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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1014 E Gaffney Road New River, AZ 85087

$795,000

4 Beds

2.5 Baths

2,699 SqFt

Status Active Under Contract

MLS # 6777661

Property Type Single Family Residence

Price Type --

Picture yourself horseback surrounded by mountain views & spectacular sunsets. Experience the true Western vibe that is everything Arizona. This impressive 2.5 acre property is well designed with a 2699sf home, 5 stall mare motel, tack shed, feed storage, wash rack, turn outs & cooled dog shed. Room to ride on your own property. Enter this welcoming home under vaulted wood plank ceilings w/Saltillo tile floors, art nooks & stylish architecture. Isl kitchen flows well w/granite cntrs, brkfst bar, knotty pine cabinets, SS applcs & walk-in pantry. Huge primary w/FP, dbl sinks, sep tub/shwr & patio exit. North facing cvrd patio overlooks picturesque pebble-tec pool & social area, ready for friends, family & BBQ's. End of the road privacy. Newer HVAC's. Private well. Room for toys & trailers!

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4349 E Smokehouse Trail Cave Creek, AZ 85331

New

$795,000

4 Beds

2 Baths

1,782 SqFt

Status Active

MLS # 6781951

Property Type Single Family Residence

Price Type --

*The Blossom of Ocotillo* Looking for your own slice of AZ paradise? This is THE perfect lock and leave! Situated in the private, gated enclave of Ocotillo at Dove Valley Ranch, this home is on a premium lot with optimum N/S exposure overlooking the 12th tee box. You are welcomed inside with vaulted ceilings and a bright and light open floor plan complete with updated 12x60 porcelain tile flooring. Perfectly appointed kitchen remodeled in 2024 boasting quartz countertops, updated appliances, and an extended island. The primary bathroom remodeled in 2024 is sure to delight and relax. Enjoy the AZ outdoor lifestyle in your gorgeous backyard. Pebble tec pool with maintenance-free turf accents the area with lovely desert flora—hiking, golf, dining, and shopping all nearby.

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3691 S Barberry Place Chandler, AZ 85248

$795,000

4 Beds

2 Baths

2,280 SqFt

Status Active

MLS # 6672641

Property Type Single Family Residence

Price Type --

Seller may consider buyer concessions if made in an offer. Welcome home to this charming property In Ocotillo! A rare find, premium WATERFRONT lot! The natural color palette throughout this home creates a warm and inviting atmosphere. The kitchen features a center island and a nice backsplash. Other rooms offer flexible living space to meet your needs. The primary bathroom boasts double sinks and good under sink storage. Step outside to the fenced in backyard where you'll find a private in ground pool and a covered sitting area, perfect for relaxing or entertaining. Enjoy the fresh interior paint that adds a clean and modern touch. Don't miss out on this fantastic opportunity to make this house your new home!

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3438 N 30th Street Phoenix, AZ 85016

$795,000

3 Beds

3 Baths

2,017 SqFt

Status Active

MLS # 6693796

Property Type Single Family Residence

Price Type --

Welcome to this beautifully remodeled home that will not dissappoint! Vaulted ceilings in the main living space greet you as soon as you walk through the door. Major remodel in 2021 including all new flooring, plumbing, kitchen, bathrooms, paint inside and out, windows, AC, tankless water heater, and pool equipment. Enjoy and relax with your family and friends in the private backyard with heated pool. Centrally located, easy access to freeways, Camelback Mountain, Old Town Scottsdale, great restaurants and shops. Parking is available for 4 cars in driveway, additional street parking.

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6673 Gleeson Road Tombstone, AZ 85638

$795,000

3 Beds

2 Baths

2,831 SqFt

Status Active

MLS # 6729535

Property Type Single Family Residence

Price Type --

In order to fully appreciate what makes this home so special, please ask for the supplement.

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4430 E Des Moines Street Mesa, AZ 85205

$795,000

5 Beds

3 Baths

4,014 SqFt

Status Active

MLS # 6715090

Property Type Single Family Residence

Price Type --

This charming residence is nestled in Mesa's Valencia Groves community and offers five spacious bedrooms and three full bathrooms. Positioned on a secluded corner lot with a North/South exposure, this home enjoys privacy and ample natural light. The kitchen features a fantastic layout, ideal for entertaining, and seamlessly opens to the family room. Additional amenities include a convenient downstairs laundry room with a laundry chute. Outside, the backyard is a tranquil oasis, boasting a generous patio, a sparkling pool with a brand new pool filter, and a delightful garden area. Don't miss the chance to make this your new home!

