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.

Click Here to See What Your Home is Worth

Listing types.

For Sale

For Rent

Land

Multifamily

Commercial

Location Search Nearby

BedsAny1+2+3+4+5+6+

BathsAny1+2+3+4+5+6+

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Property TypeAnyApartmentManufactured HomeSingle Family ResidenceTownhouseTwin Home

School District

Address, MLS# or Keyword

Home SizeAny600 ft2800 ft21,000 ft21,200 ft21,400 ft21,600 ft21,800 ft22,000 ft22,200 ft22,400 ft22,600 ft22,800 ft23,000 ft23,500 ft24,000 ft24,500 ft25,000 ft25,500 ft26,000 ft2

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Distressed

Open House

Location Search Nearby

BedsAny1+2+3+4+5+6+

BathsAny1+2+3+4+5+6+

Price MinAny$500$600$700$800$900$1,000$1,100$1,200$1,300$1,500$1,600$1,700$1,800$1,900$2,000$2,250$2,500$2,750$3,000$3,250$3,500$3,750$4,000$4,500$5,000$5,500$6,000$6,500$7,000$7,500$8,000$8,500$9,000$9,500$10,000

Price MaxAny$500$600$700$800$900$1,000$1,100$1,200$1,300$1,500$1,600$1,700$1,800$1,900$2,000$2,250$2,500$2,750$3,000$3,250$3,500$3,750$4,000$4,500$5,000$5,500$6,000$6,500$7,000$7,500$8,000$8,500$9,000$9,500$10,000

Advanced Options

Property TypeAnyApartmentManufactured HomeSingle Family ResidenceTownhouseTwin Home

School District

Address, MLS# or Keyword

Home SizeAny600 ft2800 ft21,000 ft21,200 ft21,400 ft21,600 ft21,800 ft22,000 ft22,200 ft22,400 ft22,600 ft22,800 ft23,000 ft23,500 ft24,000 ft24,500 ft25,000 ft25,500 ft26,000 ft2

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Location Search Nearby

Lot SizeAny1+ Acres2+ Acres3+ Acres4+ Acres5+ Acres6+ Acres7+ Acres8+ Acres9+ Acres10+ Acres20+ Acres30+ Acres40+ Acres50+ Acres

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Neighborhood

Address, MLS# or Keyword

Location Search Nearby

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

School District

Address, MLS# or Keyword

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Location Search Nearby

Lot SizeAny1+ Acres2+ Acres3+ Acres4+ Acres5+ Acres6+ Acres7+ Acres8+ Acres9+ Acres10+ Acres20+ Acres30+ Acres40+ Acres50+ Acres

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Address, MLS# or Keyword

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

View As: Thumbnails List

Sort by: Select Price, Low to High Price, High to Low Newer Listings First Older Listings First Open House Date

13637 W Hackamore Drive Peoria, AZ 85383

$799,500

4 Beds

2.5 Baths

2,752 SqFt

Status Active

MLS # 6780840

Property Type Single Family Residence

Price Type --

Current promo: $20,000 towards closing costs or rate buy down, FREE Fridge, Washer, and Dryer! *** Step into elegance and modern comfort with the Harmony floor plan—a stunning 2,752 sq ft home designed for those who value both style and functionality. Located in an exclusive gated community, this luxury residence features 4 spacious bedrooms plus a den, 2.5 bathrooms, and a 3-car garage, providing ample space for the entire family. The kitchen showcases sleek, high-end finishes, a double oven, modern cabinetry, a large island, and designer lighting, making it the perfect centerpiece for gatherings. With ample walk-in closets, this home provides abundant storage and convenience. Discover the perfect blend of sophistication and comfort in a home that truly has it all.

