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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2476 E Marlene Drive Gilbert, AZ 85296

$789,000

4 Beds

2 Baths

2,520 SqFt

Status Active

MLS # 6762122

Property Type Single Family Residence

Price Type --

Welcome to this beautifully updated 4-bedroom, 2-bathroom home in Greenfield Estates. With meticulous care and attention, this home offers full tile flooring throughout, giving it a modern and cohesive look. The spacious master suite features a luxurious shower with tile from floor to ceiling, creating a serene retreat. Step outside to enjoy your private backyard oasis, complete with a refreshing pool and a putting green, perfect for relaxation or entertaining. Situated in a gated community, this home provides a sense of security, and the nearby schools and parks make it ideal for families. The friendly neighborhood adds to the charm, making this home a fantastic place to settle down. ***Seller willing to help with rate buydown***

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23800 N 169th Avenue Surprise, AZ 85387

$789,000

4 Beds

3.5 Baths

3,172 SqFt

Status Active

MLS # 6765127

Property Type Single Family Residence

Price Type --

Entertain and Relax in Southwestern Splendor - Nestled on a spacious oasis of over 12,000 sq ft, this 3,172 sq ft desert dream home is calling your name. Impress guests with two gourmet kitchens - the main boasting gorgeous quartz counters and a walk-in pantry, plus a well-appointed Casita with a full kitchen for mother-in-law or teenager or an extra income rental. Sip drinks by the 14' x 28' heated saltwater pool or lounge on the large covered patio overlooking an artificial turf backyard - no grass to mow here! Experience the luxury of clean, soft water! Our fully functional water filtration system ensures safe drinking, while our advanced water softener eliminates harsh chemicals. Enjoy refreshing hydration and the peace of mind that comes with pure, healthy water. Four bedrooms, study, and 3.5 baths provide ample space for friends and family. Features include raised toilets and grab bars ensuring comfort for all. Garage parking for three vehicles keeps you sheltered from the sun. Home warranty and termite pest protection provide future peace of mind. Central AC means you can escape the valley heat inside year-round. Ceiling fans throughout. Convenience is key with a walkable community park and stores just minutes away. Located near major routes like US 60 and Hwy 303 for any urban exploration. North-south orientation takes full advantage of natural light. Washer, dryer, refrigerator and more appliances convey for simple, stress-free living. Don't wait to make this oasis YOURS - I guarantee this southwest charmer will not disappoint. For availability, notify me today to set up your private tour of this ideally located desert paradise!

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7710 E Gainey Ranch Road Unit 152 Scottsdale, AZ 85258

$789,000

2 Beds

3 Baths

1,256 SqFt

Status Active

MLS # 6776551

Property Type Townhouse

Price Type --

Welcome to the exclusive Courts subdivision in Gainey Ranch! This 2 bedroom + loft, 3 bathroom home, nestled in a guard gated community, offers rare features including a 2 car garage, a private front entrance, and an additional security system. Relax on your private patio and enjoy the gorgeous bright, light-filled atmosphere throughout the home. Experience enhanced privacy with only three units in the building, along with a separate en suite that's perfect for roommates or guests, including a half bath for added convenience. The home also includes a sprinkler system and stainless steel appliances. Walking distance to the astounding Estate Club, featuring a fully equipped gym, tennis and pickleball courts, swimming pool, and spa.

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1134 E Clovefield Street Gilbert, AZ 85298

$789,000

4 Beds

3 Baths

2,867 SqFt

Status Active

MLS # 6780458

Property Type Single Family Residence

Price Type --

Welcome to your dream home in the highly sought-after Layton Lakes community! This stunning single-level residence boasts 2,867 square feet of well-designed living space, offering the perfect blend of comfort, style, and functionality. Step inside to discover an open-concept design where the spacious great room flows seamlessly into a gleaming gourmet kitchen. The kitchen is a chef's delight, featuring a large gas cooktop, stainless steel appliances, and a buffet bar, making it perfect for both everyday living and entertaining guests. The split floor plan ensures privacy, with the master suite thoughtfully positioned away from the guest wing. The master suite is a true retreat, complete with dual sinks, a walk-in shower, and direct access to the serene backyard—ideal for unwinding after.. ...a long day. Generously sized bedrooms are connected by wide hallways, offering flexibility and comfort for any lifestyle. The east wing of the home is perfectly designed for guest accommodations or multi-generational living, featuring two bedrooms, a full bathroom, and a cozy family room. This wing also offers convenient access to one of the three-car garages, providing additional privacy for guests. The home is adorned with upgraded window shutters, adding a touch of elegance and enhancing functionality throughout. The backyard is a relaxing oasis, ready for hosting gatherings or enjoying quiet moments. Located in South Gilbert, this home offers more than just luxurious livingit's part of a vibrant community. Layton Lakes is known for its scenic beauty, with walking trails, lakes, and parks. The area provides convenient access to Loop 202, making commutes around the Valley quick and easy. Residents also benefit from top-rated schools in the Chandler School District and a wealth of local events and recreational opportunities. Don't miss the chance to own this exceptional home in one of Gilbert's most desirable communities. Experience all that 1134 E Clovefield St has to offer!

