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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Sort by: Select Price, Low to High Price, High to Low Newer Listings First Older Listings First Open House Date

7659 E Knoll Street Mesa, AZ 85207

$784,000

3 Beds

2.5 Baths

2,862 SqFt

Status Active

MLS # 6751229

Property Type Single Family Residence

Price Type --

Refined & meticulously designed! Exquisite residence in Morada Community showcases a 3-car garage, RV gate, & stone accents. Discover a desirable open floor plan w/windows galore providing so much natural light & a clear view of the backyard. You'll also have a formal dining room ready to hold a feast. Gorgeous kitchen is a cook's delight, fully equipped w/SS appliances such as a gas cooktop & wall oven, staggered cabinets w/crown moulding, subway tile backsplash, butler's service area, a prep island w/a breakfast bar, recessed lighting, a walk-in pantry, granite counters, & a breakfast nook. Large main retreat highlights plush carpet & an elegant ensuite comprised of dual sinks, make-up desk, garden tub, & a walk-in closet. One of the secondary bedrooms provides plantation shutters. Outback, the house presents a soothing backyard that features a covered patio, pergola, grassy area, & mountain views. Welcome to your new home!

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8837 W Runion Drive Peoria, AZ 85382

$784,000

5 Beds

3.5 Baths

3,338 SqFt

Status Active

MLS # 6762685

Property Type Single Family Residence

Price Type --

Welcome to your dream home! Breathtaking backyard with heated salt water pool and spa, Built-in natural gas barbecue, covered patio with ceiling fans and misting system, artificial grass area, and natural gas fire pit. Two master bedrooms, the downstairs master bedroom has custom bath and French doors going to the patio, second master bedroom, located on the second floor. Additional bedroom downstairs as well as the study. On the second floor you'll find a loft with pool table and additional bedrooms, Garage is air-conditioned for more comfort, electric service for an EV and has a service door. Portable pool fence which conveys

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28110 N 18th Lane Phoenix, AZ 85085

$784,000

3 Beds

2.5 Baths

2,550 SqFt

Status Active

MLS # 6759507

Property Type Single Family Residence

Price Type --

Highly desirable home in Fireside that is surrounded by mountains and hiking paths! Enter through a spacious courtyard into this beautiful former model. The gourmet kitchen has a generous island, large pantry, and an abundance of cabinets with pull-outs. The kitchen is open to the great room and is an ideal gathering space with views of the lovely backyard. This sought after split floor plan has a considerable primary suite on one side, and an office/den as well as two other bedrooms on the other. One of the bedrooms is oversized and could be converted into a next-gen suite. Enjoy the backyard space in this amazing community! The community boasts a clubhouse, gym, two pools, tennis courts, playground, and basketball court plus more!!

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25952 S 224th Place Queen Creek, AZ 85142

$782,990

3 Beds

2.5 Baths

3,220 SqFt

Status Active

MLS # 6773430

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. The Majesty series, situated in the sought-after Harvest community, offers a private gated area just steps from the pools, catch-and-release lake, and green park. Enjoy peaceful living, yet stay close to shopping and entertainment. The open layout, featuring a waterfall island and chef's kitchen, is ideal for entertaining or simply relaxing. A charming courtyard entry welcomes you home—don't miss out.

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825 E Farmers Lane Queen Creek, AZ 85140

Open House

$782,000

2 Beds

2.5 Baths

2,247 SqFt

Status Active

MLS # 6742432

Property Type Single Family Residence

Price Type --

First impression of this Create model is an inviting, relaxing front porch. Step inside to where you will spoil guests with a large bedroom, gorgeous en-suite, and walk-in closet. Next, a rather large den with custom smoked glass doors, built in wall to wall bookshelves, and desk. On to a true chefs kitchen! Plenty of cabinet space, stunning countertops, and custom lighting to pull the kitchen together with the great room featuring a custom floor to ceiling stone wall and an electric fireplace. Set the perfect table, and mood, nightly. The large owners suite includes a beautifully tiled shower, and huge closet. Note the unique custom screen door at the rolling wall of glass as you step on to your inviting patio with a custom in ground spa, gas fire pit, and built in BBQ. Welcome Home!

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880 W Cherrywood Drive Chandler, AZ 85248

Open House

$782,000

4 Beds

2 Baths

2,666 SqFt

Status Active

MLS # 6755876

Property Type Single Family Residence

Price Type --

Seller may consider buyer concessions if made in an offer. Welcome to this beautifully renovated home! This property features a cozy fireplace, fresh interior paint in a neutral color scheme and new flooring. The kitchen is a chef's delight with stone counter tops, walk-in pantry, kitchen island, accent backsplash, and all-new stainless steel appliances. The primary bedroom includes a spacious walk-in closet, an en-suite bathroom with custom tile shower and double sinks, and a separate tub and shower. Enjoy outdoor living with a covered patio, a private in-ground pool, and a fenced-in backyard. This home is a true gem!

