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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1117 E State Avenue Phoenix, AZ 85020

New

$750,000

3 Beds

2 Baths

1,884 SqFt

Status Active

MLS # 6784162

Property Type Single Family Residence

Price Type --

Sometimes the perfect home comes on the market when you least expect it! Perfectly situated w/in Madison School district this updated home offers a fantastic floor plan, gorgeous kitchen, modernized bathrooms, 2 large patios plus a spacious 2 car garage. The kitchen was designed by Leigh Kohrs & is amazing w/ custom cabinets, quartz counters, designer tile & the coolest banquette. Off the kitchen is a great place for a living room & then use the family room in the back as a media room or kids hangout. Huge primary bedroom w/ large walk in closet & beautifully updated bathroom w/ double sinks plus a vanity. All bedrooms have walk-in closets. The south facing backyard is a dream w/ lush landscaping, a 250 sq. ft. covered patio w/ speakers, recessed lights & built-in BBQ. Great neighborhood! This home was extensively remodeled in 2016 by the previous owners. The remodel included the expansion of the primary bedroom and bathroom, adding the family room, converting the carport to a garage and adding the patio. The kitchen was completely remodeled in 2018 and is timeless and the perfect place to cook and entertain.

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14129 E Barbie Lane Scottsdale, AZ 85262

New

$750,000

3 Beds

2 Baths

2,435 SqFt

Status Active

MLS # 6782963

Property Type Single Family Residence

Price Type --

North Scottsdale living! Horses, toys, privacy,and SPACE! Nestled on an oversized 1 acre lot and featuring a natural desert landscape, 2 car garage, and paver walkway! Inside you will find spacious dining & living areas w/concrete floors, high ceilings, an entertainment niche, a warm fireplace, and neutral palette throughout. Hone your cooking skills in this gourmet kitchen, comprised of wood cabinetry w/crown molding, a pantry, quartz counters, built-in appliances, pendant lighting, a breakfast nook, and a peninsula complete w/a breakfast bar. The primary bedroom showcases private outdoor access, a walk-in closet, and a lavish ensuite w/dual sinks & a garden tub. French doors open up to a cozy den perfect for an office! Backyard is amazing for entertaining and families. Must see home! Lastly, the expansive backyard includes a covered patio, a sparkling blue pool, and a pen for horses! Don't wait any longer, act now!

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18134 E Happy Road Queen Creek, AZ 85142

New

$750,000

3 Beds

2 Baths

2,106 SqFt

Status Active

MLS # 6783922

Property Type Single Family Residence

Price Type --

Over an acre irrigated lot with views of Santan mountains in a county island fully fenced and no HOA. Highly upgraded 2106 sqft with 3 bedroom, 2 bath, 2 car garage, and corral. New roof, windows, doors, flooring, tankless water heater and appliances within the last 5 years. Plenty of room for your RV, boat and all your toys. Schools are Chandler School District.

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873 W Aster Drive Chandler, AZ 85248

$750,000

5 Beds

3 Baths

3,076 SqFt

Status Active

MLS # 6753487

Property Type Single Family Residence

Price Type --

Welcome to this beautifully updated and immaculately maintained 5-bedroom, 3-bath home in the sought-after master-planned community of Ocotillo! This home boasts an ideal spacious, open and bright floor plan with a convenient bedroom and full bathroom located downstairs. The roof was newly replaced in 2024, and the exterior of the home was freshly painted in 2023. The kitchen is perfect for entertaining, featuring granite counters, refinished cabinets, a large island with a breakfast bar, walk-in panty, double ovens, newer sliding glass door to the patio, 2024 microwave, a 5-stage RO filter for the kitchen sink and 2021 GE French door refrigerator. In 2024, much of the interior was repainted, newer nickel door and hinge hardware were installed throughout, and ceiling fans with lights and remotes were added to all bedrooms. The primary bedroom is generously sized with a huge walk-in closet. All bathrooms upstairs were updated in 2022. The home also includes a 2022 gas water heater and a 2-stage kinetic whole house filter and softener. Step outside to the backyard oasis, complete with a custom outdoor kitchen featuring a gas built-in BBQ, sink and side burner, a sparkling pebble tech pool with newer variable speed pool pump, a grassy area, pavers, a garden and ample space for entertaining. Living in Ocotillo offers access to beautiful lakes, walking and bike riding paths, children's play areas, low HOA fees, pickleball, tennis, basketball courts and the stunning Ocotillo Golf Club! With highly rated Chandler schools and a prime location near freeways, shopping, restaurants and more, this home truly offers it all!

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8619 E El Charro Lane Scottsdale, AZ 85250

$750,000

3 Beds

2 Baths

1,522 SqFt

Status Active

MLS # 6640705

Property Type Single Family Residence

Price Type --

NO HOA, heated gas pool, selling FULLY FURNISHED; this 3 bed, 2 bath residence now on the market is just for you! Discover an elegant living area and formal dining room featuring wood-look flooring, plantation shutters, modern light fixtures, a cozy fireplace, and crisp palette throughout. The gorgeous kitchen, just off the cozy family room, boasts ample white canbinetry, quartz counters, mosaic tile backsplash, stainless steel appliances, and a lovely breakfast bar. Also including a charming backyard with a covered patio, grassy area, and a gas heated pool, this home is truly a dream come true! Don't miss out! This is currently an active Short term rental, with two years rental history averaging 65k/year.

