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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2820 E Ranch Court Gilbert, AZ 85296

Open House

$815,000

4 Beds

2.5 Baths

2,915 SqFt

Status Active

MLS # 6759059

Property Type Single Family Residence

Price Type --

This stunning 4-bedroom, 2.5-bathroom home with a den and 3-car garage sits on a spacious corner cul-de-sac lot in the highly sought-after Rancho Corona neighborhood. The oversized kitchen features a large island, refrigerator, built-in microwave, ample cabinetry, new quartz countertops, walk-in pantry, large sink, and a built-in desk, perfect for meal prep and gatherings. The home boasts a formal dining area and a great room with built-in speakers, perfect for entertaining. Shutters throughout add a touch of elegance. The master suite includes a cozy seating area with a fireplace, a separate exit to the patio, double sinks, a sunken jacuzzi bathtub, walk-in shower, and spacious His & Hers walk-in closets. An additional bedroom also features a walk-in closet. (see more) While the family room is warmed by a second fireplace. The 3-car garage offers plenty of storage space, and the large grassy backyard, shaded by mature trees, is perfect for outdoor enjoyment. This beautiful Gilbert home is walking distance to a hockey rink, parks, restaurants, and shopping, offering the perfect blend of luxury and convenience.

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961 E Blue Spruce Lane Gilbert, AZ 85298

$814,999

6 Beds

3.5 Baths

3,128 SqFt

Status Active

MLS # 6750625

Property Type Single Family Residence

Price Type --

Won Best Home on Tour! Discover your perfect oasis in south Gilbert with this exceptional move-in ready home w/ 2 BRAND NEW 4 ton AC units! Designed for both comfort and luxury, the newly remodeled open-concept kitchen is the heart of the home, boasting sleek quartz countertops w/ waterfall feature, high-end stainless steel appliances, gorgeous new cabinets, & even an R/O system producing Alkaline water! The kitchen seamlessly flows into a beautifully connected courtyard, complete with pavers & a commercial misting system, making it an ideal space for outdoor dining and entertaining. The backyard is a true retreat, featuring a 2021-built private saltwater PebbleTec pool where you can relax and unwind, as well as fresh landscaping. The open layout ensures that indoor and outdoor living blend effortlessly, creating a harmonious environment for gatherings or quiet family moments. The entire space has new flooring, fresh paint, new faucets, new lighting, and custom window treatments. Situated in a sought-after Gilbert neighborhood, close to & walk/bikeable to top schools, shopping, and dining, this home is a rare find. With spacious bedrooms and thoughtful upgrades throughout, this property offers a lifestyle of elegance and convenience. Don't miss the chance to make this your forever home, and join the best neighbors on the planet here on Blue Spruce Lane!

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16813 W Gloria Lane Surprise, AZ 85387

$814,900

3 Beds

2 Baths

3,081 SqFt

Status Active

MLS # 6781138

Property Type Single Family Residence

Price Type --

New Custom Home! Brand new beautiful property, as you arrive onto the paver Stone border Drive with a three car tandem and a 50 foot drive through mega RV garage with a bathroom and hobby room to fit all your toys. This custom has designer tile flooring, master bath with a walk-through shower with rain heads, walk-in closet in all bedrooms. The open spacious kitchen with stainless steel appliances, a breakfast nook, dining bar attached to the center island. The room progresses from this area into an open room with 16 foot wide multi slide glass door with a back patio, allowing inside outside, entertaining and much more! 5,970 sqft under roof! No HOA. Great location offering natural desert surroundings. Home has spray foam insulation, and much more!

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554 N Snowberry Circle Flagstaff, AZ 86004

New

$814,035

4 Beds

4 Baths

2,370 SqFt

Status Active

MLS # 6784017

Property Type Townhouse

Price Type --

SPEC home recently complete and ready to move-in! New construction. This 2 level townhome features 4 bdrm 4 bath with 2370 sq ft. Master bedroom downstairs, additional bdrm/bathroom downstairs, and 2 bedrooms w/bathrooms up. Standard features include spray foam insulation, tankless hot water heater, gas dryer and range hookup. Tile surround shower with pony wall in master bath. All appliances included with this home. Backyard landscaping included. Truly Move-in ready! Escape the heat of the valley and come to the cool mountains of Flagstaff! Don't miss out on this one with the seller offering large $$ incentives!

