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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130 W Sunburst Lane Tempe, AZ 85284

$835,000

3 Beds

3 Baths

2,558 SqFt

Status Active Under Contract

MLS # 6781245

Property Type Single Family Residence

Price Type --

Entertainer's dream in gated Alisanos community. Step into this beautifully upgraded residence where modern luxury meets comfort. The open floor plan welcomes you with natural light and seamless flow from room to room. Incredible curb appeal and a backyard oasis features a top-of-the-line heated saltwater pool installed in 2021 and whole yard LED lighting controlled via your smartphone. Relax under the new pergola with a built-in bar or in the Arizona room with its own fireplace and new split unit. Smart home features include Ecobee thermostats, and a WiFi-enabled irrigation system. The owned solar panels (installed 2022) keep summer bills low. With fresh paint, new flooring, and low-maintenance landscaping, this home is ready for you to move in and start making memories!

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2641 E Bighorn Avenue Phoenix, AZ 85048

$835,000

5 Beds

3 Baths

2,809 SqFt

Status Active Under Contract

MLS # 6764547

Property Type Single Family Residence

Price Type --

Discover this beautifully updated tri-level home in the highly desirable area of the Ahwatukee Foothills, offering 5 bedrooms and 3 bathrooms. The custom-designed kitchen is a chef's dream, with ample cabinet space and endless counter possibilities for all your culinary tools. At the heart of the home is a spacious great room with a custom fireplace, perfect for gatherings. The extra-large primary bedroom boasts a cozy reading nook and a newly updated bathroom. Outdoors, the backyard is an entertainer's paradise, featuring a built-in BBQ area, covered patio, sparkling pool, and putting green. With stunning mountain views and easy access to schools, dining, and entertainment, this home is truly the perfect place to make your own. Over $200,000 has been put into the home. 2024 - 5th bedroom added, Flooring in lower level, Interior paint (whole house). 2018 - House re-plumbed, Windows, Floors, Carpet, Full Kitchen remodel, Cabinets throughout (kitchen, bathroom, laundry, garage, primary bed), Bathrooms, Sinks in kitchen & bathroom, Built-in BBQ, Pool refinished, Plantation shutters throughout.

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7157 E Rancho Vista Drive Unit 2010 Scottsdale, AZ 85251

$835,000

2 Beds

2 Baths

1,346 SqFt

Status Active

MLS # 6661401

Property Type Apartment

Price Type --

*SELLER FINANCING AVAILABLE IN THE LOW 5'S * This luxury, completely remodeled 2 bedroom condo with modern finishes is a stunning residence that exudes sophistication and style. Every detail of this condo has been meticulously designed to create a luxurious living experience. Large windows allow for an abundance of natural light to flood the room, creating a bright and airy atmosphere. The kitchen is a chef's dream and the countertops are made of exquisite quartz, providing both durability and a sleek aesthetic. The dining area is situated adjacent to the kitchen and is perfect for hosting intimate dinner parties or enjoying meals with family and friends. A modern chandelier hangs above the dining table, casting a warm and inviting glow. The master bedroom is a luxurious retreat, featuring a spacious layout and plush carpeting. It offers a serene atmosphere, allowing you to relax and unwind after a long day. The en-suite bathroom is a sanctuary of relaxation, featuring a spa-like shower with rainfall showerheads, a sleek vanity with modern fixtures, and beautiful porcelain tiles. The second bedroom is equally impressive, with its own spacious layout and ample closet space. It can serve as a guest room, home office, or a comfortable space for family members. Additional features of this remodeled condo include in-unit laundry facilities, central air conditioning, and ample storage throughout the space. Amenities include concierge, indoor & outdoor heated pool and spa with women and men's locker room, fitness center, racquetball & basketball court. Walking distance from Scottsdale Fashion Square Mall, Old Town, restaurants, and so much more!