View Property

2949 W Wescott Drive Phoenix, AZ 85027

New

$799,500

3 Beds

2 Baths

2,353 SqFt

Status Active

MLS # 6783799

Property Type Single Family Residence

Price Type --

Beautifully updated with a modern yet comfortable design. No HOA, a 17,760 sq ft lot, a pebble-finish pool w/ outdoor shower and meticulously maintained landscape. 2-Car garage w/AC plus an RV Gate and RV parking behind the gates. Luxury plank-tile flooring throughout most of the home. Overlooking the patio, pool and backyard is a bright open kitchen with a 12 ft island, full tiled backsplash, stainless appliances, 42'' upper cabinets with lower drawer stacks, wall-mounted vent hood and lots of storage. Flex Dining Room or Living Room. Tiled dry-bar adjacent to the Great Room with a wood-burning fireplace with TV connection. Bali shades, dual French doors to extended paver patio and pool and gazebo. Perfect condition, walkable, safe established neighborhood.

View Property

18002 N 75th Avenue Glendale, AZ 85308

New

$799,500

4 Beds

3 Baths

3,040 SqFt

Status Active

MLS # 6784674

Property Type Single Family Residence

Price Type --

Experience Luxury living in this incredible 3-bedroom plus den 4th bdrm possibility, 3-bathroom custom home, which was recently remodeled with modern elegance. floorplan features functional design. A highlight of the renovation is the attached guest space, featuring a private entrance, a custom bathroom, and endless potential for multigenerational living or income generation. The kitchen boasts trendy cabinetry, while the bathrooms and floors reflect refined taste. The centerpiece fireplace and ceilings add a unique architectural charm. The master suite is a tranquil retreat, offering a spa-like ambiance with a luxurious Cinderella tub and a soothing electric fireplace. Step into the backyard to find your private oasis—a lush garden retreat designed for relaxation and entertainment. Ejoy the sparkling pool, rejuvenating spa, and charming gazebo, all perfectly crafted to make outdoor living a joy. This home offers not just solitude but a true lifestyle upgrade. A must-see to fully appreciate the upgrades, character, and serenity it provides.

View Property

1510 E Big Rock Road Tucson, AZ 85718

$799,500

3 Beds

2 Baths

2,495 SqFt

Status Active

MLS # 6729524

Property Type Single Family Residence

Price Type --

Price Reduced—Your peaceful escape at the base of the Santa Catalina Mountains is now offered at $799,500! Originally designed by an architect as his personal residence, this home features unique trapezoidal windows inspired by the Inca of Machu Picchu, showcasing jaw-dropping views of Pima Canyon and the Tucson cityscape. Set on a spacious 0.81-acre lot, it boasts unmatched privacy and tranquility. Just minutes from upscale shopping, scenic hiking trails, and world-class golf courses, this property seamlessly blends convenience and serenity. A recent $50,000+ solar system with 28 high-performance panels ensures energy-efficient living. Request your tour today to explore this distinctive home and its stunning surroundings at the foothills of the Santa Catalina Mountains. SCHOOLS Elementary: Harelson Elementary School Middle: Cross Middle School High: Canyon Del Oro High School SOLAR SYSTEM Solar System (recently installed at a cost of $52,900): 28 solar panels (Freedom Forever #MP-BBB-370) x 370 W each = 10.360 kW DC power (7.6 kW @ 240 V); Solaredge SE7600H-US inverter

View Property

7358 E Red Hawk Street Mesa, AZ 85207

$799,500

4 Beds

2.5 Baths

2,757 SqFt

Status Active

MLS # 6734801

Property Type Single Family Residence

Price Type --

Welcome to the beautiful gated community of Las Sendas! NEW ROOF (2022), NEWER A/C UNITS, NEWER WATER HEATER, NEW LVP FLOORING and fresh exterior paint (2024)! This highly desirable single story floor plan features 4 bedrooms, 2.5 baths and a 3 car garage with a POOL! Interior features neutral tones throughout, vaulted ceilings and plenty of natural light. This split floorplan includes a spacious primary bedroom complete with an en suite bathroom and walk-in closet. Secondary bedrooms are separated from the primary suite and have a separate full bathroom with a double vanity and shower/tub. The kitchen is fully equipped with a built-in microwave and oven, island with a cooktop, and walk-in pantry. From the eat-in kitchen, step outside to a large covered patio, a backyard with desert landscaping, a fenced in play pool, and a large grassy area. The garage is equipped with built-in cabinets for ample storage. Community amenities include two swimming pools/spas, parks, trails, pickleball/tennis courts and more. Neighborhood attractions include the Las Sendas Spa & Fitness Club, Trailhead Members Clubhouse, Las Sendas Golf Course & restaurant. Just minutes away from the Salt River and Saguaro Lake. Easy access to Loop 202 and quick commute to Sky Harbor Airport.

