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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19248 N 78th Lane Glendale, AZ 85308

$799,000

5 Beds

3 Baths

3,075 SqFt

Status Active

MLS # 6759885

Property Type Single Family Residence

Price Type --

Gorgeous curb appeal! Featuring 3,075 sq ft, 5 beds, 3 baths, 2 levels, 3 car garage, and fireplace. The upgraded chef's kitchen showcases quartzite stone countertops, under counter beverage refrigerator, wolf gas range, stainless steel appliances, upgraded lighting, soft close drawers & cabinets. Whole house water filtration system to every faucet & water softener. Formal dining and separate guest seating area, master balcony, upgraded flooring throughout. Artificial turf in front and back yards, 7 mature fruit producing trees (orange, lemon, lime, kumquats, and pomegranate), rose bushes, 2 producing grape vines, private herb & vegetable garden. The backyard bistro lighting, covered patio, sparkling gated pool, hot tub, wood burning fireplace, and up lighting create the perfect ambience to entertain guests.

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18344 W Santa Irene Drive Goodyear, AZ 85338

$799,000

5 Beds

4.5 Baths

4,005 SqFt

Status Active

MLS # 6762225

Property Type Single Family Residence

Price Type --

REDUCED - BRING ALL OFFERS ! Spacious Custom territorial home located near the South Lake of the prestigious Estrella master planned community with private pool and gorgeous mountain views boasting over 4000 square foot . 5 bedroom 4.5 bath - Welcoming gated courtyard - tiled formal living and dining room with wood shutters - chefs eatin kitchen - granite countertops with large center island and vegetable sink - 2 dishwashers -double oven - staggered hickory cabinets - large butler pantry with glass on cabinet doors - downstairs mother in law set up or guest suite with kitchenette and separate exit - Walkin closets - His and her sinks in master bathroom - Jetted master tub -Pool house with bath - vacuum system

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5133 W Trotter Trail Phoenix, AZ 85083

$799,000

6 Beds

4 Baths

4,070 SqFt

Status Active

MLS # 6763264

Property Type Single Family Residence

Price Type --

STUNNING 6 bed / 4 bath home in popular Stetson Valley! 6 large bedrooms. Gourmet kitchen boasts beautiful leather granite countertops, stainless steel appliances, recessed lights, loads of cabinets & huge pantry with 2nd refrigerator. Owner's retreat has large walk in closet, 2 sinks, step-in shower and garden tub. Featuring numerous amenities for active lifestyles, easy access to I-17, Close to Schools, Shopping, & Entertainment! This stunning property has laminate throughout, extended 3 car garage, RV gate, spacious living & dining areas. Amazing resort style backyard has covered patio and sparkling pool w/ rock grotto & slide. Make this cozy home your own. Come take a tour yourself and make an offer today!

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2059 E Flamingo Way Gilbert, AZ 85297

$799,000

4 Beds

3 Baths

1,963 SqFt

Status Active

MLS # 6765743

Property Type Single Family Residence

Price Type --

Simply beautiful, immaculate newer home in a prime Gilbert, gated community. Premium corner lot, Urban Farmhouse elevation. Neutral plank wood-look tile throughout, shutters, upgraded lighting, wainscoting, custom molding designer touches, full sliding glass back wall in family room with all of the upgrades! Great room plan with 4 bedrooms, 3 full bathrooms and 3-car tandem garage. Lovely kitchen with quartz tops, white cabinets, upgraded appliances, hardware, farmhouse sink, gas range and walk-in pantry. Generous sized secondary rooms, split floor plan. Master suite with ensuite. Double raised vanity, free-standing tub and oversized tiled walk-in shower. Turf in front/back with extended stone/pavers for low maintenance. Must see!

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11014 E Regal Drive Sun Lakes, AZ 85248

$799,000

2 Beds

2.5 Baths

2,668 SqFt

Status Active

MLS # 6782261

Property Type Single Family Residence

Price Type --

Beautifully updated 2BR, 2.5BA plus den home on the golf course in the amazing active adult community of Palo Verde at Sun Lakes. Luxury vinyl flooring and modern baseboards throughout main living areas. Great room with fireplace and French doors to side patio. Open concept kitchen with painted cabinets, new SS appliances, quartz counters and wrap around breakfast bar for entertaining. Murphy bed in the large office/den. Enormous primary suite w/step-in tiled shower, jacuzzi tub, granite counters and huge walk-in closet. Newly tiled shower in spare bath w/soft-close glass doors. Great golf watching from fully covered back patio, plus personal putting green. Furnishings available in this move-in ready charmer! Start enjoying Palo Verde with golf, tennis, pickleball, fitness center & more.

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3209 Rising Sun Ridge Wickenburg, AZ 85390

$799,000

2 Beds

2.5 Baths

2,191 SqFt

Status Active Under Contract

MLS # 6695553

Property Type Single Family Residence

Price Type --

Located in the Wickenburg Ranch resort community, this exquisite home boasts 2 bedrooms and 2.5 bathrooms, each meticulously designed and highly upgraded to offer unparalleled comfort and luxury. Stepping inside, the attention to detail is evident, with sleek finishes and modern amenities adorning every corner. The heart of the home lies in its stunning and private backyard, where a shimmering pool, encased in elegant heat resistant tile, beckons for relaxation and enjoyment. The outdoor fireplace provides a tranquil escape, perfect for alfresco dining or entertaining guests. An upgraded kitchen, equipped with state-of-the-art appliances and designer finishes, stands as the culinary centerpiece, inviting culinary creativity and gourmet gatherings. A standout feature of this residence is its 3 car garage, equipped with epoxy flooring and custom cabinets. Enhanced insulation in the entire home ensures year-round comfort, while owned solar panels exemplify a commitment to sustainability. In every aspect, this home epitomizes sophistication and refinement, offering a lifestyle of unparalleled luxury.

