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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14405 W Yukon Drive Sun City West, AZ 85375

Open House

New

$800,000

3 Beds

3 Baths

3,136 SqFt

Status Active

MLS # 6781545

Property Type Single Family Residence

Price Type --

This property is truly unique! For the home buyer that wants it all, a large estate style home w/ over 3000 square feet, dual master suites, beautiful golf course views, large 13,000 sq ft lot with plenty of space and privacy. This home is a rare find located on the second hole of the Trail Ridge Golf Course. Flexibility to easily move the laundry to the inside! Oversized 2.5 car garage with a space for your golf cart! This home has so many upgrades, yet occasionally hard to see. Check out the security screens/roller shields on all windows, security doors, newer appliances, newer AC units, gutters, courtyard, granite counters at kitchen, newer tile. there are 4 citrus trees: 2 oranges, 1 lemon, 1 grapefruit for all of your citrus needs! Extended covered patio, w/ pergola to enjoy the view

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28911 N 41st Place Cave Creek, AZ 85331

Open House

$800,000

5 Beds

3 Baths

2,905 SqFt

Status Active

MLS # 6740548

Property Type Single Family Residence

Price Type --

Prepare to be amazed by this home built in 2016, with exceptional entertaining space. Featuring a gourmet kitchen, 5 bedrooms, 3 bathrooms, and a backyard that will make you never want to go inside. The backyard has all the Paradise Vibes that will make all your friends green with envy. The oversized pool boasts a spacious Baja shelf complemented by an impressive water feature to create the perfect ambiance. Adjacent to the pool is an outdoor kitchen complete with a bar seating area for 10. A built-in smoker produces mouthwatering meats while the natural gas grill sizzles up steak and spicy shishito peppers. As the day transitions into night, savor the serenity of Cave Creek's dark skies. When it's time to retreat indoors, you'll be welcomed by a gourmet kitchen featuring a gas cooktop, elegant white shaker cabinets with 42 uppers, granite countertops, an island, stainless steel appliances, and a pantry. The main level also offers a full bedroom and bath for guests who won't want to leave! Upstairs, the primary bedroom awaits with an ensuite bathroom boasting a tiled shower large enough to rival a car wash, a double vanity, and a spacious walk-in closet. Additionally, the upper level includes three more generously sized guest bedrooms with walk in closets, a guest bathroom, and a loft space perfect for a second living room, office, or gym. Run don't walk to see this dream of a house, as backyards of this caliber are in high demand. Cave Creek offers top-notch schools, amazing shopping, and dining delights. Don't miss the famous Buffalo Chip Saloon and world-class golf, plus unbeatable biking and hiking trails. A quick drive to the best of Desert Ridge & Scottsdale. It's all right here!

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Scottsdale AZ 85254

New

$799,999

4 Beds

2 Baths

2,240 SqFt

Status Active

MLS # 6783085

Property Type Single Family Residence

Price Type --

MAGIC 85254 ZIP CODE! 5 minutes to restaurants & shopping at Kierland Commons. This single level 4 bd/2 ba Tatum Horizons home has a large *5th bedroom with closet * office, features spacious soaring ceilings. Chef's kitchen w/ granite countertops, all NEW kitchen appliances. Exterior of home has been freshly painted. Enjoy a yard w/ mature fruit trees, foliage, private pool and spa, all set in a desert landscape. The Pool/Spa have NEW variable speed pump, NEW cartridge filter system, NEW multicolor LED lighting for outdoor entertaining, NEW Sprinkler system vacuum breaker, NEW whole house on water filtration system, Electrical NEW Home battery, Electrical wiring re-done, Solar panels PAID OFF. NEW light fixtures entryway/Library, NEW $7000 custom front door. REDUCED & READY TO GO!

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9516 E Hansen Way Gold Canyon, AZ 85118

$799,999

4 Beds

3 Baths

2,738 SqFt

Status Active Under Contract

MLS # 6646298

Property Type Single Family Residence

Price Type --

JUST COMPLETED New Construction contemporary desert home on 1.25 ACRES with direct backyard views of the Superstition Mountains! 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 the Superstition Mountains from.

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1563 S Pennington Drive Chandler, AZ 85286

$799,999

3 Beds

2 Baths

1,236 SqFt

Status Active

MLS # 6744940

Property Type Single Family Residence

Price Type --

Waterfront lot! Completely renovated inside and out. Enclosed yard with private pool and covered patio. This 3 bed and 2 bath single story home has been completely remodeled and has its own lakeside deck for a tranquil and serene environment. All new appliances are included! Highly desirable location near top tech companies. Also available for rent.

