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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8 E Tranquil Lane Flagstaff, AZ 86005

New

$799,999

4 Beds

2.5 Baths

2,450 SqFt

Status Active

MLS # 6784198

Property Type Single Family Residence

Price Type --

Welcome Home to this beautiful Sanctury home, Single level, 2450 sq/ft, 2018 built located in the heart of Flagstaff, a perfect blend of comfort and charm, nestled on a beautifully treed .26 acre lot with amazing peak views. Yes, that's true- this ''Vacant'' 4 bed rooms, 2.5 bath and over sized 2 car garage home has it all. The home has open concept plan with spacious kitchen with granite counters, walking pantry, vaulted ceilings, office or formal dining room, covered front porch and huge covered back deck. Separate laundry and the list is going on. Not to forget- Dolby 11.1 surround system installed in wall, connected to the living room and 5.1 surround system installed in the 4th bed room as well. The walk-out basement has room for your storage. Visit this CLEAN MOVE IN READY home.

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8832 W Golddust Drive Queen Creek, AZ 85144

$799,999

3 Beds

2.5 Baths

2,861 SqFt

Status Active

MLS # 6723340

Property Type Single Family Residence

Price Type --

Back on Market 10/13 **PRICE REDUCED** Motivated Seller, bring an offer and let's get a deal done! NEW Privacy Fence ($6,000) just installed behind the pool. Sitting on a little over 3/4 of an acre lot just below the San Tan Mountain is this Beautiful single story home in the Goldmine Equestrian Estates. Not far from the city, escape to this little country community with great neighbors and trails for horseback riding, hiking and bike riding. Got horses?? Bring'em, home has a fenced in corral, stalls and tack room all ready for you. This home has a wonderful layout and open concept with large kitchen/island and great room, perfect for entertaining. It has 3 bedrooms, 2.5 baths and a large bonus room/game room(easily made into another bedroom) and or office...lots of possibilities!! Spacious Owners bedroom with large walk-in closet and renovated bathroom that offers a beautiful walk-in shower. It also has a 3 car garage with a rear garage door to the back yard. Lots of extra space to add a RV Garage, Casita, and or any kind of building you want to fit your needs. Priced below current comps and move-in-ready for its new Owners!! Put this on your list to see, you'll be glad you did!

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20312 E Via Del Rancho Road Queen Creek, AZ 85142

$799,999

4 Beds

2.5 Baths

4,962 SqFt

Status Active

MLS # 6722390

Property Type Single Family Residence

Price Type --

Welcome to your dream home in the prestigious Montelena community! This exquisite residence features elegant hardwood floors and a chef's kitchen with top-of-the-line gas appliances, built-in ovens, and granite countertops. The open-concept layout connects the kitchen to a spacious family room with custom built-in bookshelves and a cozy fireplace. The master suite is a true sanctuary, which offers dual walk-in closets and a luxurious master bath. Enjoy the expansive counter space, oversized jetted tub and walk-in glass shower, . Upstairs, you'll find a fantastic bonus/game room that's perfect for play or relaxation, while the lower level features a dedicated media room for movie nights and entertainment. Large backyard to enjoy activities and plenty of room to add a pool.

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2741 E Bridgeport Parkway Gilbert, AZ 85295

$799,999

8 Beds

6 Baths

3,983 SqFt

Status Active

MLS # 6725062

Property Type Single Family Residence

Price Type --

Discover your dream home with 4 raised garden beds and fruit trees. This unique semi-custom home has plenty of room to entertain, featuring 8 bedrooms, 6 bathrooms (4 with double sinks), solid core doors, and upgraded kitchen and baths. Enjoy modern amenities like a whole house water softener, Reverse Osmosis system, and Central Vacuum. With 10-foot ceilings downstairs, 9-foot upstairs, spacious mud room and laundry room, and close proximity to shopping, dining, and freeways, this home offers both luxury and convenience. Don't miss a chance to experience a haven where every detail enhances comfort and elegance.

