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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19435 N 62nd Avenue Glendale, AZ 85308

$750,000

4 Beds

3.5 Baths

3,458 SqFt

Status Active

MLS # 6775812

Property Type Single Family Residence

Price Type --

Welcome to your dream home—an oasis of comfort and style on a corner lot with stunning desert landscaping and an expansive driveway that leads to a 3-car garage. This stunning 3,458sqft residence offers 4-bedroom, 3.5-bath with an open floor plan that's perfect for everyday living and entertaining. A family room and formal dining area provide a welcoming entrance, while the main large living space features a custom-built office nook. Natural light fills the home thanks to its many windows, creating a bright and airy atmosphere. The expansive kitchen is a chef's dream, complete with a large island, ample cabinetry, and an eat-in dining area that overlooks the resort-like backyard. Enjoy the indoor-outdoor flow with sliding glass doors that lead to your own private oasis—featuring a sparkling pool, extended covered patio, and lush grassy area, ideal for outdoor dining, relaxing, or play. Upstairs, a versatile loft awaits, perfect for a media room, office, or game space. The primary suite offers a retreat of its own, with breathtaking mountain views, a spa-like bathroom with dual vanities, a separate soaking tub, and an oversized closet that provides abundant storage space. Nestled in the coveted Highlands at Arrowhead Ranch, this home provides access to scenic walking paths, parks, playgrounds, and greenbelts. Enjoy outdoor activities with Thunderbird Park's hiking trails and several golf courses nearby such as Legends & Arrowhead, Arrowhead Country Club is just moments away plus offers tennis, workout facilities, indoor/outdoor pool, dining & much more! Foothills Recreation & Aquatics Center is also just a mile away & has a ton to offer! Shopping, dining, and entertainment options are just minutes away, including Arrowhead Towne Center with nearby healthcare facilities. Whether you're looking for luxury, convenience, or an active lifestyle, this home has it all!

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13611 W Merrell Street Avondale, AZ 85392

$750,000

5 Beds

3 Baths

3,626 SqFt

Status Active

MLS # 6775037

Property Type Single Family Residence

Price Type --

Fulton Estates luxury home has been customized into a palatial showplace!Bring buyers who want the very best!Whole home has lg porcelain tile,no carpet. Fm rm w/ speakers+ built in custom entertainment center, custom ornamental security gates all doors, custom window treatments through out, extensive custom tile all 3 baths,granite counters+custom tile backsplash in kitchen with highest quality appliances, washer,dryer,refrigerator included,low care,lush landscaping in yards,full length covered patio, built in outside kitchen, + oversized pool.One story behind the home.This 5/3 has bd and 3/4 bath down.In addition to lvrm and fmrm has flexable loft living space upstairs.Fans, tile,+ tons of closet space all rooms.Hundreds of thousands in upgrades! Private school 4 doors away. 10++!

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2718 E Altadena Avenue Phoenix, AZ 85028

$750,000

3 Beds

2 Baths

2,156 SqFt

Status Active

MLS # 6775912

Property Type Single Family Residence

Price Type --

Location Location Location. Beautiful property with split floor plan in charming neighborhood! The formal living and dining rooms welcome you into this spectacular home. The large family room features a woodburning beehive fireplace, sliding glass door to large covered patio and is open to spacious kitchen. The kitchen has plenty of storage, a breakfast bar and separate dining area. Large primary bedroom has a step down sitting area, separate exit to yard, two walk in closets and large master bath with double sinks, garden tub and separate shower. RV gate provides access to store your toys while West side of yard provides garden area and large shed. Minutes from schools, shopping, restaurants and freeway. It is truly a lovely home just waiting for a new owner!

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40458 N Prince Avenue San Tan Valley, AZ 85140

$750,000

1 Bed

1 Bath

1 SqFt

Status Active

MLS # 6777806

Property Type Manufactured Home

Price Type --

This is an ideal lot for sale with 3.5 acres! A great place to build your dream house in Country Mini Farms. Great horse property plus rural area charm and all the San Tan Valley has to offer. There is a Mobile home on the lot. No access to the mobile home. It should be treated as a tear down.

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1624 W Ashley Way Flagstaff, AZ 86005

$750,000

3 Beds

2 Baths

1,667 SqFt

Status Active

MLS # 6779035

Property Type Single Family Residence

Price Type --

Don't miss this renovated 3 Bedroom Home in University Heights with 2 bathrooms and 1,667 square feet. The light filled modern kitchen showcases stylish updates , stainless steel appliances, quartz counter tops, and sleek cabinetry. Throughout the home you'll find updated flooring, refreshed bathroom vanities, adding a contemporary touch. Enjoy the spacious backyard, perfect for entertaining with a fire pit and a hot tub. Furnishings are available for purchase with a separate bill of sale, making this turn key and truly move-in ready!

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1132 W Pagoda Avenue Queen Creek, AZ 85140

$750,000

4 Beds

3 Baths

2,671 SqFt

Status Active

MLS # 6781113

Property Type Single Family Residence

Price Type --

The beautiful community of Ironwood Crossing has so much to offer, you won't want to miss this! With 2,671 sqft, this is your Pinterest home you've been looking for! With wood-look tile throughout all the common areas, decorative woodwork on the walls, neutral paint colors, and plenty of space...this home has been very well maintained. 4 bedrooms, 3 full bath and plus a den, with an open concept floor plan...this home feels bigger than it is, perfect for entraining. The kitchen offers gorgeous granite counters, white cabinets, tons of storage, and a gas cooktop. Enjoy cozy nights in the living room with the color changing fireplace, custom cutout wood work around the TV area, and modern fixtures throughout the entire home. The backyard was just done within the year!! Walk outside to the beautiful travertine that surrounds the pool and continues under a huge covered patio. It offers a quiet space with waterfalls off the pool, and an open green space directly behind home where some play frisbee golf. This home is situated on a lot that has one of the biggest backyards on this street! The pool was designed to be fenced in which can be easily added or removed. Artificial turf and professionally landscaped front and back yard...you can rest easy with this low maintenance yard. Come see it for yourself!

