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.

Click Here to See What Your Home is Worth

Listing types.

For Sale

For Rent

Land

Multifamily

Commercial

Location Search Nearby

BedsAny1+2+3+4+5+6+

BathsAny1+2+3+4+5+6+

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Property TypeAnyApartmentManufactured HomeSingle Family ResidenceTownhouseTwin Home

School District

Address, MLS# or Keyword

Home SizeAny600 ft2800 ft21,000 ft21,200 ft21,400 ft21,600 ft21,800 ft22,000 ft22,200 ft22,400 ft22,600 ft22,800 ft23,000 ft23,500 ft24,000 ft24,500 ft25,000 ft25,500 ft26,000 ft2

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Distressed

Open House

Location Search Nearby

BedsAny1+2+3+4+5+6+

BathsAny1+2+3+4+5+6+

Price MinAny$500$600$700$800$900$1,000$1,100$1,200$1,300$1,500$1,600$1,700$1,800$1,900$2,000$2,250$2,500$2,750$3,000$3,250$3,500$3,750$4,000$4,500$5,000$5,500$6,000$6,500$7,000$7,500$8,000$8,500$9,000$9,500$10,000

Price MaxAny$500$600$700$800$900$1,000$1,100$1,200$1,300$1,500$1,600$1,700$1,800$1,900$2,000$2,250$2,500$2,750$3,000$3,250$3,500$3,750$4,000$4,500$5,000$5,500$6,000$6,500$7,000$7,500$8,000$8,500$9,000$9,500$10,000

Advanced Options

Property TypeAnyApartmentManufactured HomeSingle Family ResidenceTownhouseTwin Home

School District

Address, MLS# or Keyword

Home SizeAny600 ft2800 ft21,000 ft21,200 ft21,400 ft21,600 ft21,800 ft22,000 ft22,200 ft22,400 ft22,600 ft22,800 ft23,000 ft23,500 ft24,000 ft24,500 ft25,000 ft25,500 ft26,000 ft2

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Location Search Nearby

Lot SizeAny1+ Acres2+ Acres3+ Acres4+ Acres5+ Acres6+ Acres7+ Acres8+ Acres9+ Acres10+ Acres20+ Acres30+ Acres40+ Acres50+ Acres

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Neighborhood

Address, MLS# or Keyword

Location Search Nearby

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

School District

Address, MLS# or Keyword

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Location Search Nearby

Lot SizeAny1+ Acres2+ Acres3+ Acres4+ Acres5+ Acres6+ Acres7+ Acres8+ Acres9+ Acres10+ Acres20+ Acres30+ Acres40+ Acres50+ Acres

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Address, MLS# or Keyword

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

View As: Thumbnails List

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

28275 N 168th Avenue Surprise, AZ 85387

$750,000

4 Beds

2 Baths

2,280 SqFt

Status Active

MLS # 6662260

Property Type Manufactured Home

Price Type --

Welcome to your ideal equestrian/winter retreat nestled on nearly 5 acres of pristine land. The heart of this home is the expansive kitchen, perfect for whipping up delicious meals for family & friends,Adjacent to the kitchen is a separate dining room, providing a cozy space for gatherings, fully furnished accommodating up to 10 people, the bedrooms offer a range of sleeping arrangements, including a queen bed in BR #1, 2 twin beds in BR #2, another queen bed in BR #3, and a full bed plus 2 twin beds in BR #4. horse enthusiasts, this property is a dream come true with facilities for up to 20 horses, including 12 pens with automatic waterers The horse pens are designed for flexibility, with various sizes available, including 5 covered pens measuring 12x40, 2 covered pens measuring 20x40

View Property

31712 N 169th Avenue Surprise, AZ 85387

$750,000

4 Beds

2.5 Baths

2,800 SqFt

Status Active

MLS # 6669534

Property Type Single Family Residence

Price Type --

Brand new property that encapsulates luxury and functionality. This stunning residence boasts 4 bedrooms and 2.5 bathrooms, accompanied by a versatile Hobby Room. Expanding over 2800 SqFt, this home harmoniously blends spaciousness with coziness. With a 2 Car Garage and an additional 43ft RV Garage, set on a sprawling 1.1-acre lot, this property is a haven for practicality and adventure. Step inside to discover the timeless allure of wood plank tile flooring, complemented by quartz counters and elegant white shaker cabinets. The thoughtfully designed Jack and Jill bathroom enhances convenience and privacy. Nestled in a prime location, this home is nearby brand new Fry's Marketplace, Starbucks, Barro's Pizza, Jersey Mike's, and more!

