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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15717 W Linksview Drive Surprise, AZ 85374

Open House

$799,950

3 Beds

3 Baths

2,779 SqFt

Status Active

MLS # 6701833

Property Type Single Family Residence

Price Type --

Do you need room with a view? How about this 3bed/3bath/3 car garage on the 13th T-Box of Granite Falls South * A Handsome Mesquite Model at 2779sf * This is a split bedroom floor plan affording comfort & privacy to the owners and their guests * Granite Countertops in Kitchen w/Island * Featuring recent updating of 2-HVAC systems * Water Softener * Water Heater * SS Refrigerator French Door w/water & ice dispenser * New Carpeting & attractive neutral tile * Irrigation Updated * other important features are Gas Cook Top * Plantation Shutters throughout * Gas Fireplace in Media Wall * SE facing backyard * All Furniture & BBQ are available * The only thing missing is YOU!

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2745 N 217th Avenue Buckeye, AZ 85396

$799,900

4 Beds

3.5 Baths

2,639 SqFt

Status Active

MLS # 6755214

Property Type Single Family Residence

Price Type --

Ready NOW!! Brand New Never Lived In! Discover The Juniper Floor Plan: a stunning single-story home designed for luxury and comfort. This expansive 2,639 square-foot residence features 4 bedrooms, 3.5 bathrooms, and a 2-car garage, along with versatile flex rooms to fit your needs. Exceptional Features: 12 FT Multi-Slide Door in Great Room: Effortlessly blend indoor and outdoor living, ideal for entertaining guests or enjoying serene mountain views. Spectacular Mountain Views: Enjoy breathtaking vistas from your home, with direct access to the scenic backdrop of the mountains. Desirable Corner Homesite: Positioned on a prime corner lot, offering enhanced privacy and ample outdoor space. Entertainment-Ready Layout: Designed with an open, spacious floor plan perfect for hosting

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708 W Tanya Road Phoenix, AZ 85086

$799,900

3 Beds

2.5 Baths

2,404 SqFt

Status Active

MLS # 6775563

Property Type Single Family Residence

Price Type --

MOUNTAIN VIEWS! This gorgeous home reveals a thoughtfully designed 3 beds, 2.5 baths, & a 2-car garage. Inside, you'll find vaulted ceilings, complemented w/wood-look flooring, stylish light fixtures, ceiling fans, & neutral palette that creates an inviting ambiance. Impressive open floor plan, complete w/a wall-mounted fireplace, enhances space & flow, perfect for entertaining. Well-appointed kitchen boasts abundant cabinets & cupboards topped w/crown molding, SS appliances, a prep island w/a breakfast bar, quartz counters, & a walk-in pantry. Serene main retreat offers plush carpet, a cozy fireplace, & a trending barn door to the ensuite comprised of dual sinks, jetted tub, & a large walk-in closet. For added versatility, this gem includes a flexible den/office & a spacious bonus room! Massive backyard w/a covered patio has tons of room for a pool & your landscape ideas. Look no further! Make it yours now!

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1730 Bella Vista Loop Williams, AZ 86046

New

$799,900

4 Beds

2.5 Baths

2,251 SqFt

Status Active Under Contract

MLS # 6783796

Property Type Single Family Residence

Price Type --

UNDERCONTRACT BEFORE LISTED ON MLS.

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2009 Bella Vista Loop Williams, AZ 86046

$799,900

4 Beds

2.5 Baths

2,251 SqFt

Status Active

MLS # 6669041

Property Type Single Family Residence

Price Type --

New luxury homes on 5-12 Acres. SELLER OFFERING TO BUY DOWN INTEREST RATES. Bring your rustic side to this modern ranch-style, 4 bedroom retreat set on Coconino acreage. The ''Canyon View'' base model features a spacious 2251 sq ft floorplan with split bedrooms divided by the kitchen/living area. The open living room & kitchen has a large waterfall island, tile backsplash & a walk-in pantry. Features also include dual paned windows, an extended length 3-car garage & large covered back patio. Red Lake Mountain Ranch is a gated paradise placed between Williams and the Grand Canyon National Park. Subdivision covers 320AC, 54 unique home sites 5 - 12 acres, each with distinctive terrain and panoramic views. 5000 Gallon Cistern. Owner/Agent Listing. Legal Desc. to be confirmed by title.