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6021 N 81st Place Scottsdale, AZ 85250

$814,000

3 Beds

2.5 Baths

2,332 SqFt

Status Active

MLS # 6681141

Property Type Single Family Residence

Price Type --

Excellent Scottsdale location & No HOA! Step into open floorplan, where the kitchen takes center stage with its entertainment-ready design featuring plentiful cabinets, SS appliances, spacious Island, sleek Silestone countertops, & enduring plank tile flooring. Beyond the kitchen lies ample space for family gatherings, complemented by additional formal dining & living areas, vaulted ceilings, a cozy fireplace, & French doors leading to a secluded atrium, perfect for enjoying tranquil mornings. The large first-floor master suite offers a retreat-like experience with its walk-in closet, walk-in shower, double sink vanity,& direct access to back patio. Upstairs, spacious secondary bedrooms & full bathroom & lots of closet space. Resort Style Backyard! Read Add'tl Remarks Outside, the professionally designed backyard invites relaxation with its inviting patio, artificial grass, Lemon fruit tree, evoking a resort-like atmosphere ideal for outdoor entertaining. A large laundry room provides ample storage space with cabinets and countertops, adding to the home's convenience. Beautiful White Window Shutters. Brand New Carpent installed 2023. New downstairs A/C installed 2022. New Kitchen Stainless Steel Cook Top Range with Duel Oven and New Dishwasher as of 2021. New Exterior Paint 2022. Home is Conveniently located within walking distance to Scottsdale schools, Chaparral Park and dog park with lakes, and a variety of shopping and dining options, this home offers easy access to the area's finest amenities. Nearby attractions such as Golf Club, Casinos, Museums, and the Salt River Ball Park provide endless opportunities for leisure and recreation. With its great location and proximity to ASU, SCC, and more, plus major thoroughfare, including the 101, this home epitomizes effortless Scottsdale living at its finest.

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12305 N Petra (lot 242) Circle Prescott, AZ 86305

$812,500

2 Beds

3 Baths

2,081 SqFt

Status Active

MLS # 6657532

Property Type Single Family Residence

Price Type --

TAKE ADVANTAGE OF BUILDER INCENTIVES! $20,000 BUILDER OPTIONS CREDIT or 1 YEAR INTEREST RATE BUY DOWN TO 5.99%. New home/lot in Whispering Canyon, mtn views & gorgeous skies await you with this .80ac lot. This ''right-sized'' model offers great room open concept design with highly upgraded kitchen cabinets, granite counters, walk in pantry, & s/s appliances standard. 17'' x 17'' tile flooring & carpet in the main living areas & 10' coffered ceilings add architectural interest. Split floor plan w/2 bedrooms & an office, den, or optional 3rd bedroom. Primary en suite has bathroom featuring dual sinks, walk in shower, & walk in closet. Front landscaping, paver patios and driveway are included. Select builder options & design finishes. Est completion time is 12 months. VISIT OUR MODEL HOM

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3853 S Wayne Drive Chandler, AZ 85286

$811,900

4 Beds

2.5 Baths

2,767 SqFt

Status Active

MLS # 6757047

Property Type Single Family Residence

Price Type --

Rare 13764SF lot with north/south exposure. Great Chandler location. Four bedroom home with primary bedroom DOWNSTAIRS , there is a large loft, 2.5 bath and 3 car garage. Recent upgraded kitchen, plank tile flooring throughout and window blinds. One new HVAC unit 2024. Fantastic south facing private backyard perfect for entertaining, pebble pool , mature landscaping and gas to both the BBQ and firepit. Great kitchen for those who like double ovens, soft water system, gas range, and lots of cabinet and countertop space. Lower utility bills with OWNED solar system. Plenty of shopping areas close by as well as quick access to freeways. Seller willing to contribute towards buyers closing costs and/or rate buy down with acceptable offer.

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5309 N 148th Avenue Litchfield Park, AZ 85340

$810,000

5 Beds

4 Baths

3,446 SqFt

Status Active

MLS # 6763845

Property Type Single Family Residence

Price Type --

Located in the popular Palm Valley, this gorgeous 5-bedroom home boasts modern features throughout! The façade displays a 3-car garage, RV gate, & stone accents. Sleek interior showcases a HUGE open floor plan filled w/bountiful natural light, thanks to its wide sliding glass doors. Fresh neutral palette promotes an inviting vibe, enhanced by wood-look tile & carpet flooring, ceiling fans, & thick baseboards. Well-appointed kitchen will impress you w/ample espresso cabinetry w/crown molding, an island w/a breakfast bar, quartz counters, recessed lighting, a walk-in pantry, & high-end SS appliances such as a double wall oven & cooktop gas. Spacious main retreat features an ensuite w/two vanities, make-up desk, soaking tub, floor-to-ceiling tiled shower w/a drying area, & a walk-in closet This gem includes a 2nd Main Bedroom w/a Bathroom & a Large Den. Lastly, the private backyard w/a covered patio is the perfect spot for hosting social get-togethers. Act swiftly!

