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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9 County Road N1029 -- Greer, AZ 85927

$825,000

1 Bed

1 Bath

1,250 SqFt

Status Active

MLS # 6699331

Property Type Single Family Residence

Price Type --

This is a hidden gem, adorable Log cabin, nestled in the woods. 1 Bedroom & 1 Bathroom & Loft with additional beds. Front covered deck over looks ponds. This is a true get away cabin in the woods. Large Great & Dining Room area. Free Standing Wood Fireplace. Kitchen & Cabinets space, has all the necessary amenities with Electric Stove, Microwave & Refrigerator. All rooms have large window to view all the outdoors & wildlife in the area. Very bright & Airy inside cabin with exposed beam in ceiling. Special engineered logs with insulated interior of log. Wrap around deck. Basement has workshop, laundry Washer & Dryer & Storage area. Plenty of room on 4 acres to have horses and build an additional cabin. Secluded but close to Greer Village, Lakes, Hiking, Fishing & Sunrise Ski Resort.

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6829 E Sapphire Lane Prescott Valley, AZ 86315

$825,000

3 Beds

3 Baths

2,468 SqFt

Status Active

MLS # 6772529

Property Type Single Family Residence

Price Type --

Discover the upscale, gated community of COPPERFIELD in Prescott Valley. This BRAND-NEW custom home WILL BE COMPLETED IN NOVEMBER 2024. With 3-Bdrms + private Den/Office and 2,468 SF, this one-level beauty offers an easy, flowing layout with a welcoming entry foyer and split bedroom floorplan. Tile floors throughout living areas. Custom-built cabinetry, quartz counters, and full backsplash in the kitchen, with a large walk-in pantry. 400 amp electric panel. A private well and a 1,134 SF, 3.5 car attached garage wired for an electric car charger, complete this distinctive home on 4-level acres. An oversized pad is ready for a future garage or guest house. Copperfield offers paved roads and easy access to schools, shopping and medical facilities. HURRY, for this great opportunity!

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3105 S Amble Pass Gold Canyon, AZ 85118

$825,000

3 Beds

3 Baths

2,727 SqFt

Status Active

MLS # 6658830

Property Type Single Family Residence

Price Type --

Villa in SUPERSTITION MOUTAIN! 3 bedrooms and 3 baths.OPEN KITCHEN, GREAT ROOM DINING AREA LAYOUT! Beautiful stone accent wall in dining area. Gournet kitchen with granite counter tops aand Viking appliances. Private side patio to enjoy early morning coffee. Back patio with built-in BBQ and fire-pit overlooking grass common area with plenty of room for outdoor seating and dining. WALKING DISTANCE TO THE FITNES CENTER AND THE CLUBHOUSE! Two Jack Nicklaus golf courses. Not a golfer? Enjoy pickle ball, bocce, tennis, hiking and many other activities. Country Club living at its best! Club amenities under a separate agreement. 24 HOUR GUARD GATED COMMUNITY! 35 minutes to Phoenix Sky Harbor and 25 minutes to Mesa Gateway airports. Furniture, decor and household items included in the sale. Garage with epoxy floor and extra storage cabinets. Buyer and buyer's agent to verify all pertinent information including square footage.

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793 Bills Loop Forest Lakes, AZ 85931

$825,000

7 Beds

3 Baths

2,264 SqFt

Status Active

MLS # 6696136

Property Type Single Family Residence

Price Type --

THREE cabins on 1.05 acres with zoning already in place to add a fourth one. This slice of heaven, the ''Rustic Rim Hideaway'' has hosted many happy visitors. Rustic charm with knotty pine walls and wood burning fireplaces-each cabin has a fully equipped kitchen, shower, bath and all the furnishings. The 3 bedroom cabin sleeps 6 and each of the 2 bedroom cabins sleep 4. Nestled in Forest Lakes-one of AZ's most sought after places where temperatures are 20-30 degrees cooler than the valley! This is relaxation at it's best with private porches, sitting areas, lawn games and BBQs. Tons of opportunities for outdoor adventure as this property adjoins the Sitgreaves National Forest packed with trails and lakes. This property has been diligently maintained.

