4 Things You Absolutely Should Not Do After You Apply for a Mortgage

4 Things You Absolutely Should Not Do After You Apply for a MortgageIf 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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17521 E Silver Sage Lane Rio Verde, AZ 85263

$759,000
2 Beds
2 Baths
1,752 SqFt
Status Active Under Contract
MLS # 6758500
Property Type Single Family Residence
Price Type --
This Beautiful, PRISTINE, highly upgraded ~ Meticulous, OPEN CONCEPT Acacia floor plan is in the prestigious gated community of Trilogy at Verde River! Enveloped in natural light this stunning home boasts upgraded finishes such as wood look tile flooring, custom upgraded lighting, decorative tile-work, Custom Shutters and much more. State-of-the-art, modern kitchen showcases high-end GE Monogram appliances, large kitchen island, sleek upgraded cabinetry, pendants & recessed lighting. Den is enclosed with modern custom designed Barn Doors. Owner's retreat offers luxury ensuite bathroom w/ dual sinks. Walk out to the oversized covered patio and enjoy your stunning Desert Retreat! Trilogy at Verde River offers upscale Resort living at its finest and the very best of all possible worlds, close to the conveniences of affluent North Scottsdale, yet secreted within the pristine privacy of the Sonoran Desert. The amenities are World Class with Tom Lehman inspired eighteen-hole Golf course, tennis courts, pickle ball courts, and bocce ball, heated lap pool and Resort style swimming pool, hot tub, Afterburn fitness center, Helen's demonstration Kitchen for cooking classes and a 7.5 acre dog park. The community center has casual poolside dining at Eddy's Diner and gourmet dining at award-winning Needle Rock Kitchen and Tap, Alvea Spa with full-service Salon and Spa amenities, Art Loft and events center. Trilogy at Verde River is adjacent to the Tonto National Forest and is situated in the middle of miles and miles of hiking and biking trails. Whether you're seeking a second, winter home, or will live here year-round, Trilogy at Verde River is an ideal distance from the hustle and bustle of North Scottsdale. Attitudes here are different; there's a sense of community. You'll love the Resort living! What memories will you make?

617 S Marina Drive Gilbert, AZ 85233

$759,000
3 Beds
3 Baths
2,003 SqFt
Status Active Under Contract
MLS # 6767394
Property Type Single Family Residence
Price Type --
Spectacular waterfront home in the exclusive, gated community of The Islands. Offering breathtaking lake views and move-in ready convenience! This bright 3-bedroom, 3-bath home features an updated kitchen with stunning cabinets, ample storage, counter space, and stainless steel appliances. Two spacious bedrooms boast en-suite baths and walk-in closets. Recent updates include roof, two AC units, upgraded windows, and beautiful hardwood floors throughout. The exterior has an attractive paver patio extending under the front and rear covered patios and boat dock. Prime location near shopping, dining, highways, and downtown Gilbert and Chandler. HOA covers front/backyard landscaping, exterior paint, and access to the community pool/spa, park, sport courts, and boat dock.

14250 N 9th Street Phoenix, AZ 85022

$759,000
3 Beds
2.5 Baths
2,163 SqFt
Status Active Under Contract
MLS # 6777700
Property Type Single Family Residence
Price Type --
Move-in ready, classic brick-style house located in tranquil well-maintained neighborhood with no HOA. Inside natural light abounds, complimenting the open layout with vaulted ceilings. The abundant number of windows have electronic shades offering privacy & energy efficiency. A comfortable great room adjoins a kitchen that will inspire you to entertain this holiday season. Kitchen includes a pantry, separate dining with bay window, conversation area, large breakfast bar and central island with stunning quartz tops & striking backsplash over the 5-burner gas range with pot filler. Stainless steel appliances throughout are included. This home works perfectly as 3 bd or 2 bd with office. You'll enjoy getting ready in the remodeled bathrooms and invigorated in the primary's steam shower. The backyard sanctuary is one of the reasons this house is set apart from the rest, perfect for outdoor gatherings or quiet evenings watching the sun set. Mountain views, citrus trees, BBQ grill, covered patio, ramada decked out with patio lights set the stage for day and nighttime celebrations. The sleek, modern pool with in-pool sundeck complete with umbrella sleeve offers year-round use courtesy of an electric heater/chiller. The painted cooling, anti-skid concrete pool deck and multiple umbrella sleeves help to make this outdoor space pure perfection. Plenty of room to expand what has already started. This home includes numerous upgrades, from solar path lights to a whole-house water filtration system, ensuring your home is both energy-efficient and environmentally friendly. The solar panels save money while enjoying energy independence. Check document tab for the extensive list of upgrades. All this just minutes away from the Paradise Valley Mall Redevelopment Project, Downtown Phoenix, Scottsdale, numerous trendy restaurants, shopping, hiking/biking paths, the Phoenix Preserve, and easy access to freeways. Come tour today!!!

