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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2977 E County Down Drive Chandler, AZ 85249

$759,900

5 Beds

3 Baths

3,610 SqFt

Status Active

MLS # 6754496

Property Type Single Family Residence

Price Type --

Beautifully Upgraded Sun River Home w/ Great Mountain Views! 3,610 Sq Ft w/5 Bedrms/3 Baths TRI-LEVEL, HUGE Bonus Room w/Built-in Wet Bar & Custom Cabinets! 3 Bedrms & Bonus Room on Upper Level, Formal Dining & Kitchen on Middle Level, 2 Bedrms, Living & Family Rooms on Lower Level. Vaulted & 9'+ Ceilings, Tile, Carpet, & High-End Laminate Flooring, Gourmet Kitchen w/ Granite Countertops, 42'' Cabinets, Center Island, Desk, New Built-in Microwave & Access to 3rd Patio. Master Bedrm has Sliding Glass Doors to Upper Patio. Master Bathrm has Double Sinks, Large Walk-in Closet & Jacuzzi Tub. Family Rm has Gas Fireplace & exit to Covered Patio. Backyard Profess. Landscaped, Resurfaced Pebble-Tec Pool & Extended Kool Decking & Waterfall. Walking distance to highly rated elementary school. BBQ Island Shell & Mature Landscaping, 10' RV Gate, 3-Car Garage w/New Overhead Storage, Water Softener & much more... Schools, Shopping, Restaurants & Entertainment nearby!

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8203 N 173rd Avenue Waddell, AZ 85355

$759,900

4 Beds

3.5 Baths

3,310 SqFt

Status Active

MLS # 6755926

Property Type Single Family Residence

Price Type --

Move-in ready, highly desirable Delfino model in Granite Vistas with RV GARAGE. Located on a premium corner lot, this gorgeous home offers amazing curb appeal, striking stone detailing, and an extended driveway. The impeccably designed interior boasts extra tall ceilings, PLANTATION SHUTTERS, plank tile flooring, and a sizable living room perfect for a formal dining area that is great for hosting and entertaining. The great room is adorned with an accent wall, tray ceilings and recessed lighting t/out. The stunning gourmet kitchen is fully equipped with a gas cooktop, a wall oven, and a farmhouse sink, quartz countertops, soft-close cabinetry, oversized waterfall island and large walk-in pantry. Dual primary bedrooms, one on the main floor with walk-in closet and its own bathroom Venture upstairs to find a cozy loft ideal for a reading nook, home office or game room. The sizable primary bedroom has an extra-large bathroom with dual sinks with lots of counter space and a separate vanity area. The upstairs laundry room is oversized with a farm sink, extra counter space and cabinetry. The home's elegance extends outdoors to the serene backyard with a covered patio, pavers, outdoor lighting and low maintenance turf. There's extra space on the side of the home, perfect for a pet area or storage. The RV gate is a bonus, leading to a paver side yard great for extra parking. This home has too many extras to mention Tour this home today to see everything this home has to offer. List of upgrades: *RV Garage *RV Gate *GFCI outlets outside of RV Garage *15X40, 14ft. high garage door *Mini split in RV Garage *RV dump station *50 Amp electrical *Hose bib *Epoxy flooring *Sunscreens *Tray ceilings *Lots of storage *Plantation shutters *Upgraded Ceiling fans *Farmhouse sink in kitchen and laundry *Oversized Quartz island with waterfall edges *Gas stub for firepit *Upgraded electrical panel *Security cameras *Rain gutters *Pigeon mitigation system

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20856 W Werner Place Buckeye, AZ 85396

$759,900

4 Beds

3 Baths

3,080 SqFt

Status Active Under Contract

MLS # 6690492

Property Type Single Family Residence

Price Type --

Will pay 10K IN BUYER CONCESSIONS w full price offer! Use for Closing cost assistance or rate buy down! Ideally located on Sidney Park in Main Street Verrado, nature surrounds this home creating a highly ambient atmosphere. Featuring 4 bed 3 full bath, and relaxing outdoor spaces, backyard includes a pool, travertine decking, a pergola with built in BBQ, sink and cooking space- perfect for outdoor dining. The upgraded kitchen boasts granite countertops, stainless steel appliances, and abundant storage, open to the family, living and dining rooms. You will find a spacious primary suite, 3 large bedrooms, one w/ensuite bath. Offering the best of both worlds, privacy & proximity to all the amenities Verrado provides, dining, shopping, schools, beautiful hiking, this home is a must se

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30826 N Crozier Road Wittmann, AZ 85361

