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

10538 E Sheffield Drive Mesa, AZ 85212

Open House

$825,000

6 Beds

3.5 Baths

4,002 SqFt

Status Active

MLS # 6754952

Property Type Single Family Residence

Price Type --

Through 11/3 the seller is offering 25K in seller concessions to help with rates! Why wait for a new build when you can get a home with over 150k in upgrades from a beautifully designed backyard to upgrades fixtures and a lot of Wall Designs to clearly make this home give off the WOW factor! Imagine living in a home that offers the best of both worlds - the convenience of single-level living with the added bonus of a second floor! This exceptional home features 5 bedrooms, 3.5 baths, and a 3-car garage. The First level has the Primary Suite and 3 additional bedrooms and 2.5 bathrooms. The second story offers a loft, two bedrooms, and a bath, that's perfect for accommodating guests or creating a private retreat

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2325 N 160th Avenue Goodyear, AZ 85395

Open House

$825,000

4 Beds

3.5 Baths

3,634 SqFt

Status Active

MLS # 6756042

Property Type Single Family Residence

Price Type --

PRICED TO SELL! PRISTINE 4 BEDROOM 3.5 BATH WITH POOL IN SOUGHT-AFTER GATED COMMUNITY OF PALM VALLEY! PREMIUM LOT BACKING TO GREENBELT! 3 CAR GARAGE! TENS OF THOUSANDS IN UPGRADES! This beautiful home boasts 10' ceilings throughout, open concept Kitchen/Great Room, Guest Suite, Game or Flex Room, Den, Formal Dining, 20'' tile floors, stone niche with gas fireplace, granite countertops, upgraded cabinets with crown molding, double ovens, gas cooktop, R/O system, pull-out shelves, split Primary Bedroom with walk-in shower and garden tub, 8' doors throughout, custom shades, and the list goes on. Relax and entertain in your private back yard with pool, pergola, built-in BBQ, covered patio, & landscape lighting. RV gate with paver pad included. Excellent location near shopping & restaurants!

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1547 W Vernon Avenue Phoenix, AZ 85007

Open House

$825,000

3 Beds

2 Baths

1,928 SqFt

Status Active

MLS # 6757540

Property Type Single Family Residence

Price Type --

MOTIVATED SELLER! Beautiful Tudor Revival home in the sought-after Del Norte Place Historic District. Enjoy versatile living w/ a den/flex space and a finished basement for expanded utility. This 1,928 sq ft residence features all NEW systems & sits just steps from Encanto Park. Timeless character meets modern convenience.Adorned with ORIGINAL scored concrete AND wood floors, it seamlessly blends vintage charm with modern amenities. Step inside to discover a gorgeous barrel ceiling echoing the arched front picture window, original scored concrete floors, complemented by vintage and period light fixtures, offering a warm ambiance throughout. Additionally, French doors from the living room open into a versatile den offering endless possibilities as a home office or a tranquil retreat. The kitchen is perfect for culinary enthusiasts; a 6-burner gas stove, oiled soapstone countertops, adorned with a marble backsplash and top of the line SS appliances. Spanning 1928 sq. ft., the home's vintage interior spaces beckon with a spacious formal dining room leading to the enchanting indoor/outdoor oasis of the covered patio and private sanctuary in the back yard. Downstairs, a large finished basement provides ample space for recreation or relaxation, catering to every lifestyle need. Discover the epitome of refined living in this peaceful neighborhood.

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3123 N 78th Street Mesa, AZ 85207

Open House

$825,000

4 Beds

2 Baths

2,325 SqFt

Status Active

MLS # 6774613

Property Type Single Family Residence

Price Type --

Drive up the long driveway to this amazing 1.3 acre north/south exposure lot with horse privileges. No HOA fees. Beautiful views! Current owner has lived in home for 22+ years. This wonderful 4 bedroom split floor plan home will need some updating but has been well taken care of. Don't miss this opportunity to buy this home and turn it into your dream home for years to come. Home backs to Rock Canyon at Las Sendas.

