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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Sort by: Select Price, Low to High Price, High to Low Newer Listings First Older Listings First Open House Date

7640 E Golden Eagle Circle Gold Canyon, AZ 85118

$825,000

3 Beds

3 Baths

2,382 SqFt

Status Active Under Contract

MLS # 6644783

Property Type Single Family Residence

Price Type --

2ND PRICE REDUCTION! MOTIVATED SELLER! Superstition Mountain villa with MOUNTAIN VIEWS!. OFFERED FURNISHED! Very PRIVATE lot with views of the 9th hole of the Prospector Golf Course. WALKING DISTANCE TO THE CLUBHOUSE! Three bedrooms, one being a separate guest Casita, and 3 baths. OPEN KITCHEN, DINING, GREAT ROOM LAYOUT. Granite counter tops in the kitchen, wood beams in the great room, wood shutters and pleated shades throughout the home. Carpet in the bedrooms have been replace with wood floors. EXTENDED PATIO WITH FIRE PIT AND PLENTY OF ROOM FOR OUT DOOR SEATING. TWO JACK NICKLAUS GOLF COURSES! Not a golfer? Enjoy pickle ball, tennis, bocce, hiking and many other activities. You will love it here! Cub amenities under a separate agreement. 24 HOUR GUARD GATED COMMUNITY!. 35 minutes to Sky Harbor and 20 minutes to Mesa Gateway airports. Buyer and buyer's agent to verify all pertinent information including square footage.

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28917 N 66th Avenue Phoenix, AZ 85083

$825,000

4 Beds

3 Baths

2,967 SqFt

Status Active

MLS # 6710471

Property Type Single Family Residence

Price Type --

Stunning next-generation home in the Pyramid Peak subdivision with endless mountain views. The Next gen Suite has 1 bedroom/1bath, dedicated AC unit, vinyl plank flooring, kitchenette, living area,separate entry, hookup for stackable washer/dryer and dedicated 1 car garage. Perfect for multi-generational living or having guests or an extra office. The Main home is split floor plan with 4 spacious bedrooms one bedroom is set up as a dedicated office and 2 full bathrooms. Kitchen is a chefs dream with white cabinetry, stunning quartz countertops, huge island for entertaining, stainless steel Monogram appliances with 6-burner gas stove, perfect for culinary enthusiasts. Enjoy seamless indoor-outdoor living with a stunning wall of patio doors that open to the backyard.... step outside to enjoy your private paradise featuring a heated pool and spa with a stunning stone backdrop and tranquil waterfall featureideal for relaxation and entertainment. Covered patio with an extended paver patio, dog run on the side yard with easy care artificial turf. This home combines luxury and practicality, offering a unique and versatile living space. Don't miss the opportunity to make this stunning property your own.

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5327 W Paradise Lane Glendale, AZ 85306

$825,000

4 Beds

3.5 Baths

2,360 SqFt

Status Active

MLS # 6775268

Property Type Single Family Residence

Price Type --

**HIGHLY MOTIVATED SELLERS, SIGNIFICANT PRICE REDUCTION** Perfect for horse lovers on nearly an acre with NO HOA. Sunburst Farms Gem. This fully updated, move-in ready 4-bed, 3.5-bath home is a rare find in the desirable Sunburst Farms Subdivision. Inside, the home features a bright kitchen with granite counter tops, large island, and stainless steel appliances. The tri-level design offers ample living space, Master bedroom on upper level. Outdoors, enjoy a sparkling pool with a custom rock slide. Also featuring a large covered patio with a great grill area making it the perfect outdoor gathering spot. The sparkling pool with custom rock slide features another large ramada providing perfect shade protection all summer long. Updated features include new flooring (2015), heating/cooling (2015), fully renovated kitchen and baths (2015), heating/cooling (2015), fully renovated kitchen and baths (2015), and complete remodeled pool with custom rock slide (2020). This irrigated, expansive property boasts horse corral with stalls backing onto a bridle trail with direct access to an equestrian park. Chicken coop. Plenty of room for all your toys, RVs, and boats. This is a must-see home that won't last long! There are many more details, too many to list.

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879 E Loma Vista Street Gilbert, AZ 85295

$825,000

5 Beds

3 Baths

2,773 SqFt

Status Active

MLS # 6772047

Property Type Single Family Residence

Price Type --

What an incredible 5-bed, 3-bath home on over 1/3 acre exuding charm! New AC's, Extra long driveway, RV gate, & RV parking. Bring all your toys! A welcoming living room with a high ceiling and panoramic windows is perfect for entertaining guests, while the family room w/gas fireplace & cozy loft are ideal for intimate gatherings. The kitchen has an island w/breakfast bar, granite counters, SS appliances, a walk-in pantry, & plenty of cabinets. Double doors open to the main retreat to find an ensuite boasting a dual sink vanity, roll-in shower, & walk-in closet. A bedroom & full bathroom await downstairs for added comfort! Oversized backyard offers covered patio w/Ramada extended, artificial lawn, playground, & a blue pool w/boulder waterfall, slide, & grotto as the heart of the backyard.