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2601 E Kiowa Street Sierra Vista, AZ 85650

$789,000

5 Beds

3 Baths

4,554 SqFt

Status Active Under Contract

MLS # 6748073

Property Type Single Family Residence

Price Type --

Over 4,500 livable sqft on 1.47 acres in a highly desirable location offers a perfect blend of luxury, practicality, and flexibility. Originally a custom builder's personal home, Poly-Steel construction, Anderson casement windows, + new Bosch high-efficiency heat pump installed in 2023. Main house w/ 4 bedrooms + flex room & 2 baths. Great room w/ gas fireplace + formal dining. Gourmet kitchen w/ gas cooktop, custom cabinetry, under-cabinet lighting, and a walk-in pantry. Kitchen is adjacent to a casual dining area and family room. Owner's suite features custom closet + flex room ideal retreat or exercise room w/ private entrance. Guest quarters w/ kitchenette, bath, and private entrance, perfect for multi-generational living, shift workers, or potential rental income. Property includes 3-car attached garage + additional 5-car oversized garage with a 4-post hydraulic lift & 5hp dual-stage compressor, both with evap cooling. 5 additional outbuildings include a single-car garage ~295 sqft, finished metal-roof building with AC ~304 sqft, garden shed ~226 sqft, storage shed ~255 sqft, and a shipping container ~ 169 sqft. Stunning mountain views. Expansive covered patio, block wall, an RV gate + room to park an RV, and no HOA.

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9569 E Kiisa Drive Scottsdale, AZ 85262

$789,000

3 Beds

2 Baths

1,832 SqFt

Status Active Under Contract

MLS # 6766577

Property Type Single Family Residence

Price Type --

Charming 3-bedroom, 2-bathroom Home in the desirable Legend Trail community offers a perfect blend of comfort and elegance. Nestled in the scenic Sonoran Desert this beautiful Home with premium lot offers an open floor plan with spacious kitchen that features modern appliances, granite countertops, and a large island, ideal for both casual dining and entertaining. The master suite offers a peaceful retreat with a walk-in closet and an en-suite bathroom complete with dual vanities, shower and a soaking jetted tub. The backyard is a serene oasis with a covered patio, relaxing fountain and lots of trees and plants perfect for enjoying the Arizona sunsets. Access to the Legend Trail amenities, including a golf course, hiking and biking trails, fitness center, 2 community pools, hot tub, pickleball and tennis courts. Very helpful and friendly On-site HOA management for all your community related questions. Ideal for those seeking a tranquil desert lifestyle with modern conveniences, this home is a rare find in one of Scottsdale's premier neighborhoods.

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5528 N 131st Drive Litchfield Park, AZ 85340

$789,000

5 Beds

3.5 Baths

3,918 SqFt

Status Active Under Contract

MLS # 6719044

Property Type Single Family Residence

Price Type --

Stunning home in the gated Dreaming Summit! Situated on an over 1/2-acre lot, this RARE find promises an unparalleled living experience. Displaying a 3-car garage, RV gate, and a great curb appeal highlighted by stone accent details & manicured landscape. The grand entry leads to a sunken living room & a formal dining room, both adorned with high ceilings! Continue onto the inviting family room, offering a fireplace for chilly nights. The gourmet kitchen boasts granite counters, ample wood cabinetry, island w/breakfast bar, and high-end SS appliances w/cooktop gas & double ovens. Natural light filled the interior, complemented by designer paint, elegant light fixtures, tasteful flooring - porcelain tile & plush carpet in all the right places. One bedroom downstairs, with its own bathroom. Head upstairs to find the double-door, oversized main bedroom! This true retreat features a two-way fireplace that connects to the ensuite with dual entries, two vanities, a jetted tub, a separate shower, & two walk-in closets. Another highlight of this room is the cozy sitting area, providing sliding doors that open to the expansive balcony. Need space for entertaining and gatherings? You have a HUGE, RESORT-STYLE backyard waiting for you! With a full-length covered patio, lush lawns, firepit, BBQ area, well-laid pavers, mini basketball court, raised planter beds, and a sparkling PebbleTec pool, this setup guarantees year-round enjoyment. Explore it! Love it! Live it!

