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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4622 E Fernwood Court Cave Creek, AZ 85331

$800,000
4 Beds
3 Baths
2,883 SqFt
Status Active
MLS # 6765161
Property Type Single Family Residence
Price Type --
Step into luxury living in the coveted Tatum Ranch community. This home has been meticulously maintained and boasts 4 generously sized Bedrooms, 3 Bathrooms, and a 3 Car Garage. Plantation shutters throughout, timeless travertine flooring, a spacious loft, high ceilings, and a gourmet kitchen with a built-in wine bar and top-of-the-line stainless steel appliances. The expansive master suite features a spa-like bathroom, and custom closet system, while the resort-style backyard beckons with its inviting pool, spa, built-in BBQ, and fire pit. Don't miss out on this incredible opportunity to elevate your lifestyle. Please see the documents tab for updates to the home.

1891 E Sugey Lane San Tan Valley, AZ 85143

$800,000
3 Beds
2.5 Baths
2,585 SqFt
Status Active
MLS # 6766881
Property Type Single Family Residence
Price Type --
Elevate your lifestyle in this meticulous home. RV garage with AC! Prime corner lot in the prestigious Laurel Ranch community. From the moment you arrive, the home's curb appeal shines with its extended paver driveway, charming front paver patio, and lush, professionally landscaped grounds. The massive 3-car tandem garage with epoxy flooring and an attached RV garage provides ample space for your vehicles, toys, and more—plus a side gate for easy access. Inside, every detail has been thoughtfully curated. Wood-look tile flooring flows throughout, complementing the elegant plantation shutters, upgraded light fixtures, and modern two-tone palette. 2 offices! A stylish barn door leads to the versatile bonus room, perfect as a den or office. The open-concept living space is ideal for gatherings, featuring built-in shelving, surround sound, and plenty of room for relaxing or entertaining. The heart of the home is the gourmet kitchen, where granite countertops, a subway tile backsplash, and a large kitchen island await your culinary creations. Stainless steel appliances, including double ovens, blend seamlessly with the ample white cabinetry, while the generous walk-in pantry offers even more storage. The cozy breakfast nook is perfect for casual meals, surrounded by natural light. The primary suite is a serene retreat, boasting a spa-like bathroom with double sinks, and an oversized walk-in closet that's sure to impress. Step outside into your resort-style backyard, where every inch has been designed for ultimate enjoyment. The covered patio, complete with a ceiling fan, provides shade for relaxing while overlooking the lagoon-style heated pool. With built-in in-water lounge chairs, a soothing waterfall, and custom lighting, the pool area becomes a personal paradise. The attached spa offers a touch of luxury, and the firepit invites cozy evenings under the stars. Artificial turf ensures low-maintenance living, while the 2021 pool pump and UV lamp filter keep the water crystal clear year-round. This stunning home is a perfect blend of elegance, practicality, and comfort, offering everything from an RV garage to a lagoon-style pool for endless entertainment. Don't miss the opportunity to make this luxury retreat yours!

20750 N 87th Street Unit 1084 Scottsdale, AZ 85255

$800,000
3 Beds
2.5 Baths
1,736 SqFt
Status Active
MLS # 6770748
Property Type Townhouse
Price Type --
Desirable remodeled Encore at Grayhawk townhome overlooks 17th green on Talon course, boasting mountain and city light views. Enjoy the private covered patio downstairs and scenic balcony off primary suite upstairs. Well-designed home plan with two bedrooms plus optional 3rd bedroom/den downstairs with 2.5 baths. Chic updates throughout includes low maintenance modern wood-like flooring, trending accent backsplashes, surrounds, and flooring using attractive mix natural stones, quartz countertops, shaker style cabinets, refined barn door separating den/optional bedroom, and 4'' wood shutters throughout. Convenient lifestyle with community pool, spa, ramada, and fitness center. In the heart of North Scottsdale, walking distance to Grayhawk golf club, restaurants, shopping, and hiking. Only minutes drive to Hwy 101. Sought after turnkey that's move-in ready in the heart of North Scottsdale.

2416 W Orangewood Avenue Phoenix, AZ 85021

$800,000
12 Beds
6 Baths
3,000 SqFt
Status Active
MLS # 6767082
Property Type Single Family Residence
Price Type --
PLEASE NOTE; THIS PROPERTY INCLUDES 2416 AND 2418 W. ORANGEWOOD..BOTH THESE ADDRESS' ARE ON 2416 W. ORANGEWOOD..2418 IS LISTED FOR A MAIL ADDRESS ONLY☚☚☚ SUBMIT ALL REASONABLE OFFERS.. This property is a Duplex with 4 units. 16,503 sq ft lot size. 2 units fully remodeled interior and exterior paint. Title floors , New cabinets. Great Investment Opportunity !!