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35645 N 3rd Street Phoenix, AZ 85086

$799,999

4 Beds

3 Baths

2,350 SqFt

Status Active

MLS # 6749123

Property Type Single Family Residence

Price Type --

Bring your toys & horses! This amazing 1+ acre property has room for both, including 2 RV gates for easy access to backyard & horse stalls/arena. Open floorplan with great room is perfect for entertaining! The recently renovated kitchen offers plenty of cabinet/counter space, walk-in pantry, granite countertops & stainless steel appliances. Primary suite includes full bath with separate shower & soaking tub, dual sinks & walk-in closet. Split separate bedroom with ¾ bath would be great for guests/in-law set up! Indoor laundry & new tankless water heater. Save on electricity w/owned solar! Huge backyard with covered patio and salt water diving pool! This lot includes circular drive for extra parking, RV electric hookup & a 6-stall mare motel with water/electricity large tack room & arena.

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501-b N Maranantha Road Payson, AZ 85541

$799,999

1 Bed

1 Bath

1,600 SqFt

Status Active

MLS # 6752255

Property Type Single Family Residence

Price Type --

PRIVATE & RARE OPPORTUNITY TO LIVE ON & BUILD CUSTOM~CURRENTLY Subdividing the 11 Acres into an upper 5+ and a lower 5+. Gated & Fenced Private Drive leads straight to barn w/ 4 Horse Stables, Run-In Shed, 4 Corrals & 2 Exercise Fields~Spacious Barn has Laundry Room, Washer & Dryer, 3/4 bath, Large Workshop Area, Plenty of power, 16' Roll-up Door on the downstairs portion~Comfortable Living Accommodations Upstairs with Studio/Bedroom, Kitchenette & Full size refrigerator~Property includes Approved Septic & option to connect to Sewer. Amazing 100' x 100' cleared homesite, already has water, electric meter & internet cable service. Additional field with raw land has potential for 2nd building site w/ an elevated position for possible guest house~All facts and figures to be verified by buyer

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199 N Old Mill Road Tonto Basin, AZ 85553

$799,999

2 Beds

3 Baths

1,540 SqFt

Status Active

MLS # 6765056

Property Type Single Family Residence

Price Type --

This 3.37-acre property features a Residential/Commercial opportunity (2000 sf. Shop with a 9000# exterior vehicle lift) with views of the surrounding mountains for miles and miles! This beautifully crafted home has many smart home features including Full RING interior/exterior security system throughout including cameras, lights, keypad, and window/door sensors. Smart lock front door, App controlled front gate, App controlled wireless window blinds throughout home, Bluetooth mirror and exhaust fan in guest bathroom, Starlink equipment (conveys). Master bedroom custom shower, & custom walk-in closet. Water softener, propane on demand water heater. The upper deck has plumbed propane, Bluetooth surround sound system, 55' smart TV, Flood lights, recessed led lighting, celling fans, Trex de Trex decking, multiple power outlets and teak wood patio furniture (conveys). The lower patio has a 2yr old Tuff Spa - 240V hot tub (conveys), plumbed propane with BBQ grill connection. The attached Shop features a roof top swamp cooler, built-in cabinets w/countertops and sink. Full RV hook-ups next to the shop with 100amp service. Large doggie door with attached kennel (conveys). 12x20 Gazebo will convey (to be erected in next couple of months). 2 Conex Boxes with adjoining carport. Plenty of room to build guest house, horse facilities etc. Just 7 miles from Roosevelt Lake for fishing & water sports, and many mountain roads and trails for riding. Don't miss out on this one-of-a-kind property with many uses!