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4533 E Kings Avenue Phoenix, AZ 85032

$789,000

3 Beds

2 Baths

1,931 SqFt

Status Active

MLS # 6749754

Property Type Single Family Residence

Price Type --

Beautiful home in a great Location with $70k in recent upgrades! This property is an entertainer's dream with its HUGE backyard featuring a putting green, pool with water feature, covered patio, gazebo, low maintenance artificial turf and ample decking for lounge chairs. Side yards have RV gate on one side and a large shed for storage on the other. Interior features tile throughout, fireplace in family room, dual pane windows, shutters, skylight in the front room and interior laundry. The large open kitchen features upgraded cabinets, stainless steel appliances and a BIG island with room for stools, overlooking the family room and fireplace. Spacious master suite has door to backyard, tub, separate walk-in shower and a beautiful walk-in closet with cabinetry. tile surrounds and a bidet. This well cared for home is just minutes from freeways, and close to an array of shopping areas and restaurants.

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28516 N 128th Drive Peoria, AZ 85383

$789,000

3 Beds

3 Baths

2,107 SqFt

Status Active

MLS # 6762843

Property Type Single Family Residence

Price Type --

Lavishly Updated & MOVE IN READY 3br 3ba Libertas w CASITA Nestled on a Premium Elevated 5th Hole Fairway Lot in Award Winning Trilogy at Vistancia. Tremendous Curb Appeal featuring Stone Accents Lush Desert Landscape & Stamped Concrete. Private Gated Front Courtyard hosts Casita w Full Bath & Murphy Bed ! Newer Upgrades include Trane AC, Light Colored Tile Plank Flooring PLUS Kitchen, Bath & Appliance Improvements. GOURMET Kitchen w Gas Cooktop, Roll Out Shelves, Staggered Cabinets, EXPANSIVE Quartz Island with Built in Cabinetry, Newer Fridge, Wine Fridge & Pendant Lighting . Primary BR with Bay Window , Updated Tile Shower and Generous Closet. BR 2 split and adjacent to Updated 2nd FULL Bathroom. Separate Den / Office . Extended Patio with Ceiling Fans & INCREDIBLE Privacy & VIEWS

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7345 W Crabapple Drive Peoria, AZ 85383

$789,000

4 Beds

3.5 Baths

3,884 SqFt

Status Active

MLS # 6768002

Property Type Single Family Residence

Price Type --

Gorgeous home in Terramar. Features Split floor plan, Loft Game Room Area, 3 full baths plus gorgeous Powder Rm. Primary Bedrm with a Sitting/Reading or optional Gym Area. Primary Bath has all new flooring and a Seperate Shower and Jetted tub. Primary also has a large extended balcony and a 2 way Fireplace. Uptairs Bath has been completely updated June 2024. Dwnstairs bdrm has full private bathrm & large walk-in closet. Large Kitchen with built in desk area Stainlees Appliances w/Gas Range. Huge Backyard w/Artificial Turf. Plantation Shutters, Water Softner. Donlt miss out this one has tons of upgrades.

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4934 W Monte Cristo Avenue Glendale, AZ 85306

$789,000

4 Beds

2 Baths

1,924 SqFt

Status Active

MLS # 6767859

Property Type Single Family Residence

Price Type --

Gorgeous move-in ready home on a huge lot that is over an acre with NO HOA!...Home is completely remodelled, no popcorn ceilings, beautiful flooring, lovely upgraded kitchen, professional landscaping front and back and so much more. Large covered patio in the rear, 3 sheds, and the rear yard possibilities are endless. RV gates already in and additional room on the other side of the home for more gates...Store ALL you toys here and enjoy the farm life in the city.

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2061 E Wisteria Drive Chandler, AZ 85286

$789,000

5 Beds

4 Baths

3,104 SqFt

Status Active

MLS # 6767365

Property Type Single Family Residence

Price Type --

Location, Location, Location! Welcome Home to a stunning MOVE IN READY property in the HIGHLY DESIRED Chandler School District. As soon as you enter this home, you will notice upgrades through out. Kitchen boasts of upgraded tall cabinetry, Granite countertops, pantry, and stainless steel appliances. On the first floor you will find a guest bedroom. You can also enjoy a cup of coffee at the cozy courtyard. Upstairs, you are greeted by a big open loft. Master Bedroom is complimented by an upgraded Master Bathroom which includes a walk in shower and a bath tub. The gem of the house, is only 5 years old in the most desirable area in Chandler!

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