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7447 E Christmas Cholla Drive Scottsdale, AZ 85255

$795,000

4 Beds

3 Baths

2,153 SqFt

Status Active

MLS # 6721056

Property Type Single Family Residence

Price Type --

Welcome to this beautiful home perfectly nestled in the high Sonoran Desert surroundings of North Scottsdale! Gorgeous upgrades throughout combine with a flexible and spacious floor plan to provide you an amazing combination of style and livability! Large expanded gourmet kitchen features slab granite counters, upgraded stainless steel appliances, gas range, center island and large walk-in pantry. The kitchen flows to the great room anchored by built-ins, fireplace and a view to your sparkling play pool! You will also find 4 bdrms (4th could be den/office), dual closets in owner's retreat, huge loft which could easily afford another bedroom, home theater, gym-endless options, renovated baths and all appliances included! HVAC replaced in 2021 and all new irrigation systems front and back!

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2873 E Birchwood Place Chandler, AZ 85249

$795,000

5 Beds

3.5 Baths

4,015 SqFt

Status Active

MLS # 6723653

Property Type Single Family Residence

Price Type --

Welcome home to this stunning 2-story home in Riggs Ranch Meadows. On almost a 1/4 acre, enjoy this private backyard with mountain and water views, a lap/diving pool, and a covered patio. This large back yard borders a unique pond that is lined with large trees and cottonwoods. Custom 18'' tile flooring, new carpet throughout, granite countertops, and travertine backsplash. Kitchen presents custom cabinets with crown molding and rollout shelves. Enjoy two large master bedrooms, one upstairs and one downstairs. All bedrooms have walk-in closets and ceiling fans. 4' extension to a large 3-car garage, workbench, and endless storage. Don't miss out on this great opportunity!!!!

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2366 E Shea Boulevard Phoenix, AZ 85028

$795,000

4 Beds

3 Baths

2,565 SqFt

Status Active

MLS # 6709967

Property Type Single Family Residence

Price Type --

Welcome to your dream home! Nestled in the Desert Vista Community off Shea Blvd, this beautifully remodeled property boasts an inviting backyard oasis complete with a above ground spa. Enjoy the seamless blend of Scottsdale & Phoenix amenities right at your doorstep. The home features a finished versatile attached room for living, rental, hobbies, or staff quarters. Primary Bedroom boasts a resort like stream shower! Don't miss the chance to own this stunning retreat in one of the best locations, where modern updates meet cozy charm. Walking distance to schools. Make this your next move and experience the perfect blend of comfort & convenience! Oh and by the way..interested in hiking, trails and views? This location offers all of that at your doorstep with marked trails in every direction

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2568 W Post Oak Drive Prescott, AZ 86305

$795,000

4 Beds

2.5 Baths

2,438 SqFt

Status Active

MLS # 6726845

Property Type Single Family Residence

Price Type --

Nestled amidst towering trees, this expansive estate offers sweeping views of Granite Mountain & the Prescott National Forest. Set on 2 acres, the residence boasts 4 bedrooms, including a second bedroom with an ensuite. A striking stone fireplace anchors the living area, complemented by a breakfast bar in the gourmet kitchen. The spacious Primary Suite features bay windows w/ a cozy window seat, dual sinks, a large soaker tub, a separate shower, & a walk-in closet. An Arizona room offers a seamless indoor-outdoor experience. Additional highlights include a large laundry room, a bonus partial basement with outside access, a 3-car garage with a workbench area, rolling sunscreens, & ceiling fans throughout. This property epitomizes serene living in a picturesque Prescott setting.

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7009 W Palomino Way Coolidge, AZ 85128

$795,000

5 Beds

2.5 Baths

3,345 SqFt

Status Active

MLS # 6725832

Property Type Single Family Residence

Price Type --

Absolutely stunning home on an oversized lot. This semi-custom home has recently been tastefully updated. Plenty of space inside and out. An entertainer's dream kitchen with large granite island, gas stove and spacious pantry! This home has it all and it is rare that a home like this becomes available. Enjoy mountain views and serene sunsets.

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11656 N 135th Place Scottsdale, AZ 85259

$795,000

3 Beds

2.5 Baths

1,945 SqFt

Status Active

MLS # 6729798

Property Type Townhouse

Price Type --

Beautiful townhome at the base of McDowell Mountains backing to private natural area for extra privacy. Enjoy this view on the patio featuring an electronic awning, firepit, and gas bbq on patio ready for your perfect outdoor experience. Community includes heated pool & spa. Downstairs features a spacious kitchen with Calacatta marble island, glass cabinet inserts, under cabinet lighting, mirror backsplash, and Bosch applicance. Recently updated flooring, remodeled bathrooms, epoxy garage floor, loads of storage. This is the perfect home for full or part time residents. Close to hiking trails, new restaurants, and Mayo clinic. Owner is motivated so bring offers!!

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