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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1422 S Apache Drive Chandler, AZ 85286

$755,000

5 Beds

3 Baths

3,290 SqFt

Status Active Under Contract

MLS # 6747006

Property Type Single Family Residence

Price Type --

Your dream home awaits in Carrizal Community! This 5-bed, 3-bath home with a bonus room features a 3-car garage, mature landscaping, and a cozy porch. Inside, enjoy a bright living room, formal dining, and a family room with pre-wired surround sound and a fireplace. The kitchen offers granite counters, white cabinets, a center island, and stainless steel appliances, refrigerator, washer and dryer. The upstairs loft and large bonus room are perfect for a spacious office or homeschool room. The main bedroom boasts vaulted ceilings, wood-look flooring, and a walk-in closet. The backyard is an oasis with a pool, easy-to-set-up fencing, and view fencing that opens to a common area with mature vegetation. Located in a quiet neighborhood with easy access to Loop 202, this home is a must-see! Offering a covered patio, grassy area, and a refreshing pool. A deal like this won't disappoint!

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1410 Sierra Vista Drive Prescott, AZ 86303

$755,000

4 Beds

2.5 Baths

2,666 SqFt

Status Active

MLS # 6660210

Property Type Single Family Residence

Price Type --

Gorgeous home located in the Hassayampa Hills of famous Prescott, Arizona features breathtaking views from the front yard to the backyard both day and night. Serene, peaceful, majestic, comfortable are just some of the words to describe the emotions embodied in this incredible home. Home has been upgraded and features an open floorplan concept w/ a gourmet kitchen featuring gas cook top, wall oven and microwave, white shaker cabinets, stainless steel appliances, backsplash and upgraded lighting. Most of the floor has been updated w/ luxury vinyl plank flooring. Off the massive primary bedroom there is a large Arizona room lined with sliding glass doors and custom tile flooring. Home features an additional room that is being used as a gym This home is a gem in the best part of town. Large lot can accommodate additional structure up to 50% of the square footage of the home for a mother in law suite/vacation rental

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6923 W Spur Drive Peoria, AZ 85383

$755,000

3 Beds

3 Baths

2,357 SqFt

Status Active

MLS # 6674777

Property Type Single Family Residence

Price Type --

Nestled in the beautiful North Peoria locale, this smart home boasts $100,000 in upgrades, offering a blend of elegance and modern convenience. Upon entry, you'll find a seamlessly integrated smart system enhancing daily living. The gourmet kitchen stands out with its sleek stainless steel appliances and a 10-foot by 4-foot island featuring a stunning waterfall quartz countertop. Equipped with a farmhouse sink, wine refrigerator, and soft-close cabinet drawers, this kitchen combines style and functionality seamlessly. The 9-foot ceilings and 8-foot panel doors throughout create an open, spacious feel, complemented by plantation shutters in the living area and flex room. Enjoy cinematic experiences with the built-in surround sound system and Cat 5 wiring. The master suite offers a tranquil retreat with a spacious walk-in shower and closet, while an additional bedroom features an ensuite for guests or family members. Outside, the front and back yards feature finished pavers and artificial turf for easy maintenance, along with a patio for outdoor entertaining. The 2-car garage with extension provides ample space for vehicles or doubles as a workshop area. Outlets under the eaves simplify holiday light decoration. Conveniently located near shopping, dining, and major highways, this home offers luxurious living in a prime North Peoria location. Welcome home!

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15273 S 31st Street Phoenix, AZ 85048

$755,000

4 Beds

2.5 Baths

2,849 SqFt

Status Active

MLS # 6718481

Property Type Single Family Residence

Price Type --

Tucked in the S. Mountain Foothills, this spotless single-story Mountain Park Ranch home is filled w/light, w/updated kitchen & baths, private pool. New designer Iron front door. Kitchen has all the upscale touches: rich wood, granite, & stainless appliances. The split floorplan places the huge primary suite at the end of a private hall, away from other bedrooms & baths, w/direct access to covered patio. Primary bath has freestanding soaking tub & large glass-encl. shower. There are formal & informal living spaces & a dining room. Yard is low maintenance w/artificial turf. Located w/in walking distance of top-rated Desert Vista HS & just a mile from the 32nd St. Loop 202 interchange. The $33 monthly HOA fee incl. the amenities of MPR: 3 pools/spas, tennis, volleyball, & pickleball courts.