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2533 E Russell Street Mesa, AZ 85213

$799,900

4 Beds

3 Baths

2,462 SqFt

Status Active

MLS # 6782135

Property Type Single Family Residence

Price Type --

Quick Closing Move In Ready with Huge Builder Incentives!! Gorgeous Turnkey Move In Ready Home on the Model row with view fencing and nobody directly behind you! 15Ft Wall of Glass at the great room. Huge kitchen island with beautiful white quartz countertops along with upgrades cabinets plus a stainless steel cooktop package. Amazing butler's pantry to the laundry room and then the garage. Storage dreams! This floor plan features 3 bedrooms plus a Den or use it as a 4th bedroom, 3 full bathrooms and a 3-car garage on a special lot!! Finished and completed this home shows final price after all the options/upgrades. Furniture Does not convey and is used for staging purposes.

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1501 N Miller Road Unit 1011 Scottsdale, AZ 85257

$799,900

3 Beds

2.5 Baths

2,080 SqFt

Status Active Under Contract

MLS # 6732406

Property Type Townhouse

Price Type --

COMPLETED NEW HOMES NOW FROM $799900. The Magic of Vistas of Scottsdale. A boutique Enclave of only 16 private, luxury homes in the Heart of Scottsdale - Location is Everything. Open spaces, clean lines & abundant glass create a design experience to merge the indoors and outdoors. Vistas of Scottsdale are curated with a discerning eye using warm, organic tones and natural textures focusing on the personal nature of the home as a retreat. Sweeping Mountain Vistas are captured from the 580sf roof terrace and unique floating overlook to rival a hotel/restaurant environment. The 30ft wide main living area provides unparalleled openness and light. The builder's vision from the inception was to focus on incorporating premium materials to create an innovative Scottsdale lifestyle.

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1163 E Holbrook Street Gilbert, AZ 85298

$799,900

4 Beds

3 Baths

2,867 SqFt

Status Active

MLS # 6771087

Property Type Single Family Residence

Price Type --

Now offering private tours of this stunning single-story home located in the highly sought-after Layton Lakes community in Gilbert, AZ 85298. Lovingly maintained by the original owner, this home exudes pride of ownership and attention to detail throughout. From the moment you arrive, you'll be greeted by gorgeous curb appeal and a beautifully manicured front yard. The backyard continues the theme with a tranquil, thoughtfully designed space that's perfect for unwinding in the evenings or enjoying your morning coffee on the serene back patio. Inside, the open-concept design offers a spacious great room, a gleaming gourmet kitchen, and wide hallways that lead to generously sized bedrooms. The split floor plan ensures privacy, while the oversized rooms provide flexibility and comfort for any lifestyle. Home chefs will love the impressive kitchen, complete with a large gas cooktop and sparkling GE Monogram appliances. The buffet bar is ideal for hosting gatherings, making holiday entertaining a breeze. The east wing of the home is perfectly set up for guest accommodations, with two bedrooms, a full bathroom, and a cozy family room. One of the three-car garages is conveniently accessible from this wing, offering added privacy for guests or multi-generational living. South Gilbert is known for its vibrant community atmosphere, growing businesses, and convenient access to Loop 202, making commutes around the Valley quick and easy. With outdoor recreational opportunities, award-winning schools (Chandler School District), and plenty of local events, it's a fantastic place to call home. Don't miss out on the opportunity to own this exceptional home in one of Gilbert's most desirable communities.

