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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1961 S Pheasant Drive Gilbert, AZ 85295

$825,000

5 Beds

3 Baths

3,379 SqFt

Status Active Under Contract

MLS # 6769533

Property Type Single Family Residence

Price Type --

This stunning two-story home exudes charm & elegance from the moment you arrive! It displays an excellent curb appeal highlighted by a mature landscape, stone accents, a 3-car garage, & an RV gate. Meticulously maintained interior boasts high ceilings, tile flooring, large baseboards & windows galore to let in all the natural light. Spotless kitchen comes w/a pantry, SS appliances, recessed & pendant lighting, travertine backsplash, a peninsula w/a breakfast bar, ample cabinets w/crown moulding, an island, & granite counters. Spacious primary retreat is DOWNSTAIRS for convenience, showcasing plush carpet, a bay window, & an ensuite comprised of two sink vanities, make-up vanity, soaking tub & a walk-in closet. Host a party inside and play pool in the bonus room or indulge in the oversized backyard enhanced by a covered patio, gazebo that blooms gorgeous flowers, huge grass area & a refreshing pool w/rock waterfall. This unique dream home will absolutely captivate you and your future memories! Exterior was just painted Oct 2024!

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1435 E Tonto Drive Chandler, AZ 85249

$825,000

5 Beds

2.5 Baths

2,696 SqFt

Status Active Under Contract

MLS # 6769229

Property Type Single Family Residence

Price Type --

Special home ideally located on a corner lot across from the park. Enter through the front courtyard & upgraded door into the generous foyer. Open great room w/4 spacious bedrooms, 5th is a den/office, 2.5 baths. Beautiful wood-like tile flooring & large windows overlooking the backyard. Gourmet, eat-in kitchen boasts large island, walk-in pantry, granite counters, tile backsplash, upgraded cabinetry, gas cooktop & SS appliances including fridge. RO & soft water systems. Secluded main suite w/separate exit, huge walk-in closet & remodeled bathroom w/tile shower & soaking tub. Resort like, private backyard w/shady covered patio, sparkling pebble sheen pool & manicured landscaping! 3 car tandem garage & RV gate. Too many upgrades to list. Top-rated Chandler schools. Exceptional location!!

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10711 E Talon Avenue Mesa, AZ 85212

$825,000

5 Beds

3.5 Baths

4,350 SqFt

Status Active Under Contract

MLS # 6776224

Property Type Single Family Residence

Price Type --

Stunning great room plan built by Ashton Woods offers 5 bed/3.5 bath + formal dining + den/flex + lg loft allows for ample living space. The kitchen is equipped with white shaker cabinets, extensive granite counters, a lg island with dark maple finished, subway backsplash, peek-a-boo windows, a lg W-I pantry, gas cooktop & wall oven which provide a functional cooking space. The primary en-suite is conveniently located on the main floor offering a lg private bath with tiled shower & separate soaking tub, raised vanity with dble sinks & has a lg pass though W-I closet leading to the spacious laundry rm. The home features a spiral staircase leading to the 2nd level which includes 4 bdrms (3 with W-I closets), 2 linen closets, & 2 full bths with dble sinks & private tub/shower+ toilet areas. The lg loft area boasts a flexible space that can be tailored to your lifestyle. The home also includes a 3 car split garage with an epoxy floors, & the oversized lot is ready for your landscape design. This amazing gated community offers a clubhouse to meet with friends, work-out facility, community pool, play grounds and lots of green space.

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2353 Florian Meadow Trail Overgaard, AZ 85933

$825,000

3 Beds

3 Baths

2,898 SqFt

Status Active

MLS # 6663325

Property Type Single Family Residence

Price Type --

A custom 3 BR/3BA, 2898 SqFt cabin in a very pristine area of Overgaard. This home is nestled on a full acre that is heavily treed with mature Ponderosa Pines. The interior features a great room design with 30' knotty pine ceilings, a wall of windows, a duel fuel stone faced fireplace, a large kitchen with butcherblock countertop, an island with Silestone counter, wood, tile laminate and carpet flooring. The wood flooring is from the Chediski fire. It also boasts, a wet bar, a 24x24 Arizona room with a freestanding wood burning stove,. a loft with four permanent bunkbeds, an upstairs bedroom with bathroom. The master bedroom is downstairs with an en-suite bathroom with jacuzzi tub. There is also a game game room w/fireplace. The exterior boasts a patio with a fireplace and circular drive. This pristine homesite would make a wonderful horse property. Plenty of room for a barn with stalls and a round pen.

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15931 W Myrtle Avenue Litchfield Park, AZ 85340

$825,000

3 Beds

2 Baths

1,860 SqFt

Status Active

MLS # 6681308

Property Type Single Family Residence

Price Type --

Step into this beautiful 3-bedroom, 2-bathroom home in Litchfield Park. All hard wood floors, freshly painted and move in ready. Huge Extra room that can be used for a den, workspace, or family room. This 2 acre property is fully fenced, horse property with irrigation, and No HOA. Bring your animals and toys. Extra storage space in the large shed at the back of the house. Come view your next home.