View Property

21479 E Pecan Lane Queen Creek, AZ 85142

$799,500

4 Beds

3 Baths

3,122 SqFt

Status Active

MLS # 6742654

Property Type Single Family Residence

Price Type --

RARE GEM WITH AN OVERSIZE LOT !!! Step into a world where your HOME truly feels like a RETREAT. Imagine whipping up culinary masterpieces in an AMAZING KITCHEN that will leave you in awe. With SOFT-CLOSE cabinets that glide effortlessly, a GAS COOKTOP for precision cooking, and DOUBLE OVENS for all your baking needs, this space is a chef's dream. The KITCHEN BACKSPLASH and GRANITE COUNTERTOPS add a touch of elegance and durability, while the stylish KITCHEN HOOD complements the modern aesthetic. Beyond the kitchen, discover UPGRADED FLOORS that lead you to one of the LARGEST LOTS in the area. Your backyard is an ENTERTAINER's PARADISE, featuring a stunning and well maintained 16,000-GALLON LAP POOL that is serviced monthly. OWNED SOLAR HEATER PANEL to extend your swimming season. Enjoy the lush, SYNTHETIC GRASS that requires minimal upkeep and relish the PRIVACY of having NO NEIGHBORS behind you. Inside, the HUGE MASTER BEDROOM offers a sanctuary of space, complete with a VAST WALK-IN CLOSET and DUAL VANITY. STORAGE is never an issue with a MASSIVE 3-CAR GARAGE, fully equipped with plenty of RACKS for all your belongings. An RV GATE ensures you have room for all your adventures. This property is not just a home; it's a LIFESTYLE. Every detail has been carefully crafted to offer comfort, convenience, and a touch of LUXURY. Come and explore your FUTURE OASIS today! You Must See It For Yourself ! Ask Listing Agent For The Video

View Property

8642 E Monterosa Avenue Scottsdale, AZ 85251

$799,500

3 Beds

2 Baths

2,007 SqFt

Status Active

MLS # 6758788

Property Type Townhouse

Price Type --

Welcome to your dream home in the sought after Sands East Community! This stunning single-story home is just minutes from the vibrant atmosphere of Old Town Scottsdale. Designed by the renowned architect ET Wright, each home in this community boasts a unique charm, and this one is no exception.Step inside to discover an inviting open floor plan bathed in natural light, creating a warm and welcoming ambiance. The seamless flow between the living areas makes it perfect for entertaining or simply enjoying a quiet evening at home. The beautifully designed backyard is an inviting retreat as well. With its incredible location, you'll have easy access to the best dining, shopping, and cultural experiences that Scottsdale offers. Don't miss the chance to make this exceptional home your own!

