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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22838 N De La Guerra Drive Sun City West, AZ 85375

$819,000

2 Beds

2.5 Baths

2,784 SqFt

Status Active

MLS # 6689724

Property Type Single Family Residence

Price Type --

Reduced Price! Golf Course Beauty w/3 car garage & courtyard. Upscale Figueroa Model, nestled in a desirable interior location of Corte Bella on the 13th fairway! 10 ft ceilings, 8ft interior doors, 2 ensuites, den and powder room. Casual dining with a view of the course + formal dining in the gathering room! Butler pantry including beverage cooler, walk-in pantry/torage closet & huge laundry room w/cabinets galore! Kitchen has a huge island w/ prep sink. Top of the line, stainless steel appliances, counter depth fridge, breakfast nook. Massive outdoor living space designed for daily enjoyment & entertaining. This will become your favorite place to end the day of you as you enjoy the colorful AZ sunset. Some furniture available outside of escrow. Corte Bella Country Club is 45+ is a guard-gated Del Webb community. Offering 2 restaurants & bars, a fitness center, heated pool & spa, locker and shower rooms, day spa, tennis, pickleball, bocce ball, social HOA activities and planned excursions and special interest clubs. Corte Bella Golf Club is a semi-private club. Corte Bella residents may NOT use the recreation facilities in Sun City West but may play golf on the SCW public golf courses. Corte Bella is well known for its award-winning golf course, restaurant, and amenities.

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8727 E Jasmine Street Mesa, AZ 85207

$819,000

3 Beds

3 Baths

2,321 SqFt

Status Active

MLS # 6749706

Property Type Single Family Residence

Price Type --

Big Price Reduction!!! Welcome to this amazing home in the highly desirable gated community of Valencia at Mountain Bridge. Featuring 3 bedrooms, 3 baths, and 3 car extra deep tandem garage. This spacious residence includes a gourmet kitchen with granite countertops and a large island, beautiful greatroom floorplan plus a den, perfect for a home office or additional living space and so much more.. The open great room overlooks a beautifully landscaped backyard with view fencing, offering serene desert and mountain views. Located just around the corner and within walking distance of the awesome clubhouse with heated pool, spa, fitness center, pickleball and tennis courts, playground, walking trails and so much more. Don't wait because this gem will not last.

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2986 E Linda Lane Gilbert, AZ 85234

$819,000

4 Beds

2.5 Baths

2,715 SqFt

Status Active

MLS # 6767355

Property Type Single Family Residence

Price Type --

If you've ever thought about owning your dream home in highly sought after Higley Groves West, then this is your chance! This home has it all. The backyard is an entertainer's paradise complete with gorgeous views and pool, built in BBQ, and a firepit. The home is spacious and laid out well. The split master has his/her closets, tub, and shower, plus a bedroom exit to enjoy morning coffee on the beautiful patio with serene views. The large family room welcomes you light and bright and perfect views of the backyard oasis. Kitchen is equipped with double ovens, large island, eat in breakfast bar into the family room with fireplace for the cozier life moments. Bedrooms are spacious. Upgrades like plantation shutters throughout and crown molding make this home even more beautiful. Brand new ice maker machine was just installed in the kitchen. This home is turn key and ready for its new owners.

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22404 N 98th Avenue Peoria, AZ 85383

$819,000

4 Beds

2.5 Baths

3,200 SqFt

Status Active

MLS # 6767504

Property Type Single Family Residence

Price Type --

Welcome to this stunning home in Peoria's most desirable community - The Meadows. Located walking distance from Liberty High School and Sunset Elementary, nestled against a community greenbelt with expansive walking trails. Home is extremely well upgraded throughout with a gourmet kitchen that includes custom cabinets, upgraded appliances, and designer accents. Home is well maintained and move in ready. Backyard includes a premium pool and spa with upgraded landscaping. Close Proximity to the community park and community pool. Convenient to Loop 101, and Loop 303 for commuting. Come see for yourself! This home won't last long.