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17962 W Elm Street Goodyear, AZ 85395

$825,000

4 Beds

3 Baths

3,239 SqFt

Status Active

MLS # 6680136

Property Type Single Family Residence

Price Type --

''Welcome to Your Dream Home: Unique one-of-a-kind Meritage Austin Floor Plan with Exceptional Features!'' From the moment you arrive, you'll be greeted by an inviting private front courtyard, setting the tone for what awaits inside. Boasting 4 bedrooms, Den/ Flex space, 3 bathrooms, this home offers ample space and privacy for your family. The private backyard is a haven of relaxation, complete with a sparkling pool and a 8 ft RV gate with RV parking - perfect for all your outdoor adventures. Experience seamless indoor-outdoor entertainment with a 16 ft multi-slider, blending your living spaces effortlessly. Prepare to be wowed by the stunning chef-inspired gourmet kitchen, featuring white double stacked upper and lower cabinets, oversized quartz countertops with blue lower cabinets, and top-of-the-line appliances. The large primary bedroom offers a tiled walk-in spa shower and a spacious walk-in closet with direct entry into the laundry room. The split floor plan ensures privacy, with three secondary bedrooms located along the west wing of the house. Bedrooms 3 and 4 share a Jack-n-Jill bathroom and Bedroom 2 has a hallway bathroom equipped with a tiled walk-in shower. Unique features abound in this home, including a custom-built bar area off the great room, custom cabinets with a sink in the laundry room, and a custom entertainment built-in with an electric fireplace - designed to hold a 100-inch TV! But that's not all - this exceptional home also boasts a 24k mini-split unit in the garage, epoxy flooring, Bluetooth surround sound speakers, and an additional 100-watt sub-panel. The state-of-the-art pool includes top of the line Pentair equipment and a Pentair electric heater all backed by a factory limited lifetime warranty. And the cherry on top? This amazing home comes with 40 solar panels, a 15.8 kW system producing over 24,000 kW per year, ensuring energy efficiency and savings for years to come. Don't miss the opportunity to make this truly extraordinary home yours.

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36601 N Mule Train Road Carefree, AZ 85377

$825,000

2 Beds

3 Baths

1,970 SqFt

Status Active

MLS # 6692497

Property Type Townhouse

Price Type --

MUST SEE THIS TOTALLY REMODELED AND FULL FURNISHED CONDO!! This absolutely stunning 2nd floor condo offers an open concept floor plan that is fully furnished with brand new furniture, appliances, flooring, remodeled kitchen and baths. It features two patios, a deck with a beautiful view, and a shared one-car garage. The unit boasts LED lighting, new roller shades, and fresh interior and exterior paint. Enjoy a beautiful community pool and proximity to hiking trails. A perfect blend of modern upgrades and leisurely comforts in a sought-after location. You won't be disappointed!

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185 Ross Road Sedona, AZ 86336

$825,000

3 Beds

2 Baths

1,720 SqFt

Status Active

MLS # 6711127

Property Type Single Family Residence

Price Type --

West Sedona location, privacy, Red Rock views, and excellent condition? Look no further! This adorable home has three Trex type decks to take in views of Thunder Mountain & Coffee Pot Rock. Immaculate turn key condition, 3 bedrooms plus an office nook with charming bay window, fenced backyard for Fido, with beds for gardening, and two garages make this home a very affordable option. Level entry from garage, 220V in garage. The HVAC Furnace and Air Conditioner is new as of March 2022, water heater is new as of March 2022, new garage doors and tracks. New induction stovetop and new stainless steel refrigerator, plus four new ceiling fans/light fixtures. Nest thermostat, new ''Dusk to Dawn'' front door lights. Hiking Trail access via neighborhood social trail only 3/4 mile away. All new re-insulation of the attic, plus sealing of old evaporative cooler vents, new weatherization of front door and new weatherization of garage entry door, with CozyHome doing a home energy audit before completing the work. Asphalt Shingle roof is barely halfway through it's lifetime at only 12 years old. Property has TWO garages-both are oversized single car garages. One could be for parking, and one could be for workshop, hobby area, or artist studio-have fun deciding! Ample parking with paved driveway plus a pull through gravel driveway...great for RV parking! It's rare to see a Sedona home this well taken care of with clear pride of ownership. West Sedona location means you have City amenities, with an abundance of hiking trails and natural beauty to choose from on a daily basis. Come see what peaceful Sedona living is all about, and schedule a showing today!

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1085 Yaqui Drive Wickenburg, AZ 85390

$825,000

3 Beds

2 Baths

2,062 SqFt

Status Active

MLS # 6726025

Property Type Single Family Residence

Price Type --

Nestled within the rugged beauty of Wickenburg, Arizona, lies a haven for horse enthusiasts - 1085 S Yaqui Dr. This 1.475-acre property isn't just a home; it's a lifestyle, a sanctuary where the sun-kissed desert meets modern living. Step through the welcoming threshold of this 2,062 sq ft residence, and you'll feel the warmth of meticulous care. Sunlight spills through large windows, illuminating the open living spaces. The home boasts room for all your toys, equipped with a 3-car garage and an RV hook-up. Outside, the equestrian amenities await. A horse corral is already set up, along with a 30 ft x 10 ft horse shade and a 33 ft x 12 ft hay/trailer storage. But that's not all - there's a very spacious horse turnout area, ready for your personal touch. So many more amazing features await your discovery. Schedule a tour today to see them all. Your equestrian dreams await at 1085 S Yaqui Dr!

