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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22851 W Mark Lane Wittmann, AZ 85361

$750,000

5 Beds

3 Baths

3,155 SqFt

Status Active

MLS # 6765023

Property Type Single Family Residence

Price Type --

This stunning corner lot property offers 2 master suites in a slit floorplan perfect for hosting guests, or use as game room! 5 spacious bedrooms and a home office for today's needs. The gourmet kitchen features upgraded cabinets and ample counter space. Enjoy your private oasis with a heated pool/spa on the 1.1-acre fenced private lot and County approved plans for a 30x30 detached garage. Easy RV access with a straight pull-in driveway, and 3-car garage. NEW top of the line variable speed HVAC system! Peace away from the city and gorgeous mountain views complete this move-in-ready home.

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5389 S Scott Place Chandler, AZ 85249

$750,000

5 Beds

3.5 Baths

4,015 SqFt

Status Active

MLS # 6767100

Property Type Single Family Residence

Price Type --

Offering an impressive 5 bedrooms, 3.5 baths, 2 living rooms 3 car garage, RV Gate & so much more! This remarkable property features TWO MASTER SUITES, one conveniently located on the main floor and the other upstairs—providing flexibility and comfort for all family members. The expansive loft area is truly a standout feature, providing ample space for relaxation or entertainment. Each generously sized bedroom is complemented by walk-in closets, ensuring that storage is never a concern. The well-appointed laundry room includes a large pantry, adding to the home's functionality. an incredible opportunity for those seeking a spacious and versatile living environment, all at a competitive price.

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9025 N 86th Place Scottsdale, AZ 85258

$750,000

2 Beds

2 Baths

1,785 SqFt

Status Active

MLS # 6768304

Property Type Townhouse

Price Type --

*Photos coming soon* Light-filled Scottsdale townhome in desirable Sands McCormick Ranch awaits! This remodeled gem boasts 2 en-suite bedrooms with walk-in closets, vinyl flooring, and a custom bookshelf. Enjoy the eat-in kitchen, laundry room, and 2-car garage. Relax on the gated front patio or covered back patio. A detached A/C studio offers versatile space. Community amenities include a pool, tennis, and pickleball. Prime location with mountain views and easy access to shopping and dining.

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17663 W Straight Arrow Lane Surprise, AZ 85387

$750,000

4 Beds

3.5 Baths

2,977 SqFt

Status Active

MLS # 6770562

Property Type Single Family Residence

Price Type --

Brand new and stunning build completed in 2022! This stunning 2 story Pearce Plan offers 4 bedrooms, including a mini-master suite room, Study and 3.5 baths. A 2 car garage and 49' air conditioned RV Garage. The gourmet kitchen boasts of a ''36'' Gas cook top, Stainless Steel ovens and microwave, matching appliances and Quartz countertops. Backyard is a clean slate!

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4222 E Edgewood Avenue Mesa, AZ 85206

$750,000

3 Beds

2 Baths

1,553 SqFt

Status Active

MLS # 6769515

Property Type Single Family Residence

Price Type --

Welcome to 4222 E Edgewood Ave, a beautifully maintained 3-bedroom, 2-bathroom home nestled in one of Mesa's most desirable areas. This property sits on an expansive lot, offering ample space for all your outdoor needs. The home exudes charm and warmth, with spacious living areas and well-appointed features throughout. A standout feature of this property is the giant 40x70 workshop, perfect for anyone in need of extra space for projects, storage, or hobbies. The location is ideal, providing a peaceful setting while still being conveniently close to everything Mesa has to offer. This is a rare opportunity to own a piece of serenity in a prime location. Car lifts do not come with the property but may be negotiated.

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3855 E Shannon Street Gilbert, AZ 85295

$750,000

4 Beds

3.5 Baths

3,352 SqFt

Status Active

MLS # 6777150

Property Type Single Family Residence

Price Type --

Beautiful Highly Upgraded home. Open Great Room floorplan with large dining, family room and kitchen nook. Oversized Waterfall Quartz Island Counter in kitchen with upgraded cabinetry, stainless appliances, gas cooktop with Chef Hood. Plank Tile Flooring throughout the first floor. Backyard with brick pavers, covered patio and green grass to enjoy. Master bedroom with separate Walkin shower, dual vanities, soaking tub and large Walkin closet. Large Loft area upstairs as a secondary family room with 3.5 baths and 4 full bedrooms. Custom lighting, window coverings and draperies throughout. Split 3 Car Garage with paver driveway. Beautiful Custom Iron Front door. Newer Subdivision in the heart of South Gilbert with plenty of shopping restaurants, schools and freeways nearby. This home is move in ready.

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2110 S Portland Avenue Gilbert, AZ 85295

$750,000

4 Beds

2.5 Baths

2,667 SqFt

Status Active

MLS # 6774251

Property Type Single Family Residence

Price Type --

Stunning Home in a Quiet, Secluded Neighborhood. This impressive residence sits on a spacious 10,554 sqft lot, offering a fantastic location just a short walk from San Tan Mall and a variety of amazing restaurants. Step inside to discover a terrific open floor plan, featuring a dramatic entryway and a beautiful mission-style staircase that wraps around the upper level. The master suite is conveniently located downstairs, while all other bedrooms are upstairs, along with a generous loft area. Each bedroom is well-sized, and the large laundry room adds to the convenience. The eat-in kitchen and upgraded flooring enhance the home's appeal, while the 3-car garage provides ample storage. Enjoy the privacy of having no neighbors to the south or behind you! SEE MORE... The backyard oasis features lush artificial grass and a sparkling pool, all beautifully designed with plenty of pavers. Plus, there's an RV gate and parking behind the gate. Your buyers will fall in love with this exceptional home!