2040 N 63rd Place Mesa, AZ 85215

$800,000
3 Beds
3 Baths
3,064 SqFt
Status Active
MLS # 6768633
Property Type Single Family Residence
Price Type --
Beautiful Lakefront Home on the 18th Hole of Painted Mountain! Welcome to your dream retreat! This stunning single-story home, recently remodeled and updated, is nestled in a quiet cul-de-sac, offering serene lake views and easy access to the 18th hole of the Painted Mountain golf course. It's truly move-in ready! Inside, you'll find two spacious master suites, each with beautifully updated bathrooms featuring high-end finishes. The second master suite even has its own private patio, perfect for morning coffee or evening relaxation. Vaulted ceilings create a bright and airy atmosphere throughout, while the updated floors add a modern touch. Get ready to entertain in the large entertainment room or enjoy movie nights in the cozy theater room. Step outside to find a massive 20,000+ gallon pool, ideal for summer fun, along with a gazebo for outdoor lounging. The expansive wrap-around patio is perfect for soaking in the gorgeous sunset views, while a second patio offers a peaceful spot to unwind. With minimal street lights, you can enjoy stargazing in the serene night sky. Plus, with a generous lot size and no HOA, you'll have the freedom to make this space truly your own. This lakeside gem is a perfect blend of luxury and relaxationdon't miss out on the chance to call it home!

20111 W Steed Ridge Road Wittmann, AZ 85361

$800,000
4 Beds
2.5 Baths
2,298 SqFt
Status Active
MLS # 6771480
Property Type Single Family Residence
Price Type --
Move right into this beautiful 1-acre, turnkey home, ideal for entertainers and horse lovers! The covered patio, complete with gas for an outdoor kitchen, opens to a sparkling saltwater pool with a built-in hot tub, surrounded by low-maintenance landscaping and an accessible half bath for convenience. This home also features a RV hookup with power and is horse-ready, including a 2 horse 2 lean to, and covered hay storage, with a water spigot. Inside, the open floor plan boasts split plate 10/12 ceilings, a large island kitchen with granite counters, and a luxurious master suite with a walk-in closet. All landscaping, including a citrus tree and is finished. The property is fully fenced. Set in a peaceful, rural area with no HOA, this gem is only 10 minutes from the 303 and shopping.

28843 N Marchant Trace San Tan Valley, AZ 85144

$800,000
4 Beds
2 Baths
2,432 SqFt
Status Active
MLS # 6774541
Property Type Manufactured Home
Price Type --
Built in 2020, this spacious 4-bedroom, 2-bathroom manufactured home sits on a sprawling 3.6-acre lot with no HOA, offering plenty of room for both living and outdoor activities. Designed as a horse property, it includes horse facilities, making it perfect for equestrian enthusiasts. Inside, the home features a great room, providing ample space for relaxation and entertainment. The stunning kitchen has beautiful cabinets and countertops, stainless steel appliances and an island with a breakfast bar. Featuring stylish vinyl plank flooring throughout with plush carpet in all the right places. The Solar Lease will be paid off at Close of Escrow! This property offers the freedom of rural living with modern conveniences and plenty of room to make it your own!

13401 W Crimson Terrace Peoria, AZ 85383

$800,000
5 Beds
3 Baths
2,631 SqFt
Status Active
MLS # 6772102
Property Type Single Family Residence
Price Type --
GORGEOUS FORMER MODEL, MOVE-IN READY and FULLY FURNISHED! All you need is your luggage. Surrounded by scenic mountain and desert views and featuring the finest upgrades (over $200,000 in upgrades and furnishings!) This highly sought after 5BR/3BA floor plan is no longer available in the community. Thoughtfully laid out with a bedroom and full bath downstairs, and upstairs laundry. Kitchen features gas cooktop, quartz countertops, and stainless steel appliances. Enjoy the stylishly landscaped backyard with built in BBQ, covered patio, and gazebo/pergola sitting area. See the list of this home's upgrades!

