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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13609 W Vermont Avenue Litchfield Park, AZ 85340

$810,000 - 5Br/4Ba -  for Sale in Dreaming Summit Unit 3a, Litchfield Park
Open House
$810,000
5 Beds
3.5 Baths
3,749 SqFt
Status Active
MLS # 6745941
Property Type Single Family Residence
Price Type --
This fantastic 5 bed, 3 bath residence now on the market is the one for you! Gated Community! 2 BRAND NEW AC UNITS, OWNED SOLAR!!! New water heater as well. Great curb appeal, with a large pool, covered patio, manicured grass landscape, 3 car garage, RV gate, and a welcoming front porch! Inside you will find a sizeable living area and formal dining room to delight your guests. Vaulted ceilings, soft carpet in all the right places, stylish columns, wooden shutters, and designer palette throughout! You'll also find a cozy family room and an open den ideal for an office or reading nook. The luxurious kitchen is comprised of redone white cabinetry w/crown moulding, a pantry, granite counters, built-in appliances such as dual wall oven, and a lovely breakfast bar. End your busy day in the primary bedroom, boasting private outdoor access, a walk-in closet, and a full ensuite w/dual sinks. Finally, the expansive backyard includes a covered patio, attached pergola, flagstone seating area, a fire pit, a convenient storage shed, and a sparkling blue pool! Your new home is waiting for you, act now!

2848 E Presidio Street Mesa, AZ 85213

$809,999
4 Beds
3 Baths
3,212 SqFt
Status Active
MLS # 6738799
Property Type Single Family Residence
Price Type --
Beautiful two story home in the gated community of Lehi Crossing. Come and see what this home has to offer, with its inviting pool and spa, large oversized bedrooms, Room to add a 5th bedroom up stairs if you wanted. Beautiful open kitchen that leads into the family room. Homes of this size and condition do not come to market very often. Come and take advantage of a turn-key home with all the upgrades you could want.

4358 E Anderson Drive Phoenix, AZ 85032

$809,900
4 Beds
2.5 Baths
2,291 SqFt
Status Active
MLS # 6777582
Property Type Single Family Residence
Price Type --
Elegantly updated north Phoenix split floor plan home on spacious, lushly landscaped lot w/ sparkling pool features high end designer finishes throughout, custom lighting, new flooring, much more. Perfect location close to endless shopping, dining, entertainment. Vaulted ceilings & lots of natural light give home an open, inviting feel. Large living, dining area, ideal for relaxing & entertaining. Gorgeous updated kitchen, gleaming NEW SS appliances, huge island w/ bkfst bar, large pantry. Huge comfortable primary suite downstairs w/ patio access, stunning, contemporary ALL NEW primary bathroom. Upstairs is large loft, 3 spacious bedrooms, & ALL NEW elegant secondary bathroom. Beautiful backyard is a peaceful, private retreat w/ large covered patio, refreshing pool, gorgeous landscaping.

20439 N 87th Drive Peoria, AZ 85382

$809,900
6 Beds
4 Baths
4,015 SqFt
Status Active
MLS # 6750554
Property Type Single Family Residence
Price Type --
Discover this expansive 6 bedroom, 4 bathroom home with a versatile loft area that can be tailored to your needs. The kitchen has beautiful white cabinets and granite countertops, and plenty of storage. Hardwood floors run throughout the home, adding warmth and elegance. Step outside to the sparkling pool, ideal for summer gatherings or unwinding after a long day. Situated in a peaceful cul-de-sac with a 3 car garage. With a great location close to freeways, restaurants, and shopping, you will have everything you need in just minutes away.

8607 S 16th Drive Phoenix, AZ 85041

$809,850
3 Beds
2.5 Baths
2,477 SqFt
Status Active
MLS # 6671297
Property Type Single Family Residence
Price Type --
EXTENSIVE UPGRADES LIST IN DOCS TAB!!! Welcome to your dream home in an exclusive gated community, right by the beautiful South Mountain Range. Enjoy stunning VIEWS of the MOUNTAINS & DOWNTOWN Phoenix from your backyard. This spacious home offers the option for bonus room to be converted to a FOURTH BEDROOM, perfect for guests or a home office. Relax in your RESORT-STYLED BACKYARD, lined by trees for added privacy. With a roomy three-car garage and a generous 1/3-ACRE LOT, storage shed, this home perfectly combines comfort and convenience. Additional amenities include a spacious storage shed, RV gate, and a covered patio adorned with sun shades - creating the ideal setting for al fresco dining or relaxation. Step inside, and the interior seamlessly blends sophistication with functionality. The wood-plank flooring adds warmth and character throughout, creating an inviting atmosphere. The heart of this home is the chef's kitchen, a culinary masterpiece equipped with quartz and granite countertops, a mini-bar for entertaining guests, a walk-in pantry, and upgraded soft-close cabinetry. The gas cook-top stove and a generously sized kitchen island complete the ensemble, making this open-concept kitchen the perfect hub for both culinary adventures and social gatherings. Versatility is a key feature of this residence, as the front office can easily be transformed into an additional bedroom, providing flexibility to accommodate your unique needs.