6210 E Red Oak Circle Hereford, AZ 85615

$759,000
3 Beds
3.5 Baths
2,434 SqFt
Status Active
MLS # 6687825
Property Type Single Family Residence
Price Type --
Make this New Custom WALSTON HOME plan all your own! Located in desirable Kings Ranch Subdivision on a 2.47 Acre Corner Lot. This 2434 SF home offers 3br/3ba and 1 half bath. Den/Office. Includes a Linear Deluxe Fireplace in Great Room. Coffered Ceiling and 40x96 Wrought Iron Door at Entrance. Oakcraft Timeless Stained Alder Cabinetry throughout with 42'' uppers, soft close doors. Open Kitchen with 10 ft Island, 3CM Granite throughout. Appliances GE Cafe Pkg Double Oven combo SS, GE Cooktop, GE DW, and GE Hood Vent. Upgraded Tile Floors throughout and in all Bedrooms. Ceiling Fans in Great Room, and Bedrooms. 3 X-Large 12x8 Milgard Tuscany Sliders accessing the back patio from the Great Rm, Dining, and Master Suite. Extra-large Pantry with added shelving, a convenient Laundry Room includes a folding area with lower cabinets for storage. Delta Matte Black faucets. Bath Tile Surrounds w/Niches. One 2-Car Garage 18x8 door and One 1-car garage 9x8 door that both access home. 2x6 frame construction fully sheared. Soft water Loop, Front Courtyard. Driveway to Rd, front yard landscape w/drip. Fence block backyard wall with man gate and 10 ft RV gate. High Speed Internet. Completion 08/30/2024. Photos soon!!

906 N Autumn Sage Court Payson, AZ 85541

$759,000
3 Beds
2 Baths
2,319 SqFt
Status Active
MLS # 6698935
Property Type Single Family Residence
Price Type --
STUNNING HOME IN CHAPARRAL PINES ON A CORNER LOT! SINGLE LEVEL AND UPGRADES GALORE*GREAT ROOM*DINING AREA*KITCHEN INCLUDES: S/S APPLIANCES, SLAB GRANITE,KNOTTY HICKORY CABINETS, PANTRY*HARD WOOD FLOORING THROUGHOUT*VERY OPEN FLOOR PLAN* CEILING IS VAULTED W/TONGUE AND GROOVE*8'DOORS*LARGE MASTER SUITE WITH CROWN MOLDING & OWN ENTRY TO BACK COVERED DECK W/JACUZZI*MASTER BATH HAS SLATE TILE FLOORING,TUB, AND LARGE WALK IN SHOWER*LARGE MASTER CLOSET W/BUILT INS*TWO ADDITIONAL SPACIOUS BEDROOMS*OVERSIZED 2 CAR GARAGE W/WORK SHOP OR STORAGE FOR YOUR GOLF CART*THERE ARE TWO COVERED PATIOS WITH PLENTY OF SPACE FOR ENTERTAINING*THIS IS A HIGHLY UPGRADED HOUSE WITH THE PERFECT LOT*WILDFLOWER RIDGE IS AN AMAZING SUBDIVISION IN CHAPARRAL PINES*THE CLUBHOUSE HAS EVERYTHING YOU COULD DREAM OF!!!

