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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14832 N 47th Place Phoenix, AZ 85032

$825,000

3 Beds

2 Baths

1,839 SqFt

Status Active

MLS # 6765207

Property Type Single Family Residence

Price Type --

If you envision a huge lot with room to enjoy all your dream activities, this is it. This lot is nearly twice the size of the average area lot, at just under a half-acre and provides the rarest of opportunities and value on a nearly private cul de sac. The home has many recent upgrades including interior and exterior paint, stone elements on front elevation, new, modern garage door, massive, metal RV gate, newer roof, brand new HVAC, nearly $30K in pool improvements, including water and light features programmable from your phone. New laminate flooring was just installed last week in main areas along with new carpet in the guest bedrooms. Home features an awesome $10K commercial grade water filtration system. Weight room could be 4th bedroom with simple closet addition) or den. Decorative, electric fireplace adds charm and warmth of the hearth. Step out to the magnificent yard and let your imagination run wild. Kids will be in sheer paradise with all the room to play they can imagine. How cool is this tree fort?! Artificial turf is both attractive and a safety feature for rough and tumble kids. Seller is willing to leave all the play equipment or can have it removed if desired. Like to party? Invite a 100 guests, no worries. Huge patio, spacious firepit area and pool bar area that would make Jimmy Buffett proud. All in all, your client will thank you for finding this gem that exudes charm and potential for even greater upside possibilities. Ask agent about sellers' thoughts on kitchen expansion.

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1216 Easy Street Wickenburg, AZ 85390

$825,000

3 Beds

2.5 Baths

2,495 SqFt

Status Active

MLS # 6770246

Property Type Single Family Residence

Price Type --

This is your chance to own this beautiful , charming home in the heart of Wickenburg .No HOA. 3.7 Acres of HORSE PROPERTY. Main home + a guest house. Ranch style, open floor plan, 3 bedroom, 2 full bath & 1/2 bath w/Arizona room. Relax by the fireplace in the living room w/ large picture windows to take in the AMAZING VIEWS and gorgeous sunsets. Exit to the back patio to enjoy the firepit & covered patio. Completely fenced in for your pets & kids.. 2 car attached garage & separate RV garage. Attached by a breezway is a sweet, one bedroom casita for your family & friends. Solar system owned, not leased. Room for your horse set up below the house. Paved road. Easy access to Hwy 60 & Hwy 93. Don't miss out on this great buy. Home is in immaculate shape and move in ready

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7501 E Golden Eagle Circle Unit 27 Gold Canyon, AZ 85118

$825,000

3 Beds

3 Baths

2,997 SqFt

Status Active

MLS # 6771957

Property Type Single Family Residence

Price Type --

SUPERSTITION MOUNTAIN VILLA! THREE BEDROOM THREE BATH, WITH AN EXTRA ROOM FOR AN OFFICE, DINING AREA, EXTRA BEDROOM OR DEN! TWO DOWNSTAIRS PATIOS, ONE WITH A LARGE GAS FIRE PIT AND THE OTHER OFF THE KITCHEN WITH A BUILT-IN BBQ AND FOUNTAIN. RELAX BY THE FIREPLACE ON THE UPPER DECK AND ENJOY THE MAGNIFICENT MOUNTAIN VIEWS. NEW BAR WITH GRANITE COUNTER TOP AND WINE FRIDGE. Newer stove top, refrigerator dishwasher and two AC's. NEW STATE OF THE ART AUDIO EQUIPMENT FOR SURROUND SOUND THROUGHOUT THE HOME. Floor plan offers flexibility for living lifestyle. 24 HOUR GUARD GATED COMMUNITY. Two Jack Nicklaus golf courses. Not a golfer? Enjoy tennis, pickle ball, bocce, hiking and many other activities. Club membership available under a separate agreement. 35 minutes to Phoenix Sky Harbor and 20 minutes to Mesa Gateway airports. Some furnishings available under a separate bill of sale at close of escrow.Buyer and/or buyer's agent to verify all pertinent information, including square footage

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7180 E Kierland Boulevard Unit 314 Scottsdale, AZ 85254

$825,000

1 Bed

1 Bath

892 SqFt

Status Active

MLS # 6775729

Property Type Apartment

Price Type --

Experience luxury high-rise living at Optima Kierland, where sophistication meets modern convenience in N. Scottsdale. This exclusive 3rd-floor residence, the largest one-bedroom plan in the coveted 7180 tower, offers an unmatched blend of style and functionality. Step into the open, U-shaped kitchen leading to a great room framed by a rare, retractable sliding glass door that invites natural light and mountain views inside. The customized walk-in closet has built-in storage and a cleverly integrated bunk bed, maximizing space without compromising elegance. With stunning views from your living space and a rooftop recreation deck featuring a cold plunge, a ¼ mile walking track and expansive vistas, Optima Kierland is more than a home it's a vibrant, elevated lifestyle.