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4905 W Magellan Drive New River, AZ 85087

$835,000

4 Beds

2.5 Baths

3,337 SqFt

Status Active

MLS # 6684902

Property Type Single Family Residence

Price Type --

Beautiful Home in Arroyo Grande Subdivision with 4 Bedroom, 2.5 Bath + Office/Den, 3 car garage in North Phoenix. Home has 3337 s/f split bedroom floor plan, computer/study area by secondary bedrooms. Kitchen has contemporary white cabinets, double ovens, large island, and granite counter tops. Home sits on a corner 14,000+ s/f lot with RV Gate that allows RV and Boat parking with RV hook up and located in a cul-de-sac. Backyard backs to the desert with view fencing, a dog run, concrete pad for basketball court, large grassy area and RV parking for your toys.

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26521 N 115th Street Scottsdale, AZ 85255

$835,000

2 Beds

2 Baths

1,625 SqFt

Status Active

MLS # 6694284

Property Type Single Family Residence

Price Type --

Private lot with boulder and mountain views on a quiet street in the Troon Area of Scottsdale. The home features two bedrooms, two baths, great room, kitchen and breakfast dining, office, laundry and a two car garage with built-in storage cabinets. The private backyard has a pebbletec pool and covered patio with no homes behind to block your views. Desert Views is a small quiet community with access to hiking and biking trails and very little traffic. The home is extremely well maintained and lightly lived in which provides the new owner to move in and enjoy the Arizona lifestyle.

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5145 E Pinchot Avenue Phoenix, AZ 85018

$835,000

4 Beds

3 Baths

1,962 SqFt

Status Active

MLS # 6696424

Property Type Single Family Residence

Price Type --

Welcome to your dream home in the heart of Phoenix with stunning Camelback Mountain views! This exquisite residence boasts custom features at every turn, from the elegant marble and travertine entry to the luxurious Thomasville Cherry cabinets in the gourmet kitchen. Picture yourself relaxing by the custom gas fireplace or enjoying the serene Koi pond in your private backyard oasis with a built-in grill and patio bar, perfect for entertaining guests. With two master bedrooms, including a lavish travertine bathroom, and dual-pane windows throughout, this home offers both comfort and style. Don't miss the chance to make this your own retreat near Arcadia, Biltmore, Scottsdale, and downtown Phoenix!

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11051 N 45th Place Phoenix, AZ 85028

$835,000

3 Beds

2 Baths

2,285 SqFt

Status Active

MLS # 6770549

Property Type Single Family Residence

Price Type --

Welcome to your dream home in the vibrant Desert Gardens community! This spacious 3-bedroom, 2.5-bath residence offers a perfect blend of comfort & convenience. Step inside to discover an inviting layout featuring updated windows and flooring throughout. The heart of the home boasts an open living area that flows seamlessly into a well-appointed kitchen, perfect for entertaining family and friends. The expansive backyard is a true oasis, featuring lush grass, ideal for play and relaxation, plus a private pool for those warm Arizona days and extra storage sheds. Enjoy outdoor gatherings or serene evenings under the stars! As part of a welcoming HOA, residents have access to beautiful green spaces, tennis, pickleball, and basketball courts, fostering a strong sense of community and active lifestyle. Located just minutes away from popular spots like OHSO, Whole Foods, Trader Joe's, Sprouts, Fry's, Aldi, PetSmart, Target, Walmart, Costco and Stone Creek Golf Course, you'll have all your shopping and dining needs at your fingertips. Plus, with the upcoming revamped Paradise Valley Mall development nearby, exciting new options are on the horizon! Don't miss your chance to own this delightful home in a prime location. Schedule your showing today and experience the best of Desert Gardens living!