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2571 N Acacia Way Buckeye, AZ 85396

$750,000

4 Beds

2.5 Baths

2,999 SqFt

Status Active

MLS # 6655000

Property Type Single Family Residence

Price Type --

Hot on the market! Welcome home to this stunning Verrado beauty with all the amenities! At 3000 sq ft there is room for all your hobbies, family & guests. Gorgeous courtyard w/ gated entry, durable wood laminate flooring throughout. 4 bedrooms, 2.5 bath, 3 car garage & fenced play pool w/spa! Abundant light throughout. As you enter take note of the pocket sliding doors to either your office or exercise room, the gorgeous dining room & two bedrooms at the front of the home. Take in the spacious living room, open kitchen & dining area. Sliding glass doors to your dream backyard. Owners suite, additional bedroom, laundry & garage access on the north end. Owners suite complete with private backyard access, gorgeous ensuite & large walk in closet. Welcome Home!

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6251 S Moccasin Trail Gilbert, AZ 85298

$750,000

5 Beds

3.5 Baths

3,090 SqFt

Status Active

MLS # 6748513

Property Type Single Family Residence

Price Type --

Comfortable family sized 2 story, 5-bedroom, 3.5-bathroom home boasts approximately 3,090 square feet. High ceilings in living and dining room space; Tile throughout the main floor areas. Gourmet kitchen features stainless steel appliances; granite countertops; and a walk-in pantry. Downstairs bedroom with attached full bath. The second level features a large primary bedroom; 3 other bedrooms; Loft; and laundry room. 3-car garage with extra space on the side for storage/shelving. Outdoor features such as an expansive covered patio area; and a newly remodeled and resurfaced pool. Add solar with confidence as a complete reroof done in 2024.

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15802 N 71st Street Unit 210 Scottsdale, AZ 85254

$750,000

2 Beds

2.5 Baths

1,432 SqFt

Status Active

MLS # 6684574

Property Type Apartment

Price Type --

Located in the prestigious Landmark Community of Scottsdale, this contemporary remodeled 2-bed, 2.5-bath condo offers a luxurious and convenient lifestyle. With its spacious 1432 square feet of open living space, high-quality finishes, generous-sized bedrooms with walk-in closets, and ensuite spa-like bathrooms this unit perfectly balances space and style. Steps away is Kierland Commons and Scottsdale Quarter, which offers world-class dining, shopping, and entertainment. Landmark offers a 24-hour guard gated entrance, resort-style heated pool, and spa, fitness center with locker rooms, steam room, business center, and on-site concierge.Immerse yourself with resort-style living in the heart of Kierland. This fabulous getaway is ideal as a primary resident or as a perfect lock and leave.

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5951 E Sienna Bouquet Place Cave Creek, AZ 85331

$750,000

3 Beds

2 Baths

1,938 SqFt

Status Active

MLS # 6689729

Property Type Single Family Residence

Price Type --

Picture perfect and serene home! The arroyo behind the house adds a touch of natural beauty and tranquility, while the large primary suite offers a comfortable retreat. The open and bright living space, along with high ceilings, creates an inviting atmosphere for gatherings and relaxation. Being in a gated community adds a sense of security and exclusivity. With 1938 sq ft, there's plenty of room to spread out and enjoy the space. And the fire pit in the backyard is the perfect spot for cozy evenings under the stars. Gently lived in and ready for new owners. Community parks and playground for walks and enjoyment. The lowest priced home in Lone Mountain!

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30224 N 170th Street Rio Verde, AZ 85263

$750,000

2 Beds

2.5 Baths

2,179 SqFt

Status Active

MLS # 6700763

Property Type Single Family Residence

Price Type --

Inclusive of 2 parcels for a total of 4.37 acres. Come experience endless panoramic 360-degree mountain views from every window of this unique home. It seamlessly combines quaint charm with modern amenities, boasting an open floor plan flooded with natural light upstairs. The lower level features a potential private living quarters for guests' or a flex space/game room and 3rd bedroom. Custom-built, this home is well insulated, has window coverings throughout, and a pre-built elevator shaft already in place. With 4.37 acres at your disposal, there's ample room for a garage, guest house, or horse setup. Just a short distance on a dirt road, bring your toys or horses and enjoy!

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4020 N Scottsdale Road Unit 3007 Scottsdale, AZ 85251

$750,000

1 Bed

1 Bath

1,191 SqFt

Status Active

MLS # 6701771

Property Type Apartment

Price Type --

Tucked in Old Town Scottsdale, this condo epitomizes urban living. Stroll to vibrant shops and dining. Inside, enjoy NYC-inspired vibes with floor-to-ceiling windows and modern updates. Unique features include exposed ductwork and high ceilings. Savor dual balconies with city views. The private rooftop sun deck offers stunning 360-degree vistas, including breathtaking sights of Camelback Mountain. With underground parking for convenience and security, this condo offers not just a home, but a lifestyle—blending luxury, convenience, and city energy seamlessly.

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2372 W Binner Drive Chandler, AZ 85224

$750,000

4 Beds

2.5 Baths

3,321 SqFt

Status Active

MLS # 6709961

Property Type Single Family Residence

Price Type --

Welcome to luxurious and convenient living in Chandler! This exceptional 4-bed home presents a unique opportunity to embrace a tranquil suburban lifestyle all while being within walking distance to some of the best restaurants and shopping at Chandler Fashion Square Mall. Minutes from Intel, PayPal, and businesses in the Price Corridor, this home is situated in a highly sought-after neighborhood, in a top-rated school district, and exudes charm and sophistication at every turn. The spacious and thoughtfully designed floor plan boasts a formal front living and dining area, a kitchen that opens to the family room, office/den and half bath downstairs. Travel up the wide staircase and you will find a loft with 3 large bedrooms and the large master retreat. Outdoor area includes covered patio

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