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

1602 W Milagro Avenue Mesa, AZ 85202

$790,000

4 Beds

3 Baths

2,685 SqFt

Status Active Under Contract

MLS # 6698790

Property Type Single Family Residence

Price Type --

Brand New Roof finished 9/23!! Act now and take advantage of your chance to own the best home on Dobson Ranch Golf Course! Right when you walk in, you'll see the custom iron front door, beautifully updated floors, a HUGE open kitchen with GE Cafe white appliances and a waterfall island, vaulted ceilings, a detached office, & don't forget the dry bar area with two beverage/wine fridges!! Upstairs, you have four bedrooms, a beautiful primary suite, and a panoramic walk deck with views of the golf course! Outside is a NEW Pebble Tech pool and an entertainer's dream yard! All your big-ticket items are covered with new dual-pane windows and sliders throughout, new pool equipment, a new garage door and motor, a new water heater, a patio roof, and more. See it today and experience the best of the AZ lifestyle!

View Property

9944 W Spur Drive Peoria, AZ 85383

Open House

$790,000

4 Beds

3.5 Baths

3,071 SqFt

Status Active

MLS # 6766812

Property Type Single Family Residence

Price Type --

Enjoy gorgeous mountain and sunset views from this 2018 built Taylor Morrison home in the popular Tierra Del Rio Northlands neighborhood in the Northwest Valley. This spacious 4 bedroom plus den & generous loft area includes beautiful features such as a cul de sac location, wood like tile, 42'' white upgraded cabinets, quartz countertops, plantation shutters throughout, amazing primary bedroom walk in closet, epoxy floor three car tandem garage with built in cabinets & 220v, first floor den, primary shower with glass & tile, saltwater pool and spa, gas firepit, travertine stone covered back patio and pool surrounds, raised brick planter, additional fenced play or pet area on east side of home, solar plus walk in closets in all bedrooms, numerous cabinets and lots of storage. Hiking trails as well as access to Paloma Park within walking distance. This home has it all . . . Prime location and beauty all around.

View Property

4825 S Orbit -- Mesa, AZ 85212

Open House

$790,000

4 Beds

3.5 Baths

2,623 SqFt

Status Active

MLS # 6742014

Property Type Single Family Residence

Price Type --

Welcome home to a perfect blend of luxury, comfort, and entertainment possibilities. This stunning single-level, energy-efficient home in Eastmark features a thoughtfully designed split floor plan, with the primary suite on one side and the additional bedrooms (plus a den) on the other. Boasting three and a half bathrooms, this residence offers ample upgrades and comfortable living spaces, making it an ideal place to call home. As you enter, you'll be greeted by a grand hallway with tray ceiling accents and open-concept living area. Professionally designed upgrades are evident throughout, including the gourmet kitchen with upgraded shaker cabinetry, a large inviting island, quartz countertops, and a designer-appointed tile backsplash. This home has enhancements all throughout such as designer wood plank tile throughout, brand new carpet in the bedrooms, upgraded lighting, modern ceiling fans, modern tile wall with TV mount, a spa-like primary bath with a beautiful walk-in shower, and a primary closet with a door to the laundry room. Additionally, it features a 2-car PLUS tandem garage with an epoxy floor and storage racks. Step outside into your own personal oasis, complete with a sparkling pool & spa, pergola, built-in grill, and smoker. Enjoy your refreshing private pool oasis and spa on a hot summer day or host memorable poolside gatherings, this backyard is sure to be the focal point of endless enjoyment. Eastmark is the ultimate destination for families, professionals, and anyone seeking the perfect blend of luxury and convenience. Dive into a vibrant lifestyle in this dynamic community, where you can enjoy a world-class resort experience complete with a luxurious community pool, splash pads, numerous parks, a one-acre organic Steadfast Farm, and the state-of-the-art clubhouse, The Mark. Don't miss the chance to experience luxury living at its finest and make this exceptional home yours!