19690 W Marshall Avenue Litchfield Park, AZ 85340

$759,000
5 Beds
4.5 Baths
3,954 SqFt
Status Active
MLS # 6716440
Property Type Single Family Residence
Price Type --
Dream home in Litchfield Park! This 5-bedroom, flex space, den, loft, and 4.5-bath beauty. Built in 2021, showcases over $100k in thoughtful upgrades, including a central vacuum, tankless water heater, water softener, and soft-close cabinets. Outdoors, relax in the Pebble Tec pool with in-floor cleaning, a rock waterfall, and all with stunning mountain views and lush greenspaces as your backdrop. Inside, discover a beautifully designed open floor plan with a chef's kitchen, spacious den, and an upstairs loft perfect for relaxation or entertainment. The luxurious master suite features a spa-like en-suite and an expansive walk-in closet. Each bedroom is generously sized, offering comfort for family and guests alike. Located near top shopping, dining, and hiking destinations! Upstairs, the loft provides additional space for relaxation or entertainment. Each of the five bedrooms is generously sized, ensuring comfort for family and guests alike. The master suite is a true retreat, featuring a spa-like en-suite bathroom and expansive walk-in closet. Step outside to your private oasis. The backyard is a haven for relaxation and entertainment, complete with a sparkling pool and ample space for outdoor dining and lounging. The unobstructed views of the surrounding greenscapes and mountains provide a picturesque backdrop for any occasion. Located close to the best shopping, dining, and hiking trails, this home offers the perfect blend of tranquility and convenience. Enjoy the community amenities and the welcoming atmosphere that Litchfield Park is renowned for. Don't miss the opportunity to make this exceptional property your own. View it today and experience the unparalleled lifestyle this home has to offer.

20664 W Marshall Avenue Buckeye, AZ 85396

$759,000
2 Beds
2 Baths
2,236 SqFt
Status Active
MLS # 6716343
Property Type Single Family Residence
Price Type --
PRICE IMPROVEMENT! This beautifully updated residence in Victory at Verrado—a premier 55+ community—offers a luxurious retirement lifestyle with all the right touches. Imagine coming home to your impeccably landscaped oasis, where a striking facade with stone accents and a generous 2-car garage welcomes you. Step inside, and you'll be greeted by an expansive open floor plan featuring vaulted ceilings with exposed beams and rich wood-look flooring throughout, creating a seamless flow. The home's neutral palette sets a relaxing tone, making it an ideal retreat. The gourmet kitchen is a chef's dream, featuring abundant cabinetry, sleek quartz countertops, and a convenient pantry for all your culinary needs. The centerpiece is the island, complete with a breakfast bar, ideal for casual dining or entertaining guests. The subway tile backsplash adds a touch of modern flair, while stainless steel appliances and a blend of recessed and pendant lighting make every meal preparation a pleasure. Large sliding doors open to a lovely backyard oasis, complete with a refreshing pool, creating the perfect indoor-outdoor living experience. After a day of enjoying the vibrant community, retreat to your primary bedroom, a sanctuary with a walk-in closet and a lavish ensuite boasting dual sinks. The luxury continues outdoors with a beautiful backyard, where a covered patio invites alfresco dining and relaxation. The artificial turf ensures a pristine look year-round, while the sparkling pool beckons for a refreshing dip. This fantastic 2-bedroom, 2-bath home in Victory at Verrado is more than a residence; it's a lifestyle tailored for luxury and comfort in a thriving 55+ community. Take advantage of this price improvement and make this stunning home yours today. Welcome home!

3770 E Colonial Drive Chandler, AZ 85249

$759,000
3 Beds
3 Baths
2,425 SqFt
Status Active
MLS # 6721258
Property Type Single Family Residence
Price Type --
Appreciate all the Finer Elements of this Exquisite Home in Solera, a Resort Style Community. Expansive Patio w/views overlooking both the 7 & 11 Fairways, the Lake and Recreation Center, Built in BBQ, Firepit, & lots of Entertaining Space. This Prestine Home is the Largest Floorplan w/ 3 Bedrooms, 3 Baths, a 2.5 car garage w/Epoxy Floors, Side Entry Door & 12'' Ceilings . Beautiful Hickory Hardwood & Tile flooring, Quartz Counters, Travertine Backsplashes, Gas Cooktop, Double Ovens, & Pantry complete this Amazing Chef's Kitchen, There's Formal & Family Lving space, w/a Two Way Accent Fireplace Creating lots of Cozy space to Entertain Family & Friends. Come see all that this Gorgeous Home has to offer. Make this YOUR Arizona ''Resort Home!

