted ceilings, Granite counters, 42'' Oak Cabinets, Tile, Custom Baths, Jetted tub, all interior walls spray cellulose insulated between walls for sound, Dual pane low E Windows, attic insulation Avg-R40+, Large Carport-Rare! LARGE front and rear Patios, Large POOL, new sand filter, Feature, and Spa Jets, Pool side detached patio, Detached insulated Shop with concrete patios front and back! 2 Bay Doors and 4'-man door, Shop has evaporative Cooler, separate Sub panel, wired throughout, horse arena with shade cover/ covered hay/feed area. Detached office with AC & sub pan. Home was completely remodeled in 2006 and meticulously upgraded and cared for by same owners for 24 years.

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3230 N Meadow Brook Drive Flagstaff, AZ 86004

$849,000

4 Beds

2.5 Baths

2,411 SqFt

Status Active

MLS # 6775726

Property Type Single Family Residence

Price Type --

Enjoy Blue Skies and Beautiful Mountain Views While Relaxing Upon Your Back Deck Over Looking the 6th Tee Box of the Continental Country Club Golf Course. This Spacious 4 Bedroom 2.5 Bath Plus Oversized Bonus / Recreation Room is Tucked Away at the End of a Cul-de-Sac yet Minutes from Downtown and Shopping. The 2 Separate Living Spaces Allows Everyone to Stretch Out and Enjoy Their Very Own Piece of Paradise. New Furnace, New Water Heater, New Electrical Panel, New Main Sewer Line, New Garage Door Openers, New Window Coverings, All from 2022, Newer Roof from 2017 and Fresh Paint Makes this Home Absolutely Move-In Ready! Sale of this Property to be Contingent Upon on Sellers Buying a Suitable Replacement.

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1700 E Lakeside Drive Unit 1 Gilbert, AZ 85234

$849,000

3 Beds

3 Baths

2,836 SqFt

Status Active Under Contract

MLS # 6715055

Property Type Townhouse

Price Type --

On the water!! Love this water view of Val Vista Lakes from this terrific townhome in highly desired Breckenridge Bay!! Enter this sensational view property & gaze through the wall of glass windows/doors in the great room onto your backyard & lakes!! Soaring high ceilings in the great room & entry make this home just an incredible treat! Kitchen has a super nook area with same views of this blue fabulous Val Vista Lake scene! Primary bedroom is huge and enjoys the same wonderful views of Val Vista Lake! Primary bathroom features double vanities, sep. shower & tub, & a water closet. Additionally, the primary suite has a huge sep. walk in closet! 2nd bedroom (ensuite) is huge with a large bathroom & walk in closet! 3rd bedroom is large (downstairs) & large bathroom close by. Location, location, location---but could use some updating--for a new fresh on-trend look!! Make it just what you want!!

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16002 E El Lago Boulevard Fountain Hills, AZ 85268

Open House

$849,000

4 Beds

3 Baths

2,383 SqFt

Status Active

MLS # 6704288

Property Type Single Family Residence

Price Type --

If views are what you are looking for, then you don't want to miss this private home in Fountain Hills! With 2383 square feet of generous living space, the thoughtful floor plan of this home encompasses 4 spacious bedrooms and 3 baths, of which 1 bedroom and bath is in the attached casita. Enter the front door through a quaint front courtyard and be welcomed with a lovely living room with vaulted ceilings that fills the space with light and air. Appreciate a dining room that flows into the kitchen that will delight any chef, showcasing granite countertops and lots of stunning cabinetry. Relax on the private, extended patio with a marvelous fireplace and delight in panoramic mountain views that include views of Four Peaks. The primary suite affords a private sanctuary with walk-in... of Four Peaks. The primary suite affords a private sanctuary with walk-in closet, ensuite bath, shower and dual sink vanity. An abundance of bedrooms affords lots of room for work, play and rest for everyone! An RV gate with parking and a 2-car garage make this one you don't want to miss. Don't miss your opportunity to make this gem your own!

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229 E Chelsea Lane Gilbert, AZ 85295

Open House

$849,000

5 Beds

3 Baths

3,593 SqFt

Status Active

MLS # 6773304

Property Type Single Family Residence

Price Type --

Amazing Home With Highly Upgraded Wood Flooring And Custom Wood Circular Staircase And Railings. Large Formal Dining Room And Open Living Room With Plenty of Room For Pool Table And Entertaining. Kitchen Features Granite Topped Island And Upgraded Cabinets, Induction Cooktop, Double Stainless Ovens ,Stainless Refrigerator, All Surrounded With Granite And Glass Tile Backsplash. Large Family Room And Office Bedroom And Bathroom Complete The First Level. Upstairs Has A Huge Open Loft, And Four Additional Bedrooms With Two Full Bathrooms Including A Huge Primary Bedroom And Bathroom With Separate Tub And Shower And Walk In Closet. Large Private Yard With Covered Patio Play Pool And Huge Grass Area With Ten Foot RV Gate. Three Car Garage, Community Parks And Play Areas. Great Area And Home.