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13135 W Baker Drive Peoria, AZ 85383

$819,000

2 Beds

2.5 Baths

2,366 SqFt

Status Active Under Contract

MLS # 6741680

Property Type Single Family Residence

Price Type --

One-of-a-Kind SOLAR Chroma floor plan to hit the market! Situated on PRIME PROPERTY w/ a SOUTH BACKYARD - separation from neighbors and adjacent to expansive landscape tract & GREEN BELT!! Fully Fenced Back YARD creates extreme PRIVACY! 2 Bed, 2.5 Baths, Den, Smart Space & HIDDEN BONUS ROOM - IMPRESSIVE!! Step inside and you'll fall in love w/ this OPEN GREAT ROOM PLAN w/ an abundance of NATURAL LIGHT due to OVERSIZED WINDOWS & being located next to OPEN SPACE!! GORGEOUS TILE thru-out the entire home. Stunning KITCHEN features; espresso-stained cabinets w/ large CROWN MOLDING, GRANITE w/ LEATHER FINISH, SS BUILT-IN GAS APPLIANCES w/ SS HOOD VENT, BUILT-IN FRIDGE, roll-outs & soft-close drawers! Owners suite is EXTENDED & Both Baths are UPGRADED to the HILT. Shhh, HIDDEN ROOM is behind CUSTOM BUILT-IN CABINETRY - WOW!! Home features a POWDER ROOM. Step outside to paradise - enjoy an EXTENDED PATIO w/ TRAVERTINE PAVERS, Gas FIRE PIT, lounge area w/ TV & AUTOMATED SCREEN that runs the length of the patio - this home is spectacular!! Additional features: OVERSIZED Garage w/ epoxy floors, cabinets & storage, garbage enclosure, sink in the laundry room, soft water, RO, custom lighting, add'l can lighting, Central Vacuum, Custom Closet at Master and so much more!!

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4220 N 32nd Street Unit 31 Phoenix, AZ 85018

$818,000

4 Beds

4 Baths

1,923 SqFt

Status Active

MLS # 6729055

Property Type Townhouse

Price Type --

Introducing the epitome of modern living in the heart of Arcadia - welcome home to the Arcadian Phoenix. Nestled in the coveted 85018 area code, these modern townhomes redefine living with their spacious floor plans and an array of amenities. Step inside to discover a haven of elegance, boasting 10-foot ceilings on the main living floor and large windows that flood the space with natural light. The gourmet kitchen seamlessly merges with the inviting family room, creating the perfect setting for both everyday living and entertaining. Revel in the exquisite finishes, featuring stunning cabinetry, sleek quartz countertops, and timeless stainless steel appliances. Experience true architectural brilliance with the inclusion of a charming Juliet balcony and private rooftop deck

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3060 N Ridgecrest -- Unit 110 Mesa, AZ 85207

$818,000

5 Beds

3 Baths

2,733 SqFt

Status Active

MLS # 6781405

Property Type Single Family Residence

Price Type --

Welcome to this stunningly updated home with bright, modern flair in the heart of Las Sendas! Backing to a lush desert wash, the home features a mountain backdrop from the sparkling pool and spa. From the second-story balcony, enjoy serene vistas and a sweep of city lights. This sought-after Palo Verde model features vaulted ceilings and expansive living spaces designed for both relaxation and effortless entertaining. The main level features an inviting guest bedroom or office, along with a full bath, perfect for visiting friends or family. Upstairs, four generously-sized bedrooms provide ample room for rest and privacy. The heart of the home is bathed in natural light, thanks to a dramatic wall of windows and glass slider door, bringing the outdoors in. The home features sophisticated design with a fresh color palette and a striking stone-lined fireplace wall, creating a warm, inviting atmosphere. The main level and bathrooms showcase sleek, large-format tile in neutral tones, while the kitchen boasts white cabinetry, honed countertops, stainless steel appliances, and convenient pull-out shelving. The spacious owner's suite opens to a private balcony, ideal for enjoying morning sunrises, breathtaking sunsets, and views of Red Mountain. The ensuite bath exudes spa-like luxury, with dove gray quartz countertops, floor-to-ceiling glazed tile in the shower, upgraded fixtures, and a freestanding tub over framed mountain views. A coveted 3-car garage assures extra room for 'toys,' perfect for a community that features miles of hiking, walking and biking trails, an award-winning 18-hole award-golf course, heated Olympic and recreational pools, tennis, pickleball, splash pad, parks and a gorgeous trailhead club with a membership-optional fitness center and spa. Convenient to the 202 Red Mountain Freeway with access to top-rated schools, the community backs to the Tonto National Forest, and is just minutes from popular hiking and mountain biking trails, paddling and kayaking, nearby lakes and just one hour from the cool pines of Payson!