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3250 N 150th Drive Goodyear, AZ 85395

$799,999

3 Beds

3 Baths

2,213 SqFt

Status Active

MLS # 6735769

Property Type Single Family Residence

Price Type --

This incredible golf course home is a true gem, with over $275k in upgrades that make it a slice of paradise. Skip the expense and time of building new and move right into this beautifully upgraded custom home on one of the most picturesque golf course lots in the West Valley. The home features a 400 sq ft guest wing with an attached bathroom, perfect for guests or a mother-in-law suite. The remodeled kitchen boasts quartz counters, custom cabinets, and top-of-the-line appliances. Additional improvements include Anderson windows and a patio door (June 2024), a new roof and A/C (2022), a remodeled main suite bathroom, Toto toilets (2023), new closet systems throughout, and LVP floors. Enjoy a whole-house filtration system, columns removed from the patio for optimal golf course views a built-in BBQ, and a 220 outlet. The attention to detail and high-end finishes make this home truly exceptional. Don't miss your chance to own this move-in ready masterpiece! Move in and start living the life you've always dreamed.

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7137 E Rancho Vista Drive Unit 2007 Scottsdale, AZ 85251

$799,999

2 Beds

2 Baths

1,242 SqFt

Status Active

MLS # 6756857

Property Type Apartment

Price Type --

Live in the heart of Scottsdale in this luxurious 2-bed, 2-bath condo at Optima Camelview. The open, split floor plan boasts elegant hardwood floors, granite countertops, updated cabinets, and a gourmet kitchen featuring stainless steel appliances and a gas stove. Step onto your expansive private patio with direct stair access to the resort-style pool and spa. Enjoy world-class amenities, including two outdoor pools, an indoor lap pool, spas, steam saunas, basketball and racquetball courts, a pickle ball court, state of the art fitness center, concierge services, and a yummy on-site restaurant. All just steps from premier shopping and dining!

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21369 W Hillcrest Boulevard Buckeye, AZ 85396

$799,999

3 Beds

2.5 Baths

2,429 SqFt

Status Active

MLS # 6743385

Property Type Single Family Residence

Price Type --

Maximizing natural light and the best in energy-efficiency, this home boasts 10' flat ceilings, 4 beds, 3 baths, & an oversized family room with both a 12' and an 8' sliding glass door exiting to the extended covered patio. Cook up culinary delights in the gourmet kitchen, featuring upgrade GE stainless appliances, upgraded countertops, gorgeous shaker cabinets, a spacious corner pantry & tile accents at the backsplash. Your owner's suite is an inviting everyday escape showcasing granite countertops, tiled walk-in shower, and a deluxe walk-in closet. Gorgeous two-tone paint & 6''x36'' tile and upgraded carpeting throughout. 2x6 construction & extensive new home warranty. See you soon!

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8338 E Hazelwood Street Scottsdale, AZ 85251

$799,999

4 Beds

3 Baths

2,112 SqFt

Status Active

MLS # 6765060

Property Type Single Family Residence

Price Type --

An entertainer's dream can be yours! Welcome to your new 4 bedroom 3 bath house appointed in the heart of Scottsdale, close to many of the best amenities in the city! Near 5th Ave shops, Old Town galleries, Spring training MLB baseball stadiums, TPC Scottsdale golf course and the top restaurants and nightlife in the Scottsdale area! The home features updated Kitchens, Bathrooms, and much more! Come see it for yourself!