View Property

1526 E Lexington Avenue Gilbert, AZ 85234

$799,500

4 Beds

3 Baths

2,610 SqFt

Status Active

MLS # 6755392

Property Type Single Family Residence

Price Type --

This unique, highly-upgraded one-level home in the Brighton Estates community offers a split floor plan with 4 bedrooms and 3 full baths. Built in 2017 by CalAtlantic/Lennar, the home features 10-foot ceilings, plank tile ceramic floors, and a modern open layout. The private courtyard entry leads to a front bedroom with its own en-suite, ideal as a second primary, home office, or guest suite. An additional flex space in the center of the home can serve as a playroom, office, or sitting area. The expansive primary suite is a true retreat, with a large bedroom, walk-in closet, and spa-worthy bathroom with upgraded marble extended shower and freestanding tub. The open living and kitchen area is the heart of the home, with access to the resort-style backyard through large patio sliders complete with built-in travertine firepit and Weber BBQ island/bar. The gourmet kitchen boasts a giant granite island, upgraded cabinets, double ovens, and gas cooktop. Enjoy low-maintenance living with features like 3 cooling zones, Nest thermostats, and window treatments to keep you comfortable. Conveniently located just 5 minutes from downtown Gilbert and 10 minutes from Freestone Park and the San Tan shopping/entertainment area.

View Property

4368 Stage Stop Way Wickenburg, AZ 85390

Open House

$799,500

2 Beds

2.5 Baths

2,226 SqFt

Status Active

MLS # 6766373

Property Type Single Family Residence

Price Type --

Beautiful Sycamore floor plan with panoramic views from great room and extended covered patio. Large corner lot, low maintenance professional desert landscape with watering system throughout. Popular split floor plan, huge open family room, reading room, large master bedroom with full bath with comfort height toilet and walk in closet, gourmet kitchen, upgraded appliances, undercabinet lighting with soft close doors and drawers, water softener, RO system and central vac. Ceiling speakers thru much of the house, huge laundry room, extended garage with epoxy floor and side entry door.

View Property

705 E Arrowhead Court Payson, AZ 85541

$799,400

4 Beds

3 Baths

2,505 SqFt

Status Active

MLS # 6720290

Property Type Single Family Residence

Price Type --

Million dollar views of the Mogollon Rim. State of the art water treatment system. Heated floors. New tankless water heater. Remote control overhead storage in garage. Premium upgrades in kitchen and bathrooms: custom cabinets, marble/tile shower, walk-in jetted tub. Kitchenette, pellet stove on lower floor. Separate office in 3rd car garage with its own mini-split air conditioner. Large half acre with low maintenance landscaping. 3 car garage. 4 bedrooms and 3 bathrooms. 2500 square feet. This is an absolute ''must see''.

View Property

880 W Golden Ore Pass Apache Junction, AZ 85120

$799,166

4 Beds

3 Baths

3,150 SqFt

Status Active

MLS # 6771685

Property Type Single Family Residence

Price Type --

Beautifully constructed single-story home at Blossom Rock. Loaded with designer features and luxury highlights, this home includes a spacious floor plan, 4 bedrooms, 3 bathrooms, an office, game room, and an attached 3-car tandem garage. The Executive kitchen includes a 36'' gas cooktop and Della Quartz kitchen countertops. Other designer features include upgraded Sarsaparilla cabinets, upgraded satin Nickle fixtures and faucets, a frameless walk-in shower and custom tile surrounds at the primary bath, plank tile flooring with upgraded carpet, and a 16' multi-slide glass door at the Great Room. The home includes an extended back patio and extended dining area, a gas stub for a future BBQ, pavers at the porch and courtyard, and so much more!

View Property

27637 N Ironrock Trail Queen Creek, AZ 85144

$799,000

4 Beds

3 Baths

3,205 SqFt

Status Active

MLS # 6730600

Property Type Single Family Residence

Price Type --

BRAND NEW Construction w/ Custom-Quality Upgrades! This beautiful Modern Farmhouse is located on 1.25 ACRE of Horse Property. Gourmet Kitchen w/ WOLF Appliances, high-end Cabinets w/ 42'' uppers, White Quartz Countertops, 36'' Electric Cooktop, drawer Stainless-Steel Microwave, Steam Oven & Convection Oven, and Wood Plank Tile Floors. Stunning Master Bathroom w/ Freestanding Soaking Tub, Modern Glass Shower & Double Vanities. Exceptional Energy Efficient - boasting Spray Foam Insulation, Premium Trane AC units & High-end Windows. Superior Construction & Craftmanship includes Premium Roofing System, Premium Synthetic Stucco & much more! Estimated completion date NOV/DEC.

View Property