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1991 W Coconino Drive Chandler, AZ 85248

Open House

$825,000

4 Beds

3 Baths

3,037 SqFt

Status Active

MLS # 6726893

Property Type Single Family Residence

Price Type --

Tenants are out! Don't be concerned with days on market. The property was tenant-occupied and is now vacant and easy to show! Amazing opportunity to own a home nestled within the prestigious Watermark at Ocotillo Community. This spacious 4 bed 3 bath home is one of Camelot's most desirable models! Step into the heart of luxury through the stunning kitchen, with exquisite cabinetry, stainless steel appliances, & lavish granite countertops that define culinary sophistication. Upgraded flooring showcases a seamless blend of plush carpeting, tile, and modern luxury vinyl plank. Prime location near major freeways, great schools, and large employers. Enjoy everything the Ocotillo lifestyle offers!

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3649 N 56th Street Mesa, AZ 85215

$824,999

5 Beds

4.5 Baths

3,211 SqFt

Status Active

MLS # 6745144

Property Type Single Family Residence

Price Type --

Do not miss this almost brand new home built in the gated and resort style community of Reserve at Red Rock. Pull up to this beautiful home with a very welcoming elevation and style. This prime location is close to top rated schools, including the new ALA campus, 202 on-ramp, shopping, dining and golf courses in the area. Low maintenance landscaping, covered porch and wider paver driveway welcome you to your new home. Enter the upgraded iron door to beautiful flooring, fresh and bright colors and upgrades everywhere you look. Fantastic en-suite bedroom right off the front door is perfect for a guest room or generational living with its own bathroom and walk-in closet. Pass through to the well appointed kitchen with upgraded white shaker dovetail cabinets with soft-close cabinets with stainless steal appliances, extensive stone backsplash, unique matte granite counters and opens up to the dining and living rooms as well as the 4 panel slider heading out to the backyard. You'll feel the plush carpet as you head upstairs to view the remaining living space. The master en-suite offers a large bathroom and walk-in closet with custom designer tile and nicer finishes. 3 car tandem garage offers an EV outlet. Spend time to check out the multi-million dollar private clubhouse with a heated pool, spa, workout room, playgrounds, sport courts, trails, pickle ball courts and so much more.

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19021 W Lawrence Road Waddell, AZ 85355

$824,990

4 Beds

3.5 Baths

3,197 SqFt

Status Active

MLS # 6726645

Property Type Single Family Residence

Price Type --

An 11' ceiling at the Family Room and 16' Multi Sliding Glass Door, making this home perfect for the indoor/outdoor living that is so desired in Arizona. You can enjoy the bright and cozy feel of the Sunroom located off the Dining Room or venture out onto the large Extended Patio to enjoy the outdoors. Located on a Corner homesite, this special plan has many highly desirable upgrades, such as the Extended Family Foyer with Backpack Rack and upper cabinets which helps to keep belongings organized, Manhattan Drywall Finish with Square Drywall Corners and mitered Base Boards, Super Shower in Owner's Suite, Gourmet Kitchen with Gas Cooktop, upgraded cabinets and countertops, along with a custom backsplash and walk in pantry. Too many additional upgrades to list, make this home a Must See!

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5549 S Del Rancho -- Mesa, AZ 85212

$824,900

4 Beds

2.5 Baths

3,167 SqFt

Status Active

MLS # 6755822

Property Type Single Family Residence

Price Type --

Located in the premier gated community of Estates at Eastmark. This stunning single-level home offers a spacious layout w/3 bedrms, 2 versatile flex spaces + a den, perfect for a home office. The bright gourmet kitchen opens nicely to the living & dining areas, creating the ideal space for gatherings. The butler's pantry offers extended counter space and cabinet storage. The owner's suite is complete with a large walk-in closet & en-suite bathroom featuring dual vanities, separate tub & a walk-in shower. Step outside to your private, low-maintenance backyard oasis. Enjoy the extended patio, turf, & stylish pergola. The 3-car garage offers ample storage & parking space. Enjoy the Eastmark community with top-notch amenities including parks, pools, gym & highly-rated schools Residents of the Estates at Eastmark have access to their own community center with community pool and spa. It's also gated offering even more privacy. This particular home is adjacent to a large common area with easy access to walking paths throughout the community. Other features of this home include: Wood grain tile plank floors throughout main living areas with carpet in the bedrooms. Owned water softener, window coverings throughout, upgraded lighting fixtures and fans, stainless appliances including a 5 burner gas cooktop. Home offers 2 flex spaces (front parlor and additional play room or teen space) plus a den plus a dining room. Need 2 home offices plus a kids area? Done! Or use one space as a library or music room! Endless opportunities! Eastmark has easy access to Loop 202, Mesa Gateway, shopping, schools, restaurants, you name it!