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7700 E Balao Drive Scottsdale, AZ 85266

$825,000

3 Beds

3 Baths

1,942 SqFt

Status Active

MLS # 6780894

Property Type Single Family Residence

Price Type --

Welcome to sought after guard gated Bellasera! The interior lot offers a peaceful setting for a vacation retreat or year round resort style living. This home boasts approximately 1,900 square feet of living space, a neutral color pallet with three bedrooms and three bathrooms. The property features a courtyard entry with space for entertaining, a private lot, and a casita. The home has a north/south exposure and provides mountain views. Bellasera has a multitude of first class amentities including a well apointed club house and fitness center, community pool, tennis courts and a lighted DOG PARK. It is conveniently located close to shopping, hiking, golf, restaurants, the airport and all Scottsdale has to offer.

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12377 W Desert Vista Trail Peoria, AZ 85383

$825,000

2 Beds

2.5 Baths

2,438 SqFt

Status Active

MLS # 6779094

Property Type Single Family Residence

Price Type --

Stunning custom Aurora Model situated on a prime golf lot with only one neighbor! Overlooking the 11th tee box, this lot offers a lush greenbelt on one side & captivating views down the entire hole. The coveted floor plan is ideal for entertaining, featuring 12' ceilings, dual kitchen islands, a stylish built-in wine room, crown molding, surround sound & plantation shutters throughout. The incredible backyard boasts travertine tile hardscape, a spacious covered patio & built-in BBQ. Additionally, there's a charming side courtyard with an outdoor fireplace. The oversized master suite with dual walk-in closets is complemented by a large en-suite 2nd bedroom & versatile den/office. 3-car garage with epoxy floors offers ample storage. Fully pre-paid solar & just a short walk to the Kiva Club.

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14131 S 181st Avenue Goodyear, AZ 85338

$825,000

4 Beds

3.5 Baths

3,109 SqFt

Status Active

MLS # 6779098

Property Type Single Family Residence

Price Type --

This home is back on the market because the Buyer could not perform. Request a copy of the Inspection Report, which confirms this home NEEDS NOTHING. The moment you step inside, you'll be captivated by the thoughtful split floor plan, complete with a dedicated teen room and 3rd bedroom with its OWN ENSUITE. Beyond the expansive 4-car garage, the true heart of this home lies in the serene courtyard patio, where the current owners love to unwind. For those who work from home, an office nook provides just the right amount of seclusion. The backyard overlooks a picturesque desert landscape and a 4.8-mile trail. Whether you're cooling off in the pool, cozying up by the gas fireplace in the winter, or enjoying the garden in every season, this home is a sanctuary of comfort and style.

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5529 W Aster Drive Glendale, AZ 85304

$825,000

4 Beds

2.5 Baths

3,082 SqFt

Status Active

MLS # 6779184

Property Type Single Family Residence

Price Type --

WELCOME!! This 4-bedroom, 2.5-bathroom home in Glendale's Marshall Ranch is an exceptional find. Completely remodeled, it offers a blend of luxury and comfort, beginning with a welcoming courtyard that leads into the main area with soaring ceilings and an abundance of natural light. The downstairs area boasts a formal living and dining room, while the family room, featuring a cozy fireplace, opens to a beautifully remodeled kitchen with custom cabinetry, quartz countertops, and brand-new appliances. The primary bedroom on the first floor includes a luxurious bathroom with a soaking tub, walk-in shower, dual sinks, and separate closets, plus private patio access through double doors. Upstairs, an oversized flex room with patio access can serve as an exercise room, movie room, or a any other versatile space. Three additional spacious bedrooms and a fully remodeled bathroom with a soaking tub complete the upper level. The backyard is a private retreat featuring a large covered patio with fans and space for a TV, a fire pit with surrounding seating, and a diving pool with a beautiful water feature. Lush landscaping, including artificial turf and mature trees, adds to the home's appeal. With a 3-car garage and ample space for both entertaining and relaxation, this home truly has it all.