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5209 N 145th Drive Litchfield Park, AZ 85340

$825,000

5 Beds

4.5 Baths

4,473 SqFt

Status Active

MLS # 6736383

Property Type Single Family Residence

Price Type --

Amazing move in ready Gem in the heart of Litchfield park and REDUCED PRICE 10/3. This one has 5 large Bedrooms, full Casita with separate entrance downstairs, 4.5 baths, huge loft, master down, and a 3 Car Tandem Garage nestled in the enclave of exquisite estates & Amenities. Gourmet Kitchen features gas cooking and stainless appliances with no homes in backyard for maximum privacy. Kitchen featuring a large Granite Island, In wall Oven and microwave, Gas Cooktop, walk-in Pantry & Butlers Pantry. The expansive upstairs loft welcomes oversized bedrooms with seperate walk in closets including jack and Jill bath between two of the bedrooms and another bedroom with a private bath! Indulge in the Outdoor Pool, upgraded landscape including synthetic turf and putting green!

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26446 N Avenida Del Ray -- Rio Verde, AZ 85263

Open House

$825,000

3 Beds

2.5 Baths

2,716 SqFt

Status Active

MLS # 6778623

Property Type Single Family Residence

Price Type --

Fantastic Old World style home with cast iron & glass front door, all the best upgrades, travertine floors, Granite counters, center island, walk in pantry with frosted glass door, smooth cooktop, & upgraded stainless steel appliances & free standing range hood in the gourmet kitchen. 3 Bedrooms and 2.5 baths Large open Greatroom plan with lighted Niche wall. Deluxe tile and light fixtures in all the baths. Walk in closets in all bedrooms. Large 3 Car garage with extra storage room. Real wood plantation shutters through out the house, 8 ft. solid wood doors & 10 ft. ceilings. Front courtyard, back patio and driveway have pavers. Laundry room with washer & dryer, closet and abundant cabinets. Located near the entrance to McDowell Mountain Regional Park for hiking & biking. HURRY! Furniture is available for purchase on a separate bill of sale.

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31020 N 5th Street Phoenix, AZ 85085

Open House

$825,000

4 Beds

2.5 Baths

3,028 SqFt

Status Active

MLS # 6779678

Property Type Single Family Residence

Price Type --

** FREE 1% RATE BUYDOWN FOR THE FIRST 12 MTHS** A message from the sellers: ''We love the location of this home! The community is gated and is very family friendly which was important to us. The park is amazing and has a splash pad, two playgrounds and BBQ pits. The community holds several events throughout the year it makes it a super fun place to live. The home itself lent well to the fact that we love to entertain and the layout was perfect for that!'' Located in the serene Sonoran Gate gated community surrounded with stunning desert views, this spacious home is ideal for those who love to entertain. Its generous floor plan flows seamlessly from room to room, making gatherings a breeze. Every detail reflects custom craftsmanship, with upgrades throughout that bring both style and comfort. Outside, a sparkling pool awaits complimented by an outdoor kitchen area and gas firepit, making this the perfect outdoor space. The solar lease helps keep energy costs low with APS savings with summer bills at just $200.00 Embrace the peace and beauty of the surrounding desert landscape in a home designed for both relaxation and celebration.

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13118 W Santa Ynez Court Sun City West, AZ 85375

