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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8637 E San Miguel Avenue Scottsdale, AZ 85250

$765,000

4 Beds

3 Baths

2,149 SqFt

Status Active Under Contract

MLS # 6706932

Property Type Single Family Residence

Price Type --

PRICE REDUCTION! This beautifully designed single family home was renovated 2 years ago with soaring vaulted ceilings and exposed wood beams & duct work. As you enter the home you are greeted with the soaring ceilings and jaw-dropping 14ft island. The custom wood wall cladding guides you to either floor. Bathrooms perfectly combine modern touches & natural elements to create stunning, warm and comfortable spaces. The upstairs guest bedroom has detached bathroom with custom finishes and a unique laundry chute. Master bedroom is oversized with a separate toilet room, walk-in closet, walk-in shower, soaking tub. Lower level has laundry room, bonus room & projector TV, built-in desk & the 3rd bedroom & 3rd unique bath. Seller will put up wall for 4th bedroom downstairs - if buyer desires.

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9240 N 101st Place Scottsdale, AZ 85258

$765,000

3 Beds

2 Baths

1,838 SqFt

Status Active Under Contract

MLS # 6729628

Property Type Single Family Residence

Price Type --

This charming home is located in the desirable Casa del Cielo subdivision in the heart of Scottsdale Ranch. This detached residence is filled with natural light featuring high ceilings, new wood-look tile throughout, new patio pavers, new bath and kitchen fixtures, new kitchen cabinets, appliances and granite and a brand new A/C unit. This home is one of the few with this unique floor plan and is situated on one of the largest lots in the subdivision where you can enjoy the private backyard. The spacious living room boasts a fireplace and a wet bar, perfect for entertaining. The wonderful community offers walking trails, a community pool and spa, a community center, and Scottsdale Ranch Park with tennis, racquetball, and basketball courts, among other amenities.

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10864 E Reginald Avenue Mesa, AZ 85212

$765,000

4 Beds

4.5 Baths

3,967 SqFt

Status Active Under Contract

MLS # 6748375

Property Type Single Family Residence

Price Type --

This meticulously maintained home truly has it all! With just under 4,000 square feet of living space, it features 4 bedrooms, 4.5 baths, & a 3-car garage. The spacious kitchen boasts granite countertops & seamlessly flows into the formal living & dining rooms, perfect for entertaining. The master suite includes a versatile retreat, ideal for an office or nursery. The main level offers a bedroom with an ensuite, & upstairs, one of the bedrooms also has its own ensuite. The expansive upstairs bonus/game room is perfect for a teen retreat or additional entertainment space. A den/office on the first level provides even more living options. Step outside to a beautifully landscaped backyard, complete w/ a pool (added in 2010), fire pit, and built-in BBQ—perfect for outdoor gatherings.

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14850 E Grandview Drive Unit 239 Fountain Hills, AZ 85268

Open House

$765,000

2 Beds

2 Baths

2,059 SqFt

Status Active

MLS # 6751313

Property Type Apartment

Price Type --

Come up the stairs and be welcomed by panoramic views of the mountains and the Sonoran desert and enjoy seeing sunrises, sunsets and city lights from the balconies of this spacious Villa. Located on one of the highest points in Fountain Hills, this two bedroom two bath Villa can be your seasonal getaway home or your full-time residence. Be a part of The Villas at Copperwynd, a luxury condominium community that redefines the desert lifestyle. This Villa features nine foot ceilings with spacious hallways. Granite tile countertops, walk in pantry, gas cook top, under cabinet lighting and hardwood cabinets are just some of the special features in the kitchen. Master bath includes 36'' high vanity with high windows that provide natural light. Both bedrooms have balconies that provi Furnishings available on a separate bill of sale (some personal items and art work will be retained by seller). Next door is the Adero Scottsdale Resort and Club offering a health club, spa, tennis and swimming pools. Inquire at the club for membership information. Shopping only minutes away. Five public golf courses are nearby. Hiking at the Adero Trailhead. Only about 30 minutes from Phoenix Sky Harbor Airport. Note that HomeGuard Warranty Protection is in place.

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22800 S 221st Place Queen Creek, AZ 85142

Open House

$765,000

4 Beds

3.5 Baths

2,795 SqFt

Status Active

MLS # 6778232

Property Type Single Family Residence

Price Type --

Located in the vibrant heart of Queen Creek, this beautifully designed DR Horton home marries modern conveniences with Santa Barbara charm. With 2795 sq ft, this single story residence has no steps and open concept living and kitchen with new appliances, making it perfect for the everyday gourmet or to entertain guests. This home features two primary ensuites, 2 additional bedrooms all with generous closets, and 3.5 baths. The east facing backyard is an oasis featuring a beautiful pool and spa and a covered patio, ideal for relaxing or entertaining in Arizona's year round climate. This property offers easy access to local parks, dining, shopping, and top-rated schools, making it an ideal choice for anyone looking to experience the best of Queen Creek.