View Property

35532 N Sunset Trail San Tan Valley, AZ 85140

Open House

$790,000

2 Beds

2 Baths

2,043 SqFt

Status Active

MLS # 6758091

Property Type Single Family Residence

Price Type --

Beautiful Home in Encanterra - The Master of Resort Style Living! The ''Chroma'' is a split Floor Plan featuring 2 bedrooms, 2 bathrooms and a den. This spacious floor plan offers an open concept living area, perfect for entertaining. This elegant home showcases exquisite custom tile upgrades throughout with plantation shutters, upgraded lighting & paint. In your backyard under the pergolas you have turf grass with gorgeous mature plants, and you will enjoy beautiful private sunsets by night, and by day; custom mechanical sunshades create a private haven. The 3 car tandem garage has extra cabinets and is home to the tankless water heater and RO/soft water systems. You will be ONLY 1 block from The Algarve Rec center for a convenient social life. See More... The resort lifestyle here offers a plethora of social activities to include golf, sport courts including pickleball, pools, spa, salon, restaurants etc.... or you can stay in for evening and enjoy your beautiful home under the sunset.

View Property

22837 E Alyssa Road Queen Creek, AZ 85142

$789,990

4 Beds

3 Baths

3,162 SqFt

Status Active

MLS # 6768331

Property Type Single Family Residence

Price Type --

Newest designed plan, the Juniper to be completed this winter. This home is situated on a larger homesite with double gate access. Sultana at Madera allows for quiet living with convenient access to the 24 Freeway and Shopping while providing amazing community ammenities including a community pool, pickle ball, bocce ball, playgrounds, bbq's, and ramadas. Our lovely quick move in home features wood plank tile floors neutral in color in the main living areas, plush carpeting in the bedrooms, White shaker style cabinets , deco wrapped island ,quartz kitchen countertops & unique tile backsplash. This is showcasing a 4 bedroom & 3 baths, parlour,den & teen room. Den leads to a private courtyard~The Juniper features 8' interior doors, 10' ceilings, pendant prewires over the island, ceiling fan prewires in all bedrooms and great room, designer tile in the primary bathroom with an enlarged tile shower ~free standing tub~~upgraded plumbing and lighting fixtures. A coastal style design to the home. We also model the Juniper at Sultana at Madera

View Property

27231 N 73rd Lane Peoria, AZ 85383

Open House

$789,990

5 Beds

4 Baths

3,176 SqFt

Status Active

MLS # 6748516

Property Type Single Family Residence

Price Type --

No back neighbor, scenic views! Experience the charm of Aloravita, nestled within the scenic mountains of Peoria. This community boasts breathtaking views and is conveniently located minutes away from shopping, dining, hiking trails and more! Our popular 'Miraval II' floorplan features 5 full bedrooms plus a game room and library, 4 bathrooms, 4 Car-Garage and a private yard with views! Designer selected finish includes White Cabinetry, Quartz Kitchen Countertops, Wood Like Tile Throughout, and Plush Carpet in all the bedrooms. This beautiful home will have it all including 8' doors, Gourmet Gas Kitchen, Smudge Proof Stainless Steel Appliances, Blinds, Pre-Plumb for Soft Water, and Smart Home Technology. Home is ready to call home! *Photos of model home*

View Property

13776 W Calle De Baca -- Peoria, AZ 85383

$789,990

4 Beds

3.5 Baths

2,938 SqFt

Status Active

MLS # 6751976

Property Type Single Family Residence

Price Type --

Up to 3% of Base Price or total purchase price, whichever is less, is available through preferred lender. This elegant home features a first-floor owner's suite with a spacious den/office, an extended walk-in closet, a 2-foot rear extension, a cozy fireplace in the great room, and a large sliding glass door leading to a covered patio.

View Property

2206 W Remington Drive Chandler, AZ 85286

$789,990

5 Beds

3 Baths

3,613 SqFt

Status Active Under Contract

MLS # 6736475

Property Type Single Family Residence

Price Type --

Welcome to your new home in Price Corridor! Centrally Located Pecos Vistas 2 is a beautiful gated community built by Maracay Homes. This home boast 5 bedrooms, 3 full bathrooms and a spacious loft. A modification to the original floor plan brings great functionality to the first-floor bedroom which is accessible through a private entrance from the single car garage. Upgrades include Luxury Vinyl Plank flooring on first and second floor, 2 New AC units (2023), dual pane vinyl windows (2023), new blown in insulation, new tile surrounds in secondary bathrooms, custom Jacuzzi brand shower in Primary suite, New stainless steel refrigerator and dishwasher in kitchen, new ceiling fans, plantation shutters, interior & exterior paint.