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6838 E Almeria Road Scottsdale, AZ 85257

$818,000

3 Beds

2.5 Baths

2,121 SqFt

Status Active

MLS # 6764207

Property Type Single Family Residence

Price Type --

Great Scottsdale location. Plantation shutters throughout. Large kitchen with Jenn-air gas cook top, wine fridge and double oven.Master bedroom suite has a sitting area. Master bath has a walk in double shower with rain shower head, double sinks and a jetted tub. Wood flooring in living room and formal dining. Plantation shutters throughout. Tankless hot water, Private pool and spa. Close to shopping and Downtown Scottsdale, Phoenix Botanical Garden, Phoenix zoo and Papago Park.

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7381 W Bent Tree Drive Peoria, AZ 85383

$816,990

4 Beds

3.5 Baths

3,167 SqFt

Status Active

MLS # 6763842

Property Type Single Family Residence

Price Type --

Welcome to the Aloravita lifestyle! This beautiful designer home will have you from hello! The beautifully landscaped front yard will be your invitation to the desert contemporary designed iron entry door. The main level boasts a great room floor plan with gourmet kitchen layout, including waterfall island, decorative backsplash,s/s appliances, separate beverage refrigerator, gas cooktop, quartz counter tops, and a walk-in pantry. The main level is also home to a spacious office/den, covered patio, and en suite guest bedroom. Ascend the stairs to the second level to enjoy the spa-like primary suite including upgraded tile and glass shower with rain shower head, dual sinks, and large walk-in closet. Level two is also home to the loft, laundry room (with cabinets), two bedrooms, and a full hall bath. This stunning home also features a car tandem garage with exterior keyless entry pad. Enjoy spectacular mountain views, biking, hiking and walking trails, as well as nearby golf, shopping, and dining opportunities.

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14049 E Burnside Trail Scottsdale, AZ 85262

$815,000

4 Beds

3 Baths

2,738 SqFt

Status Active Under Contract

MLS # 6724081

Property Type Single Family Residence

Price Type --

JUST COMPLETED New Construction contemporary desert home on 1.7 ACRES with direct backyard views of Granite Mountain & 4 Peaks!! This new build with NO HOA includes a gorgeous custom iron front door, a MASSIVE open Kitchen & living room with high-end Cabinets, White Quartz Countertops, 36'' Cooktop, Built-in Stainless Steel Microwave and double ovens, & upgraded flooring. The upgrades continue with a stunning Master Bathroom with a Freestanding Soaking Tub, Modern Shower and Beautiful Double Vanities, an oversized four car garage, exceptional energy efficiency with spray foam insulated walls & ceilings, upgrading A/C system, Premium Stucco, & last but not least an upgraded full 12' patio to watch the sunset on Granite Mountain from.

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3106 N 70th Street Unit 2008 Scottsdale, AZ 85251

$815,000

3 Beds

2.5 Baths

1,820 SqFt

Status Active

MLS # 6747088

Property Type Townhouse

Price Type --

Experience luxury living in this exquisite townhouse, where meticulous attention to detail is evident. One of the rare units featuring a private oversized yard, this contemporary masterpiece is perfectly positioned in a highly sought-after neighborhood, just a short stroll from the vibrant heart of Old Town Scottsdale. Step inside to discover a spacious, light-filled open floor plan adorned with expansive windows boasting Hunter Douglas Window Treatments, European Oak Engineered Hardwood flooring, and a stunning glass panel staircase. The home is accentuated by sophisticated light fixtures that add a touch of elegance to every room. The gourmet kitchen, a true chef's delight, boasts pristine white cabinetry, quartz countertops, and high-end stainless steel appliances, offering ample space for culinary creations. The living room opens to a private balcony, providing views of Camelback Mountain, perfect for enjoying serene mornings or sunset evenings. Retreat to the opulent owner's suite, where soaring ceilings enhance the airy ambiance. The ensuite bathroom is a sanctuary of indulgence, featuring a freestanding soaking tub, an oversized step-in shower, and a walk-in closet outfitted with custom built-ins, offering abundant storage and style. This is not just a homeit's a statement of sophisticated living in one of Scottsdale's most desirable locations.

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4706 S Primrose Drive Gold Canyon, AZ 85118

$815,000

4 Beds

3 Baths

3,064 SqFt

Status Active

MLS # 6765667

Property Type Single Family Residence

Price Type --

Fully furnished single level home with private pool. Backs to state land with gorgeous mountain views and 100% privacy. Currently operating as a short term rental, this home is a perfect income generating property or personal vacation home. Home has been well maintained, including new roof in 2020, new A/C unit in 2023, and numerous major appliance replacements. Full home speaker system plus 9 TVs throughout the home, including 3 TV wall in entertainment room. Both interior and exterior of home painted in 2020. Financials of rental income available upon request.

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