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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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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8710 N Prescott Ridge Road Prescott Valley, AZ 86315

$750,000

4 Beds

2 Baths

2,316 SqFt

Status Active

MLS # 6719299

Property Type Single Family Residence

Price Type --

Step into this beautifully updated home in Prescott Valley, where modern elegance blends seamlessly with comfort, creating a haven you'll never want to leave. Imagine waking up to breathtaking views right outside your front door, setting the perfect tone for each day. From the moment you walk in, be greeted by the gleaming new flooring that harmonizes perfectly with the fresh indoor and outdoor paint, flooding the home with natural light and a sense of openness. Relax in the spacious living room, complete with a cozy fireplace that sets the scene for intimate gatherings or quiet evenings in. Enhanced by the addition of brand-new quartz countertops in the kitchen, this home presents 4 full bedrooms, 2 bathrooms, all situated on a sprawling 6-acre plot of land. The two-car garage with an epoxied floor, offers not just functionality but a touch of luxury. With new toilets and other essential updates already taken care of, moving in and making this house your home is as easy as can be. Newly graded pad ready for your RV or Barn. Come see it before it's gone and experience the perfect blend of modern luxury and comfort in Prescott Valley!

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6604 S Kimberlee Way Chandler, AZ 85249

$750,000

4 Beds

2 Baths

2,844 SqFt

Status Active

MLS # 6729992

Property Type Single Family Residence

Price Type --

***Motivated Seller!!*** Welcome to your dream home! Nestled in a serene neighborhood in the prestigious Chandler Unified School District, this exquisite 4-bedroom, 2 bathroom single-level residence offers a perfect blend of comfort, style, and outdoor living. The home is move in ready with no interior steps, large ceramic tile and bamboo flooring throughout, no carpet. Energy efficiency has been prioritized in this home with upgraded plantation shutters and 90% sun blocking window screens. The kitchen features upgraded cabinetry, black granite countertops, stainless steel appliances, two islands and extended cabinetry along the wall. The split master suite features an extra large dual vanity with a luxury travertine and glass block snail shower, and a large, fully custom walk in closet. Sitting on a 10,000 sqft lot with mature trees and a 20K gallon salt water pebble tech pool, no details have been overlooked in this property! The pool has all new components including optical color changing lighting and mosaic tiling. Host your guests out back in your pool, or on the turf to play lawn games! Garden in the raised garden beds with the updated underground sprinker/drip system or have a nice evening fire out at the fire pit! Don't miss out!

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5226 W Pinnacle Vista Drive Phoenix, AZ 85083

$750,000

4 Beds

3.5 Baths

3,638 SqFt

Status Active

MLS # 6725224

Property Type Single Family Residence

Price Type --

MOTIVATED SELLER: PRICE REDUCTION****Your DREAM home awaits in Stetson Valley! This beautiful property offers 4 bedrooms + den, 3.5 baths, 3-car garage. Inside you will find a welcoming interior featuring a neutral palette & abundant natural light. Perfect for entertaining, it offers a formal living/dining room and a cozy family room with fireplace! The open-concept kitchen boasts quartz counters, staggered cabinetry, a pantry, center island, and SS appliances w/gas cooktop & 2 wall ovens. Spacious double-door den great for an office! Upstairs, you'll find a spacious loft along with large bedrooms. Primary bedroom has an ensuite with dual sinks, separate tub/shower, & a walk-in closet. Bedroom 2 has its own private bath. Can be a 2nd master or great guest room. Outside is an entertainers delight featuring a full length covered patio with mountain views, pavers, artificial turf and a sparkling heated pool and spa. Enjoy the surround sound in family room and patio. Newer Carpet/Paint 2023, backyard landscape updated 2023, newer water heater 2024. newer water softener 2024. Perfect family home!

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19619 N 69th Avenue Glendale, AZ 85308

$750,000

5 Beds

3 Baths

3,065 SqFt

Status Active

MLS # 6726139

Property Type Single Family Residence

Price Type --

ON GOLF COURSE W/POOL... DOCTORS/EMPLOYEES AT ARROWHEAD/PHX CHILDREN'S HOSP...WALK ONLY 3-4 BLOCKS TO/FM WORK. AMAZING 5 BR, 3 BA, HOME ON 12TH HOLE OF ARROWHEAD CC GOLF COURSE. PEBBLE-TEC, DIVING POOL & SPA.PLANTATION SHUTTERS, GRANITE COUNTER TOPS & BACK-SPLASHES, UPGRADED GE APPLIANCES, 18'' DIAGONAL TILE & WOOD FLOORING, DEEP DOUBLE SINK(2016),10 X 12 COVERED BALCONY OFF MBR, GROUND FLOOR COVERED PATIO ENTIRE LENGTH OF HOME W/BACKYARD BBQ & BAR AS WELL AS BUILT IN SEATING,CUSTOM WROUGHT IRON ARTWORK RAILING (ONE OF A KIND-$6000),DUAL PANE CUSTOM FRENCH DOORS TO BACK PATIO ($4000), FLOOR TO CEILING STUCCO FINISHED FIREPLACE W/MANTEL & HEARTH ELECTRIC),OUTDOOR LIGHTING,CAM LIGHTING ON ENTIRE BOTTOM FLOOR,TUSCAN CHANDELIERS, 3 CAR GARAGE,MIST SYSTEM, AUTO DRIP & WATER SYSTEM.

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15028 N 9th Street Phoenix, AZ 85022

$750,000

3 Beds

2 Baths

1,773 SqFt

Status Active

MLS # 6730661

Property Type Single Family Residence

Price Type --

Back ON THE MARKET. Buyers were unable to remove Contingency...3 bedroom +office...Awesome Moon Valley location...Remodeled in 2016.

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6715 N 15th Avenue Phoenix, AZ 85015

$750,000

4 Beds

2 Baths

2,501 SqFt

Status Active

MLS # 6731388

Property Type Single Family Residence

Price Type --

Welcome to this well-kept/like-new home! SOLAR is PAID OFF! This spacious residence boasts an oversized 3-car garage w/high entry doors & extended depth, complete with cabinets for all your storage needs. 4 spacious bedrooms and 2 baths, freshly painted with exterior roller shades throughout. The open split floor plan features tile and bamboo flooring, cozy family room with gas fireplace. Enjoy formal meals in the large dining space. The kitchen is a chef's dream, equipped with an upgraded gas stove, walk-in pantry, granite countertops, and a kitchen island. A spacious backyard offers a tranquil space for relaxation, complete with an above-ground spa and a charming pergola, custom built w/2x6 construction! A must see! Quality!

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