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8125 E Sheridan Street Scottsdale, AZ 85257

$799,999

3 Beds

2 Baths

2,033 SqFt

Status Active Under Contract

MLS # 6760508

Property Type Single Family Residence

Price Type --

Nestled on a peaceful interior lot, this beautifully remodeled home offers modern elegance with timeless appeal. Step inside to experience a thoughtfully designed floor plan, where natural light fills every corner, creating a warm and inviting ambiance. At the heart of the home is the stylishly upgraded kitchen, featuring stainless steel appliances, brand-new cabinetry, and luxurious finishes. The spacious primary suite serves as a private retreat with a spa-like ensuite bath and generous closet space. Additional bedrooms provide flexibility for guests, while the bonus room offers endless possibilities as an office, studio, or whatever suits your lifestyle. Outside, the private backyard beckons you to unwind in the serene outdoor space, with real grass and sparkling pool. Updated plumbing, new water heater, newer windows, new landscaping (under warranty), new fixtures throughout the home and more. Located in a sought-after neighborhood near Old Town Scottsdale, this remodeled home offers the perfect combination of peace and convenience. From all popular venues, to high end shopping, close to freeways, parks, hiking and A+ rated schools.

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9452 E Saturn Avenue Mesa, AZ 85212

Open House

$799,999

5 Beds

2.5 Baths

3,465 SqFt

Status Active

MLS # 6781714

Property Type Single Family Residence

Price Type --

This incredible property with a sparkling pool is on the market! Spacious garage with extended pavers for extra parking. Delightful floor plan has cozy living spaces and an equipped kitchen boasting granite polished counters, beautiful cabinets, and all the appliances for your cooking. Upstairs, you'll find a loft area with endless entertaining possibilities. The primary bedroom features a private covered balcony and a lavish ensuite. Out the back, relax under the covered patio or blue pool. You won't be disappointed! Professional pictures coming this weekend!

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4059 E Mesquite Street Gilbert, AZ 85296

Open House

$799,999

5 Beds

4 Baths

3,453 SqFt

Status Active

MLS # 6712653

Property Type Single Family Residence

Price Type --

Beautiful 5BR/4BA + loft home (1 lower level bedroom & full bathroom) surrounded by white fences, greenbelts, beautiful parks and a highly sought after neighborhood! Kitchen features granite, upgraded white cabinetry, stainless steel appliances, white subway tile backsplash, Restoration Hardware pendants, and Restoration Hardware drawer/cabinet pulls. Home comes with upgraded fixtures throughout this meticulously maintained home! 3 bedrooms upstairs with 2 bathrooms, one of which is a jack-and-jill. Primary bedroom suite includes double sinks, separate tub and shower, as well as an entry directly to the laundry room with included washer and dryer from the master closet. Home is a right down the street down from the largest park in Elliot Groves. Close access to the 202 and 60 Freeway.

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16205 S 7th Street Phoenix, AZ 85048

Open House

$799,999

4 Beds

2.5 Baths

3,311 SqFt

Status Active

MLS # 6750844

Property Type Single Family Residence

Price Type --

Ahwatukee Foothills finest featuring 4 bed, 2.5 bath, oversized loft and stunning pebble-tec diving pool! Balcony off the loft w/ stargazing mountain views! As you enter, be greeted by the expansive entry with 18+ ft vaulted soaring ceilings and spacious rooms. Downstairs primary suite with beautifully remodeled en suite bathroom w/ soaking tub, glass shower, dual sinks & walk-in closet. Kitchen boasts oversized island w/ granite countertops, barstool seating, beautiful wood cabinets, stainless steel appliances, wine fridge, built-in bread box, recessed lighting. Eat-in kitchen dining space w/ backyard views, open to the lovely living room w/ vaulted ceilings & built in surround sound. Light & inviting neutral paint throughout with lots of windows & natural light. Upstairs bathroom recently updated w/ granite countertop. Incredible backyard oasis featuring sparkling diving pool, built-in BBQ & fireplace, paved sitting area, storage shed with tile roof, play area & more! Newer windows on south side of home w/ modern blinds. Located on a lovely tree lined block just minutes from shops, dining, freeways and South Mountain Park. The ease of village living with the splendor of nature minutes away. No immediate neighbors on one side. Top rated Kyrene Schools offers a personalized educational journey for every student, renowned for its commitment to academic excellence. Active Lifestyle trails galore at South Mountain. Close to 202 freeway, I10 freeway, Ahwatukee dining, gas stations, salons, shopping, & so much more.

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