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39029 N 21st Avenue Phoenix, AZ 85086

Open House

$781,500

4 Beds

2 Baths

1,948 SqFt

Status Active

MLS # 6756442

Property Type Single Family Residence

Price Type --

Looking for the perfect horse property with arena for your own use or extra income? This stunning 4-bedroom, 2-bath home with 3-car garage sits on a spacious lot, ideal for animal lovers. Outside has it all including arena with 7 fanned stalls, paddocks, chicken coop, and an additional livestock pen, covered patio, built-in BBQ, and RV pad with full hookups, and dump to septic. Inside, the open floor plan features beautiful tile flooring, plantation shutters, and a stylish kitchen equipped with wood cabinetry, mosaic tile backsplash, stainless steel appliances, recessed lighting, with island and breakfast nook. The spacious primary suite offers private outdoor access, a custom walk-in closet, and a luxurious ensuite with dual sinks, soaking tub, and a separate shower. Don't miss out!

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662 N Snowberry Circle Flagstaff, AZ 86004

$780,911

4 Beds

4 Baths

2,370 SqFt

Status Active

MLS # 6781238

Property Type Townhouse

Price Type --

SPEC home recently complete. New construction. This 2 level townhome features 4 bdrm 4 bath with 2370 sq ft. Master bedroom downstairs, additional bdrm/bathroom downstairs, and 2 bedrooms w/bathrooms up. Beautiful fireplace with tile surround in the Great room. Standard features include spray foam insulation, tankless hot water heater, gas dryer and range hookup. Tile surround shower with pony wall in master bath. Open floor plan with bright lights and plenty of windows. All appliances included with this home. Backyard landscaping included. Truly Move-in ready! Escape the heat of the valley and come to the cool mountains of Flagstaff! Don't miss out on this one with the seller offering large $$ incentives!

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377 E Windsor Avenue Unit 3 Phoenix, AZ 85004

Open House

$780,325

2 Beds

2.5 Baths

1,881 SqFt

Status Active

MLS # 6775048

Property Type Townhouse

Price Type --

Park7 on Windsor QUICK MOVE-IN HOME. LUXURY URBAN LIVING with no compromises including your own private sky lounge. Ideally located in Midtown Phoenix, close to all the action. Bespoke floorplans designed specifically for Park7 developed to create an exciting lifestyle on all levels with maximized privacy. Exceptional quality construction + design with solid CMU commons walls and 10ft ceilings throughout. Designer curated interior finish Packages with standard 24'' x 48'' large format tile floors, Bosch appliances, standard waterfall kitchen islands and floating vanities, tankless hot water, EV prepared garages and more! Relax under the night sky in your own private Sky Lounge - hot tub ready with fire pit and outdoor kitchen options.

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34499 N Elk Run Road San Tan Valley, AZ 85143

$780,000

4 Beds

3 Baths

2,573 SqFt

Status Active

MLS # 6777483

Property Type Single Family Residence

Price Type --

Welcome to your NEW Custom Home in picturesque San Tan Valley, AZ. This stunning property boasts a spacious modern home with 4 BR and 3 baths at 2573 SF. Situated on 1.23 acres. This residence offers privacy and tranquility as it borders state land. Step inside the massive front door to discover a beautifully designed interior featuring modern upgraded finishes. 12' ceilings throughout the main living area. The Gourmet Kitchen is the focal point, showcasing a charming farmhouse sink, quartz countertops, shaker cabinets, lighted upper cabinets and large center island to gather around. Fridge Included.The bathrooms feature a rich, darker finish with large walk in showers. Entertainer's dream on your 1100 SF covered patio. Don't miss the opportunity to make this modern sanctuary your own

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29606 N 21st Drive Phoenix, AZ 85085

$780,000

5 Beds

3 Baths

2,970 SqFt

Status Active

MLS # 6733621

Property Type Single Family Residence

Price Type --

Welcome to this stunning 2,970 sq ft home in the sought-after Dynamite Mountain Ranch, located in the foothills of Dynamite Mountain! Boasting 5 spacious bedrooms, 3 full bathrooms, and exquisite Venetian plaster throughout, this home offers both luxury and comfort. Enjoy the elegance of wood plantation shutters and the durability of tile and wood laminate flooring. Relax in your private hot tub under your pergola. Conveniently located near T.S.M.C., Norterra shopping center, and scenic mountain trails, this home perfectly blends serene living with urban convenience. Don't miss out on this exceptional property!

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1326 Rockwood Drive Prescott, AZ 86305

$780,000

2 Beds

2 Baths

1,654 SqFt

Status Active

MLS # 6759713

Property Type Single Family Residence

Price Type --

Discover your dream home in Prescott! This move in ready, brand-new contemporary ranch offers a lock-and-leave lifestyle in a 55+ community. Ideal as a primary home or as a second home or retirement retreat. Featuring upgraded Cafe Series appliances, quartz countertops, and a large kitchen island, this home is both functional and luxurious. The master suite includes a huge walk-in shower, and you'll enjoy gorgeous views of Granite Mountain from your fully landscaped yard. ENERGY STAR-certified and with a HERS index score of -50, this home is designed for energy efficiency. Come to Prescott and work on your golf game at one of the 6 area golf courses. 220v is installed in the garage for car charging convenience. Escape the summer heat of Phoenix in style!

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