View Property

31730 N 169th Avenue Surprise, AZ 85387

$750,000

4 Beds

2.5 Baths

2,800 SqFt

Status Active

MLS # 6717678

Property Type Single Family Residence

Price Type --

Brand new property that encapsulates luxury and functionality. This stunning residence boasts 4 bedrooms and 2.5 bathrooms, accompanied by a versatile Hobby Room. Expanding over 2800 SqFt, this home harmoniously blends spaciousness with coziness. With a 2 Car Garage and an additional 43ft RV Garage, set on a sprawling 1.13-acre lot, this property is a haven for practicality and adventure. Step inside to discover the timeless allure of vinyl plank flooring, complemented by quartz counters and elegant white shaker cabinets. The thoughtfully designed Jack and Jill bathroom enhances convenience and privacy. Nestled in a prime location, this home is nearby brand new Fry's Marketplace, Starbucks, Barro's Pizza, Jersey Mike's, and more!

View Property

4421 N 179th Drive Goodyear, AZ 85395

$750,000

5 Beds

3 Baths

3,469 SqFt

Status Active

MLS # 6722173

Property Type Single Family Residence

Price Type --

Single Level Pool and Spa Home with Swim-Up Bar and Outdoor Kitchen and 3 Car Garage! This single-level property offers the ultimate in outdoor living and entertaining. Featuring a luxurious pool and spa, you can relax and unwind in style. While the interior needs some TLC, it presents a fantastic opportunity to customize the home to your taste and preferences. Whether you are looking to make minor updates or complete a full renovation, this home is a blank canvas waiting for your personal touch. The unique swim-up bar and sunken covered outdoor kitchen with a seating area create a resort-like atmosphere right in your backyard. The exterior boasts extensive travertine hardscaped flooring and low-maintenance artificial grass, ensuring your yard remains beautiful all year round.

View Property

6419 N 75th Avenue Glendale, AZ 85303

$750,000

3 Beds

2 Baths

2,701 SqFt

Status Active

MLS # 6730269

Property Type Single Family Residence

Price Type --

This home sits on over 21,000 square foot lot and is a unique single-story home with lots of potential. Two brick fireplaces and country galley kitchen. Unique home built from block construction offers an Arizona room and much more.

View Property

140 W University Drive Mesa, AZ 85201

$750,000

9 Beds

2 Baths

2,738 SqFt

Status Active

MLS # 6732483

Property Type Single Family Residence

Price Type --

Discover the perfect investment opportunity with this established care facility. This property is thoughtfully designed to provide a comfortable and safe environment for its residents. Each senior enjoys the privacy of their own room, complemented by spacious community areas for dining and living. The bathrooms are fully handicap accessible, ensuring ease of use for all. Outside, a large, beautifully landscaped yard offers a serene setting for relaxation and outdoor activities. Located in a highly desirable area, this facility combines convenience with excellent amenities. Don't miss out on this exceptional investment chance! Long term tenant in place with 5 years remaining on lease. Access to be provided during due diligence period.

View Property

15819 W Silver Breeze Drive Surprise, AZ 85374

$750,000

3 Beds

2.5 Baths

2,959 SqFt

Status Active

MLS # 6738465

Property Type Single Family Residence

Price Type --

UPGRADED BRIARWOOD SERIES HOME in GRAND! Tuscan elevation w/ stone accents provides great curb appeal. Upgrades & interior touches for this home including: Gorgeous ceilings in the living/dining room & Master Suite with coffered ceilings, crown molding & special lighting touches, Plantation shutters throughout, French doors at Den / 3rd Bedroom, Granite counters in kitchen, custom Cherry media center w/ gas fireplace, Powder half bath, private guest suite & updated shower, skylights, central vac, cabinets & sink in utility room plus water softener. Luxurious Main Suite - dual closets, glass block snail shower, dual sinks, soaking tub & more. Approx $115K in upgrades! Gas BBQ Stub & Covered Patio! NEW ROOF completed 10/24 w/ 20yr warranty! Freshly painted ext. trim. Live the GRAND LIFE!