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1667 N Circle Drive Tempe, AZ 85288

Open House

$849,000

2 Beds

2.5 Baths

1,845 SqFt

Status Active

MLS # 6776306

Property Type Single Family Residence

Price Type --

This exceptional home has literally been transformed from the ground up and is essentially a brand new home! Completely taken down to the studs, every component has been updated and replaced, including all new plumbing and electrical, wall and attic insulation, roof with new sheathing, windows, doors, and drywall. Even the pool has been fully remodeled, featuring new pebble tec, tile, cool decking, and brand new variable speed equipment. Inside, you'll find beautiful designer finishes and luxurious upgrades throughout, with eye catching bathrooms, porcelain wood-look tile, shaker style cabinets with crown molding, gorgeous quart counters and GE appliances. Additional features include a newly installed paver driveway, spacious 2-car garage, convenient indoor laundry, and fresh landscaping This remodel was meticulously designed by an architect, fully permitted, and completed by licensed contractors. Ideal as a primary residence or a fabulous short-term rental opportunity. This beautiful new home is a must see!

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1509 W Kiowa Avenue Mesa, AZ 85202

Open House

$849,000

4 Beds

3 Baths

2,750 SqFt

Status Active

MLS # 6762417

Property Type Single Family Residence

Price Type --

Step into this beautifully remodeled home where every detail is designed for luxury and entertainment. This corner lot home has only one neighbor and is everything but ordinary! The HIGHLY desirable Dobson Ranch community is a picturesque, master-planned community built around scenic lakes and filled with top-notch amenities: multiple pools, tennis courts, parks, and walking trails, along with an 18-hole golf course- which is VIEWABLE from this homes very back yard!! The MAIN house boasts 3 spacious bedrooms and 2 modern bathrooms, while the attached, private 1-bedroom, 1-bathroom CASITA offers the perfect retreat for guests or family. Entire home is porcelain and travertine tile, no carpet. CASITA is a completely self containing home on its own with 1 ton wall unit for heating/cooling, washer/dryer, bidet and even RO just like main house. Your primary suite has it's OWN additional room to use as an office, workout or lounging space. En Suite bathroom has modern upgrades, dual sinks and walk in shower. Your chef's kitchen is the heart of the home, featuring stainless appliances-including not 1, but 2 FULL-SIZE refrigerators! Yes,you read that right...2! An apron-style under-mount sink with upgrades like a glass rinser, RO, a sleek low-profile hood, built-in microwave at an accessible height, and an abundance of soft-close cabinets. The stunning counters, Delta Terra QUARTZ **book-matched for symmetry and flow** featuring 3 waterfall edges-- true conversation starter!! Adjacent to the kitchen, the matching wet bar elevates the space with a pull-down faucet, reverse osmosis system, on demand hot water, dual fridges, and an ice maker, all perfectly placed around a cozy wood burning dual sided fireplace. Your open floor plan has breathtaking vaulted ceilings and overlooks the backyard from every window. Outside, the entertainer's dream continues with an expansive backyard, a large diving pool, mature hedges and ample space for gatherings or future backyard projects. This home is the perfect blend of modern style and functionality, and is situated on a golf course corner lot... Curious yet? Come check it out in person, you won't want to leave!

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22810 N 94th Lane Peoria, AZ 85383

Open House

$849,000

4 Beds

3.5 Baths

3,640 SqFt

Status Active

MLS # 6770020

Property Type Single Family Residence

Price Type --

This stunning 4-bedroom, 4-bathroom home is situated on a desirable corner lot with RV PARKING! The floor plan offers an incredible 3,675 sqft of living space, perfect for those who crave both style and function. Interior has high ceilings, smooth tile flooring, and energy-efficient dual-pane low-E windows that bathe the home in natural light. The kitchen features a walk-in pantry, granite countertops, a large island, and both a formal dining area and a cozy breakfast room. The primary suite is conveniently located downstairs with a split layout for added privacy, featuring a double-sink bath and walk-in closet. Upstairs, all bedrooms also include walk-in closets, and a spacious loft offers flexible living space. Outdoor living is just as inviting with a front balcony and a covered back patio that overlooks a large lot and artificial grass. The community enhances your lifestyle with biking and walking paths, a playground, a clubhouse, and a pool. With an RV gate, an air-conditioned 3rd-car garage, and endless possibilities, this home is truly one-of-a-kind!

