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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7100 E Cave Creek Road Unit 167 Cave Creek, AZ 85331

$795,000

2 Beds

2 Baths

1,950 SqFt

Status Active

MLS # 6734424

Property Type Apartment

Price Type --

Welcome to your Residential/Commercial opportunity nestled in Stagecoach Village at the heart of Cave Creek! Use your imagination in this unique space featuring vaulted ceilings, plenty of natural light, cement floors, open A/C ducts, ceiling fans, and ample lighting. The huge great room is ideal as a living area, or storefront. The kitchen is fully equipped with built-in appliances, quartz counters, and wood cabinets. The bedrooms are flexible for personal, or business use. The two spacious bathrooms are well appointed and feature roll-under sinks, grab bars, and a roll-in shower. In addition, owners are given 25 feet of outdoor storefront space during all scheduled events. This is a MUST SEE for any imaginative entrepreneur looking for a peaceful home/work balance! Visit us today!

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1640 S Peavine Road Skull Valley, AZ 86338

$795,000

3 Beds

3 Baths

1,814 SqFt

Status Active

MLS # 6743231

Property Type Single Family Residence

Price Type --

Serenity is the feeling this property emotes. The beautiful cottonwood trees bring tranquility to the life in Skull Valley. Located on Peavine Road, this property offers 4.45 acres of usable land. The barn (1238 square feet) and garages (space for over 4 cars) mean you can bring your animals and all your toys. Completely remodeled in 2019, the home boasts 2 en suites, 2 living areas and engineered hardwood floors. The large kitchen, complete with top of the line KitchenAid appliances and quartz countertops, is a chef's dream. The outdoor paver patios (both front and back) make for wonderful entertaining or just sitting outdoors enjoying a cup of coffee. There are several fruit trees and large areas for gardening as well. Truly an oasis and a short drive to all of Prescott's amenities

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8545 E Heatherbrae Avenue Scottsdale, AZ 85251

$795,000

3 Beds

2.5 Baths

1,785 SqFt

Status Active

MLS # 6743698

Property Type Single Family Residence

Price Type --

Charming and move-in ready colonial home in a prime Scottsdale location! This beautifully updated residence features new Shaw vinyl flooring, a new Frigidaire oven and refrigerator, microwave, and dishwasher, along with updated light fixtures and fresh paint throughout. Newer appliances and A/C unit! Enjoy a kitchen with classic charm and modern style with beautiful granite countertops and travertine tile flooring. Relax and entertain in your backyard oasis, complete with a generous covered patio, vibrant landscaping, and a pool with a pebble finish.

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13249 N 11th Avenue Phoenix, AZ 85029

$795,000

4 Beds

3 Baths

2,676 SqFt

Status Active

MLS # 6745404

Property Type Single Family Residence

Price Type --

Seller offering up to 6% ($47,000) concession and home warranty! This income-producing property includes a versatile 1-bed/1-bath casita with vaulted ceilings, skylights, private entrance, full kitchen, and pool access—perfect for rental income, in-laws, or guests! The 3-bed/2-bath main house has a functional layout, fresh paint (inside and out), stainless steel appliances, and an outdoor covered BBQ area. The expansive backyard features mountain views, a diving pool, garden beds, dog run, RV gate, & a 2-car garage in a sought-after neighborhood. Recent upgrades: 2 new HVAC units (Dec 2021), new water heater, quadruple-paned windows in sleeping areas, & a security system. Short-term rental permit in place. Available fully furnished for immediate move-in or rental! Seller is RE agent

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77 S Presidio Drive Gilbert, AZ 85233

$795,000

5 Beds

3 Baths

3,830 SqFt

Status Active

MLS # 6745996

Property Type Single Family Residence

Price Type --

BEAUTIFUL AND SPACIOUS LARGE HOME IN A DESIRABLE LOCATION! HOME BOASTS 5 BEDROOMS, 3 BATHROOMS, AND TONS OF STORAGE SPACE!!! LARGE AND SPCAIOUS KITCHEN AND FRESH PAINT THROUGHOUT THE HOME. BACKYARD IS WELL MAINTAINED WITH LUSH LANDSCAPING. ENERGY EFFICIENT AIR CONDITIONERS THAT WERE REPLACED LESS THAN 5 YEARS AGO. SOLAR SYSTEM ON THE ROOF INCLUDED AND WILL BE PAID OFF AT THE TIME OF CLOSING. THIS BRINGS DOWN THE UTILITY BILLS SUBSTANTIALLY WITH GREAT SAVINGS! RV GATE WITH PARKING ON THE SIDE OF THE HOME. VERY NICE, WONDERFUL, QUIET NEIGHBORHOOD! RARE TO FIND A HOME THIS SIZE IN THIS LOCATION AT THIS PRICE POINT! PLEASE BRING YOUR BUYERS. THEY WILL NOT BE DISAPPOINTED!!!

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2731 E Mead Court Gilbert, AZ 85298

$795,000

5 Beds

2.5 Baths

3,433 SqFt

Status Active

MLS # 6759088

Property Type Single Family Residence

Price Type --

Welcome to your own private oasis! This five bedroom, two and a half bathroom home in the heart of South Gilbert in Shamrock Estates is stunning from top to bottom! Boasting tile floors, a grand staircase with multiple seating areas, granite countertops, a gas range, stainless steel appliances, ample kitchen storage, a beautiful formal dining area and plenty of space for entertaining family and friends. The oversized primary bedroom suite is complete with a double vanity, separate tiled shower and tub, and a huge walk-in closet. Enjoy the loft and spacious bedrooms upstairs, or relax out on the balcony and enjoy the cooler weather to come. The backyard is a piece of paradise with it's crystal blue salt water pool and spa, built-in BBQ, multiple seating areas and tropical landscape. Minutes from multiple parks, shopping, restaurants, entertainment and the Gilbert Regional Park, this house has everything you need.