$759,500

4 Beds

3 Baths

2,709 SqFt

Status Active

MLS # 6766547

Property Type Single Family Residence

Price Type --

** 15+K Price Reduction!** ''Arizona Dreaming'' Location & great access just off the pavement tucked in a small private neighborhood w/easy access to the 60. Stunning home with 1+ acre for your horses and all the toys. It also comes w/a gorgeous pool w/a waterfall. This home has it all! 4 Bedrooms & 3 full baths. EVERYTHING is new 2024 in this beautiful home except the updated plank tile flooring. Kitchen w/new S/S appliances, new granite counters, new cabinets, huge breakfast bar & a pantry. New interior & exterior paint, 2 new A/C units. 13' cathedral ceilings w/ceiling fans, blinds & led lighting t/o. Just off the entry is the library/den/office w/a fireplace. Family room w/a fireplace, formal dining room and an eat-in kitchen. Huge master bedroom with 2 sets of French doors. Master bath with double sinks & a huge tiled walk-in shower. One set of French doors in the master bedroom exits to the extended covered patio with ceiling fans. Great for entertaining. Take a splash in the sparkling pool. The home also comes with a barn and a chicken coop. The property is completely fenced and has an extra insulated 3 car garage with epoxy floors. All of the cabinets & drawers are soft close. 30 AMP RV Hook-up. Security doors in the front and back. 10 yr roof warranty. Don't miss this one!

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3758 W Moon Dust Trail Queen Creek, AZ 85144

$759,000

4 Beds

3 Baths

2,766 SqFt

Status Active

MLS # 6730607

Property Type Single Family Residence

Price Type --

BRAND NEW Construction w/ Custom-Quality Upgrades! This beautiful Modern Farmhouse is located on a FENCED 1.25 ACRE of Horse Property. Gourmet Kitchen w/ WOLF Appliances, high-end Cabinets w/ 42'' uppers, White Quartz Countertops, 36'' WOLF Gas Cooktop & Range, Built-in Stainless-Steel pull-out Microwave & Wood Plank Tile Floors. Stunning Master Bathroom w/ Freestanding Soaking Tub, BEACH ENTRY Shower & Double Vanities. Exceptional Energy Efficient - boasting Spray Foam Insulation, Premium Trane AC units & High-end Windows. Superior Construction & Craftmanship includes Premium Roofing System, Premium Synthetic Stucco & much more! Estimated completion date in NOV/DEC.

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8474 W Switchback Trail Casa Grande, AZ 85194

$759,000

4 Beds

2.5 Baths

2,768 SqFt

Status Active

MLS # 6730240

Property Type Single Family Residence

Price Type --

MAGNIFICENT MOUNTAIN VEWS SURROUND THIS IMPRESSIVE CUSTOM 4BR HOME! Beautiful landscaping with extensive paver walkway & driveway greet you when you arrive. State of the art gourmet kitchen w/upgraded appl. pkg. refrigerator, huge breakfast bar, boundless counter space, spacious dining area, walk in pantry plus built in wine rack w/separate beverage refrigerator. Split BR plan, Master bath boast free standing tub, separate tile shower, Custom DBL vanity & mirrors plus enormous walk in closet. 2nd & 3rd BR's share a Jack & Jill bath w/ DBL vanity that has a private tub/shower. 4th BR also has a half bath. Enjoy the 10 ft. coffered ceilings, recessed lighting, granite counters, custom paint & gorgeous tile flooring T/O. You will love the full length covered back patio & beautiful views

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90 E Leverenz Avenue Queen Creek, AZ 85140

$759,000

2 Beds

2.5 Baths

2,303 SqFt

Status Active

MLS # 6740162

Property Type Single Family Residence

Price Type --

No builder lots left on premium green belt lots, now is your chance before the winter season buyers swarm Encanterra. Welcome to the stunning Captivate model, perfectly situated on a premium homesite with a walking trail next door. This exceptional home features a private casita with a separate entrance, ideal for guests or a personal retreat. The interior features an elegant gourmet kitchen, complete with top-of-the-line appliances, tons of cabinet space and stylish finishes, making it a chef's dream. Throughout the home, you'll find beautiful tile flooring and custom light fixtures that add a touch of sophistication. Cozy up by the built-in fireplace, creating a warm and inviting atmosphere for any occasion. The garage is spotless and has an epoxy finish and built in cabinets.