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5933 W Grovers Avenue Glendale, AZ 85308

$825,000

4 Beds

2 Baths

2,067 SqFt

Status Active

MLS # 6732201

Property Type Single Family Residence

Price Type --

This incredible 4-bedroom, 2-bathroom single story home is perfectly situated on almost an acre! Located in a prime central location, you'll be just minutes from freeways, top-rated schools, shopping & restaurants. Step through the courtyard entrance to a gorgeous iron door that leads to an interior featuring vaulted ceilings, skylights & custom paint. The bright, open floor plan includes formal living & dining areas as well as a spacious family room, ideal for both relaxing & entertaining. The stunning granite kitchen is equipped with stainless steel appliances, stylish custom cabinetry, a breakfast bar & a bay window dining nook. The owner's suite is a private retreat with an updated ensuite bathroom & sliding glass doors leading to the backyard. Outside, you'll find a sparkling pool, large covered patio, gazebo, turf, putting green, exterior lighting, a shed & large concrete slab. There's so much open space in the backyard, offering plenty of room to add whatever you desire on this enormous lot. Don't miss your chance to own this extraordinary home!

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4424 E Hartford Avenue Phoenix, AZ 85032

$825,000

3 Beds

2.5 Baths

2,798 SqFt

Status Active

MLS # 6730076

Property Type Single Family Residence

Price Type --

Desirable home located in the quiet gated community of Santa Rita. Tucked away but close to everything. A prime location that is minutes to both the 101 and 51, the newly reimagined PV mall, Desert Ridge, Kierland/Scottsdale Quarter and much more. This Energy Star Certified Cachet home was built in 2016 and offers 3 bedrooms, 2.5 baths, a separate office, large loft space plus extra workspace. When you arrive at the home you are greeted by charm and character highlighted by the tasteful landscaping, exterior lighting, and arched entryway leading you to the front door. The main floor features a great room floor plan, large dual slider that provides seamless indoor to outdoor living, a separate office, and large kitchen. Private backyard space is the perfect spot to entertain and has brick pavers, a large covered patio with a built-in misting system, artificial turf and a putting green. The kitchen boasts a large island with ample room for bar seating, granite countertops, large walk-in pantry, stainless steel appliances, wall oven and microwave, reverse osmosis, and electric range cooktop. Upstairs the large primary suite is split from the two secondary bedrooms and bathroom. The primary bathroom has dual vanities, large soaking tub, walk-in shower, and generous walk-in closet. Separating the primary and secondary bedrooms is a wonderful loft space that can be utilized many ways depending on your needs. Large windows throughout the home provide great natural light throughout the home. Automatic window coverings throughout the home. Hard wired surround sound throughout the home. Large laundry room with lots of room to customize and make your own. Additional coat closet/storage closet across from the laundry room is a great bonus. Powder bath is located on the main level. 3 car garage with lots of built in storage. Community features multiple green spaces and a children's playground.

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8737 E Whitton Avenue Scottsdale, AZ 85251

$825,000

5 Beds

2 Baths

1,488 SqFt

Status Active

MLS # 6733270

Property Type Single Family Residence

Price Type --

It's a vibe! Embrace the allure of this splendid 5-bedroom, 2-bath haven nestled in the enchanting cul-de-sac of Old Town Scottsdale. A treasure not to be overlooked! Spanning 1/3 acre, this paradise beckons for children and toys alike. Whether you seek a family abode or a well-appointed vacation retreat with a rich income legacy, this gem shines brightly. Adorned with designer touches, it boasts playful accent walls and five exquisitely designed bedrooms. Every corner has been lovingly refreshed! Revel in the new kitchen, sparkling appliances, lush landscaping, elegant flooring, and pristine baths! With spring training just a stone's throw away and the convenience of the 101 freeway nearby, you're mere minutes from the culinary delights, artistry, theaters, & Fashion Square Mall! It's a vibe! Embrace the allure of this splendid 5-bedroom, 2-bath haven nestled in the enchanting cul-de-sac of Old Town Scottsdale. A treasure not to be overlooked! Spanning 1/3 acre, this paradise beckons for children and toys alike. Whether you seek a family abode or a well-appointed vacation retreat with a rich income legacy, this gem shines brightly. Adorned with designer touches, it boasts playful accent walls and five exquisitely designed bedrooms. Every corner has been lovingly refreshed! Revel in the new kitchen, sparkling appliances, lush landscaping, elegant flooring, and pristine baths! With spring training just a stone's throw away and the convenience of the 101 freeway nearby, you're mere minutes from the culinary delights, artistry, theaters, and shopping escapades that Scottsdale offers! Furnishings are available through a Separate Bill of Sale.

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