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50458 W Mayer Boulevard Maricopa, AZ 85139

$825,000

3 Beds

2 Baths

1,960 SqFt

Status Active

MLS # 6694598

Property Type Manufactured Home

Price Type --

HORSE LOVERS DREAM WITH HUGH PRODUCING INCOME . .Has everything huge roping arena ,20,000 gallon auto watering system for arena . 2 storage containers, Preifert elec chute 26 stalls ( room for more) calf pens,alley way .9 covered stalls 6 RV hook ups (room for more) Property is AGRICULTURE EXCEMPT .Garage meeting area with Kitchen faclities &restroom.Seperate laundry facility for the RV clients ,3 of the RV hookups have cement pads all have 30 amp .Home has new roof new paint out side ,new flooring inside all appliances stay &most furniture if client would like it .5th wheel comes with property that you can rent out .Property is fully fenced

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7606 W Libby Street Glendale, AZ 85308

$825,000

4 Beds

2.5 Baths

3,225 SqFt

Status Active

MLS # 6723740

Property Type Single Family Residence

Price Type --

Welcome to this spacious and inviting single-level home located in the sought after Hidden Manor subdivision. Boasting 4 bedrooms and 2.5 bathrooms and 3,225 square feet, offering ample space for comfortable living and entertaining. The expansive family room is ideal for gatherings, with a fireplace adding warmth and charm. The primary suite is a private retreat complete with a spacious walk-in closet and en-suite bathroom featuring dual vanities, a jetted-tub, and a separate shower. Three additional bedrooms offer comfort and versatility, accommodating guests, family members, or home office needs. Outside, the property sits on a generous lot spanning 15,921 square feet, offering plenty of room for a pool or garden. **New roof installed in late 2022** **Exterior painted in June 2024**

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4536 E Via Dona Road Cave Creek, AZ 85331

$825,000

4 Beds

2 Baths

2,186 SqFt

Status Active

MLS # 6736557

Property Type Single Family Residence

Price Type --

Charm meets convenience in this delightful single family home in sought after Tatum Ranch! Enjoy the benefits of solar without the worry of high energy bills. A stone patio welcomes you before setting foot in the home. Upon entrance, you are warmly greeted by a bright and open floor plan seamlessly connecting the kitchen to the living, dining, and family rooms, merging the indoor to the outdoor inviting backyard escape. Enjoy cooking in the well thought out kitchen that includes a generous sized island with granite counters The large owners bedroom includes a walk-in closet, en-suite bathroom w/dual vanities, soaking tub, & shower. 3 additional generously sized bedrooms offer plenty of space for all. The backyard features an inviting pool, desert landscaping & a covered patio...see more Shows pride of ownership. Home has been meticulously maintained. Enjoy the benefits of being minutes from Cave Creek, Carefree, Phoenix, Scottsdale, Desert Ridge, City North, hiking trails, golf courses, shopping, and dining. Don't miss out on this incredible opportunity in Tatum Ranch!

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7601 E Indian Bend Road Unit 1061 Scottsdale, AZ 85250

$825,000

2 Beds

2 Baths

1,509 SqFt

Status Active

MLS # 6773920

Property Type Apartment

Price Type --

Step into a world of elegance with this stunning ground-level corner unit in the newest phase of the highly sought-after Corriente Condos, a gated community nestled in the heart of Scottsdale. With only 198 homes in this ultra-exclusive complex, you'll enjoy both privacy and breathtaking golf course, lake, and mountain views right from your own covered patio. As you enter, you're greeted by a bright and open floor plan that seamlessly integrates a cozy fireplace, crown moldings, a 14x48 sound barrier floor and a beautiful $5k chandelier. The unit also has a brand-new air conditioning system (just 8 months old) for your convenience. The gourmet kitchen boasts stainless steel appliances, a gas stove, granite countertops, an upgraded backsplash, and a breakfast bar. Experience ultimate comfort with two spacious split bedrooms, each featuring private access to the patio. The master suite is a retreat of its own, complete with a luxurious bath offering dual sinks and a sleek glass shower. Conveniently, your guest bedroom is adjoining a beautifully designed full bathroom. This exquisite unit also includes oversized parking (2.5 spaces) underground reserved parking, and . Enjoy community amenities that elevate your lifestyle, including a pool, spa, clubhouse, onsite gym, and nearby golf course, all set within a prime Scottsdale location just minutes from the best dining, shopping, and entertainment the city has to offer. Don't miss this rare opportunity to own a piece of luxury in the prestigious Corriente community. Embrace the lifestyle you've always dreamed of!