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501 W Diana Avenue Phoenix, AZ 85021

$810,000

3 Beds

2 Baths

1,684 SqFt

Status Active Under Contract

MLS # 6775031

Property Type Single Family Residence

Price Type --

Home, sweet home! This recently updated 3-bedroom, 2-bath residence welcomes you with a 2-car garage and a manicured front lawn. Inside, you'll find an inviting great room with a soothing palette, efficient recessed lighting, and attractive wood-look flooring. This delightful kitchen comes with quartz counters, abundant shaker cabinetry, a tile backsplash, stainless steel appliances, chic lighting fixtures, and an island with a breakfast bar for casual dining. The cozy main bedroom offers an ensuite with double sinks and a walk-in closet. Venture out onto the well-sized backyard, which includes a covered patio and enough space to craft your dream outdoor oasis. Don't miss this fantastic opportunity!

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4779 N 205th Glen Buckeye, AZ 85396

$810,000

2 Beds

2.5 Baths

2,136 SqFt

Status Active

MLS # 6717362

Property Type Single Family Residence

Price Type --

CASITA & POOL on a private, elevated corner lot with mountain views! Sparkling pool with water feature, fire bowls, BBQ island, deck and covered patio make this resort style yard perfect for entertaining or simply enjoying the views. Guests will love staying in the private NextGen suite which features a kitchenette, spacious bedroom, bathroom, family room, laundry, separate entrance, and outdoor patio with exquisite mountain views. The main house is open, bright and highly upgraded. Here is the primary suite and separate office along with chef's kitchen. Designer finishes with custom lighting, upgraded flooring, quartz counters, espresso cabinetry, tiled surrounds, and large sliding glass wall that combines indoor/outdoor living. SELECT HIGH END FURNISHINGS & ARTWORK MAY BE AVAILABLE

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13219 W Annika Drive Litchfield Park, AZ 85340

$810,000

5 Beds

3.5 Baths

3,897 SqFt

Status Active

MLS # 6762971

Property Type Single Family Residence

Price Type --

Luxury living at its finest in this highly desired gated community of Dreaming Summit in Litchfield Park! This beautiful single-level floor-plan boasts 5 bedroom / 3.5 bathrooms / 3,897 sf / 3-car garage / RV gate - all on 1/3 of an acre (15,000 sf). NEW ROOF underlayment (2021). Beauty ensues as you enter through the 8' solid wood door into a foyer w/ 10' ceilings, decorative lighting, plantation shutters, 12''x24'' neutral colored tile & 5.25'' baseboards. This is a 3-way split floor-plan w/ solid surface flooring throughout. The builder allotted maximum space in the areas where it matters the most. The spacious living room can accommodate any furniture arrangement or game-room experience. It has upgraded LED recessed lighting, cutout for a hutch/entertainment center, sliding glass door w/ beautiful backyard views, & walkways to the kitchen & living room. The kitchen includes plenty of cabinet storage, granite counters, pantry cabinets (2), stainless steel appliances & a gas range/oven. For those that like to entertain, this has a great-room feel with the space created between the kitchen, eat-in dining area & family room. The primary room can be a multi-functional space w/ your preference of a sitting area, personal desk, workout space - OR all of these options combined! The attached bath has a large walk-in shower, stand-alone soaking tub (w/ tile surround & granite seating), split vanities, private toilet room & a huge walk-in closet. The shower includes a tile surround, decorative pebble floor, two waterfall heads, no steps & is ADA compliant. The guest bedrooms are all spacious and the full guest bathrooms have been outfitted w/ granite counters, under-mount sinks, upgraded lighting & remodeled tile surrounds. The backyard is the ultimate oasis w/ a sparkling diving pool, custom paver patio (w/ drainage), alumawood patio extension, artificial turf, mature landscape, raised garden beds (w/ shade covers & irrigation) & paver sidewalk added at side-yard.

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7910 E Snowdon Circle Mesa, AZ 85207

$810,000

3 Beds

2.5 Baths

2,781 SqFt

Status Active

MLS # 6764703

Property Type Single Family Residence

Price Type --

Welcome to a highly desirable home on a corner lot home with easy access to the freeway! Situated on a cul-de-sac, it features a 2-car garage with an extended driveway, RV gate, and timeless stone accents. Discover a soft palette that promotes a welcoming ambiance enhanced by tile flooring, high vaulted ceilings, and plantation shutters. Large & airy open floor plan includes media niches and a cozy fireplace, making it ideal for relaxation & entertaining. Impeccable kitchen is a cooking enthusiast's dream, fully equipped with a pantry, recessed lighting, ample cabinetry with crown moulding, tile counters, built-in appliances, and a two-tier island with a breakfast bar. Additionally, this beauty offers a flexible den and bonus room. Tranquility awaits in the romantic main retreat. Plush carpet, a sunny bayed window sitting area, an ensuite w/dual sinks, make-up desk, and a walk-in closet complete the picture. The HUGE backyard boasts a covered patio, roof deck, and artificial turf. What's not to like? Act now!

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