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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Sort by: Select Price, Low to High Price, High to Low Newer Listings First Older Listings First Open House Date

2441 W Pinegrass Road Show Low, AZ 85901

$754,500

3 Beds

2 Baths

2,103 SqFt

Status Active

MLS # 6665994

Property Type Single Family Residence

Price Type --

Looking for a cabin with a more modern feel? Then look no further than this tremendous home built in 2022. The house consists of 3 bedrooms and 2 bathrooms, providing ample space for a comfortable living environment. Conveniently attached to the house is an oversized 2 car garage with a pavered driveway providing ease of access and parking for guests. Upon entering the home you'll notice large windows providing an abundance of natural light, the open/split floor plan, beautiful floor to ceiling stone gas fireplace, and so much more. The spacious main bedroom suite offers a tranquility escape with the large shower room, private toilet room, walk-in closet and dual vanity combining functionality with a modern design. The other 2 bedrooms are perfect for any of your desires. Going... outside you'll notice both the front porch and back deck are covered and offer opportunities for relaxation and entertainment, with the trex deck ensuring durability and low maintenance. As if this isn't enough there is a pavered firepit area to extend the gathering places. overall, this property offers a blend of modern amenities, functional design, and outdoor living spaces, making it an ideal choice for comfortable living and entertaining.

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16367 W Princeton Avenue Goodyear, AZ 85395

$754,000

3 Beds

3.5 Baths

2,423 SqFt

Status Active

MLS # 6779787

Property Type Single Family Residence

Price Type --

Pristine condition. This amazing Talavera floor plan with casita on a common area lot offers a total of 3 bedrooms and 3.5 baths, plus office. Huge open concept living space with supersized kitchen, living and informal dining. All 3 full baths have been beautifully updated. Unique and flexible casita set up, because you can enter the attached casita from a private exterior door, or you access the casita from the main house as an interior doorway was installed between bedroom 2 and the casita to create the perfect in-law suite arrangement combining the rooms. Home has a paid off solar lease. This home has been appraised and is priced at appraisal which is on file in the DOC section of MLS, along with the home inspection report. This is a truly solid value and a great home. Don't miss out

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380 E Bittercress Avenue Queen Creek, AZ 85140

$753,054

2 Beds

2 Baths

1,928 SqFt

Status Active

MLS # 6723110

Property Type Single Family Residence

Price Type --

Discover the perfect blend of elegance & comfort in this upgraded Nice floorplan with 2 bed, den, 2 bath home & 1,928 sq. ft. of living space. The $30,000 lot premium & over $160,000 in upgrades make this a standout property. The gourmet kitchen is a highlight, featuring JennAir® appliances, quartz countertops, white cabinets, a stylish tile backsplash, & a single bowl undermount sink. Enjoy luxurious baths with upgraded tile shower surrounds & a heavy glass primary shower enclosure. The home also boasts upgraded flooring throughout, a 15' multi-slide door overlooking the backyard with a covered patio & extended pavers. Designed for comfortable living with a SmartSpace area & thoughtful details throughout. It's move-in ready! Come & see why this home is the epitome of refined living!

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3786 S Sutter Creek Trail Flagstaff, AZ 86005

$753,000

4 Beds

2 Baths

1,838 SqFt

Status Active

MLS # 6776459

Property Type Single Family Residence

Price Type --

Charming Ponderosa Trails Home with Flexible Living Options! Discover the perfect blend of comfort, versatility, and extras in this beautifully maintained home located in the desirable Ponderosa Trails community. Offering a unique and flexible layout, this property is packed with options to suit your lifestyle. The attached guest suite presents an incredible opportunity to offset your mortgage or easily convert back into a spacious master suite, transforming the home into a 4-bedroom residence. The suite is self-contained with its own private entrance, kitchenette, bathroom, living room, bedroom, and a secluded patio—ideal for guests, extended family, or rental income. The backyard is a peaceful retreat, backing onto a green space that ensures no neighbors behind you, adding a sense of tranquility and privacy. The kitchen is a chef's delight, boasting stylish concrete countertops and updated tiles while the home itself offers ample storage with a three-car wide driveway, a greenhouse, a shed, and a charming pergola. Inside, vaulted ceilings, custom lighting, skylights and a small gas stove fireplace create a cozy and welcoming atmosphere. A thoughtful 500 sq ft addition, completed in 2010, enhances the living space, making this home perfect for both relaxation and entertaining. Lovingly maintained by its original owner, the original home design follows a split floor plan with two bedrooms on one side and the large primary suite with home office on the other separated by an open area design for the kitchen, dining, and living room. The easily accessible attic, with pull-down stairs in the 2-car garage, adds extra convenience for storage. Situated in a friendly neighborhood with great neighbors, close to the Ponderosa Trails park, the airport, and offering easy access to I-17, this home is as convenient as it is charming.