5819 E Scarlet Circle Mesa, AZ 85215

$809,500
4 Beds
3 Baths
2,461 SqFt
Status Active
MLS # 6777710
Property Type Single Family Residence
Price Type --
Highly upgraded home located on a private cul-de-sac street in the gated community of The Reserve at Red Rock. Home includes custom shutters, upgraded cabinets, quartz countertops, 10' ceilings, iron front door, wall of glass in great room & wood look tile throughout. Gourmet kitchen has a large island plus a butler's pantry for entertaining. Owners' suite includes a walk-in closet, vanity, seamless glass shower & freestanding tub. Walking distance to the community pool & fitness center with pickleball courts, basketball, a party room & plenty of grassy areas to play in. Walk for hours in the trail system within the community. Red Rock is close to many hiking trails, NE Mesa's Saguaro and Canyon Lakes, Salt River & more! Also close to the freeway, airport, shopping & restaurants!

15229 S 18th Drive Phoenix, AZ 85045

$809,500
4 Beds
2.5 Baths
3,124 SqFt
Status Active
MLS # 6753074
Property Type Single Family Residence
Price Type --
Motivated seller!!!This meticulously maintained 24-year-old home in the Phoenix Foothills is a STUNNING. The owner has lovingly cared for this property since it was originally built, with updates and upgrades to ensure it remains in pristine condition. From the new roof with a transferable warranty to the freshly painted exterior and cinder block walls, this home exudes quality and attention to detail. Inside, you'll find maple cabinets in the kitchen and bathrooms, dual Whirlpool ovens, and a custom-built entertainment center. The spacious layout is perfect for entertaining, with a large kitchen island, JBL surround sound speakers in the family room, and a curved staircase leading to the second floor. The backyard is a paradise, with a Pebble Tec pool, in-floor cleani system, and play pool for water volleyball. Located near the Bursera Trailhead hiking trail in Club West, this home offers the perfect blend of indoor and outdoor living. The low-maintenance landscaping, artificial grass turf, and controlled watering schedule make it easy to enjoy the stunning views and peaceful surroundings. Don't miss out on this opportunity to own a truly special home in a prime location. This home truly has it all - from the practical features like the radiant barrier in the attic that helps lower energy costs, to the luxurious upgrades like the JBL house and patio speakers with volume control in each room. The attention to detail is evident throughout, with a laundry room plumbed for a sink, a front and side iron security door with locking cylinders, and a natural gas stub in the back patio for easy barbecuing. The seller's love for this home shines through in every aspect, from the immaculate carpet to the inviting loft upstairs. The east-facing patio provides shade throughout the day, making it the perfect spot for outdoor dining or relaxation. And with a 5K incentive payable upon closing to the person who brings a buyer, there's even more reason to come see this stunning property in person. Don't miss your chance to experience the beauty and comfort of this home for yourself. It's a rare find in an exceptional location, offering the perfect blend of elegance, functionality, and convenience. Come see why this home is truly a special place to call your own.

3106 N 70th Street Unit 2004 Scottsdale, AZ 85251

$809,000
2 Beds
2.5 Baths
1,835 SqFt
Status Active
MLS # 6700367
Property Type Townhouse
Price Type --
***Seller offering assistance towards rate buy-down or closing costs*** Discover modern luxury living in this stunning EnergyStar-certified construction! This two-story end unit townhome features a sought-after skydeck with breathtaking views of Camelback, Papago, and Four Peaks Mountains. Entertain effortlessly in the expansive great room with vaulted ceilings, two-story window wall with electric shades, and a Chef's Kitchen equipped with Bosch stainless steel appliances. Relax in the bright primary suite with an oversized spa bath and spacious walk-in closet. Enjoy the convenience of a ground-level guest bedroom, full bath, den/office, two-car garage, and private yard. Located within walking distance to Old Town's attractions and with easy access to major highways.

