4 Things You Absolutely Should Not Do After You Apply for a Mortgage

4 Things You Absolutely Should Not Do After You Apply for a MortgageIf 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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1749 E Medlock Drive Phoenix, AZ 85016

$819,900
4 Beds
2 Baths
2,024 SqFt
Status Active
MLS # 6763717
Property Type Single Family Residence
Price Type --
Welcome Home! Charming 4 bed, 2 bath (cul-de-sac) home in highly desirable 18th St/Camelback Corridor neighborhood is perfect for any owner occupant or can be used as a cash-flowing income producing vacation rental! Beautiful flooring, tons of character and niches thru-out. This home is open and bright with a kitchen that features granite counter-tops, recessed lighting, raised-maple cabinets, undermount sink with stainless steel gas appliances. Newer A/C and covered patio/gazebo to sit and enjoy the relaxing heated, fenced and recently remodeled diving private pool. Super private yard and no direct neighbors. Don't miss out on this one!

4730 E Desert Forest Trail Cave Creek, AZ 85331

$819,900
3 Beds
2 Baths
2,056 SqFt
Status Active
MLS # 6750376
Property Type Single Family Residence
Price Type --
Welcome to this delightful 3-bedroom, 2-bath home set on just over an acre, offering both privacy and tranquility. The interior features travertine floors and a great room with vaulted ceilings, creating a spacious feel. The kitchen boasts granite countertops and stainless-steel appliances, with ceiling fans throughout for added comfort. Perfect for those who love outdoor living, this property includes a covered patio and an entertainer's backyard with a fireplace, built-in BBQ area with a pizza oven, space for a refrigerator, bar seating, and ample room to add a pool. The 2-car garage offers floor-to-ceiling storage cabinets for plenty of storage space. Conveniently located close to all the amenities of the city.

809 W St Moritz Drive Payson, AZ 85541

$819,900
5 Beds
3 Baths
3,343 SqFt
Status Active
MLS # 6725287
Property Type Single Family Residence
Price Type --
Beautiful furnished remodeled home with 2 extra bedrooms and a full bath in basement 2 extra storage closets as well. Kitchen and bathroom remodeled with white shaker cabinets and extra pantry cabinets in kitchen. New vinyl plank flooring in basement, tile in laundry room and bathrooms. Five Panel doors, Large game room in walk out basement. Large primary closet with barn door. 2 large decks, views of the mountains. Fire pit area. 2 gas fireplaces and fenced dog run. Hook ups for kitchenette downstairs. Plans for 3rd car garage. New kitchen appliances, new washer and dryer, new carpet, new leaf filter gutters, new landscaping, new sun screens on all windows, new whole house filtration system/softer, decks refinished, new roof, new interior and exterior paint, overhead storage in garage.

17992 W Willow Drive Goodyear, AZ 85338

$819,900
3 Beds
2.5 Baths
2,562 SqFt
Status Active
MLS # 6751800
Property Type Single Family Residence
Price Type --
Step into the lifestyle of your dreams with this FULLY REMODELED, open-concept gem by TW Lewis, nestled in the highly sought-after gated Fairways neighborhood of Estrella! This isn't just a home—it's a complete experience. Every inch of the interior has been meticulously transformed into a custom haven, featuring luxurious high-end finishes that radiate modern elegance from the moment you walk through the front door. Imagine living in a space where style meets sustainability, with FULLY OWNED SOLAR panels that provide NEGATIVE AVERAGE MONTHLY ELECTRIC BILLS! Gorgeous luxury wood plank floors flow seamlessly throughout the home, leading you to a gourmet kitchen that's every chef's fantasy. Picture yourself preparing meals with top-of-the-line commercial-grade stainless steel appliances, surrounded by stunning quartzite countertops, floor-to-ceiling custom cabinetry with custom pull-out shelves, and an array of designer features like a pot filler, instant hot water, and pantry. The primary retreat is your personal sanctuary, a place where you can unwind and recharge in the oversized walk-in tiled shower with a rain showerhead or soak your cares away in the standalone deep soaking tub. Even the half bath and laundry room make a statement with chic patterned tile flooring that adds a fun, modern twist. Need extra space? The spacious office/den can easily become a 4th bedroom, thanks to a stylish barn door that offers privacy for guests. And then there's the backyard, a true Arizona oasis that invites you to enjoy the outdoors all year round. Dive into the heated spa/pool, relax by the rock water features, or challenge friends to a game on the putting green. Entertain in style with the built-in BBQ, all while soaking in breathtaking mountain views. But the perks don't stop at your doorstep! Living in Estrella means access to resort-style amenities that make every day feel like a vacation, two resident centers, fitness facilities, community pools, splash parks, miles of hiking and biking trails, numerous parks, two lakes, shopping, dining, and so much more! Don't let this incredible opportunity slip away, this home is more than just a place to live, it's a lifestyle waiting to be embraced. Come see it before it's gone!