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2718 E Bighorn Avenue Phoenix, AZ 85048

$750,000

5 Beds

3 Baths

3,254 SqFt

Status Active

MLS # 6771881

Property Type Single Family Residence

Price Type --

Welcome to your dream home in Mountain Park Ranch! This fantastic 5 bed, 3 bath tri-level gem is now available. With a charming brick veneer facade, artificial turf front yard, and a 3-car garage, this home has it all. Enjoy the cozy front patio and step inside to find a living area with vaulted ceilings and a bay window, plus a formal dining room perfect for gatherings. The family room features a dry bar for entertaining. The kitchen is a chef's delight with painted cabinetry, tile counters, a pantry, stainless steel appliances, and an island with a breakfast bar. The primary bedroom offers a walk-in closet and a full ensuite with dual sinks. Plus, enjoy the perks of a water softener, reverse osmosis, and a smart home alarm system—all included. Don't miss this opportunity! Also including a large backyard w/a covered patio, this home is simply a dream come true! Act now before it's gone!

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1644 Rupe Tank Road Williams, AZ 86046

$750,000

1 Bed

1 Bath

600 SqFt

Status Active

MLS # 6772902

Property Type Single Family Residence

Price Type --

Escape to your own secluded 10-acre homestead nestled in the heart of the woods just outside of Williams, AZ! Turn off the main forest road to drive another 1.5 miles past the gate on a well maintained private dirt road reaching your peaceful retreat to enjoy the serenity of forest life. Your property is a mix of an open meadow (fenced 3.5 acre horse run) and mature trees, providing privacy and abundant wildlife sightings. Use the onsite sawmill, welder, forklift, excavator and huge workshop to build your dream home, or enjoy the existing rustic cabin. Clear the winter snow with your provided snowcat or heavy duty truck and snowplow. Enjoy off-grid living at its finest with solar power and batteries to provide ample electricity, while being only 25 minutes to Williams or within 40 minutes to Flagstaff. This is your chance to create a nature-filled sanctuary away from the hustle and bustle. Please review the details in documents tab and pictures.

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9433 E Rocky Lake Drive Sun Lakes, AZ 85248

$750,000

4 Beds

3.5 Baths

3,166 SqFt

Status Active

MLS # 6774764

Property Type Single Family Residence

Price Type --

Wow. What a great opportunity to live in beautiful Oakwood Country Club on a corner lot. This beautiful home comes with TWO gorgeous master suites downstairs. Both have walk in showers, separate soaking bathtubs, twin sinks, and private toilet area. The bright, large, eat-in kitchen allows meals to be prepared while being involved with activities in the family room. A separate office is just off the front foyer. Upstairs has two more bedrooms and another full bath. Vaulted ceilings with sky lights bring amazing, natural light into the foyer. If outdoor living is a priority, this home has a large covered patio with custom-made solar shades that drop down and snap into the stucco columns to provide privacy and protection against the sun. Furnishings are included to make this turn key.

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8310 E Indian School Road Scottsdale, AZ 85251

$750,000

3 Beds

2 Baths

1,724 SqFt

Status Active Under Contract

MLS # 6771544

Property Type Single Family Residence

Price Type --

This beautifully renovated home offers a seamless blend of luxury, relaxation, and community charm. The backyard is a true showstopper—completely transformed in 2023, it features a sparkling pool, lush landscaping, and a covered patio. Step inside, and you'll find that every detail has been thoughtfully curated, from the serene steam shower and oversized soaking tub in the primary bathroom to the fresh paint and updated features throughout the home. The home is flooded with natural light, and 8-foot privacy walls in the backyard offer a sense of seclusion and tranquility, perfect for entertaining or simply spending time with family. Recent updates include fresh landscaping in both the front and back, new appliances, and updated fixtures, making this home truly move-in ready. Beyond the home, the vibrant neighborhood is full of life and community spirit. Enjoy a short walk to Chestnutt and Indian School parks, or take a 5-minute Uber to Old Town Scottsdale for dining, shopping, and nightlife. With regular neighborhood events, from movie nights in the park to the annual Halloween block party, you'll quickly feel at home in this close-knit community. With quick access to Scottsdale's greenbelt, local coffee shops, fitness studios, and some of the city's best restaurants, this location is unbeatable. Don't miss your chance to own this stunning retreat in one of Scottsdale's most desirable areas!

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19372 N Coronado Ridge Drive Surprise, AZ 85387

$750,000

3 Beds

2 Baths

2,014 SqFt

Status Active

MLS # 6774017

Property Type Single Family Residence

Price Type --

Location, location! One of the BEST lots in The Grand, this 3-bed, 2-bath extended Borgata model overlooks the endless green of the 7th, 8th, & 11th holes of Cimarron Golf Course. In addition, the double fairway view looks on to the wonderful White Tank Mountains that are looking back with differing scenes all day long. The sunsets will make you swoon! Meticulously designed interior features a highly updated gourmet kitchen with stainless appliances, double ovens, cabinets that extend to the ceiling, accent lighting, and granite counters. Main retreat showcases a lovely bay window, plush carpet, an ensuite with dual sinks, a brand new walk-in shower, and large walk-in closet. Enjoy watching the sunset from the serene backyard equipped with a large covered patio and a retractable awning.

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