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21956 N 59th Lane Glendale, AZ 85310

$835,000

5 Beds

3 Baths

3,066 SqFt

Status Active

MLS # 6749945

Property Type Single Family Residence

Price Type --

Amazing views surround this Arrowhead ranch Golf Course home on the signature 5th hole of legends. Mountain, Golf and Water views from every window. Home has 1 full bedroom and bathroom downstairs. Gourmet kitchen, granite countertops, granite in all the bathrooms. Generously sized bedrooms. Extended covered patio, pebbled-tec play pool, close to shops, dining and Westgate Sports and Entertainment center. New Air condition installed on Sept. 2024

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222 W Pelican Drive Chandler, AZ 85286

$835,000

5 Beds

3 Baths

3,557 SqFt

Status Active

MLS # 6752875

Property Type Single Family Residence

Price Type --

Newly renovated 2-story home in Arden Park community, with 6 bedrooms,3 full bathrooms, loft/office upstairs, and three car garage. New title at the first floor and new carpet on the second floor. New painting, new cabinet and countertop for kitchen and all the bathrooms. New lighting in the kitchen. Easy access to shopping, meals, entertainment, and top-rated schools. Easy access to the 202, school meals, and entertainment. The owner is an active real estate agent in the state of Arizona.

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11641 N 23rd Street Phoenix, AZ 85028

$835,000

5 Beds

2 Baths

2,667 SqFt

Status Active

MLS # 6763639

Property Type Single Family Residence

Price Type --

The Epitome of Class, Comfort and Functionality is the heart of this HOME. This home has floor plan functionality that you are going to LOVE! It can be enjoyed as a 3 bedroom plus giant workout/theatre room plus den/office, 4 bedroom plus den/office or 5 bedroom if you need that. This one checks all the boxes...open layout, large kitchen, SPARKLING REMODELED POOL, 2 car garage with additional storage, resort like backyard with putting green, stunning mountain views, turn key enjoyment, easy frwy access, 15 mins to Sky Harbor International Airport, 4mi to Paradise Valley Mall and so much more. Some of the valley's best recreation are nearby including hiking (Phoenix Mountain Preserve), mountain biking, amazing fitness studios, golf (Pointe Golf Club On Lookout Mountain) and pickle ball.

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15303 E Rio Verde Drive Scottsdale, AZ 85262

$835,000

5 Beds

3.5 Baths

4,604 SqFt

Status Active

MLS # 6681236

Property Type Single Family Residence

Price Type --

Move in ready rare ranch style home WITH a full basement! The full acre of land has no HOA and includes a separate 1000 sqft workshop with its own electrical panel, and plenty of room for a pool and horse stables! This 4600sq/ft, 5 bed, 3.5 Bath home is a true gem located on a paved road. The main level has new paint and carpet, a remodeled kitchen, great room with vaulted ceilings. Primary suite has spa tub, walk in shower, walk in closet, washer and dryer in master closet. The 3 car garage features built in shelving and basement access. The basement offers a 5th bedroom, large great room with kitchenette, full bath and plenty of space for a den/playroom with built in shelving. This home is hooked up to 2 shared wells that put out over 100gm, and 400 amp electrical service

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6806 E Orion Drive Scottsdale, AZ 85257

Open House

$835,000

3 Beds

2.5 Baths

2,005 SqFt

Status Active

MLS # 6755597

Property Type Single Family Residence

Price Type --

A rare find! Located in the gated Community of Skye on Mcdowell, this highly desirable 3-bedroom haven boasts modern features throughout. Inside, the spacious open floor plan showcases wood-look tile flooring & surround sound. Natural light fills the space through wide sliding glass doors, blending the interior w/the outdoor living. Chef's kitchen is a delight, fully equipped w/recessed & pendant lighting, a pantry, plenty of white cabinets, stainless steel appliances, quartz counters, a waterfall island w/a breakfast bar, & a subway tile backsplash. Continue upstairs to find the cozy loft ideal for a reading nook. The main retreat highlights plush carpet, private balcony, & an ensuite w/dual sinks. Enjoy relaxing evenings on the balcony or unwind under the covered patio in the backyard. Don't miss to take a quick dip in the Community pool. What's not to like? Make it yours before it's gone!

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