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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7381 W Paso Trail Peoria, AZ 85383

$825,000

5 Beds

3.5 Baths

3,376 SqFt

Status Active

MLS # 6741370

Property Type Single Family Residence

Price Type --

LOCATION, LOCATION, LOCATION! Step into this exquisite Taylor Morrison Cottonwood floorplan, nestled in the highly desirable Terramar neighborhood. This expansive home features five bedrooms, three and a half bathrooms, and a three-car garage, providing all the space you need. Recently updated with fresh interior paint, brand-new flooring, and sleek new baseboards, it exudes modern elegance. Outside, your private oasis awaits: mature trees, your very own garden area, a sparkling heated swimming pool and spa, and inviting spaces like a gazebo and fire pit for ultimate relaxation and entertainment. Situated on a premium lot and close to top-rated schools and shopping, this home offers both luxury and convenience. Don't let this exceptional property slip away—make it yours today! This is more than just a house; it's a place to call home. Don't miss the chance to make this exceptional property yours!

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2324 W Tanya Trail Phoenix, AZ 85086

$825,000

3 Beds

2.5 Baths

2,739 SqFt

Status Active Under Contract

MLS # 6690866

Property Type Single Family Residence

Price Type --

Discover the epitome of desert living in this exceptional 1+ ACRE property in North Phoenix, where privacy meets convenience in a breathtaking setting with NO HOA! This home is a sanctuary of peace and tranquility, perfectly situated just minutes from ANTHEM COUNTRY CLUB, the vibrant NORTERRA shopping and dining scene, BOULDER CREEK HIGH SCHOOL, Sonoran Health Medical Center, Lake Pleasant, and a short TRAIL RIDE North or South to state land. Experience unparalleled energy efficiency with OWNED SOLAR PANELS that dramatically reduce your energy bills. This remarkable residence boasts a welcoming circular driveway leading to a spacious 2-car garage, an RV GATE with plenty of space for RV PARKING, and a charming courtyard entry. Step inside to find an interior that embodies modern elegance with an abundance of natural light, and a soothing color palette. With fire sprinklers installed throughout, this home features a formal dining room and a spacious living room equipped with surround sound, media niches, perfect for entertaining or quiet evenings in. The fusion of tile and carpet flooring under high ceilings, illuminated by recessed and pendant lighting, creates a warm and inviting atmosphere. The gourmet kitchen is a chef's dream, complete with built-in appliances, a walk-in pantry, GRANITE countertops and backsplash, ample cabinetry accented with crown molding, a prep island, and a breakfast bar. Adjacent to the kitchen, a cozy breakfast nook with a bay window offers a delightful spot for casual dining. The primary suite features direct outdoor access, an en-suite bathroom with dual sinks, a soaking tub for ultimate relaxation, and a spacious walk-in closet. With ample space for future HORSE STALLS, BARN or even a SPARKLING POOL, this incredible backyard features a tranquil water feature, a full-length COVERED PATIO, and a gazebo, making it the perfect venue for weekend gatherings and creating unforgettable memories. This property is not just a home; it's a lifestyle waiting to be embraced. See for yourself the true beauty and rare opportunity this North Phoenix gem offers.

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3056 E Mallory Street Mesa, AZ 85213

$825,000

5 Beds

3 Baths

3,338 SqFt

Status Active

MLS # 6744722

Property Type Single Family Residence

Price Type --

PRICED TO SELL!! NO HOA!! Discover this impressive 5-bedroom, 3-bathroom home in the highly sought after community of Lindsay Estates, offering over 3,300 square feet of beautifully designed living space with soaring vaulted ceilings and a grand stairway as you enter the front door. The spacious kitchen is a chef's dream with tons of cabinets and counter space, wall oven and new cooktop in the island which overlooks the spacious family room with a warm fireplace. Step outside to the private backyard oasis where a refreshing pool awaits, perfect for entertaining & enjoying Arizona's sunny days with a built in BBQ, Pergola and even a firepit. The grand master retreat has a balcony which overlooks the backyard, double sinks, garden spa tub and a large walk-in closet. Two of the oversized bedrooms also have their own private balcony's that overlook the front yard. The home has tons of upgrades, has been freshly painted both inside and outside and is equipped with a new owned solar system, so the home is very energy efficient. Located near popular shopping, freeway access and A1 rated schools, this home combines convenience with luxury, offering the ultimate living experience in a prime location. Come see what it, you will not be disappointed.