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7895 W Coyote Drive Peoria, AZ 85383

$751,990

3 Beds

2.5 Baths

2,695 SqFt

Status Active

MLS # 6767860

Property Type Single Family Residence

Price Type --

Welcome to Ashton Woods newest community in Peoria -The Sanctuary at Aloravita. This 2,495 Topaz floorplan features a Spanish elevation and includes 3 bedrooms, 2.5 baths, teen room, separate dining room, and a 2 car garage. The massive kitchen island is perfect for family and friends to gather as it opens to the home's great room for easy entertaining. The kitchen includes stainless steel appliances with a gas cooktop, large undermount sink, beautiful white shaker style cabinets, cabinet hood, quartz countertops, and a must see Butler's Pantry. Other features include, 8' interior doors, wood plank floor tile, upgraded carpet/pad, and a soft-water loop. Great location close to dining, freeways, parks, and entertainment!

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19749 S 231 St. Way Queen Creek, AZ 85142

$751,988

4 Beds

3.5 Baths

3,048 SqFt

Status Active

MLS # 6707641

Property Type Single Family Residence

Price Type --

PRICE WAS REDUCED FROM ORIGINAL PRICE OF $784,988!! GREAT ROOM PLAN, W/LOFT, MAIN BEDROOM IS DOWNSTAIRS, ATRIUM DOORS LEADING TO BACK PATIO, 4-BEDROOM, 3.5 BATH, 3- CAR GARAGE, UPGRADED 42'' CABINETS, GRANITE KITCHEN TOPS, 10' CEILINGS, GOURMET KITCHEN LAYOUT, HERRING BONE DESIGN FLOOR TILE, TANKLESS GAS WATER HEATER, WATER SOFTENER, ETC... 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+++ KATHERING MECHAM BARNEY SCHOOL IN THE COMMUNITY.

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W Pima Road Maricopa, AZ 85139

$750,000

4 Beds

3 Baths

2,842 SqFt

Status Active

MLS # 6760429

Property Type Single Family Residence

Price Type --

TO BE BUILT-NO HOA! Discover the endless possibilities with this custom-build, multi-generational home, where mountains and saguaro cacti create a breathtaking backdrop. Perfectly designed for extended family living, this property offers both privacy and shared spaces, all within a setting that's truly one-of-a-kind. This unique opportunity allows you to put your personal touch on the final finishes, making this dream home truly your own. The home boasts 10-foot ceilings throughout, enhancing the spacious and airy feel of the interior. A 15-foot collapsible patio door seamlessly connects the indoors with the outdoors, allowing for an effortless flow between the living area and your private outdoor oasis. PHOTOS OF PREVIOUSLY BUILT MODEL. Built with 2x6 construction and spray foam insulation, this home is as energy-efficient as it is sturdy, providing comfort and peace of mind. A walkable attic offers additional storage space and ease of access. Outside you will find wide-open spaces, ideal for outdoor activities, gardening, or simply soaking in the desert's natural beauty. The panoramic mountain views and towering saguaros offer a sense of tranquility and connection with nature that's hard to find elsewhere. Best part is, there's no HOA! Please note, buyers will need to secure a construction loan to complete the purchase.