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2608 E Stacey Road Gilbert, AZ 85298

Open House

New

$765,000

4 Beds

3 Baths

2,476 SqFt

Status Active

MLS # 6783594

Property Type Single Family Residence

Price Type --

Welcome to this inviting 4-bedroom, 3-bath single-level home in the sought-after community of Adora Trails in Gilbert! This property combines comfort and practicality with a layout designed for easy living. As you step inside, you'll find a spacious den perfect for an office or flex space. The heart of the home features a beautifully appointed kitchen with granite countertops, a gas stove, and wood-look tile floors that add warmth and style. The backyard offers a private oasis with a sparkling pool, where you can relax and enjoy mountain views and Arizona's sunsets. Owned solar panels keep energy costs down, a great benefit for year-round comfort. Outdoor enthusiasts will love being close to Adora Trails' extensive walking trails, making it easy to get out and explore. With a 3-car garage and ample storage throughout, this home meets every practical need with style. Don't miss out on this wonderful opportunity to call Adora Trails home!

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2518 E Campbell Avenue Phoenix, AZ 85016

Open House

$765,000

5 Beds

3 Baths

1,983 SqFt

Status Active

MLS # 6779606

Property Type Single Family Residence

Price Type --

Beautiful and well-cared home looking for its new owner! This single-story property offers a carport space + extended driveway for extra parking. The fantastic interior has ample living spaces that provide endless entertainment possibilities. Cook delicious meals in the equipped kitchen showcasing built-in appliances and plenty of cabinets/counter space. The main retreat features a private bathroom for added comfort and privacy. In the backyard, relax under the covered patio after a busy day. Excellent Biltmore Camelback Corridor Location close to schools, shopping, and entertainment. This home is the one! Don't wait!

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4249 E Sagebrush Street Gilbert, AZ 85296

Open House

$765,000

4 Beds

3 Baths

2,524 SqFt

Status Active

MLS # 6722988

Property Type Single Family Residence

Price Type --

PREMIUM lot and UPGRADES in this popular Revolution NextGen floorplan. Situated next to the community pool, greenbelt and open space with no neighbors behind this is an opportunity to enjoy all of the Warner Meadow amenities. Features include: granite countertops, stainless steel appliances, attached guest suite complete with kitchen, laundry and separate entrance. Backyard has pavers, synthetic grass and covered patio. One of Lennar's finest. Welcome home to Warner Meadow!

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4038 N 49th Street Phoenix, AZ 85018

Open House

$765,000

3 Beds

2 Baths

1,480 SqFt

Status Active

MLS # 6762547

Property Type Single Family Residence

Price Type --

Welcome to your Arcadia Ranch Home with Mid Century Mod Design! The home has freshly painted interiors and $57,000 in upgrades including custom Ipe wood front door, steel pergola and fencing, new pavers, concrete, turf, drip system and landscape lighting. Spacious floor plan with 3 beds, 2 baths, stained concrete floors and open concept main living and kitchen areas, each with dramatic accordion style glass sliders. The light filled kitchen boasts Quartz counters, a breakfast bar peninsula and a pleasingly neutral color palette. The front patio is like an outdoor living room with gas firepit and stunning views of Camelback. You're steps to the Greenbelt, Canal and Arcadia's most beloved hangouts: OHSO, Arcadia Tavern, JT's and The Vig. Scottsdale schools and all the best of 85018!

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7318 E Palo Verde Drive Unit 3 Scottsdale, AZ 85250

Open House

$765,000

2 Beds

2 Baths

1,489 SqFt

Status Active

MLS # 6771645

Property Type Townhouse

Price Type --

Beautifully remodeled two bedroom, two bath Villa Palo Verde Townhome w/ den. Kitchen has high- end cabinets, appliances, and cozy breakfast area The great room is light and airy w/ fireplace and skylights. Lovely primary bedroom, ensuite bath is spacious w/ walk-in closet Front courtyard and nice size back patio professionally designed and landscaped. High-grade security system and other amenities in documents. Perfectly located in the heart of Scottsdale. This townhome is walking distance to Scottsdale's best restaurants and shopping. Steps from hiking, biking, and running trails along the Greenbelt or Canal. Camelback Mountain is a couple of blocks out the door. Fifteen minutes to the airport and five minutes to the 101 Freeway. A perfect home for professionals or winter visitors

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1302 W Heatherbrae Drive Phoenix, AZ 85013

Open House

$765,000

3 Beds

2 Baths

1,833 SqFt

Status Active

MLS # 6770935

Property Type Single Family Residence

Price Type --

Beautifully reimagined 3-bed, 2-bath 1944 bungalow in the coveted Woodlea Melrose neighborhood, blending historic charm with modern updates. Set on a lush corner lot with flood irrigation, the private backyard features synthetic grass and a relaxing Sundance spa. The spacious insulated garage (built 2020) includes 220V EV charging, built-in cabinets, mini split AC, and LED lighting, making it perfect for hobbies or a home gym. The designer kitchen showcases beautiful cabinets, marble counters, and a Z-line range. French doors open to a pergola-covered patio. Modern upgrades include a gas tankless water heater, 200-amp electric, and a new sewer line (2020), revitalized landscaping, and exterior lighting. This home is a gem offering charm and convenience close to Melrose favorites!

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15408 W Bobwhite Way Surprise, AZ 85387

$764,999

4 Beds

2 Baths

2,507 SqFt

Status Active Under Contract

MLS # 6750763

Property Type Single Family Residence

Price Type --

POOL, UPGRADES, LAND, and PRIVACY! Come and see why this are is BOOMING!Custom finishes throughout and a sprawling/split floorplan make this home a perfect escape for you and yours! 4 car garage, HORSE RIGHTS , POOL, RV GATE..the works! This is an amazing opportunity to nestle in on the ground floor of a fast growing nieghborhood, and ride the wave if appreciation!

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