13243 W Milton Drive Peoria, AZ 85383

$819,900
2 Beds
2.5 Baths
2,080 SqFt
Status Active Under Contract
MLS # 6755455
Property Type Single Family Residence
Price Type --
ELEVATED VIEW LOT with FANTASTIC MOUNTAIN VIEWS from the ENTERTAINER'S BACKYARD. 2020-built 'Lumina' like brand-new has OUTSTANDING upgrades & features PLUS ADDITIONAL HIGH-END FEATURES ADDED IN 2022-23. You & your guests will love the VIEWS while enjoying the OUTDOOR GAS FIREPLACE w/stacked stone(2023), BUILT-IN BULL GAS BBQ(2022) w/privacy wall(2023) & the extended travertine paver patio w/GAS FIREPIT. Faux grass, full fence & beautiful landscaping enhance this PRIVATE backyard. From patio enter through MULTI-SLIDE GLASS DOORS to great room & view the fabulous focal point ELECTRIC FIREPLACE (2022) w/ floor to ceiling TILE WALL behind. STRIKING CHEF'S KITCHEN w/ QUARTZ COUNTERTOPS, subway tile backsplash, GE Profile BUILT-IN S/S APPLIANCES, GE Monogram stainless vent hood & GLASS & TILE backsplash behind the GAS cooktop. EXTENDED CABINETRY with 42-in. uppers & rollouts provides abundant storage. APRON SINK & CUSTOM PENDANT LIGHTS. WOOD-LOOK PLANK PORCELAIN TILE FLOORS plus textured low-nap carpet in bedrooms. Primary suite has large bedroom with VIEWS, beautifully upgraded bath enhanced with QUARTZ countertop, dual Memoirs square cast-iron sinks, shower tiled to ceiling w/WATERFALL INSET. All baths, including half-bath, have Memoirs ELEVATED TOILETS. En-suite guest room has upgraded bath w/QUARTZ countertop & TILE tub/shower surround. Fabulous SMART SPACE(tm) provides even more storage, plus washer, dryer, sink & WALK-IN PANTRY. Versatile enclosed den with double doors. Outdoor trash enclosure. CLOSE TO DOG PARK & MITA CLUB. This home is a gem! Home is located in award-winning gated, 55+ Trilogy at Vistancia with 5-star-resort style amenities at the 35,000 SF Kiva Club with indoor & outdoor pools, fitness center, day spa, cafe, billiards, meeting rooms, library, tennis courts, pickle ball, bocce ball, events & a plethora of activities to choose from. Outstanding Gary Panks-designed golf course is woven throughout the original part of the neighborhood. The Mita Club has additional outstanding community amenities. Easy access from Trilogy to the 303, shopping, restaurants, entertainment, Lake Pleasant & Paloma Park, Peoria's huge community park loaded with amenities.