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1321 N Bronco Court Gilbert, AZ 85233

Open House

$848,000

5 Beds

3 Baths

3,343 SqFt

Status Active

MLS # 6766484

Property Type Single Family Residence

Price Type --

Welcome to your dream home in beautiful Gilbert, Arizona only three miles from downtown! This stunning home, includes 5 large bedroom, 3-bathroom and is a rare find, boasting a unique split-level floor plan with a spacious finished basement, offering both style and functionality. Situated on a private cul-de-sac lot, this property exudes charm and curb appeal from the moment you arrive. Step inside to discover freshly painted interiors, creating a bright and inviting atmosphere throughout. The brand-new plush living room carpet underfoot provides a touch of luxury. The newly remodeled kitchen cabinets add a modern touch, beautifully complementing the open kitchen design where the kitchen is the heart of the home and ideal for the home chef and entertaining guests. For those who value storage and convenience, the garage is equipped with custom cabinets and gleaming epoxy flooring; a perfect space for keeping everything organized and spotless. The backyard is a true oasis! Enjoy the sparkling saltwater pool and relaxing spa, and lush artificial turf for easy maintenance and year-round greenery. This serene retreat offers ample space for gatherings, barbecues, or simply unwinding in your own slice of paradise. Pride of ownership shines throughout this meticulously maintained home. With its prime Gilbert location, top-notch upgrades, and beautiful outdoor living space, this gem won't last long. Don't miss the chance to call this exceptional property your new home! Schedule your showing today!

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3750 E Rochelle Circle Mesa, AZ 85215

$847,799

5 Beds

4.5 Baths

3,100 SqFt

Status Active

MLS # 6726754

Property Type Single Family Residence

Price Type --

Searching for a HUGE YARD a long stately brick paver driveway AND a new build home? Look no further! Awesome location in North Mesa's grove area. Small gated infill community being built by respected local builder Blandford Homes! Updated information: Nice upgrade package added with all Farmhouse style black fixtures, upgraded cabinets but some time left to select flooring colors. Final price will be determined after options and upgrades are selected at the Design Studio. Purchase price includes: an iron front door, 2x6 exterior framing, dual pane vinyl Low E windows, covered front porch and HUGE rear patio and wall of glass, Deepest location in a cul-de-sac. Pictures are of an upgraded model home. Taxes estimated.

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38500 N School House Road Unit 5 Cave Creek, AZ 85331

$847,500

3 Beds

3 Baths

2,113 SqFt

Status Active

MLS # 6752405

Property Type Single Family Residence

Price Type --

Experience resort-style living in the heart of Cave Creek with this stunning 3-bedroom, 3-bathroom home. Perfectly situated within walking distance to the vibrant town center, you'll have easy access to a variety of restaurants, shopping, and entertainment options. This home features an open floor plan with soaring ceilings, granite countertops, tile and carpet flooring, and new appliances. Enjoy the outdoors on your patio with a fireplace, just steps from the community pool. The community is rich with amenities, including a heated pool and spa, BBQ pavilion, fire pit, pickleball court, fitness center, and a dog park. This move-in ready home offers the perfect blend of luxury, convenience, and scenic beauty, making it an ideal retreat in one of Cave Creek's most sought-after locations.

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10829 N 11th Place Phoenix, AZ 85020

$847,000

5 Beds

3 Baths

2,600 SqFt

Status Active

MLS # 6755698

Property Type Single Family Residence

Price Type --

Welcome to El Castillo, an extraordinary residence located on a tranquil street, with breathtaking North Mountain Park views, this meticulously maintained home blends comfort, luxury, and nature. With 2,600 square feet of living space, security monitored 24/7 and surround sound, this home is perfect for families and entertainers alike. This home also boasts five spacious bedrooms and three bathrooms, including a convenient first-floor bedroom and full bath, this home provides flexibility for guests, a home office, or multi-generational living. At the center of this home is a beautifully updated gourmet kitchen (2016), complete with a top-of-the-line Dacor gas range, double ovens, sleek granite countertops, and a spacious walk-in pantry. The open layout effortlessly connects the kitchen to the great room, making it the ideal spot for entertaining or enjoying family time. Upstairs, an expansive loft offers additional room for relaxation or fun. The primary suite is a peaceful haven, boasting dual vanities and a luxurious dual-head shower. Outside, the backyard is a true retreat, with a sparkling pool, spa, and lush landscaping with a brand new irrigation system (2023). All this, framed by stunning mountain views. The recently refreshed exterior and interior paint add to the home's pristine condition, while the firepit provides a cozy ambiance for fall and winter nights. Located near the North Mountain Park hiking trails, this home offers a rare balance between natural beauty and city conveniences with dining, entertainment, major highways, shopping and Scottsdale or Sky Harbor Airports only minutes away. Plan your tour of El Castillo Today!

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