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5763 W Johnny Mullins Drive Prescott, AZ 86305

$825,000

3 Beds

3 Baths

2,048 SqFt

Status Active

MLS # 6757315

Property Type Single Family Residence

Price Type --

This beautifully updated 2048 sqft home features a spacious, open floorplan with vaulted ceilings, offering a light & airy feel throughout. The cozy fireplace in the great room adds warmth and charm, perfect for chilly nights. The spacious kitchen has a subzero fridge, gas cooktop and large entertaining island. The master suite offers a luxurious retreat with a jetted soaking tub & walk in shower. The split bedroom design ensures privacy for everyone. Situated on a quiet cul-de-sac, the home boasts a large 10,000 sq ft lot with a fenced backyard backing to HOA open space, offering added privacy. Additional highlights include an inviting front porch, a new roof, dog run area, an extended paver patio with a gas firepit & more. The covered patio offers a built in BBQ & private dining area.

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22407 N Galicia Drive Sun City West, AZ 85375

$825,000

3 Beds

2.5 Baths

2,726 SqFt

Status Active

MLS # 6757808

Property Type Single Family Residence

Price Type --

This Luxury Home features a Formal Great Room with clear views of the 5th Hole of the Corte Bella Golf Course, Plantation Shutters and a Large Den. The Large Island Kitchen looks into the Family room with Sliding Glass Doors that lead onto the Covered Patio, overlooking the Heated pool and onto the Golf Course. The Master Suite allows you to wake up to the Morning Sunrise . Three Large Bedrooms . Two Separate Garages One two car garage and one Single Car. THIS IS A MUST SEE!! LOCATION, LOCATION LOCATION!!

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7201 S Golden Fleece Road Prescott, AZ 86303

$825,000

3 Beds

2 Baths

2,180 SqFt

Status Active

MLS # 6760982

Property Type Single Family Residence

Price Type --

AMAZING MOUNTAIN GETAWAY ON 3 AC OF PINED PROPERTY - GATED - PRIVATE - VIEWS - ADJACENT TO NATIONAL FOREST ON TWO SIDES. Step inside this NEWLY REMODELED top to bottom cabin. Brand new living room with walls of floor to ceiling new dual pane windows, doors flooring, paint, etc. Step into the brand-new kitchen featuring new cabinets, appliances and granite. One bedroom on main level, one on the mezzanine level, and the huge master suite is upstairs with a 3/4 bath, spacious walk-in closet, great views and a deck off of the side door. Private 10 gpm well. Propane stove in living room, as well as propane wall htr. Relax and enjoy watching the wildlife out the windows from the comfort of your living room. If you're looking for privacy & that wonderful mountain air, this one's for YOU! All buyers must be accompanied by an agent for access through gate and uphill to sign/driveway on Left. Property is only 6/10 mi off paved Walker Rd. Your quiet retreat in the woods only 15 minutes from town.

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5312 E Evans Drive Scottsdale, AZ 85254

$825,000

4 Beds

2 Baths

2,012 SqFt

Status Active

MLS # 6762938

Property Type Single Family Residence

Price Type --

Beautifully remodeled 4 bedroom Cavalier home in the ''magic'' 85254 zip code! Kitchen, flooring, hall bath, pool surface and more were all remodeled in the last 7-8 years. Within the past year, the master bath has been gutted and replaced, new A/C and water heater added, foam roof recoated, new light fixtures throughout (included recessed lighting in living areas, new baseboards throughout, complete interior/exterior repainting, popcorn ceilings removed and retextured, fresh rock and landscaping brought in, new front yard landscape lighting added, and more! Most of the original single pane windows have been upgraded to dual pane. Security system added. Mid-block, N/S exposure on a large, private lot. If you have been patiently waiting for the right home to come along, here is your reward

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