View Property

18958 N 91st Way Scottsdale, AZ 85255

$789,900

3 Beds

2 Baths

1,568 SqFt

Status Active

MLS # 6771755

Property Type Single Family Residence

Price Type --

This is it! The perfect single level home is now available in Ironwood Village. This beautiful home features vaulted ceilings, an open floor-open, updated kitchen with shaker style white cabinets along with Quartz counter-tops and waterfall edging on the peninsula, stainless steel appliances, updated lighting, wide plank tile flooring throughout, hall bathroom has Quartz counter-top vanity and tile wrapped shower surround, primary bathroom has dual sinks with spacious walk-in shower and separate soaking tub and much more. The back yard is great for entertaining with an oversized covered patio, sitting area with lush landscaping and grass area for pets. The location is ideal with hiking, shopping, golf and restaurants all close by!

View Property

124 W Patriot Drive Payson, AZ 85541

$789,900

3 Beds

3 Baths

2,729 SqFt

Status Active

MLS # 6766160

Property Type Single Family Residence

Price Type --

PRICE REDUCED! Great deal on this site-built, spacious, 3 bedroom, 3 bath home in a quiet, private community. One acre lot with horse privileges and corral. Fully fenced lot even has an automatic electric gate for private entry. Horse barn with power and water. Fully finished Tack room too. OH! And a great Tuff Shed! Living space galore downstairs. Upstairs, are the Master and secondary bedrooms. Plenty of privacy and useful space. Big island kitchen with lots of counters, cabinets and extra seating thanks to the giant island AND a separate bar area in the bay window overlooking the outside. 6 burner gas range for pro-level cooking and large formal dining room. Giant family room to hang out with EVERYBODY! Check out the pics & tour. Area on Community well. Excellent service history.

View Property

3024 S Bell Place Chandler, AZ 85286

Open House

$789,900

5 Beds

3.5 Baths

3,815 SqFt

Status Active

MLS # 6756585

Property Type Single Family Residence

Price Type --

BASEMENT HOME in prime Chandler Location. The perfect blend of space, style, and serenity, this 5-bedroom, 3.5-bathroom Chandler home has it all! Picture enjoying movie nights in the cozy basement or sharing meals in the beautifully updated kitchen. Step outside to your private oasis—mature trees, a large covered patio, and a tranquil sitting area next to a charming water fountain create the ideal setting for relaxation and outdoor fun. Large primary en suite includes walk in shower, dual sinks, and large walk in closet. Open concept living sees a large great room area filled with natural light - large windows in the living room showcase the lush backyard and the windows in the dining room offer a serene setting while dining. A large granite covered island anchors the kitchen and 42'' Upper cabinets add to the practicality and beauty of the kitchen. The hallway leads you to a built in desk area perfect for homework area or a home office. Further down you find large secondary bedrooms, a full bathroom, and a large laundry room. Head down to the basement and you will find updated flooring, a great wet bar area and a large open space perfect for hosting the big game, or playing pool! 2 more bedrooms and a full bathroom with dual sinks finish out the basement.

View Property

7406 W Whitehorn Trail Peoria, AZ 85383

Open House

$789,500

5 Beds

4 Baths

3,176 SqFt

Status Active

MLS # 6764998

Property Type Single Family Residence

Price Type --

Home for the holidays, December completion. Experience the charm of Aloravita, nestled within the scenic mountains of Peoria. This community boasts breathtaking views and is conveniently located minutes away from shopping, dining, hiking trails and more! Our popular 'Miraval II' floorplan features 5 full bedrooms plus a game room and library, 4 bathrooms, 4 Car-Garage and a private yard with views! Designer selected finish includes Burlap Cabinetry, Quartz Kitchen Countertops, Wood Like Tile Throughout, and Plush Carpet in all the bedrooms. This beautiful home will have it all including 8' doors, Gourmet Gas Kitchen, Smudge Proof Stainless Steel Appliances, Blinds, Pre-Plumb for Soft Water, and Smart Home Technology. Photos of model home to show layout, options may vary*

View Property