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5222 E Cordia Lane Cave Creek, AZ 85331

$825,000

3 Beds

2.5 Baths

2,236 SqFt

Status Active

MLS # 6746954

Property Type Single Family Residence

Price Type --

So much hidden value has been added to this 3BR + Den home in the sought-after, gated Diamond Tree Estates! Set on a spacious 1/4-acre lot, functionality and relaxed living meet. Enjoy the benefits of a new AC system and hot water heater (2023), along with fresh carpet and paint (2024). The split floor plan maximizes privacy and features an open kitchen with granite counters, stainless steel appliances, and a double oven plus extra tall 42'' cabinetry. The inviting yard features a large & relaxing pool, expansive paver patio, surround sound, and a putting green. Recent upgrades include plantation shutters (2023), modern mister system and vibrant smart stringed sights. An RV gate adds extra convenience and functionality to the oversized lot which has a newer drip system. Grand main suite has a sitting area, a pristine full ensuite with dual sinks, and a separate tub/shower. The entertainer's backyard invites you to relax and have fun! It offers a covered patio, Travertine tile flooring, a putting green for golf enthusiasts, and a refreshing pool. Hurry! Your paradise awaits!

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27681 N 108th Way Scottsdale, AZ 85262

$825,000

2 Beds

2 Baths

1,998 SqFt

Status Active

MLS # 6759437

Property Type Single Family Residence

Price Type --

Welcome to your dream retreat in the heart of Troon North! This stunning 2 bed, 2 bath, residence boasts unparalleled mountain views, offering a picturesque backdrop for your everyday life. Brand new roof in July 2024. As you step into the meticulously designed property, you're greeted by a luxurious pebble tec pool and spa, complete with pop-up filters for ease of maintenance and endless relaxation. The home's grandeur is immediately apparent with its soaring 12-foot ceilings, creating a sense of spaciousness and sophistication in every room. Large windows strategically placed throughout the residence invite abundant natural light, illuminating the exquisite interior and highlighting the breathtaking vistas beyond. Entertain with ease in the gourmet kitchen, featuring upgraded shutters, premium appliances, and ample counter space for culinary creations. The open-concept layout seamlessly connects the kitchen to the living and dining areas, fostering effortless flow and connectivity for gatherings of any size. Retreat to the lavish master suite, where tranquility awaits amidst panoramic views and indulgent amenities. The en-suite bathroom offers a spa-like experience with a soaking tub, dual vanities, and a spacious walk-in shower, providing the ultimate in relaxation and rejuvenation. Outside, the expansive patio beckons you to unwind in style with natural area open space at the rear of the property, whether you're basking in the Arizona sun, dining alfresco under the stars, or simply enjoying the serenity of your private oasis. With meticulously landscaped grounds and unparalleled vistas of the surrounding mountains, every moment spent outdoors is an escape to paradise. Located in the prestigious community of Troon North, this residence offers the perfect blend of luxury living and natural beauty. Enjoy world-class golf, hiking trails, and upscale amenities just moments from your doorstep, making every day feel like a vacation in paradise.Don't miss your chance to experience the epitome of desert living in this exquisite Troon North retreat.

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282 E Bartlett Way Chandler, AZ 85249

$825,000

4 Beds

2.5 Baths

2,526 SqFt

Status Active

MLS # 6763444

Property Type Single Family Residence

Price Type --

Gorgeous single level WITH POOL in Southshore Village. Just under 2600sf, this home features 4 large bedrooms, 2.5 bathrooms, 3 car garage, and a sparkling pool! Granite counters, upgraded cabinetry, epoxy garage floor, outdoor turf, pergola, north south exposure, and a phenomenal location. Close to Basis, Fulton Ranch, shopping, fine dining, grocery stores, and some of the best schools in the valley! Welcome Home!

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15408 S 19th Way Phoenix, AZ 85048

$825,000

4 Beds

2 Baths

2,459 SqFt

Status Active

MLS # 6765786

Property Type Single Family Residence

Price Type --

This beautifully maintained single level home boasts breathtaking mountain views from its serene preserve setting. Enjoy an easy flowing floor plan perfect for entertaining, with a spacious kitchen and open living areas. Step outside to your private backyard paradise featuring a sparkling pool and spa, ideal for relaxation and outdoor gatherings. Cabrillo Canyon offers a vibrant community with nearby scenic trails and parks, award-winning schools & an accessible valley location making this the perfect place to become your new home. Lifestyle options abound — reserve your private tour today!