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26715 N 19th Drive Phoenix, AZ 85085

$799,900

4 Beds

3 Baths

3,265 SqFt

Status Active

MLS # 6755777

Property Type Single Family Residence

Price Type --

Located just minutes from the vibrant shops at Norterra, Happy Valley Towne Center, and Sonoran Desert Village, this home offers the perfect blend of comfort, convenience, and luxury. This stunning 4-bedroom, 3-bath home nestled in the highly sought-after 85085 area. From the moment you step inside, you'll be captivated by its spacious design, featuring a split floorplan, a cozy den, and both formal living and dining rooms. The heart of the home is the expansive great room, complete with granite counters, a gas range, and custom cherry wood cabinets. Enjoy the luxury of custom wood shutters and ceiling fans throughout. Recent upgrades include a water heater (2021, $2,000), dishwasher (2023, $700), stove (2024, $1,200), new flooring upon move-in ($25,000), and a brand new Trane AC system installed this week (2024, $24,000). Step outside to your private backyard oasis, perfect for entertaining or relaxing year-round. Take a dip in the heated Pebble Tech pool with a soothing waterfall feature, unwind in the spa, or gather around the outdoor fireplace. Fire up the built-in gas BBQ under the entertainment-sized covered patio, surrounded by lush, custom landscaping in both the front and back yards.

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15802 N 71st Street Unit 604 Scottsdale, AZ 85254

$799,900

2 Beds

2 Baths

1,466 SqFt

Status Active

MLS # 6749936

Property Type Apartment

Price Type --

The Landmark features Resort style living at its finest with excellent amenities & an unbeatable location. Walk to some of Arizona's best dining & shopping options at Kierland & Scottsdale Quarter from this fantastic. Featuring an open great room floor plan, granite countertops, wood flooring and new carpet. This two bedroom two bath split plan unit is turnkey ready. Community features include 24-hour guard gated entrance, concierge, porter, luxurious clubhouse, conference room, heated pool & spa, BBQ area, pizza oven, two fitness centers with steam room & locker rooms. With its spacious 1446 square feet of open living space, high-quality finishes, generous-sized bedrooms with walk-in closets, and ensuite spa-like bathrooms this unit perfectly balances space and style.

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4142 E Zion Place Chandler, AZ 85249

$799,900

3 Beds

2.5 Baths

2,425 SqFt

Status Active

MLS # 6757318

Property Type Single Family Residence

Price Type --

Your DREAM home is here! This gorgeous home includes 3bed/2.5baths with an office. Its charm starts with a manicured landscape & a paver driveway. Home exudes elegance with designer paint, modern light fixtures, tons of natural light, and neutral & wood-look tile flooring t/out. You'll love the large living room with multi-sliding doors to the back! The gourmet kitchen boasts granite counters, ample white cabinetry, a walk-in pantry, a huge island, and SS appliances w/cooktop gas & wall ovens. Main bedroom has outdoor access and an ensuite that offers dual sinks & a walk-in closet w/laundry access. Discover the spacious backyard oasis on an Oversized Lot with a covered patio, built-in BBQ under the Pergola, & a sparkling pool for year-round enjoyment.

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9963 E Sleepy Hollow Trail Gold Canyon, AZ 85118

$799,900

3 Beds

2.5 Baths

3,098 SqFt

Status Active

MLS # 6782018

Property Type Single Family Residence

Price Type --

Looking for a golden nugget in Gold Canyon? This custom 3100 sq ft home situated on a 1-acre lot featuring three bedrooms, 2.5 baths, large office and much, much more. The split primary suite is expansive and offers spa like bathroom, 2 walk-in closets, separate shower and jetted tub. Amazing kitchen with breakfast nook opens to the family room and access to the wrap around patio that encompasses amazing views of the Superstition Mountains. Multiple Living areas both inside and outside give the perfect space for entertaining family and friends. Detached 4 car garage (1200+sq ft) is just what the car enthusiast needs. The fenced 1-acre lot is all usable with great space for a RV garage/workshop or casita. Don't miss viewing this special home. You may just strike gold!!

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