13195 W Golden Puma Trail Peoria, AZ 85383

$759,000
4 Beds
3 Baths
2,414 SqFt
Status Active
MLS # 6727941
Property Type Single Family Residence
Price Type --
Welcome to your dream home! This stunning one-year-old residence is nestled in an award-winning master-planned community, known for its exquisite design and luxurious amenities. The heart of the home is a spacious, modern kitchen that seamlessly opens to the great room, creating the perfect space for entertaining and family gatherings. New stainless appliances, huge island, and ample storage provides everything you need and want. Enjoy breathtaking views from your own backyard on a prime view lot. Featuring a travertine stone patio and low maintenance artificial grass. The home also features a 3-car tandem garage, providing ample space for vehicles and storage. Don't miss the chance to own a slice of paradise in this highly sought-after community w/even more amenities to enjoy!

40548 N Barred Place San Tan Valley, AZ 85140

$759,000
4 Beds
3.5 Baths
2,924 SqFt
Status Active
MLS # 6762017
Property Type Single Family Residence
Price Type --
DON'T SLEEP ON THIS ONE! Near the new 24 freeway - this area is booming with development! This exceptional single-level home is a true showcase of style and functionality, boasting a wide array of high-end upgrades. If you're seeking a turn-key ready property, your search ends here.The gourmet kitchen is a chef's dream, featuring floor-to-ceiling cabinets, quartz countertops, a designer tile backsplash, and stainless steel appliances, including a wall oven, gas cooktop, and an expansive island with a breakfast bar. A spacious walk-in pantry and convenient butler's pantry offer ample storage solutions.The kitchen flows effortlessly into the dining nook and great room, which is complete with a built-in entertainment center, surround sound, and a stunning multi-slide glass door ... that opens to create seamless indoor-outdoor living. There's also a bonus area that can be used as a den, office, or formal dining room, providing extra versatility.The split floor plan ensures privacy, with generously sized secondary bedrooms featuring a shared Jack-and-Jill bath, plus an additional full guest bath. The primary suite offers a private exit to the backyard, an en suite bath with dual vanities, a step-in shower with dual shower heads and an oversized walk-in closet. The backyard is truly a resort-style retreat, with a sparkling salt water pool that includes a water feature, Baja step, and in ground cleaning system. The low-maintenance landscaping includes artificial turf, a putting green, and travertine pavers, and misters under the extended covered patio. Additional highlights include a 3-car tandem garage with a concrete pad and RV gate ** RV PARKING WELCOMED** . This stunning property is easy to show and move-in ready!

2383 W Detroit Place Chandler, AZ 85224

$759,000 - 5Br/3Ba -  for Sale in Castille, Chandler
Open House
$759,000
5 Beds
3 Baths
3,321 SqFt
Status Active
MLS # 6781106
Property Type Single Family Residence
Price Type --
Welcome to this peaceful cul-de-sac property! You're welcomed by a lovely living room w/ plantation shutters & tile flooring. The cozy family room is perfect for relaxing evenings w/ loved ones. The delightful kitchen features granite counters, abundant wood cabinetry, pendant/recessed lighting, SS appliances, a handy pantry, a center island, & a peninsula w/ a breakfast bar. Upstairs, you'll find a sizeable loft perfect for a workspace or relaxation. Double doors lead to the main bedroom, boasting vaulted ceilings, plush carpeting, an ensuite w/ double sinks, & a walk-in closet. The enchanting backyard showcases a covered patio, a built-in BBQ, stylish pavers, artificial turf, fragrant citrus trees, pristine artificial turf, a charming gazebo, & an outdoor fireplace. Make this yours!