9799 W Rowel Road Peoria, AZ 85383

$819,500
4 Beds
2.5 Baths
2,744 SqFt
Status Active
MLS # 6746346
Property Type Single Family Residence
Price Type --
**READY TO SELL** DESIRABLE 'LANCASTER' FLOORPLAN W/GREATROOM, SPLIT MASTER, DEN & TEEN AREA + INSTANT CURB APPEAL W/STONE ACCENTS, PAVER DRIVEWAY & GREEN TURF YEAR ROUND IN A GATED COMMUNITY. INTERIOR FEATURES INCLUDE TILE FLOORING, RARE MONTE CRISTO SATIN GRANITE C/TOPS, GRAY SOFT-CLOSE CABINETRY W/PULLOUTS, 8-FOOT INTERIOR DOORS, PLANTATION SHUTTERS, KITCHEN ISLAND W/BAR SEATING & PENDANTS ABOVE, GAS RANGE, CUSTOM METALLIC EPOXY FLOOR COATING IN THE GARAGE, INSIDE LAUNDRY ROOM W/SINK + CABINETS. OUTSIDE YOU'LL FIND A FRONT GATED COURTYARD, RV GATE, REAR PATIOS, BOTH FULLY COVERED & PERGOLA STYLE AND GARDEN AREA. NORTH PEORIA LOCATION JUST OFF THE 'FOUR CORNERS' CLOSE TO SHOPPING, DINING & ENTERTAINMENT ALONG WITH DESIRABLE PUSD SCHOOLS! KEEP READING THE SUPPLEMENTAL REMARKS... NEW 18-SEER A/C UNIT, NEW WATER HEATER, WATER SOFTENER, CUSTOM IRON SECURITY SCREEN DOORS AND AT THE COURTYARD ENTRY, EXTERIOR COACH LIGHTS, RAIN GUTTERS, UNDER EAVE POWER OUTLETS FOR HOLIDAY DECOR, INSULATED 3G TANDEM GARAGE HAS SIDE DOOR AND OVERHEAD STORAGE RACKS, FIRE SPRINKLERS AND PAVER HARDSCAPE IN THE BACKYARD AND ON PATIO. ADDITIONALLY INSIDE IS A WALK-IN FOOD PANTRY W/FROSTED GLASS DOOR, STAINLESS APPLIANCES, SATIN NICKEL HARDWARE & FIXTURES, CEILING FANS, TALLER VANITIES IN THE BATHROOMS WITH DUAL SINKS IN MASTER & GUEST, WALK-IN CLOSETS IN THREE OF THE FOUR BEDROOMS, BUILT-IN SPEAKERS & SURROUND SOUND INSIDE AND OUT, TALLER BASEBOARDS WITH TWO-TONE PAINT SCHEME, UNDER CABINET LIGHTING IN THE KITCHEN, AMPLE RECESSED CAN LIGHTING, SECURITY SYSTEM, BRICK STYLE TILE IN THE ENTRY, BATHROOMS AND LAUNDRY ROOM. NEIGHBORHOOD HAS A PARK WITH PLAYGROUND, RAMADA AND GRASS SPACE.

1501 N Miller Road Unit 1006 Scottsdale, AZ 85257

$819,000 - 3Br/3Ba -  for Sale in Vistas Of Scottsdale, Scottsdale
Open House
$819,000
3 Beds
2.5 Baths
2,080 SqFt
Status Active
MLS # 6780958
Property Type Townhouse
Price Type --
NEW HOMES DELIVERING NOW. The Magic of Vistas of Scottsdale. A boutique Enclave of only 16 private, luxury homes in the Heart of Scottsdale - Location is Everything. Open spaces, clean lines & abundant glass create a design experience to merge the indoors and outdoors. Vistas of Scottsdale are curated with a discerning eye using warm, organic tones and natural textures focusing on the personal nature of the home as a retreat. Sweeping Mountain Vistas are captured from the 580sf roof terrace and unique floating overlook to rival a hotel/restaurant environment. The 30ft wide main living area provides unparalleled openness and light. The builder's vision from the inception was to focus on incorporating premium materials to create an innovative Scottsdale lifestyle.