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9532 W Fossil Creek Road Pine, AZ 85544

$755,000

3 Beds

2 Baths

1,872 SqFt

Status Active

MLS # 6728737

Property Type Single Family Residence

Price Type --

Beautifully cabin just finished in 2023 with 3 bedrooms 2 bath and over-sized garage. Trex decking and LP smart siding makes gives a beautiful finish while keep maintenance at a minimum. Covered patios on both front and back. Open floor plan with kitchen/great room as well as exposed heavy timber trusses make it an entertainer dream. Split floor plan with walk-in shower and his and her closets. This property is ready to go and needs nothing!!!

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40 Rim Trail Circle Unit 53 Sedona, AZ 86351

$755,000

2 Beds

2 Baths

1,988 SqFt

Status Active

MLS # 6754139

Property Type Townhouse

Price Type --

Easy living at The Ridge includes large open living room with fireplace, a sitting room (with fireplace) off the master bedroom, an ''Arizona Room'', inground spa, a minimalist kitcen (complete with menus from local restaurants) tile and carpeted flooring...Dues cover amenities at the Hilton Golf Resort such as pickle ball courts, tennis courts, work-out facilities, spa and much more. The Collectives and their restaurants are around the corner...House has been repainted inside, including the dark ceilings. Kitchen lighting has been changed to cam-lighting. Screens have been added to the back area to provide more privacy. Neighbors are friendly!

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14015 N Hampstead Drive Fountain Hills, AZ 85268

$755,000

3 Beds

2 Baths

2,122 SqFt

Status Active

MLS # 6760210

Property Type Single Family Residence

Price Type --

Welcome to your ideal home! This single-story gem boasts 3 beds, 2 baths, & a spacious 2-car garage, spanning 2122sqft of comfortable living space. As you step inside, you're greeted by the charm of beamed ceilings and a focal fireplace, creating a cozy ambiance. The home features energy-efficient windows and sliders installed in 2022, along with a new HVAC system for optimal comfort year-round. Enjoy the convenience of a circular driveway & the beauty of pavers & turf in the backyard, perfect for low-maintenance yet stylish outdoor living. Large pool was remodeled with new pebble tech, new equipment & extended cool decking. Massive space for RV with hookups and RV gate. Also included is the attached lot for a combined .60 acre of comfortable living space or room to expand with no HOA!

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1628 Reed Lane Lakeside, AZ 85929

$755,000

5 Beds

3 Baths

2,341 SqFt

Status Active

MLS # 6769324

Property Type Single Family Residence

Price Type --

This is your home in the White Mountains of AZ! Centrally located walking distance to Woodland Lake, Mountain Meadows Entertainment area and the Nature Center. Almost 2700 sq feet of home to enjoy family time. Split floor plan. Game room for kids. Remodeled inside. Including bathrooms and kitchen Cozy gas fire place in living room. Central a/c and natural gas heating. NO HOA so Airbnb when your not using the home!

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4121 W Tierra Buena Lane Phoenix, AZ 85053

$755,000

5 Beds

2 Baths

3,096 SqFt

Status Active

MLS # 6756441

Property Type Single Family Residence

Price Type --

Your dream farm is here on nearly an acre lot in North Phoenix! Bring your toys, animals, Horses & family to this NO HOA neighborhood. Enjoy the open-concept floor plan featuring white custom kitchen cabinets, a large island with butcher block countertops, & stainless appliances including a fridge. The home offers 5 spacious bedrooms, an air-conditioned Arizona room, and double primary suites. Fresh paint inside and out, plus new vinyl flooring throughout the home. The property features citrus and fruit trees, horse stalls, and plenty of space for more animals. RV Parking.This is a rare opportunity—don't miss it! This is a rare opportunity to own a spacious farm property in North Phoenix without the restrictions of an HOA. Horse corral, stall, tack room, bridle path access.