View Property

3760 W Roberts Road San Tan Valley, AZ 85144

$750,000

4 Beds

3 Baths

2,543 SqFt

Status Active

MLS # 6746029

Property Type Single Family Residence

Price Type --

Semi custom home in Queen Creek located on a one acre premium lot with mountain views...at an unbelievable price. Looking for extra garage space...this home features TWO SEPARATE, 2-car garages!!! GUEST CASITA features a private exterior entrance and offers a spacious bedroom and bathroom suite...perfect for multi family situations or rental revenue. NEW 2023 A/C features 3 zone efficiency providing extra savings throughout the year. Room for everyone with a total of 4 bedrooms PLUS a private office which could be a 5th bedroom option. Prepare to fall in love with the dream kitchen, wood like tile floors and a HUGE master closet that will knock your socks off. Backyard retreat is completely fenced and features a built in fire pit area, ramada covered pool table area, cozy swing area, and a 24x12 storage shed which could be used as a workshop. Expansive yard is perfect for a pool, ideal playground retreat, garden or anything you can imagine! RV gate - this is a property where you can actually park your RV. Low HOA of only $92 per month grants you access to San Tan Heights community amenities including a workout room, adult swim and children's play pool areas, parks, walking trails, basketball, volleyball, meeting rooms and event facilities. Close to San Tan Regional Park, golfing, health care facilities and all the new shopping and entertainment venues in the San Tan Valley and Queen Creek area. Don't miss this rare opportunity on a one of a kind property!

View Property

30813 N 164th Drive Surprise, AZ 85387

$750,000

4 Beds

3 Baths

2,772 SqFt

Status Active

MLS # 6755321

Property Type Single Family Residence

Price Type --

WOW! Your dream home is here! Discover luxury and efficiency on a sprawling 1.2-acre lot, boasting a 4-car garage, additional carport, and vast space for your recreational vehicles. Step inside to a warm, inviting interior illuminated by recessed lighting, with durable tile flooring and a striking stone-accented fireplace in the bright great room. Entertain in style in the formal dining area or in the spacious kitchen, which features rich chocolate-stained cabinets, sleek granite counters, high-quality stainless steel appliances, and a generous center island with a breakfast bar. The expansive main suite offers a serene retreat, complete with a sitting area, direct backyard access, and a luxe private bathroom equipped with dual sinks, a soaking tub, and a walk-in closet... Functionalities include a laundry room with built-in cabinets and a utility sink. Outside, the full-length covered patio is perfect for enjoying scenic mountain views and envisioning future backyard transformations. This gem is truly a rare find! Come and experience it for yourself!

View Property

844 E Desert Drive Globe, AZ 85501

$750,000

4 Beds

4 Baths

2,771 SqFt

Status Active

MLS # 6752939

Property Type Single Family Residence

Price Type --

Welcome to your dream home! This beautifully designed 4bd/4ba custom home offers the perfect blend of luxury, comfort, and convenience. The main home has 3 nice sized bedrooms, and 3 spa-like bathrooms. There is a separate guest suite with its own entrance off the rear patio, that has been used as an Air BnB. Every detail of this home has been thoughtfully designed with high-end finishes, including tile floors, beehive gas fireplace, custom cabinetry, and a whole house backup generator. The spacious kitchen features newer premium appliances, tons of counter space, 2 wine refrigerators, and plenty of storage space. The owner's suite has his & her separate bathrooms and 2 walk-in closets. There is a separate 450 sq ft detached flex space, currently used as a gym. This home has it all.

View Property

6974 S Hohokam Place Gold Canyon, AZ 85118

$750,000

3 Beds

2 Baths

2,380 SqFt

Status Active

MLS # 6758006

Property Type Single Family Residence

Price Type --

Nestled in a private cul-de-sac on a sprawling .4 acre lot, this highly upgraded custom home offers a true entertainer's paradise with breathtaking views of the Superstition Mountains and protected open desert behind. Experience luxury with a self-cleaning pool, cozy fire pit, and multiple covered seating areas in the vast backyard. The thoughtfully designed split floor plan features 3 bedrooms plus a den and 2 exquisitely remodeled bathrooms. Travertine and plank wood flooring flow throughout the home. The gourmet kitchen boasts beautiful slab granite counters, high-end appliances and opening to the dining and family room for seamless entertaining. The master suite is a retreat with a custom walk-in shower, striking copper tub, bespoke vanity, two closets, and a stylish

View Property

14424 N San Carlos Drive Fountain Hills, AZ 85268

$750,000

4 Beds

2 Baths

2,296 SqFt

Status Active

MLS # 6756586

Property Type Single Family Residence

Price Type --

You don't want to miss this 4-bedroom gem! It greets you with a 2-car garage and an RV gate/parking. Inside, you'll feel at home with inviting features such as plantation shutters, vaulted ceilings, carpet & tile floors, and a sizable living/dining room with wall niches and a gas fireplace. Cook delightful meals in the quaint kitchen, boasting SS appliances, a plethora of wood cabinets, ample counters, and a serving window with a breakfast bar. Unwind in the sizable main suite showcasing a sitting area, direct backyard access, and a private bathroom with dual sinks and a soaking tub. Enjoy serene afternoons in the backyard with a covered patio, paver patio, and ample space for a pool! Make it yours now!

View Property