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26164 W Siesta Lane Buckeye, AZ 85396

$759,000

3 Beds

2.5 Baths

2,797 SqFt

Status Active

MLS # 6767443

Property Type Single Family Residence

Price Type --

Enjoy this beautiful and spacious golf course home in the vibrant 55+ community of Sun City Festival. This 2,797 sf Voyage model features 3-bedrooms, 2.5-baths, plus dining or den area. The gathering room's center-sliding glass door provides a panoramic view of the gorgeous 7th hole of the Mountain course and provides great vistas of the mountains and Arizona sunsets. A spacious kitchen features a gas cooktop with SS appliances, while the charcoal-colored cabinets create a beautiful contrast to the light-colored quartz countertops. The owner's suite includes a framed walk-in shower, dual vanities, and direct access to the laundry room. The second bath features a frameless glass shower with cultured marble surround. The home has a spacious 2-car garage with a connected golf cart garage.

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18076 E Vista Desierto -- Rio Verde, AZ 85263

$759,000

2 Beds

2 Baths

1,543 SqFt

Status Active

MLS # 6768916

Property Type Single Family Residence

Price Type --

Step into luxury living at its finest with this exceptional property nestled in the heart of Trilogy at Verde River. Indulge in breathtaking views of the Verde River Golf Course and majestic Four Peaks right from your patio, offering the perfect backdrop for every occasion. Entertaining made easy from the gourmet kitchen offering stainless steel appliances, beautiful cabinets, and a sprawling island, ideal for culinary adventures and entertaining guests. Seamlessly blending indoor and outdoor living, the great room transforms into an inviting space through 15' multi-slide patio doors, leading to a meticulously landscaped yard where you will enjoy views of the Verde River Golf Course and Four Peaks. After the sun sets you'll also enjoy the peaceful calm and beautifully lit bridge.

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19700 N 76th Street Unit 1116 Scottsdale, AZ 85255

$759,000

3 Beds

2 Baths

1,729 SqFt

Status Active

MLS # 6769890

Property Type Townhouse

Price Type --

This is the one! Rare ground level unit, 3 BR/2 BA, FULLY RENOVATED, one level interior in the gated community of Village at Grayhawk! The renovation was professionally designed and includes brand new everything! Luxury vinyl tile flooring, soft close cabinets, new appliances, new faucets & shower heads, interior paint, quartz countertops, free standing tub in primary bath, and gorgeous light fixtures throughout! AC unit is only 2 years old. This north/south facing unit has no other units directly behind and backs/sides to community common areas while sitting in a nice cul-de-sac with plenty of guest parking. Gated community with multiple pools, spas, fitness, walking paths & common areas. Close location to shopping, restaurants, hospitals and freeway

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19700 N 76th Street Unit 1113 Scottsdale, AZ 85255

New

$759,000

3 Beds

2 Baths

1,729 SqFt

Status Active

MLS # 6780792

Property Type Apartment

Price Type --

Completely remodeled Grayhawk condo. Easy access to the TPC Golf Course, West World, the Barrett Jackson Car Show, Polo Championship, Arabian Horse Show, etc!! Easy access to 101, Scottsdale Quarter and Kierland for a shopping & dining paradise!! 3 community pools, hot tubs, and fitness center. This condo is a SINGLE LEVEL, FIRST floor unit in a quiet cul-de-sac. Photos show this stunning remodel! See docs tab for upgraded. Very easy to show!!!

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22911 E Thornton Road Queen Creek, AZ 85142

$759,000

5 Beds

3.5 Baths

3,407 SqFt

Status Active

MLS # 6781315

Property Type Single Family Residence

Price Type --

Welcome to your dream home in the vibrant heart of Barney Farms, where luxury and adventure come together! Don't miss this opportunity to move into Barney Farms at a price well below builder costs, complete with beautifully finished landscaping. This exceptional property offers a prime spot within the community, granting residents exclusive access to a stunning 22-acre deep water lake, perfect for kayaking and canoeing. Outdoor enthusiasts will find paradise here, with amenities like volleyball courts, pickleball, zip lining, and scenic walking trails right outside your door. Plus, enjoy the ultimate aquatic experience at the expansive 12,000 square foot community aquatic center, featuring multiple pools and 17 shaded ramadas, along with charming parks scattered throughout the neighborhood. Inside this magnificent home, you'll discover 5 spacious bedrooms and 3.5 bathrooms, providing plenty of room for family and guests. The attached 4-car garage offers ample space for all your vehicles and recreational gear. The gourmet kitchen is a chef's delight, blending style and functionality. Featuring a sleek range hood, gas appliances, and a farmhouse sink, it's complemented by crisp white cabinets and an open floor plan that's perfect for entertaining. Step outside to find a beautifully landscaped backyard, complete with lush greenery, elegant pavers, and low-maintenance synthetic grassideal for outdoor gatherings.

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