1973 W Brooke Lane Queen Creek, AZ 85144

$808,775
4 Beds
3.5 Baths
3,082 SqFt
Status Active
MLS # 6713580
Property Type Single Family Residence
Price Type --
Construction Starting Soon! 1.25 Acre Lot & No HOA. Stunning Semi-Custom Home, 12' ceilings in the main area, 4 bedrooms 3.5 baths, ensuite & office/den. An incredible gourmet kitchen, 9ft Island, ample counter space & eating bar. The main living area features a wall of glass with a multi sliding glass door that lets in plenty of natural light. The master suite is a true oasis. The Mudroom for your Drop Zone next to the awesome laundry room leaves you wanting not. Oversized 3+ Car Garage! Ask about a Casita or RV Garage. With its fantastic features and unbeatable price, this home is ready for your personalization! See the documents tab for the construction specifications. Expect to be blown away. More Home For Your Money.Pictures are of previous model and have some options not include

10728 E Tarragon Avenue Mesa, AZ 85212

$807,900 - 4Br/4Ba -  for Sale in Estates At Eastmark Parcel 8-6, Mesa
New
$807,900
4 Beds
4 Baths
2,726 SqFt
Status Active
MLS # 6783376
Property Type Single Family Residence
Price Type --
MULTI-GEN Beauty in THE ESTATES! Brand New Kitchen - Quartz Countertops, Custom Walnut Island w/33'' Farm Sink. Gas stove, Dbl Oven, Built-In Microwave. This 4 bed, 4 bath+Den (could be a 5th bedroom) includes large owner's suite, PLUS a separate casita w/bed/bath/family room + separate entrance. Upgraded wood look tile floors throughout home, w/ designer paint in living areas. Beautiful backyard designed for entertaining! Tall trees create a privacy fence, low maintenance turf yard, pergola w/travertine floors & wood fireplace. Big yard! Gutters w/French drains. The gated Estates at Eastmark is an amazing community w/walking paths & an amazing community clubhouse (The Club)with giant heated play & lap pool+gym & event room-that you can rent & playground area. Don't miss this one!

6963 E Grandview Street Mesa, AZ 85207

$806,900
6 Beds
3 Baths
3,372 SqFt
Status Active
MLS # 6693180
Property Type Single Family Residence
Price Type --
CUSTOM BASEMENT HOME IN AMAZING LOCATION! This spectacular home is just under 3400 SqFt nestled in the scenic enclave of North Mesa. Fully FINISHED BASEMENT, is an elusive feature that promises unparalleled versatility and space for your needs. Encompassing 6 bedrooms -3 upstairs & 3 downstairs, one is being utilized as office and has built ins and desks, 3 full baths, epitomizes luxurious comfort & functionality. Packed w/ upgrades that truly enhance its appeal and make it a standout choice. New Public Safety Building nearly a stones throw away & multitude of amenities for everyday living & convenience!

22280 E Maya Road Queen Creek, AZ 85142

$805,000
4 Beds
3.5 Baths
3,022 SqFt
Status Active Under Contract
MLS # 6711072
Property Type Single Family Residence
Price Type --
LUXURT LIVING in CHARLESTON ESTATES! Step into this stunning 4-bedroom, 4-bathroom home, where modern luxury meets convenience. With over 3,000 SQ FT. of beautifully designed space, this single-level gem features HIGH CEILINGS, a CHEF.S KITCHEN complete with an OVERSIZED ISLAND, and UPGRADED GRANITE COUNTERTOPS-ideal for hosting gatherings. Outside, enjoy Arizona living with your PRIVATE POOL WITH UV FILTRATION set on a spacious 10,000+ SQ FT LOT. The 3-CAR GARAGE even includes an ELECTRIC VEHICLE CHARGING STATION You'll love the BIKING & WALKING PATHS, plus easy access to top-rated schools like JACK BARNES ELEMENTARY and QUEEN CREEK HIGH SCHOOL. Minutes from FRONTIER FAMILY PARK & FRY'S MARKET PLACE . Whether you're growing a family or looking to entertain this home checks all the boxes For tech lovers, the main bedroom also includes USB-C and ethernet, with additional connections in the office, third bedroom, & living rooms. PLUS! The property is pre-wired for audio, ceiling fan, & alarm system. All interior lights are Halo Home bulbs which can be controlled/dimmed via app. Beyond the interiors, the exterior lights are controlled via Spectrum app. The backyard holds its own charm! It boasts a 10,000-gallon pool with a UV-sterilized filtration system that uses fewer chemicals, as well as LED RGB lights & two fountains - both controlled by a wireless remote. Pre piped for gas next to waterfall. Surrounded by travertine and Astroturf, the space is elegant & private, with a 12-foot Ficus Indian Laurel (northwest corner) and a magnolia tree (northeast corner). Both the front & back yards have irrigation systems and LED RGB lamps w/blue tooth connectivity. The entire house is protected with a surge protector! The property's North/South exposure is also ideal for future solar panels. What's not to like? Act now!

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