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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18209 E Paria Canyon Drive Rio Verde, AZ 85263

$790,044

2 Beds

2 Baths

1,945 SqFt

Status Active

MLS # 6759499

Property Type Single Family Residence

Price Type --

Welcome to this beautiful home in Trilogy at Verde River an amenity-rich guarded gate community! The Nice floorplan offers 2 bedrooms, 2 bathrooms, an open den, and beautiful upgrades throughout. Enjoy the upgraded 4' extension in garage, corner sliding door at great room, and the huge laundry room with a desk and upper and lower cabinetry. The kitchen has stunning Oxide Polished Quartz Countertops, tile backsplash, and high end stainless steel appliances. The primary suite has an upgraded bay window and a lavish ensuite and walk-in closet.. Do not miss out! The amenities at Verde River are World Class with Tom Lehman inspired eighteen-hole Golf course, tennis courts, pickleball courts, and bocce ball, heated lap pool and Resort style swimming pool, hot tub, Afterburn fitness center, Helen's demonstration Kitchen for cooking classes and a 7.5 acre dog park. The community center has casual poolside dining at Eddy's Diner and gourmet dining at award-winning Needle Rock Kitchen and Tap, Alvea Spa with full-service Salon and Spa amenities, Art Loft and events center. Trilogy at Verde River is adjacent to the Tonto National Forest and is situated in the middle of miles and miles of hiking and biking trails.

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1211 Big Springs Trail Pinetop-lakeside, AZ 85929

$790,000

3 Beds

3 Baths

1,865 SqFt

Status Active

MLS # 6748412

Property Type Single Family Residence

Price Type --

Welcome Home! This exquisite 2024 custom-built Lakeside retreat offers the perfect blend of modern luxury & mountain charm. Nestled within the exclusive gated community of The Retreat at Walnut Creek, this 3-bed, 3-bath residence is designed for both comfort & style. Step inside to discover a thoughtfully crafted interior featuring vaulted ceilings and exposed beams that create an inviting atmosphere. The heart of the home boasts hand-crafted cabinetry & beautiful quartz countertops, complemented by woodgrain tile showers. Gather around the extended one-of-a-kind tile fireplace for cozy evenings or enjoy seamless indoor-outdoor living with covered porches both front & back, ideal for savoring the tranquil surroundings. Surrounded by tall pines, this quality build incorporates modern features such as spray foam insulation for energy efficiency and SPC waterproof flooring for durability. The low-maintenance LP siding ensures you can spend more time enjoying the beauty of mountain life and less time on upkeep. Don't miss your chance to own this exceptional Lakeside home where luxury meets nature. Make your private tour today and start living the mountain lifestyle you've always dreamed of!

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3660 S Golden Eye Lane Gold Canyon, AZ 85118

$790,000

3 Beds

3.5 Baths

3,352 SqFt

Status Active

MLS # 6764447

Property Type Single Family Residence

Price Type --

Discover luxury living with the most desirable Toll Brothers SAN MATEO model, perfectly situated in a GREAT LOCATION. This exquisite residence boasts a breathtaking PRIVATE RESORT BACKYARD, backing to a large wash & featuring a built-in BBQ, FLAGSTONE seating area, PUTTING GREEN, & extended patio an entertainer's dream. The kitchen is a chef's delight, equipped with DOUBLE OVENS, a HUGE ISLAND with breakfast bar, granite counters, Stainless Steel appliances, HUGE WALK-IN PANTRY, & Wine Bar. Retreat to the large primary suite, complete with NEW GORGEOUS floor-to-ceiling tile, walk-in shower, his/her closets & an oversized tub for ultimate relaxation. The split floorplan includes 3 bedrooms, 3.5 baths plus an office/den & bonus/theatre room, ensuring ample space & PRIVACY!

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6925 E Almeria Road Scottsdale, AZ 85257

$790,000

3 Beds

2 Baths

1,596 SqFt

Status Active

MLS # 6770469

Property Type Single Family Residence

Price Type --

Welcome to this beautifully updated home just minutes from Old Town Scottsdale. This completely redesigned home features an oversized backyard with mature trees, large covered patio, a finished detached office or pool house, and a large pool. The home is finished with new lighting, quartz countertops, LPV flooring throughout and a center fireplace open to both the kitchen and family room making this space feel luxurious and open. An energy efficient tankless water heater and new windows have been installed throughout the home.