1208 E Paseo Way Phoenix, AZ 85042

$759,000 - 3Br/3Ba -  for Sale in Vistal Phase 1 Residential Community, Phoenix
Open House
New
$759,000
3 Beds
2.5 Baths
2,391 SqFt
Status Active
MLS # 6783318
Property Type Single Family Residence
Price Type --
There is simply nothing that compares to Avance, the premiere gated enclave of newer sustainable, mountain modern homes tucked into the scenic South Mountain foothills. Welcome to this architecturally unique, Contemporary Modern home that is LEED gold certified, ensuring a comfortable, cost-efficient and healthy lifestyle. This highly-customized Ranger 1 plan with over $160,000 in builder + after-market upgrades offers impressive interiors and refined outdoor spaces. This 2020 built home is still under the 10 year limited builder warranty, which is transferrable. The home's distinctive modern aesthetic is matched with high-level eco-efficiencies. An open floorplan offers dreamy natural light and designer finishes throughout. The living space features luxury plank like wood flooring and a a 12ft. pocket sliding door. There are 3 spacious bedrooms plus a den.The primary suite overlooks the rear yard and offers a luxurious private bath with an upgraded frameless glass walk-in shower outfitted with Delta rain shower head, custom floor-to-ceiling tile surround, dual vanity with matte black Delta faucets. A walk-in closet is thoughtfully-planned to maximize storage. The home offers a whole house HEPA fan, reverse osmosis, water softener and tankless water heater. Working from home is a breeze with the Cat 6 wiring throughout and 1GB fiber internet connection. 3 zoned smart thermostats and ceiling fans to help keep you cool. The kitchen is top notch in every way with amazing spaces to prep and enjoy meals. Contemporary style cabinetry are upgraded with 42 upper, and upgraded pots/pans drawers. Additional details include Oceana-N Quartz counters by Della Terra Quartz, custom tile back splash, Delta matte black faucet with touch20 technology and Blanco Diamond super single bowl sink. The oversized island offers seating for up to 4. Energy-star certified, stainless steel GE Profile appliance package, includes double wall ovens and 36 gas cooktop with drop-in cast iron griddle and designer hood. Enjoy your own patio with built in speakers and heated pool all year long, additional jets and extra sitting all around make it feel like a giant jacuzzi with automated smart system that can also be controlled via phone/tablet, perfect for gathering and family feasts. There are 3 car tandem garage spaces with epoxy flooring, upgraded insulation, including insulated garage doors. Escape the ordinary and discover the ultimate in authentic, Sonoran desert living right out your front door. Enjoy the mid-century modern inspired Avance recreation center which frames the epic panoramic mountain and city views. Residents can work on their overall health and wellness with facilities that rival the finest gyms and resorts. Right next to the recreation center is the contemporary 3,600 square foot beach-entry heated pool and spa, which are perfect for swimming laps or relaxing. Poolside cabanas decorated with high-end furniture invite you to embrace the picturesque setting. Outdoor enthusiasts will love the 7 community parks, tree-lined streets with walking paths, volleyball court, communal fireplace, yoga park and direct access to the South Mountain Park and Preserve, which is the largest municipal park in the United States, with 100 miles+ of hiking/horseback riding/biking trails covering 16,000 acres, along with miles of roadways for bicyclists. Located just 6 miles from downtown Phoenix, Avance residents love a quick commute AND panoramic views of the sparkling downtown Phoenix skyline. Feast your eyes on the coolest architectural styles built throughout the community that seamlessly blend with the natural mountain surrounding. Avance is a dark sky community' with an emphasis on friendly outdoor lighting. Enjoy nearby iconic Phoenix shopping, entertainment, recreation, art and agriculture destinations. Local favorite restaurants include: The Farm at South Mountain, Cucina Madrigal and Los Dos Molinos. Don't miss Spaces of Opportunity, a 19 acre community gathering space, which provides fresh produce and farming opportunities to the community. Whether commuting to Phoenix, Tempe or Chandler, you'll love the close proximity to the I-10 and 17 freeways. Don't miss this amazing home!

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