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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14562 W Georgia Avenue Litchfield Park, AZ 85340

$750,000

4 Beds

3.5 Baths

3,022 SqFt

Status Active

MLS # 6748823

Property Type Single Family Residence

Price Type --

Your dream home is finally here! Start living in this gorgeous residence in Palm Valley! A 3-car garage with a paver driveway, RV gate, and gated courtyard are just the beginning. Enter to discover a spacious open floor plan that promotes a modern feel. Pre-wired surround sound, tile flooring, high ceilings, stylish light fixtures, and upscale ceiling fans add to the overall decor. Don't miss the formal dining room and the bonus room that can be used as a media room! Spotless kitchen is a chef's delight, equipped with abundant cabinets with crown moulding, recessed & pendant lighting, granite counters, a prep island with a breakfast bar, top-of-the-line stainless steel appliances, and a walk-in pantry. Large main retreat boasts plush carpet, outdoor access, and a stunning ensuite bath. Two vanities, make-up desk, soaking tub, shower with a drying area, and a walk-in closet with an organizer complete the picture. One Jack & Jill bathroom! Enjoy mountain views from the serene backyard, showcasing a roof deck, covered patio, pavers, fire pit, and built-in bench. This turn-key gem awaits you!

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1169 Buckskin Court Show Low, AZ 85901

$750,000

3 Beds

3 Baths

2,778 SqFt

Status Active

MLS # 6743700

Property Type Single Family Residence

Price Type --

Breathtaking VIEWS!! Watch the peaceful sunrise or the magnificent monsoon storms roll in while relaxing on your expansive back deck, or comfortably inside on your sofa through your wall of windows. This gorgeous home does not disappoint, being meticulously maintained, & has all the bells & whistles the most discerning folks are looking for, including: Light, open split bedroom floor plan; tongue & groove ceilings; maple cabinets; granite countertops; black stainless steel appliances; solid oak, luxury vinyl, and tile flooring; wood stove for cozy comfort on those chilly nights; a huge laundry room; tons of cabinet space; 2 car garage; & a fully finished basement, complete with bar/kitchenette, bathroom and copious amounts of storage; all of this on .63 acre of a park like yard!

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2976 E Country Shadows Street Gilbert, AZ 85298

$750,000

5 Beds

3 Baths

3,064 SqFt

Status Active

MLS # 6745500

Property Type Single Family Residence

Price Type --

This gorgeous home has been made even more beautiful with carefully crafted updates. Repositioned kitchen island with new quartz counter tops, upgraded backsplashes, refinished cabinets and a sleek stainless steel vent hood. This floor plan includes a bedroom and full bathroom downstairs and two separate garages (a 1 and a 2) with direct interior access. New woodplank tile flooring on first floor. Upgraded taller baseboards. Huge formal living and dining overlooks the pool from a wall of windows. Upstairs has four bedrooms and an office nook. Primary bedroom is oversized for even the largest furnishings. Two walk in closets and a remodeled en suite bathroom. Backyard has a resurfaced pool with new deck, built in BBQ, firepit and turf. List of updates available. This is a beauty! Must see!

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31106 N 138th Avenue Peoria, AZ 85383

$750,000

5 Beds

4.5 Baths

3,179 SqFt

Status Active

MLS # 6746944

Property Type Single Family Residence

Price Type --

Luxury meets nature in this stunning 5 bedroom, 4.5 bathroom home that backs up to a nature preserve! It is a true sanctuary, boasting breathtaking mountain views and no neighbors behind—ever! Step inside to discover a versatile den, spacious loft, and two primary bedrooms - one upstairs and one downstairs! The primary bedroom upstairs features a private balcony, perfect for enjoying beautiful sunsets over the serene nature preserve, and complete with his and hers walk-in closets. Step outside to a low-maintenance backyard with a sparkling saltwater pool, waterfall spa, and plenty of space to entertain or unwind. Nestled in a community with top-notch features and with access to hiking/biking trails just down the street, this home offers the perfect blend of luxury and outdoor adventure. Home features include epoxy garage floors, 3 car garage connected inside, pre-plumbed for sink in garage, huge understairs storage, and pool automation that you can control from your phone! Pool fence is available in garage cabinet.