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4126 S Last Chance Trail Gold Canyon, AZ 85118

$825,000

4 Beds

2.5 Baths

3,020 SqFt

Status Active

MLS # 6779335

Property Type Single Family Residence

Price Type --

Magnificent Superstition Mountain & Sunset Views in Gated Mountain Whisper! Prepare to be impressed by extended pavered driveway, spacious private pavered gated front courtyard & arched wrought iron/glass front door. This single level custom home features 4 bedrooms, office/den, 2.5 baths & 3 car garage on a premium 23, 398sf lot with no neighbors on south or west sides. Split floorplan provides privacy for family & friends. Eat-in kitchen offers solid wood cabinetry, slab granite counters & opens to large living room featuring gas fireplace. Lovely primary suite includes luxury bath w/soaking tub and huge walk-in closet. Designer paint, plantation shutters, quality fans, lighting & sunscreens T/O. Over-sized easy-care backyard boasts professionally installed putting green, covered and uncovered patios, pavers & spectacular Superstition Mountain views. 3 car garage sports epoxy flooring & cabinets. Pride of ownership + low maintenance landscaping = time to enjoy Gold Canyon's 5 golf courses, restaurants & world class hiking. 35 min to Phx Sky Harbor.

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4395 E Savannah Circle Flagstaff, AZ 86004

$825,000

4 Beds

3.5 Baths

2,593 SqFt

Status Active

MLS # 6779771

Property Type Townhouse

Price Type --

Welcome to this stunning freestanding townhome, perfectly positioned to back onto Foxglenn park and connect directly to the Urban Trail System—giving you the best of both nature and modern comforts right at your doorstep. Step onto the Trex deck and take in the breathtaking views of the Peaks, where relaxation comes naturally as you overlook the peaceful park setting and stunning view. This home has been beautifully upgraded throughout and is move-in ready!

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29826 N 48th Way Cave Creek, AZ 85331

New

$825,000

4 Beds

2.5 Baths

2,570 SqFt

Status Active

MLS # 6782406

Property Type Single Family Residence

Price Type --

Stunning 4 bedroom home with a large loft area set on private oversized view lot backing open space. Too many improvements to list. MUST SEE. Yard rivals most resorts with sparkling pebble tech pool (redone in 2024), artificial turf, numerous seating areas, updated irrigation system, dramatic landscape and lighting, citrus trees, state of the art outdoor Sonance speaker system with subwoofer and covered patio area for your TV. Inside you will love the 3/4 inch Rattan Maple HARDWOOD flooring throughout. Open kitchen to family room with gourmet appliances include 6 burner gas cooktop with pot filler , double ovens, and LG ThinQ refrigerator that makes both cubed and craft ice! Master suite has been redesigned with spa like custom bath. Loft area designed with built on office area. MORE The gated community of Tatum Greens is part of the Tatum Ranch master planned community. Enjoy the paths , green belts, walk ways, open green spaces, Tatum Ranch Community Association, Tatum Ranch Golf Club, gorgeous mountains, a plethora of nearby fine dining , art galleries and shopping. Close proximity to Desert Ridge and the freeway make this an ideal location. Not to be missed excelling Cave Creek schools!

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4803 N Woodmere Fairway -- Unit 2006 Scottsdale, AZ 85251

$825,000

2 Beds

2 Baths

1,548 SqFt

Status Active

MLS # 6782445

Property Type Apartment

Price Type --

Embrace the refined lifestyle at Sage Condominiums. This spacious two-bedroom home features a generous den, two luxurious bathrooms with marble countertops, an open kitchen with stainless steel Appliance, light oak wood flooring, and a striking gas fireplace framed in floor-to-ceiling travertine tile. Indulge in resort-style amenities, including a sparkling pool, fitness center, social clubhouse, and a BBQ area perfect for entertaining. Ideally located near Scottsdale's finest arts, dining, and entertainment, Sage Condominiums puts vibrant urban living, boutique shopping, scenic trails, and dynamic nightlife right at your doorstep—placing you at the center of it all.

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