18009 E Silver Sage Lane Rio Verde, AZ 85263

$819,000
2 Beds
3 Baths
2,093 SqFt
Status Active
MLS # 6727868
Property Type Single Family Residence
Price Type --
Welcome to your dream home in the heart of prestigious Trilogy at Verde River. This home has it all! This easy and generous IRONWOOD floor plan offers 2 Upscale bedrooms, Large Den/Study, 2.5 bathrooms, and countless upgrades throughout. Beautiful design elements are apparent from the moment you arrive and not a detail has been overlooked either inside or out. The stylish kitchen, loaded with Stainless Steel Monogram Gourmet Appliance Package, quartz island, stunning upgraded cabinets with soft close doors, apron front farm sink, decorative backsplash, under-cabinet lighting and walk-in pantry leaves absolutely nothing to be desired. You'll appreciate the attention to detail and luxurious touches throughout that make this home truly special including upgraded tile flooring, white shutters throughout, custom lighting, 8' ft. solid core interior doors, two tone paint, 15 SEER AC unit, upgraded Hall of Frames mirrors in all the bathrooms, built-in cabinets in the garage and more. The Great room opens to an outdoor living room with a Multi Slide Wall of Glass for optimal Arizona indoor-outdoor living. The private South facing backyard is a true oasis with extended patio and soothing water feature for quite moments of reflection or joyful entertaining. Trilogy at Verde River offers upscale Resort living at its finest and the very best of all possible worlds, close to the conveniences of affluent North Scottsdale, yet secreted within the pristine privacy of the Sonoran Desert. The amenities are World Class with Tom Lehman inspired eighteen-hole Golf course, tennis courts, pickle ball courts, and bocce ball, heated lap pool and Resort style swimming pool, hot tub, Afterburn fitness center, Helen's demonstration Kitchen for cooking classes and a 7.5 acre dog park. The community center has casual poolside dining at Eddy's Diner and gourmet dining at award-winning Needle Rock Kitchen and Tap, Alvea Spa with full-service Salon and Spa amenities, Art Loft and events center. Trilogy at Verde River is adjacent to the Tonto National Forest and is situated in the middle of miles and miles of hiking and biking trails. Whether you're seeking a second, winter home, or will live here year-round, Trilogy at Verde River is an ideal distance from the hustle and bustle of North Scottsdale. Attitudes here are different; there's a sense of community. You'll love the Resort living! What memories will you make?

4188 N 182nd Lane Goodyear, AZ 85395

$819,000
4 Beds
3.5 Baths
2,599 SqFt
Status Active
MLS # 6779743
Property Type Single Family Residence
Price Type --
Gorgeous former model home. Gourmet kitchen with large quartz countertops, large island, stainless steel appliances, butler pantry, and high-end cabinets. Spacious layout with split master bedroom. Wood plank tile & crown molding throughout. Backyard paradise with covered travertine patio and pool area with gas dual-sided fireplace, heated saltwater pool and spa. Owned Solar!

930 W Yellowstone Way Chandler, AZ 85248

$819,000
4 Beds
3 Baths
2,746 SqFt
Status Active
MLS # 6780878
Property Type Single Family Residence
Price Type --
Come home to an oasis on the water! This gem of a home in Echelon at Ocotillo is so livable! Three spacious bedrooms and a loft are upstairs; a guest rm and 3/4 bath are down. Open kitchen features an island, dbl ovens and gas cooktop and makes entertaining a breeze. Open the sliding French doors to the bkyrd for indoor/outdoor living. Lots of windows w/elegant shutters (no tilt rods!) Whole house water filtration. All in a beautiful community close to Intel, shopping, dining, and just a few miles from 101 access.

312 E Windsor Avenue Unit 4 Phoenix, AZ 85004

$819,000
3 Beds
3 Baths
2,200 SqFt
Status Active
MLS # 6652432
Property Type Townhouse
Price Type --
Our eyes are made to see forms in light: light and shade reveal these forms. Rising like the sun over Midtown Phoenix is Soleil. Inspired by Original Modernism; built for connoisseurs of live, work, play. There's a renaissance going on in PHX and you can be close to it all. Uber or light rail yourself to 3 rd Street Promenade and into secluded hidey holes! And when you need to unwind? You're 15 minutes away from exciting, desert hiking trails. It's here you'll witness sun-setting colors pour and splash themselves all over the Sonoran Desert.

2318 E Carlise Road Phoenix, AZ 85086

$819,000
4 Beds
3 Baths
2,987 SqFt
Status Active
MLS # 6711439
Property Type Single Family Residence
Price Type --
Outstanding Santa Fe style home on acre plus loaded with space and privacy! Located in the desirable east Desert Hills on private dead-end road, this property has city water and no HOA! Walking distance to Cave Creek Regional Park trails. Large Master bedroom with gas fireplace, personal exit to back patio, and beautiful travertine accented bathroom with jet tub. Guest quarters with private exit to rear patio. Two additional bedrooms share a Jack and Jill style bath. Wide open living room floor plan with gas fireplace. New carpet and window coverings throughout home. This large property is a blank canvas for a pool, horse setup or workshop. Plenty of storage space with 4 car garage. Covered back patio faces North with a gas fireplace. New Trane AC Unit's installed 12/2018.

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