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15832 E Brittlebush Lane Fountain Hills, AZ 85268

Open House

$824,900

2 Beds

2 Baths

2,203 SqFt

Status Active

MLS # 6768184

Property Type Single Family Residence

Price Type --

Stunning home on a golf course lot in prestigious SunRidge Canyon! This 2,203 sq ft home offers 2 bedrooms, den, 2 baths and heated SPOOL. Custom glass door entry door welcomes you to the spacious living area with gas fireplace. Huge chef's kitchen features Thermador SS luxury appliance package, refinished cabinetry, tile backsplash & R/O system. Step outside to a large covered patio, built-in BBQ grill, gas fire pit and sparkling SPOOL (small pool/spa) with a beautiful water feature. A true entertainer's delight offers great mountain and golf course VIEWS! You'll love the natural light, soaring ceilings, plantation shutters & wood-look plank tile flooring throughout. Double doors lead to a huge master suite. Updated master bath has walk-in shower w/custom glass door, soaking tub, double ramp sinks & Toto toilet. Guest bath is also updated with tile shower, ramp sink & Toto toilet. Den makes for a great office w/custom built-in desk and cabinets. Laundry room offers lots of cabinets for storage. Don't miss out on this home, it won't last long!

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1841 W Honeysuckle Lane Chandler, AZ 85248

Open House

$824,900

4 Beds

2 Baths

2,592 SqFt

Status Active

MLS # 6776876

Property Type Single Family Residence

Price Type --

Welcome to this charming single-story home, perfectly situated on a spacious corner lot! This inviting property features four bedrooms and two bathrooms, offering both comfort and convenience. Step inside to find beautiful wood flooring that flows seamlessly through the main living areas, complemented by stylish tile in key spaces for an elegant touch. The open layout is perfect for entertaining, with a spacious living room and a modern kitchen ready for gatherings. Outside, enjoy your own private oasis—a sparkling pool awaits in the backyard, ideal for relaxation or weekend fun. With a prime location of chandler Just Reduced 25k

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2505 Dillon Boulevard Chino Valley, AZ 86323

$824,575

4 Beds

3.5 Baths

2,844 SqFt

Status Active

MLS # 6779267

Property Type Single Family Residence

Price Type --

Situated on a 1-acre homesite with an East facing backyard this home provides 4-bedroom 3-1/2 bath, formal dining, breakfast area and roomy family room. Enjoy travel? We have an RV space just for you along with plenty of open space to build your own oasis. This property has a bedroom with its own bathroom and walk-in closet is perfect for overnight guests. Heritage Pointe offers 7 distinct floorplans, modern amenities, open-concept layouts with designer finishes. You won't want to miss out; plan a visit with us today.

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1010 Quicksilver Drive Prescott, AZ 86303

$824,500

3 Beds

2 Baths

2,189 SqFt

Status Active

MLS # 6705949

Property Type Single Family Residence

Price Type --

Fantastic home in Copper Canyon Village just minutes from downtown Prescott. This lovely home offers a large living room with gas fireplace, a completely remodeled kitchen with a breakfast niche and formal dining room. the kitchen is equipped with stainless Thermador appliances (gas range/oven & vent hood, microwave, dishwasher & built-in fridge), large corner pantry, custom cherry cabinetry, tile backsplash and granite counter tops. Owners suite situated in its own hall, with dual closets, a garden tub, shower, & separate vanities. Large owners room has access to back patio. Home offers two additional bedrooms AND an office with built-in shelving & a balcony with views. Enjoy the views from the front patio or the private natural settings on the pack patio. Xtra deep 2 car garage/workshop

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