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4032 S Santa Rita Place Chandler, AZ 85249

$790,000

4 Beds

2 Baths

2,495 SqFt

Status Active

MLS # 6771254

Property Type Single Family Residence

Price Type --

Welcome to your dream home! This beautifully upgraded single-story residence, located in a prestigious gated community, offers the perfect blend of comfort and style. House was been fully upgraded (close to $90K) since 2021, but has been lightly lived in since then. The home boasts a recent transformation with wood-like tile flooring, elegant window shutters, and freshly remodeled bathrooms. Both the front and back yards have been meticulously landscaped, with fresh paint adorning both the interior and exterior. Inside, the split floor plan ensures privacy and space. The gourmet kitchen is a chef's delight, offering raised panel maple cabinetry, stunning granite countertops, an island with a breakfast bar, stylish pendant lighting, new induction stove, new dish washer and new microwave as well. An over-sized great room opens up to the gourmet kitchen. Whether you're hosting family or enjoying quiet meals, this space is designed for both function and beauty. The master suite is a true retreat, featuring a private sitting room, a luxurious bathroom with dual sink vanities, a separate soaking tub and shower, and a spacious walk-in closet. Being within walking distance to essential places like top ranked ACP (Arizona College prep high school), Spouts anchored shopping center , & with easy freeway access, this home is perfectly positioned for modern living. Don't miss out on this opportunity to live in a highly sought-after community with all the upgrades you've been looking for!

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19751 W Turney Avenue Litchfield Park, AZ 85340

$790,000

6 Beds

4.5 Baths

3,371 SqFt

Status Active

MLS # 6778292

Property Type Single Family Residence

Price Type --

Stunning Toll Brothers Home in the Heart of Verrado Welcome to your dream home! This exquisite 6-bedroom, 4.5-bathroom residence boasts over 3,300 sq. ft. of luxurious living space, nestled in the highly sought-after community of Verrado. With a fantastic location near supermarkets and expanding retail options, convenience is at your fingertips. As you enter, you'll be captivated by the 10-foot ceilings that create an open and airy atmosphere. The gourmet kitchen is a chef's delight, featuring a 36-inch cooktop, custom cabinets, and elegant quartz countertops. The large living room is perfect for entertaining, complete with sliding glass doors that seamlessly blend indoor and outdoor spaces. Step outside to your private oasis, where a new pool awaits, surrounded by synthetic turf for easy maintenance. The owner's suite is conveniently located on the main floor, offering a tranquil retreat at the end of the day. This home also includes a spacious 3-car garage and energy-efficient solar panels. Don't miss out on this gem in Verrado, where modern luxury meets community charm. Discover the lifestyle that awaits you!

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904 E Vermont Drive Gilbert, AZ 85295

$790,000

3 Beds

2.5 Baths

2,549 SqFt

Status Active

MLS # 6778478

Property Type Single Family Residence

Price Type --

Like new Meritage home in Velvendo estates in the heart of Gilbert. 3-car garage with epoxy coating, paver driveway, & private secure courtyard. Open formal dining area and living room. Matching 20'' Ceramic tile flooring throughout. 40'' tall cabinets w/crown molding and quartz counters in kitchen & butler's pantry. 10' ceilings and 8' doors. HUGE primary retreat & a private ensuite bath equipped w/two vanities & TWO walk-in closets, and upgraded walk in shower w/rain glass. Sizable bonus teen room ideal for exercise, additional lounging space or easily converted to a fourth bedroom. Oversized backyard includes a huge covered patio w/attached pergola, mature shade trees, landscape lighting & automatic drip system. This home built in 2018 is incredibly energy efficient and is built with the following energy and money saving features: SPRAY FOAM INSULATION, 2x6 High Performance Wall System, ENERGY STAR Appliances, ENERGY STAR Programmable Thermostat, Low E2 Vinyl Windows, 15 SEER HVAC, Dual-Flush Toilets, Fresh-Air Intake, Weather Sensing Sprinkler System, Water-Efficient Fixtures, prewired for security system, LED lighting throughout. Enjoy nearby 202 freeway access. Close to downtown Gilbert, San Tan Mall w/ tons of Shopping (Costco, Sam's Club, Walmart, WinCo & many other great stores), Restaurants, Top Golf, Main Event, Shooting Range, Harkins Movie Theatre, Discovery Park and Cosmo dog park.

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27700 N Silverleaf Road San Tan Valley, AZ 85143

New

$790,000

4 Beds

2 Baths

2,589 SqFt

Status Active

MLS # 6782666

Property Type Single Family Residence

Price Type --

Welcome to luxury living in this beautiful 4 bedroom, 2 bath home in the Laurel Ranch Community. This gem sits on over 1/3 acre featuring professional desert landscaping in the front and a massive turf yard in the back, next to a sparkling pool and covered patio. The oversized insulated garage opens to an extended driveway, with access to plenty of room for all your toys, RV parking or to build your own RV garage! Inside, enjoy an open grate room, split bedrooms, plus extra-large tile & 5'' baseboards throughout. The gourmet kitchen boasts granite counters, two ovens, an induction cooktop, upgraded cabinetry, soft close doors and drawers with pulls. Your private oasis in the backyard is the perfect place to entertain and enjoy unparalleled views of the mountains and AZ sunsets!

