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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18925 E Oriole Way Queen Creek, AZ 85142

Open House

$759,000

6 Beds

4.5 Baths

4,083 SqFt

Status Active

MLS # 6768161

Property Type Single Family Residence

Price Type --

NOW OFFERING $15,000 towards BUYERS CLOSING COSTS or RATE BUY DOWN!! Freshly painted exterior (11/2023) and enjoy the beautifully landscaped front and back yards with artificial turf and pavers. The home boasts thoughtful upgrades, including a newer 50-gallon gas water heater (03/2023), new carpet on the second floor (10/2024), and plantation shutters, ceiling fans, and lights in every room. The spacious kitchen features extended cabinetry, while the tech station has added cabinets and counters. The dining room has been converted into a cozy den with French doors, and a bonus room provides extra living space. Upstairs, a Jack and Jill bathroom connects two bedrooms, and the master bath features a relaxing Jacuzzi tub. The laundry room has cabinets and sink

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3483 W Sunstone Drive San Tan Valley, AZ 85144

Open House

$758,995

4 Beds

3.5 Baths

2,880 SqFt

Status Active

MLS # 6768923

Property Type Single Family Residence

Price Type --

The Lockhart's covered porch and foyer open onto the expansive great room, casual dining area, and desirable large covered patio beyond. The well-equipped kitchen is complete with a large center island, plenty of counter and cabinet space, and walk-in pantry. The primary bedroom suite is enhanced by an enormous walk-in closet and deluxe primary bath with dual-sink vanity, large soaking tub, luxe shower with seat, and private water closet. Central to a generous flex room, the ample secondary bedrooms feature sizable closets, one with private bath, two with shared bath with separate dual-sink vanity area. Additional highlights include a convenient powder room and drop zone, central located laundry and additional storage.

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4512 E Turney Avenue Phoenix, AZ 85018

$758,000

3 Beds

1 Bath

952 SqFt

Status Active

MLS # 6748390

Property Type Single Family Residence

Price Type --

LOCATION LOCATION LOCATION - Arcadia Lot with Camelback Mt view! Ready to build your own dream home. Drive down this street and see the opportunity and what has been developed in this charming area in Arcadia. This 3 bedroom home is also available to live in as it stands. Venture into the inviting living room, featuring a neutral palette. The eat-in kitchen comes with wood cabinetry, a mosaic tile backsplash. Three cozy, well-sized bedrooms. Outside, the backyard includes a covered patio, a well-kept lawn, and the convenience of a rear entry RV gate that leads to the alley. Don't miss out on this fantastic opportunity!

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1745 E Amaranth Trail Queen Creek, AZ 85140

Open House

$758,000

2 Beds

2.5 Baths

2,368 SqFt

Status Active

MLS # 6778744

Property Type Single Family Residence

Price Type --

Discover this beautifully upgraded 2,300 sq. ft. home, featuring a spacious expanded guest suite complete with its own en-suite bath, perfect for guests or a private retreat. The backyard is an entertainer's dream with a heated pool, cozy firepit, outdoor fireplace, and retractable screen for added comfort and privacy. Inside, you'll find an elegant mix of wood flooring, tile, and upgraded carpet, complemented by custom shutters that add style and functionality. With a brand new HVAC system and an 8KW solar panel system, this home combines comfort and energy efficiency, offering luxurious Arizona living at its best. This well maintained home can be yours today. If you are an avid golfer, you can skip the waiting list and join the Encanterra golf course today!

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5045 W Top Hand Trail Laveen, AZ 85339

$757,995

3 Beds

2.5 Baths

2,740 SqFt

Status Active

MLS # 6728574

Property Type Single Family Residence

Price Type --

Entertaining is easy in the Harley plan, which boasts a well-appointed kitchen with a walk-in pantry and center island. You'll also appreciate a dining area and an adjacent great room overlooking a covered patio. This home will be built with a study, . A spacious primary suite with an attached bath and walk-in closet is separated from two secondary bedrooms for privacy. Additional features include a gourmet kitchen and a deluxe primary bathroom

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3031 E Vermont Drive Gilbert, AZ 85295

$757,500

3 Beds

2 Baths

2,289 SqFt

Status Active

MLS # 6718530

Property Type Single Family Residence

Price Type --

Price Reduction! Beautifully upgraded 3 bedrooms/2 bath home with a den. This stunning single-story home is situated in the much coveted Chaparral Estates. The open split floor plan features numerous upgrades, creating an immaculate and turnkey home. The large family room seamlessly connects to the kitchen, which boasts of beautiful granite countertops, a huge island with a breakfast bar, and a separate dining area. Plenty of cabinets and counter space, and stainless steel appliances with a spacious pantry. Storage abounds, including a 3-car garage with finished floor. Spacious primary suite includes a huge walk-in closet & a gorgeous open primary bath. The oasis backyard features a sparkling pool with water feature and an auto-timed multi colored light that can be set to come at dusk new pool pump 2023. Recently painted inside and out. Maticulasly maintained.