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6314 E Pinchot Avenue Scottsdale, AZ 85251

$795,000

3 Beds

3 Baths

2,125 SqFt

Status Active

MLS # 6765694

Property Type Townhouse

Price Type --

Step into the perfect blend of timeless midcentury design and modern convenience in this stunning Ralph Haver townhome located in the coveted 55+ Golden Keys community. Boasting a spacious layout with 2B/2B on the main floor, plus a private B/B upstairs which is equipped with its own minisplit AC. Enjoy modern updates including new wood flooring, sleek appliances, and fresh paint throughout, making it truly move-in ready. The lush, low-maintenance landscaping with artificial turf ensures your leisure time is maximized. Situated just minutes from the airport, Old Town, and the AZ country club this home is ideal for both primary living or as a lock-and-leave retreat. Immerse yourself in this time-capsule community where vibrant living meets mid-century architecture.

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168 E Alcatara Avenue San Tan Valley, AZ 85140

Open House

$795,000

3 Beds

2 Baths

2,343 SqFt

Status Active

MLS # 6775751

Property Type Single Family Residence

Price Type --

This gorgeous Chroma model is perfect for those who love to entertain! When you first walk into this home you will be captivated by the open feeling running through the home. The upgraded wood floors are carried throughout the home, as is the neutral & modern color palette. All 3 bedrooms are massive & perfectly appointed to impress your visiting guests. The wet bar, prominently placed is loaded with everything you'll need such as granite counters, custom cabinets, a built-in sink, & wine fridge! Finally, take your party outdoors where the back yard has been updated with a bar, Pergola and expanded entertainment area or gather around the warm fire pit. CURRENT OWNERS ARE GOLF MEMBERS AND THE GOLF MEMBERSHIP CAN BE TRANSFERRED TO THE NEW BUYER. Ask for more details. Owner/Agent

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1693 E Maryland Avenue Phoenix, AZ 85016

Open House

New

$795,000

2 Beds

2.5 Baths

1,793 SqFt

Status Active

MLS # 6784752

Property Type Townhouse

Price Type --

Own a piece of Phoenix history with this stunning Mid-Century Modern townhome designed by the renowned architect, Al Beadle. Its inclusion on the National Registry of Historic Places not only offers significant tax savings but also stands as a testament to its historical importance. This tastefully updated, well-maintained townhome seamlessly blends timeless minimalist design with contemporary amenities. Its peaceful dead-end street location in the heart of the Biltmore area is walking distance to the bustling 16th corridor with its dozens of restaurants while also offering a short, easy drive to Sky Harbor Airport and downtown Phoenix. The modern kitchen boasts stainless steel appliances, gas stove, a wine fridge, quartz countertops, sleek cabinetry and bar seating for casual dining. The 2 master suites upstairs each have thoughtfully updated modern and elegant bathrooms with dual sinks and showers. Floor-to-ceiling windows flood the home with natural light, creating a bright and inviting atmosphere while offering unobstructed views of the outdoor oasis, designed for both relaxation and entertainment. Enjoy year-round use of the plunge pool, thanks to its new heater. The spacious garage accommodates two cars and features an epoxy floor and built-in storage cabinets, providing both functionality and style.

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1503 S Cholla Street Gilbert, AZ 85233

Open House

$795,000

4 Beds

2 Baths

2,208 SqFt

Status Active

MLS # 6763858

Property Type Single Family Residence

Price Type --

Another stunning Bos remodel in highly desirable David Brown Gilbert community. Remodeled top to bottom, from roof repairs to the high-end vinyl plank flooring. Kitchen redesigned into a million dollar home concept, a masterpiece. ALL QUARTZITE kitchen countertops, jumbo slab on 12'x6' island, custom cabinets with double pantry. Floating range hood, very rare design. DELTA faucets & lighting throughout. Upgraded master and guest baths. Extended master vanity, fluted tile, Carrara style porcelain tile in the shower & floors. Includes multiple custom statement walls, a custom mudroom in the laundry, newer Trane AC, and a triple-epoxied 3-car garage. Fresh landscaping & new pavers enhance the backyard, which features a sparkling pebble-tec pool. Close to Downtown Gilbert, schools, and parks.

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5201 E Gelding Drive Scottsdale, AZ 85254

Open House

$795,000

3 Beds

2 Baths

2,121 SqFt

Status Active

MLS # 6765285

Property Type Single Family Residence

Price Type --

Pride of ownership is in abundance in this meticulously maintained 85254 home. This 3bedroom/2bath home has been freshly painted inside and out. Spacious primary suite with plenty of closet space, remodeled bath, and a exercise/office room. Kitchen has gorgeous granite countertops, maple cabinets and stainless steel appliances. Backyard has a diving pool, synthetic grass and a great patio for entertaining. Rv gate on side of home is perfect for boat/car/RV storage. Oh, and NO HOA!

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170 N Parkview Lane Litchfield Park, AZ 85340

Open House

$795,000

5 Beds

4 Baths

2,828 SqFt

Status Active

MLS # 6748642

Property Type Single Family Residence

Price Type --

Beautifully Updated Home in The Village at Litchfield Park Experience this stunning 4-bedroom, 3-bathroom home with a versatile casita with additional bedroom and full bathroom in the sought-after Village at Litchfield Park. Enjoy outdoor living with a gorgeous pool, built-in BBQ, and fire pit, plus a spacious courtyard. Courtyard fountain conveys as-is. The home features a convenient laundry room with cabinets and sink, and all appliances are included as-is. With stylish shutters, roller shades, and ceiling fans throughout, this move-in-ready gem is perfect for both entertaining and relaxing. Don't miss out!

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