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135 E Betsy Lane Gilbert, AZ 85296

$750,000

5 Beds

3.5 Baths

3,185 SqFt

Status Active

MLS # 6778843

Property Type Single Family Residence

Price Type --

This stunning 5-bedroom, 3.5-bath residence boasts not one, but two primary suites, offering unmatched flexibility and comfort for multi-generational living or guests. Set on a spacious corner lot next to a park and a walking path behind this home. Inside, the layout is designed for both elegance and function, featuring expansive living areas, a well-appointed kitchen, and plenty of natural light. Step outside to your own private oasis—a sparkling pool perfect for cooling off on warm Arizona days. Located in a desirable, family-friendly neighborhood with easy access to shopping, dining, and excellent schools, this home combines convenience with luxury. Don't miss this rare opportunity to own a slice of paradise in Gilbert.

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3291 E Latham Way Gilbert, AZ 85297

$750,000

4 Beds

2 Baths

2,703 SqFt

Status Active

MLS # 6781488

Property Type Single Family Residence

Price Type --

You can look everywhere but you will not find a more cared for and well maintained home. Original owners since new in 2001. Nearly every moving part of this home has been updated since new, every surface is fresh and clean and ready for a new owner. 2,700SF all on one level on a quiet street in Coronado Ranch. 3 car garage with a tons of additional parking out front and a full size RV with plenty of additional room for vehicles or trailers. Wide open great room with an additional bonus/flex space. Walk in pantry and a huge laundry room + utility room, plenty of storage throughout the home as well. Easy freeway access, nearby dining and shopping at San Tan Mall and one of the most desirable communities in the South East Valley.

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6702 E Almeria Road Scottsdale, AZ 85257

$750,000

3 Beds

2 Baths

1,619 SqFt

Status Active

MLS # 6782195

Property Type Single Family Residence

Price Type --

Beautiful and classic 3 bedroom, 2 bathroom brick home, tucked into the center of a highly sought after Scottsdale neighborhood. This gorgeous home showcases a spacious living room, formal dining area, stunning updated bathrooms and a gorgeous backyard perfect for hosting. The backyard also includes a large storage shed, lots of turf for play and a spacious covered patio. Situated close to excelling public and private schools, parks, Old Town Scottsdale, and the 101 freeway, it's in a prime location for convenience and entertainment. $760,000 appraisal available for view in the documents tab.

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2931 N 8th Avenue Phoenix, AZ 85013

$750,000

4 Beds

3 Baths

1,896 SqFt

Status Active

MLS # 6782661

Property Type Single Family Residence

Price Type --

Experience the charm of this historic oasis in Central Phoenix, featuring a delightful main house with 3 bedrooms and 2 bathrooms, plus a detached 1-bedroom, 1-bath casita. This inviting property blends comfort and versatility, with spacious bedrooms bathed in natural light, updated bathrooms, and a cozy living room with large windows. The stylish kitchen boasts modern appliances, while the adjoining dining area is perfect for entertaining. Beautiful hardwood and tile floors add warmth throughout. Step outside to a resort-style backyard with an Altera cold & hot spa, ideal for relaxation and outdoor gatherings. The detached casita offers a private retreat, perfect for guests, in-laws, or rental income potential. A gated 3-car covered carport completes this remarkable home. Historical registration adds a touch of prestige to this one-of-a-kind property.

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6716 E Grandview Drive Scottsdale, AZ 85254

$750,000

3 Beds

2 Baths

1,708 SqFt

Status Active Under Contract

MLS # 6778183

Property Type Single Family Residence

Price Type --

Perfect Lock & Leave or Primary residence in Scottsdale's hottest zip code.This beautifully updated residence features a desirable split floor plan, wood-look LVP flooring throughout the main living areas & seamless flow between rooms. Updated kitchen is a chef's delight boasting stainless appliances & sleek quartz counters. Enjoy casual meals at the convenient breakfast bar, or entertain friends & family in the spacious dining area. Expansive master suite offers a peaceful retreat, complete with en-suite bath featuring a dual sink vanity & large tiled walk-in shower. There are two additional well appointed bedrooms. Step outside to the serene backyard featuring a shaded pergola & sparkling pebble tec heated pool. Walking distance to Kierland/Quarter for the BEST shopping & dining. Funiture & Jeep are available on separate bill of sale.

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511 School Street Jerome, AZ 86331

$750,000

3 Beds

3 Baths

1,736 SqFt

Status Active Under Contract

MLS # 6745290

Property Type Single Family Residence

Price Type --

Don't miss this opportunity, many possibilities! Zoned C-1 with CUP for residential use, custom built property completed in 2007. Priceless panoramic views of Sedona & the Four Peaks of Flagstaff located steps away from historic downtown Jerome. This turn key Airbnb offers three separate suites, live in one or rent the entire home. Downstairs features 2 separate en-suites. Upstairs has been beautifully remodeled with Porcelain wood plank tile floors throughout, newer appliances in kitchen, open and bright with lots of windows for views, new paint inside out and pavers. Master suite deck is the perfect place to watch the sunset. Enjoy nature in the lush backyard and 8 ft waterfall feature. Make this your home today! Other listing MLS 6745291

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