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8042 E Quartet Avenue Mesa, AZ 85212

$756,704

5 Beds

3.5 Baths

3,399 SqFt

Status Active

MLS # 6764387

Property Type Single Family Residence

Price Type --

MLS#6764387 November Completion! The Lewiston is a spacious two-story floor plan at Hawes Landing, offering 3,399 sq. ft. of well-designed living space with 5 bedrooms, 3.5 bathrooms, a 3-car tandem garage, formal dining room, study, and an upstairs loft. As the second-largest plan in our Landmark Collection at Hawes Crossing, it delivers both style and functionality. The foyer leads to a private study and formal dining area, which flow into the open-concept kitchen, great room, and additional dining space—perfect for hosting gatherings. Upstairs, you'll find all the secondary bedrooms, a loft, and the luxurious primary suite featuring dual vanity sinks and a spacious walk-in closet. The conveniently located second-floor laundry provides thoughtful design. Structural options include: paver front porch, garage service door, elevation C, double interior doors at study, and super shower at owners bath.

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8757 W Missouri Avenue Glendale, AZ 85305

$755,990

4 Beds

4.5 Baths

3,704 SqFt

Status Active

MLS # 6729320

Property Type Single Family Residence

Price Type --

MLS#6729320 The 2-story Hampton is sure to impress with 5 bedrooms, 4.5 baths and a 3-car garage. When you walk through the front door of this stately home, you are greeted by a long foyer with a dedicated formal dining room to host events. The Hampton provides cutting-edge open-concept designs for the ultimate in modern living with the gourmet kitchen, casual dining, and gathering room flowing seamlessly together. Upstairs, you will find the spacious owner's suite with a retreat, luxurious bath and a large walk-in closet. Three additional bedrooms, a shared bath and a loft round out the second floor. Structural options include: upgraded gourmet kitchen appliances. Design upgrades include: upgraded maple cabinets with full overlay, 42 uppers, quartz countertops, upgraded tile.

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19701 S 231st Way Queen Creek, AZ 85142

$755,772

5 Beds

4 Baths

2,993 SqFt

Status Active

MLS # 6668542

Property Type Single Family Residence

Price Type --

BEAUTIFUL GREAT ROOM, LOFT PLAN-PRIMARY DOWN. READY FOR MOVE IN!! 5 BEDROOM, 4 BATH, GOURMET KITCHEN LAYOUT, WHITE SHAKER CABINETS, GRANITE KITCHEN TOPS, TILE FLOORING, SPA SHOWER IN THE PRIMARY BATH, FRONT YARD LANDSCAPED WITH ARTIFICIAL TURF, PAVER WALKWAY & DRIVEWAY. ALL THIS, IN THE NEW PREMIER MASTER PLAN COMMUNITY, IN QUEEN CREEK, FEATURING A 22 ACRE LAKE. THIS IS THE CENTERPIECE OF THE COMMUNITY. KAYAKING AND CANOEING, AQUATIC CENTER WITH LAP AND SPORT POOL SPLASH PAD, BOCCE BALL, PICKLE BALL, BOARDWALKS AND RAMADAS THROUGHOUT AND MUCH MORE.. THE HOME INCULDES 2'' FAUX WOOD BLINDS, CEILING FANS, TANKLESS WATER HEATER+++ KATHERINE MECHAM BARNEY SCHOOL IN THE COMMUNITY.

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377 E Windsor Avenue Unit 20 Phoenix, AZ 85004

Open House

$755,575

3 Beds

2.5 Baths

1,967 SqFt

Status Active

MLS # 6775045

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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377 E Windsor Avenue Unit 21 Phoenix, AZ 85004

Open House

$755,575

3 Beds

2.5 Baths

1,967 SqFt

Status Active

MLS # 6775046

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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1930 E Monterey Way Phoenix, AZ 85016

$755,000

3 Beds

2.5 Baths

2,171 SqFt

Status Active

MLS # 6781146

Property Type Single Family Residence

Price Type --

Don't miss this Gorgeous Central Phoenix CONTEMPORARY 2019 BUILD on cul de sac street. 2171 SF, 3 Bedrooms Upstairs, 2 Bathrooms Upstairs, Half Bathroom Downstairs. Brand New Tile Flooring throughout with an open spacious floor plan. Great Room with 10' ceilings. Dining area features wet bar center with 2 beverage refrigerators and extra storage space. Open kitchen with lots of sleek cabinetry, stainless appliances including gas range and beautiful waterfall quartz counter. Laundry on the main floor with space saving tankless water heater. Double wide gate gives access to additional covered parking area with extra high ceiling. Wonderful Phoenix location, conveniently located to easy freeway access.

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