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9586 E Chuckwagon Lane Scottsdale, AZ 85262

$799,000

3 Beds

2 Baths

1,832 SqFt

Status Active Under Contract

MLS # 6715664

Property Type Single Family Residence

Price Type --

One of the most popular floorplans in Legend Trail features open kitchen and great room, Rear of home faces north with expansive views of the Legend Trail Golf club and Desert Mountain. Deep buffer zone so no trouble with golf balls. Recently remodeled master and secondary baths. Short walk to golf club and community center w/pools, tennis, pickle ball and fitness center. Many upgrades (see documents tab) including new in-ground heated spa and all windows replaced. Great for full-time or lock and leave. Available to show 6/7/24.

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14623 W Plum Road Surprise, AZ 85387

$799,000

4 Beds

2 Baths

2,514 SqFt

Status Active Under Contract

MLS # 6716578

Property Type Single Family Residence

Price Type --

This beauty features an expansive front yard, owned solar panels, and an inviting front porch perfect for welcoming guests. Parking will never be an issue here, with a spacious 3-car garage and an easy-access open lot for your toys, RVs, and more. Fall in love with the exquisite interior highlighting vaulted ceilings, exposed beams, plantation shutters, soothing paint tones, sleek wood-plank tile flooring, and a generous living room with a contemporary fireplace. Enjoy a delightful feast in the formal dining room with stylish light fixtures! Gourmet kitchen is designed with high-end SS appliances, quartz counters, alluring tile backsplash, ample white cabinetry with crown molding, a walk-in pantry, recessed lighting, and an island with a breakfast bar. Escape to the vast backyard, which provides a covered patio, an outdoor kitchen with a built-in BBQ and a brick pizza oven, lots of space for memorable gatherings, and fantastic mountain views! Don't miss the grandeur that awaits in every corner of this remarkable residence! Solar Owned!

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1703 W Davidson Circle Unit 0 Payson, AZ 85541

$799,000

3 Beds

2 Baths

1,760 SqFt

Status Active Under Contract

MLS # 6727942

Property Type Single Family Residence

Price Type --

PRICED TO SELL!!! Hangar Homes in the Mazatzal Airpark in Payson don't go on the market all that often, especially when it's complete with a 44Ft Wide x 4OFt Deep x 16Ft High Hangar. This gorgeous 3 Bedroom, 2 Bath has all the amenities you need including upgraded flooring, granite countertops throughout, gas/wood fireplace with a custom mantle, 3-car garage, enclosed garden area, lots of trees for privacy and a whole lot more. Fire up your plane or your toys and come take a look at this beautiful home. The front yard, with it's welcoming fire pit, has hosted numerous BBQ gatherings over the years and underscores what makes this neighborhood so great - friendly, quiet and highly desireable. Whether it's a shiny new plane you want to protect or maybe a fleet of cars, there's Whether it's a shiny new plane you want to protect or maybe a fleet of cars, there's plenty of space to park inside & outside! HANGAR DIMENSIONS:: 44Ft Wide x 40Ft Deep x 16FT High Ceilings HANGAR OPENING: 40FT 6.5IN WIDE X 12'5' HIGH RV DOOR OPENING: 14FT High x 10FT Wide Roll-up Door with Remote Control The entire hangar is foam-insulated.

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10226 E Thatcher Avenue Mesa, AZ 85212

$799,000

3 Beds

2.5 Baths

2,470 SqFt

Status Active Under Contract

MLS # 6751403

Property Type Single Family Residence

Price Type --

Live in Luxury in the highly desirable Eastmark community! This 3-bedroom, 2.5 bathroom home boasts a stunning backyard oasis, perfect for both relaxation and entertainment. Dive into your private pool, complete with a swim-up bar and spa, or unwind under the spacious ramada. Whether you're hosting adult gatherings or enjoying fun family activities, this backyard is designed for every occasion. With north-south exposure and countless amenities, this home offers an exceptional lifestyle that goes beyond expectations. Discover all that Eastmark has to offer, a must see today! Don't let this one get away.

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4629 W Summerside Road Laveen, AZ 85339

$799,000

6 Beds

4.5 Baths

3,785 SqFt

Status Active Under Contract

MLS # 6756376

Property Type Single Family Residence

Price Type --

Say YES to this stunning custom-designed executive home! Its indoor and outdoor features are a must-see! This home is located in an urban village just south of Phoenix, Laveen Village. Just eight miles from Downtown Phoenix entertainment venues, restaurants, and sports arenas. Enjoy this half-acre private yard with open spaces, stunning sunsets, and mountain views—easy access to the 202 freeway connecting to I-10, with Sky Harbor Airport just minutes away. Laveen Village is where old western history and urban development meet, offering its residents a comfortable lifestyle. This home offers expansive living areas both inside and out. Flex space, living/dining rooms, chef kitchen, bedrooms, baths and so much more. Make this home the ONE for you!

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5427 S Verde -- Mesa, AZ 85212

$799,000

4 Beds

3.5 Baths

3,537 SqFt

Status Active

MLS # 6766315

Property Type Single Family Residence

Price Type --

Location, location, location, this home sits across from the greenbelt and park. This move in ready home features a guest suite downstairs and a huge loft upstairs, 4-bedroom, 3.5 bath as well as a split 3 car garage with upgraded openers on both doors and downstairs laundry with sink. Community amenities galore with fitness center, internet café, lap pool, slide pool and hot tub. Hurry on over as this home will not last!

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