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4026 E Madre Del Oro Drive Cave Creek, AZ 85331

$799,999

4 Beds

3.5 Baths

2,765 SqFt

Status Active

MLS # 6773748

Property Type Single Family Residence

Price Type --

Location + ''Guest House'' = Rare Opportunity. This home has it all! Highly versatile and in-demand floor plan that includes two separate homes within one home. The main residence offers an open-concept living area with modern finishes, including easy maintenance porcelain ''wood'' plank flooring, a gourmet kitchen with stainless steel appliances, quartz countertops, and gas range. The second level has loft area and three additional bedrooms, hall bath and laundry room. Primary suite with walk-in closet and luxurious spa-like bath! Guest Quarters with private side entrance has Kitchen, living Rm, spacious bedroom and bath! Perfect for Multi-Generational living! Self contained living with its own white shaker kitchen cabinets with quartz counters and stainless steel appliance package, living room, bedroom with a walk-in closet with stacked front load laundry, private bathroom, and secured access to garage and main house, providing you with multiple options...adult children, elderly parents, a home office, or enhance your cashflow with short or long term rental. The entire property is on automatic watering of the professionally landscaped xeriscape front and, the backyard features fruit trees like lemon, pomegranate, orange, and nectarine strategically placed into the hardscape offering large space for privately watching sunrises and sunsets plus entertaining. The home's smart home features and energy-efficient design make it optimal for today's needs, prioritizing comfort and convenience while maintaining privacy. Layout is perfect for families seeking flexibility or those looking to incorporate both private and shared living spaces. All this plus the whole house water purification system and RO in both homes will convey. 2 car garage with EV charging as well. Excited? Please take action now before this opportunity is gone.

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4700 S Fulton Ranch Boulevard Unit 62 Chandler, AZ 85248

$799,999

3 Beds

2.5 Baths

2,485 SqFt

Status Active

MLS # 6770395

Property Type Townhouse

Price Type --

Priced below its recent appraisal, this stunning home in the highly sought-after Fulton Ranch gated community of Crescent Falls offers unparalleled luxury & value. Sitting on a premiumwaterfront, N/S lot w/ breathtaking lake views, no expense has been spared in this former model home. It boasts a total remodel w/ custom features typically found in multi-million-dollar estates, including a gourmet kitchen w/ top-tier appliances, custom cabinetry, & granite countertops. The primary bedroom suite & bathrooms feature high-end custom cabinetry, while the garage includes built-in storage and epoxy floors. Additional upgrades include new fixtures, lighting, a state-of-the-art HVAC system, & new professional landscaping w/ a built-in BBQ & private, covered patio. Community offers a pool & spa for relaxation. Perfect as a luxurious lock-and-leave residencethis home is a must-see!

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7662 E Minnezona Avenue Scottsdale, AZ 85251

$799,999

3 Beds

2.5 Baths

2,340 SqFt

Status Active

MLS # 6777446

Property Type Townhouse

Price Type --

Rare opportunity to purchase one of the largest units in Monte Vivienda - Renovated home with huge rooftop deck, end unit w/ ample windows. Prime location next to all the best nightlife in Old Town Scottsdale, Scottsdale Fashion Square Mall, shopping, dining, etc AND at the same time the location offers a peaceful respite. Townhome was thoroughly renovated in 2021 - only exception was finishes, plumbing, and some electrical on the ground floor. Listing won't last long - likely won't respond to offers until November 15, 2024 (extremely strong offers excepted)

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2588 E Aloe Place Chandler, AZ 85286

$799,999

4 Beds

2.5 Baths

2,596 SqFt

Status Active Under Contract

MLS # 6777501

Property Type Single Family Residence

Price Type --

STYLE~LUX~COMFORT~YOU~Santa Barbara Classic~ELEGANCE~TRADITION~This property you'll be so proud to have as your own~Single level, 3 car garage~Private Courtyard that flows thru custom, secure iron door~Gutters & pavers keep immaculate~Welcomed thru the main entry to the formal foyer~There you are teased with a glimpse into the Greatroom, kitchen & Wall of Glass Doors~AZ Alfresco living~Informal entry from the garage is Shiplap wall~Hooks for purses/packs~Powder bath~I so LOVE the split floorplan~Primary suite on its own NE wing~The 3 more beds on the SE side~Exclusive hardwood floors in the entries, halls, greatroom, gourmet kitchen, dining, & den~Plantation Shutters~42'' Espresso stained cabinets & Slab counters T/O~Convect/Gas cooking~Designer Choice Fixtures~Carpet~New Landscaping Choice Fixtures~Carpet~New Landscaping. Include multiple Neighborhood parks and is in extremely close proximity to city parks, shopping, restaurants, activities, and best of the best Chandler A+ rated public schools, and Basis, Great Hearts, Gilbert Christian. Easy access to the freeways, 30 min to downtowns and airports. Maracay is very well known and distinguished builder in the valley and this house is very, very lightly lived in. Super low maintenance yard makes it an amazing primary or secondary home. I promise you will be so pleasantly pleased and want to write an offer immediately.

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