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14438 N 99th Street Scottsdale, AZ 85260

$790,000

3 Beds

2 Baths

2,129 SqFt

Status Active Under Contract

MLS # 6773074

Property Type Single Family Residence

Price Type --

Beautiful Home in an amazing community! Home comes with a large kitchen that is perfect for hosting, granite countertops, plenty of cabinet space for storage, gas stove, stainless steel appliances and wine fridge. This light and bright home features travertine tile flooring throughout all the main areas and neutral carpet in the bedrooms. 3 bedrooms + a Den, or 4th bedroom! Lush landscaping in the backyard features artificial turf for low ongoing maintenance. Home is in a quite community but still close to shopping, restaurants, golf and hiking trails. Must see Home!

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5212 S Monte Vista Street Chandler, AZ 85249

$790,000

5 Beds

3 Baths

3,672 SqFt

Status Active

MLS # 6735967

Property Type Single Family Residence

Price Type --

Welcome to Your Dream Home in Chandler, AZ Step into your stunning 3,672 sq. ft., 5 bedroom, 3 bathroom home with a 3-car garage, located in an A+ rated school district. This thoughtfully designed floor plan includes four bedrooms and two bathrooms upstairs, a formal living and dining room, a breakfast nook, and one bedroom and bathroom downstairs, making it perfect for teens, grandparents, or hosting guests. From the moment you approach the double-door entrance, you'll be captivated. The spacious formal living and dining area is highlighted by a gorgeous half-spiral staircase, creating an elegant centerpiece. Before you rush upstairs to explore the expansive master suite with its snail shower, corner garden tub, and huge walk-in closet, as well as two additional spacious bedrooms, take a moment to appreciate the rest of the first floor. The first floor features a seamless flow from the dining area into an open-concept gourmet kitchen and family room with a gas fireplace and a huge walk-in corner pantry. Meal prep and entertaining in this kitchen will be a joy! It boasts a fabulous gas cooktop, upgraded maple cabinets with crown molding, a large center island, and a bayed breakfast nook - the perfect gathering spot for family and guests. Enjoy outdoor living in the backyard oasis, complete with a gorgeous pool. The newly installed grass patch makes maintenance easy while providing a perfect play area for kids or pets. This home is a buyer's dream. Come and experience it for yourself!

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2520 E Linda Vista Drive Flagstaff, AZ 86004

$790,000

4 Beds

3 Baths

2,141 SqFt

Status Active

MLS # 6745915

Property Type Single Family Residence

Price Type --

This move-in ready home on a sizable lot in Flagstaff features 4 bedrooms, 3 baths, a flex room/5th bedroom, and a den/study. Upgraded in 2021, it offers a stone-accented fireplace, a kitchen with new cabinets and brand new smart refrigerator, and a master bath with a cast iron tub and dual sink vanity. The landscaped yard includes a covered porch and paver patio. Updates include double-paned windows, Italian tile flooring, solid wood doors, new bathroom vanities, plumbing fixtures, lighting, Hunter ceiling fans, a gas tankless water heater, and a water softener. Located near Bushmaster Park and local trails, this home in Swiss Manor is a must-see. ***Furniture is not included with the home, but is available on a separate bill of sale.***

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21097 E Sparrow Drive Queen Creek, AZ 85142

$790,000

3 Beds

2.5 Baths

2,516 SqFt

Status Active

MLS # 6755103

Property Type Single Family Residence

Price Type --

Discover an enchanting 3-bedroom + 2 den home looking for its new homeowners! This beauty displays a 3-car garage, paver driveway, timeless stone accents and is an ADT smart home. The perfectly flowing open floor plan will impress you with wood-look tile flooring, bountiful natural light, pre-wired surround sound and a whole house water softener system. Well-appointed kitchen is a chef's dream, fully equipped with a pantry, quartz counters, recessed & pendant lighting, abundant white cabinets with crown moulding, a prep island with a breakfast bar, mosaic tile backsplash, and top-of-the-line SS appliances such as double wall oven & electric cooktop. Romantic main retreat boasts plush carpet, a sunny bayed window sitting area, an ensuite with dual sinks, and a walk-in closet. Adding to the haven's functionality are the sizable den/office and a bonus room. Tranquility awaits in the spacious backyard, which provides a covered patio, artificial turf, and a sparkling pool, promising hours of fun & relief from the summer heat. Don't let this great opportunity pass you by!

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