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3216 W Melody Drive Laveen, AZ 85339

$754,999

5 Beds

3.5 Baths

3,111 SqFt

Status Active

MLS # 6761965

Property Type Single Family Residence

Price Type --

This lovely Laveen beauty is everything your real estate heart wants and more! Sought-after one-story floorplan, spacious, bright, and priced right! Tour today and make this house your home for the holidays!

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11507 E Utah Avenue Mesa, AZ 85212

$754,990

6 Beds

4.5 Baths

4,173 SqFt

Status Active

MLS # 6696375

Property Type Single Family Residence

Price Type --

Introducing this stunning six-bedroom, 4 1/2 bathroom home with an office and loft, boasting 10-foot ceilings on both levels. The famhouse style exterior features a paver driveway and inside the home features 8-foot doors with polishes chrome handles. With a 4 Panel Center slider off the great room, the space is bathed in natural light. Inside, find 6 x 36'' wood-look tile throughout the main areas and 4 1/4 inch baseboards. The primary bathroom showcases an enlarged shower, separate soaking tub, and dual vanities. Chrome bath faucets and upgraded vanity lighting adorn all bathrooms. The kitchen is a chef's dream with a 36-inch gas cooktop, separate wall oven, built-in microwave, painted shaker cabinets with hidden trash pull-out, polished nickel cabinet hardware, quartz countertops, and designer tile backsplash. This home is the epitome of luxury and comfort.

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9426 E Los Lagos Vista Avenue Mesa, AZ 85209

$754,600

4 Beds

3 Baths

3,321 SqFt

Status Active

MLS # 6724287

Property Type Single Family Residence

Price Type --

**AMAZINGLY REMODELED HOME with a SPARKLING POOL AT AUGUSTA RANCH GOLF COURSE COMMUNITY** Your New Home is perched on a Premium Corner Lot just steps away from the Golf Course! This Gem Features: 4bd/3bth + Giant Loft, Formal Living & Dining Rooms, Family Room w/ Fireplace, Luxuriously Upgraded Foyer Chandelier upon Entry, Custom Balusters & Stair Railings, New Polished Porcelain Tile & Charleston Oak Luxury Vinyl Tile throughout, Upgraded Chandeliers in Dining Room & Master Closet, New Vanity in Downstairs Bath, Plantation Shutters, Dual Pane Windows, Custom 2-Tone Interior Paint, Chef's Dream Kitchen w/ Upgraded Cabinetry + Island, SS Appliances & Walk-In-Pantry. Backyard Oasis features a Covered Patio, Custom Pavers, Pool w/Water Features & New Pool Pump+Vacuum. Click More to cont'd Don't forget your 3 car garage & 3 slab parking spaces out front! Your Family Room has a Gas Fireplace perfect for getting cozy on those chilly nights. The Large Master Suite upstairs has a vaulted ceiling & the Master Bath has Dual Sinks, Separate Shower & Tub + Huge Walk-in-Closet spiced up with Chandeliers. You have 2 additional Large Bedrooms upstairs & 1 Bedroom downstairs with a glass sliding door leading out back to your custom paver pad and pool. Downstairs Bedroom could be a perfect office! The Loft upstairs is oversized with a portion that would be perfect for that home office or study area as well! Your New 3,321 sq.ft. Dream-Home has a great multi-functional floor plan that would be hard to find anywhere else. This is an Entertainer's Dream! The Location is Magical & you can access the Golf Course through a passageway in front of your home. Perfect for those sunset walks or maybe even walking the dog. You have 5 parks within the community with 4 play structures, 3 full sized basketball courts, 3 sand volleyball courts, 9 ramadas and plenty of open space. This home is perfect for the growing family with Excellent Schools in the community or nearby! Great Shopping, Restaurants & quick Freeway Access are all here for you! COME GET THIS ONE BEFORE IT'S GONE!

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