3732 N Barron -- Mesa, AZ 85207

$800,000
5 Beds
3 Baths
2,733 SqFt
Status Active
MLS # 6774170
Property Type Single Family Residence
Price Type --
Welcome to Your Dream Home in the Gated Highlands at Las Sendas, Mesa, AZ! Step into luxury in this beautiful 5 bed, 3bath home in the prestigious Highlands at Las Sendas community. This home features a gorgeous custom kitchen with white maple cabinets, soft-close drawers, pull-outs, an oversized island, granite countertops, subway tile backsplash, and stainless steel appliances. Cook like a chef with the double oven and enjoy meals in the formal dining room, breakfast nook, or on the serene covered patio. The home showcases new 8 x 48 wood plank tile flooring and has been recently freshly painted inside and out, giving it a modern, like-new feel. The bathrooms have been refreshed with travertine showers, espresso cabinets, granite vanities, and new fixtures. Enjoy the convenience of a spacious 3 car garage with built-in cabinets and 240 AMP service-perfect for a workshop or electric car setup. End your day by unwinding on the deck, taking in breathtaking desert sunsets. As part of the Las Sendas community, you'll have access to a wide range of resort-style amenities, including parks, lighted tennis and pickleball courts, miles of walking and biking trails, multiple pools, a spa, fitness center, and the renowned Las Sendas Golf Club with an 18 hole championship course. Because it's gated, this home offers not only luxury but also peace of mind. This is a rare opportunity to enjoy an elevated lifestyle in a home that combines elegance, comfort, and an unbeatable location. Welcome home!

2615 E Colonial Court Chandler, AZ 85249

$800,000
4 Beds
2 Baths
2,421 SqFt
Status Active
MLS # 6778734
Property Type Single Family Residence
Price Type --
Welcome to your dream home in the heart of South Chandler! This stunning single-level home, perfectly situated on a large, private cul-de-sac lot, is designed with all the right finishes. Featuring four spacious bedrooms and two beautifully updated baths, there's room for everyone to relax and grow. As you enter, you'll be greeted by a modern, open floor plan with a bright and airy great room, perfect for family gatherings or entertaining friends. A versatile space off the great room can serve as a home office for remote work or a cozy dining room for memorable dinners. The gorgeous kitchen is a chef's delight, featuring sleek white cabinetry, quartz countertops, and a central island with a breakfast bar, ideal for quick meals or morning coffee. Step outside to a backyard oasis, ideal for enjoying warm Arizona days. The expansive patio and entertaining areas make it a perfect setting for outdoor fun with family and friends. For those with multiple vehicles, toys, or an RV, this property offers a 3-car extended garage, an extra-long driveway, and an RV gate. With new wood-tile flooring throughout and plush carpet in the bedrooms, every detail has been thoughtfully updated. Located in a peaceful neighborhood yet close to everything Chandler has to offer!

6532 E Cypress Street Scottsdale, AZ 85257

$800,000
4 Beds
2 Baths
2,042 SqFt
Status Active
MLS # 6780557
Property Type Single Family Residence
Price Type --
Discover this charming single-story, four-bedroom, two-bathroom home with a desirable split floor plan. Fresh interior and exterior paint give the home a bright, inviting look. The kitchen has been upgraded with painted cabinets and new stainless steel appliances, including a microwave, dishwasher, and oven. Both bathrooms also feature freshly painted cabinets. New luxury vinyl plank flooring has been installed in several areas, adding a modern touch. The backyard is an entertainer's dream with a pool, and the front yard features easy-care desert landscaping.

8556 E Plaza Avenue Scottsdale, AZ 85250

$800,000 - 4Br/2Ba -  for Sale in Park Scottsdale 1 Lots 1-181, Scottsdale
New
$800,000
4 Beds
2 Baths
1,830 SqFt
Status Active
MLS # 6782819
Property Type Single Family Residence
Price Type --
Introducing a stunning property with the ultimate chef's dream kitchen, featuring sleek Calcutta quartz countertops, a stylish island with an electric cooktop and modern range hood, custom white cabinetry, and a spacious breakfast bar for gathering and entertaining. The open-concept layout seamlessly blends the kitchen, family, and living areas, creating a bright, inviting space for everyday living and special occasions. The master suite offers a spa-like experience with dual sinks, luxurious quartz finishes, a beautifully tiled shower, and a massive walk-in closet. Step outside to your own private oasis complete with a refreshing pool, a heated pool, and a relaxing hot tub — perfect for year-round enjoyment. Located less than 10 minutes from Old Town Scottsdale.

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