Open House

$825,000

2 Beds

2.5 Baths

2,784 SqFt

Status Active

MLS # 6763359

Property Type Single Family Residence

Price Type --

Nestled in the majestic Active Adult Gated Community of Corte Bella, this luxurious Figueroa model home is now available for sale, inviting you to embrace a lifestyle marked by elegance and comfort. The home sweeps across 2,784 sq. ft. featuring 2 spacious bedroom suites with 2 well-appointed bathrooms, and separate guest powder room each reflecting a commitment to quality and design. As you approach the home, you're greeted by a stunning brick-paved driveway leading to a duo of custom entryways, one of which boasts a charming fountain, setting the stage for the grandeur within. The 3-car epoxy garage offers ample space for vehicles and storage. Step inside to discover a haven where every detail is meticulously designed for ultimate comfort and leisure. The great room's cozy fireplace invites you to relax, while the chef's kitchen is a culinary delight with granite countertops, upgraded cabinetry, a garbage compactor, recently updated appliances including a Microwave and Dishwasher in 2022, a large island, and high-end amenities including a gas range. Additional luxury features include a built-in fridge wine fridge, butler's pantry, and a generous walk-in pantry. The circular nook seating and updated fixtures enhance the home's allure, providing a perfect space for dining and gatherings. The primary suite is a retreat of its own, offering direct access to the patio and pool area, ensuring privacy and tranquility. The primary bathroom features a tiled snail shower with large soaking tub, crafted for a spa-like experience. The second suite impresses with a walk-in closet and updated bathroom fixtures. Outside, the resort-style pool with a waterfall, resurfaced bottom in 2022 and new rock wall, along with the spa, multiple patios, built-in BBQ, and lush landscaping create an outdoor oasis perfect for relaxation or entertaining. This home is not only a standout residence within Corte Bella but a remarkable opportunity to acquire a property where luxury meets lifestyle, ready to offer its new owners a sophisticated, comfortable living experience.

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2701 N Black Rock Road Buckeye, AZ 85396

Open House

$825,000

4 Beds

3.5 Baths

3,194 SqFt

Status Active

MLS # 6777357

Property Type Single Family Residence

Price Type --

Welcome to luxury living in the master-planned community of Verrado, where this single-story, OWNED SOLAR, pool home awaits. This residence offers a perfect blend of elegance and functionality. Enjoy an open view fence with stunning mountain and city views. Step inside to discover an open and floor plan with a flex living space, perfect for versatile living arrangements. The second living room features three separate bedrooms and two baths, while additional highlights include an office and a dining room with a slider leading to a side patio. Updates include new paint both inside and out, brand new carpet, new water heater, misting system, custom sliders, dog door/dog run, new pool salt cell and a professionally designed master closet. This unique opportunity doesn't come around often!

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1926 W Chisum Trail Phoenix, AZ 85085

Open House

$825,000

3 Beds

2.5 Baths

2,567 SqFt

Status Active

MLS # 6779639

Property Type Single Family Residence

Price Type --

Welcome to the charm of a historic neighborhood w/the vibrancy of modern living! This corner lot home boasts nearly 2,600sf of open living space in a vibrant, neighborly community. The keenly designed floor plan features an elegantly appointed owner's en-suite, open loft, and chef's kitchen w/an expanded island, granite countertops, high-end upgrades & wine cooler. Enjoy tile plank flooring & high-end carpet throughout. The landscaped front yard boasts lush plants & turf, while the custom backyard oasis includes travertine pavers and heated play pool w/LED lighting & serene water features. Community amenities enhance the lifestyle with a clubhouse, biking & walking paths, sports (pickleball) courts, an enclosed dog park, and a community pool & splash pad. Includes unique private driveway!

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8728 E Via De Viva -- Scottsdale, AZ 85258

Open House

New

$825,000

3 Beds

2 Baths

1,702 SqFt

Status Active

MLS # 6782496

Property Type Townhouse

Price Type --

Welcome to a Rare Find in Historic Sands North. This remarkable property is on the market! Discover classic Arizona-Modern architecture in this beautifully preserved single-level 1972 townhome, part of Scottsdale's famous E.T. Wright development. Architectural details shine throughout, from the welcoming front courtyard to the optimized floor plan with spacious rooms, gorgeous hardwood flooring, a refreshed kitchen with soft gray cabinetry, and 2 fully remodeled bathrooms. Home Highlights: Classic Mid-Century Design, Generous Living Spaces with oversized owner's retreat. Large backyard complete with private pool. New mid-century lighting fixtures and fresh paint throughout. The community has a heated pool, private RV storage lot, and gated access to Salt River Fields. Superb Location: Minutes to high-end Scottsdale shopping, dining, McCormick-Stillman Railroad Park, Ritz-Carlton PV Resort, and Palmeraie Shops. Don't miss the chance to own paradise in Scottsdale Sands North.

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8638 E Paraiso Drive Scottsdale, AZ 85255

Open House

$825,000

2 Beds

2 Baths

1,642 SqFt

Status Active

MLS # 6755844

Property Type Single Family Residence

Price Type --

Charming, one of a kind free standing home in highly sought after LaVida. Fabulous location! Beautiful front courtyard, small park, community pool, tennis courts and ramada. Recent updates throughout completed the past two months. New carpet, paint, renovated Saltillo tile, new epoxy garage floor, etc. Move in Ready. Refrigerator, washer, dryer are negotiable. Main plumbing line replaced February, 2024 One Gated entrance at Pima Road for residents only.

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