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2510 E Pleasant Lane Phoenix, AZ 85042

$825,000

4 Beds

3.5 Baths

3,184 SqFt

Status Active

MLS # 6766393

Property Type Single Family Residence

Price Type --

Introducing a stunning 4-bedroom, 3.5-bathroom NextGen home featuring a beautiful pool and a charming separate living space! The bright main home boasts a spacious living room with sliding doors to the backyard and a cozy den, perfect for an office. The gourmet kitchen showcases granite counters, stainless steel appliances, wall ovens, an island with a breakfast bar, and a walk-in pantry. The main bedroom offers a luxurious ensuite with dual vanities, a raindrop shower, and a walk-in closet. Guest quarters include a living room, kitchen, bedroom, laundry, private patio, garage, and separate entrance—ideal for visitors or rental. Enjoy a backyard oasis with a covered patio, heated pool and spa, and built-in BBQ. Located in the Arbors Gated Community, across from Legacy Golf Club.

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2676 E La Costa Drive Gilbert, AZ 85298

$825,000

5 Beds

3.5 Baths

3,655 SqFt

Status Active

MLS # 6769574

Property Type Single Family Residence

Price Type --

This gorgeous home is situated walking distance to the picturesque rec center and community pool of Adora Trails. With 12+ miles of scenic walking trails, a catch & release fishing lake, playgrounds, greenbelts, a recreational center with basketball courts and a fitness center...this community has everything you need. From the minute you walk up, you will notice a spacious private balcony, paver driveway, 3 car garage and tasteful landscaping. This house quickly becomes your home when you walk in and see the foyer has soaring ceiling height which draws your eyes up to the beautiful details of the railing. The gourmet kitchen features double ovens, rich colored cabinets and granite countertops. The family room provides a comfortable opportunity for gatherings. It offers 5 bedrooms, one of which is downstairs perfect for your guests and has 3.5 bathrooms. Upstairs the bedrooms are spacious especially the giant primary suite with a seating area. The backyard is huge with a nice grass area, pavers, a large custom built pergola with a natural gas plumbed fire pit.

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21721 N 85th Drive Peoria, AZ 85382

$825,000

5 Beds

3 Baths

3,811 SqFt

Status Active

MLS # 6768390

Property Type Single Family Residence

Price Type --

Fully renovated 3800sf home in the heart of Peoria* 5 bedrooms, 3.5 Bath* High vaulted ceilings* Designer tile in all the right places* Stunning custom kitchen with high grade slab granite, custom cabinets & stainless steel appliances* Family room is right off the kitchen* 4 large bedrooms and an open loft on the 2nd floor* Expansive grass backyard with pebble finish pool, covered patio, RV gate* 3 car garage* Cul-de-sac lot* Close walk to the excellent Peoria schools & parks* Come take a look at this great home!!!

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31224 N 167th Avenue Surprise, AZ 85387

$825,000

3 Beds

2 Baths

2,682 SqFt

Status Active

MLS # 6770863

Property Type Single Family Residence

Price Type --

check out this gorgeous home built by MBH. Enjoy the peace, quiet and tranquility of North Surprise. This high-quality Desert Contemporary home will NOT last long. Home has RARE PAVEMENT ACCESS on White Wing and 1.14 acres of land for all your toys. This home also comes with a detached CASITA for your in-law or at home business. Showcasing GRAY and White transitional interior design. This home offers 2200 sf main home with 482 sf detached casita equipped with full bath and kitchenette. Home has 3 Bedrooms, HUGE walk-in pantry with dry bar and RF nook and 2.5 Bathrooms. Upgrades EVERYWHERE! Amazing open concept layout, stunning foyer and gallery, rear entry drop zone. Laundry with master closet access. Separated split bedrooms for ultimate quiet and privacy. Gray shaker cabinetry with roll out trays. Waste cabinet. Black Farmhouse sink. Upper and Lower LED cabinet lighting. Quartz counter tops. Marble chevron backsplash. Frigidaire Gallery stainless steel 5 piece appliances. 8ft interior doors are painted gray. Luxury bathroom tile with free-standing Tub. Black Delta plumbing Fixtures. High rise toilets with soft close lids. Gorgeous light fixtures. HUGE 516sqft covered rear patio. home has it all and needs nothing.

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6814 N 185th Avenue Waddell, AZ 85355

$825,000

4 Beds

2.5 Baths

2,250 SqFt

Status Active

MLS # 6776290

Property Type Single Family Residence

Price Type --

Beautiful Ranch home on 2 acres of irrigated land! 2250 square feet with 4 bedrooms. Formal living room and dining room with fireplace and french doors leading to covered patio. Property has grass in front and back with large back pasture. 30x 40 metal garage with 3 additional outbuildings. Fencing all around the property perfect for all your animal needs. This home is a must see.

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