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7210 S 255th Avenue Buckeye, AZ 85326

$750,000

4 Beds

2.5 Baths

2,459 SqFt

Status Active

MLS # 6771889

Property Type Single Family Residence

Price Type --

Stunning contemporary farmhouse constructed in 2022, nestled on a private acre of land. This home features exquisite luxury vinyl flooring, natural wood soft-close cabinets, and plantation shutters throughout. The well-equipped kitchen boasts an island, farmhouse sink, quartz countertops, a gas range with an electric oven, and a walk-in pantry. It flows seamlessly into a spacious great room with a cozy fireplace. The expansive yard includes an irrigation system, private well, and auxiliary water tank, providing plenty of space for entertaining friends and family in a tranquil setting!

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856 E Village Cir Drive Phoenix, AZ 85022

$750,000

4 Beds

2 Baths

2,006 SqFt

Status Active

MLS # 6762051

Property Type Single Family Residence

Price Type --

Full remodeled home located in the Villages HOA. Turn key. Additional upgrades include grass backyard, fencing, insulated walls, roof resurfaced, EV outlet, newer appliances, modern interior, new water heater, water softener, too many to mention it all. Will not last long. The lot itself is arguably the best in the development. If you never have been here it is like a little PV oasis. Shadow mountain views and desert buffer between neighbors.

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32290 W Happy Jack Trail Black Canyon City, AZ 85324

$750,000

2 Beds

2 Baths

1,827 SqFt

Status Active

MLS # 6766783

Property Type Single Family Residence

Price Type --

Beautiful well-built custom Ranch-Style home is perfectly designed for living in the Sonoran Desert as it integrates indoor-outdoor living, with drop-dead gorgeous views of the Bradshaw Mountains. A relaxed lifestyle that embraces open space to create a nice flow throughout. A well-appointed kitchen with an abundance of cabinets, a breakfast bar, large laundry room with a utility sink, great room with a fireplace, formal dining area with a beautiful bay window to take in the views. A generous master bedroom, with an oversized walk-in closet, private double door access to the back patio, and a beautiful master bathroom. Walk-in closet in the guest bedroom, office/den can be easily converted to create a 3rd bedroom. Covered front patio, large covered back patio and a veranda. Walk-in closet in the guest bedroom, office/den can be easily converted to create a 3rd bedroom. Covered front patio, large covered back patio and a veranda. 30x45 detached garage/workshop with an attached art/craft room complete this home. This home is Perfect for the outdoor enthusiast, being located adjacent to BLM makes it ideal for hiking and horseback riding.

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16946 W Baker Road Surprise, AZ 85387

New

$750,000

4 Beds

2 Baths

2,050 SqFt

Status Active

MLS # 6784181

Property Type Single Family Residence

Price Type --

Impeccably maintained 4-bedroom modern farmhouse nestled on a sprawling 1-acre lot with breathtaking mountain vistas and the freedom of no HOA! The kitchen boasts high-end cabinets with 42'' uppers, elegant white quartz countertops, and stainless steel appliances creating the perfect backdrop for culinary creations. Premium Trane AC units and high-end Pella windows ensure year-round comfort and energy efficiency. Outside, embrace the opportunity to indulge in equestrian pursuits with ample space for horses to roam and thrive. Whether you're captivated by the serene landscape or drawn to the allure of country living, this modern farmhouse offers the perfect blend of modern amenities and rustic charm!

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2351 W Toledo Place Chandler, AZ 85224

$750,000

4 Beds

2.5 Baths

3,321 SqFt

Status Active

MLS # 6752612

Property Type Single Family Residence

Price Type --

Pride of ownership is shown in this remarkable residence featuring a spacious 3-car garage in Castille! New carpet, freshly painted bedrooms, custom walk-in closet for corner bedroom, and remodeled pool/backyard. Enjoy cozy nights at home by the charming fireplace in the family room! The well-appointed kitchen boasts white cabinetry, granite counters, a chic mosaic backsplash, stylish light fixtures, built-in appliances, & an island complete w/a breakfast bar. Discover a convenient loft providing the perfect spot for a reading area! The main bedroom showcases soft carpet & a private bathroom w/dual sinks. Host memorable gatherings in the amazing backyard including a swimming pool & a covered patio! Don't miss out!

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