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8319 E Bonnie Rose Avenue Scottsdale, AZ 85250

$750,000

4 Beds

2 Baths

1,828 SqFt

Status Active

MLS # 6754029

Property Type Single Family Residence

Price Type --

Entertainers Paradise! This stunning 4 bedroom open concept home has updates galore! Flooring is American Hickory Wood and Oversized modern tile! Kitchen and bathrooms have modern backsplash along with stainless steel appliances. 4th bedroom has additional outside entrance and massive walk in closet. Backyard has an awesome ramada and built in firepit. Sparkling diving pool has access from main backyard entrance and master bedroom and backyard is a perfect oasis with generous pavers, artificial turf and plenty of space! This beauty is situated just minutes from Old Town Scottsdale night life, Talking Stick Casino, Top Golf Entertainment, Chapparal Park, Lakes and Aquatic! Home is well maintained and is a steal at this price! Come Quick!

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4442 E Aire Libre Avenue Phoenix, AZ 85032

$750,000

3 Beds

2 Baths

1,524 SqFt

Status Active

MLS # 6770431

Property Type Single Family Residence

Price Type --

Come see this nicely renovated home. All done in 2020. Well-appointed kitchen w/large Center Island, modern Quartz counters, white shaker Cabs w/42'' uppers. SS appliances W/Fridge. Breakfast nook. All overlooks large great room W/Elevated pitched ceilings & slump block fireplace. Beautiful wood look flooring throughout. Master retreat w/walk-in closet, sliding glass door to backyard & pool. Elegant master shower w/white subway tile, glass enclosure, suspended vanity & modern bathroom accents. Guest bath updated w/white shower tile, suspended vanity & rich bathroom accents. Inside laundry. Ceiling fans throughout. Huge backyard w/Pool, large grassy area for kids, covered patio that was extended with custom Belgard Catalina slate pavers. RV gate perfect for boat or trailer! Garage has an extra alcove for storage and custom epoxy floor. Close to the 51 & 101Freeways. Minutes to the soon to be fully renovated Paradise Vally Mall. And close to Desert Ridge Mall. Don't miss this solid built slump block home in great neighborhood!

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20445 W Springfield Street Buckeye, AZ 85396

$750,000

5 Beds

3.5 Baths

2,974 SqFt

Status Active

MLS # 6772559

Property Type Single Family Residence

Price Type --

Prepare to be amazed! Check out this fantastic 5 bed, 3.5 bath residence now for sale in the prestigious Community of Verrado! Stunning curb appeal, a large front yard w/lush natural turf, a 3 car garage w/back alley access, and a welcoming porch are just the beginning. Discover a spacious living area w/soaring ceilings, tile flooring, and plantation shutters. You'll also find a formal dining room w/tray ceilings, ideal for hosting a dinner party! The gourmet kitchen is comprised of painted cabinetry w/crown moulding, granite counters, stainless steel appliances such as dual wall ovens, a prep island, and a breakfast nook. The primary bedroom showcases a walk-in closet and a full ensuite w/dual sinks for added comfort. The upper level boasts access to a lovely balcony, where you can sit back and enjoy a relaxing afternoon. Don't forget about the cozy den, perfect for an office or reading nook! Detached casita also includes their very own kitchenette for the convenience of your guests. Lastly, the wonderful backyard features a covered patio, extended seating area w/a fire pit, and a sparkling blue pool/spa combo! The home of your dreams is here, hurry and act now before it's gone!

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9648 E Rainbow Avenue Mesa, AZ 85212

$750,000

5 Beds

4 Baths

2,942 SqFt

Status Active Under Contract

MLS # 6690254

Property Type Single Family Residence

Price Type --

Welcome to contemporary living! This striking home boasts modern curb appeal with charming brick accents and lush turf landscaping, setting the stage for unparalleled elegance. Step inside and prepare to be captivated by the seamless fusion of style and functionality. The kitchen serves as the heart of the home, showcasing sleek white cabinets and modern hardware that exude timeless allure. Experience the utmost convenience with a single basin sink and coveted pots & pans drawers, ensuring effortless organization and efficiency in culinary endeavors. The expansive primary bedroom, conveniently located downstairs, offers a retreat of unparalleled luxury and comfort. (CLICK TO READ MORE) Pamper yourself in the lavish ensuite bathroom, featuring dual sinks and a sumptuous soaker tub, all complemented by a stunning subway tile backsplash that ascends to the ceiling, adding a touch of contemporary flair. Venture upstairs to discover a thoughtfully designed layout, with a loft space and two additional bedrooms, providing ample space for rest and relaxation. The upstairs bathroom offers convenience and privacy, ensuring comfort for all occupants. Modern amenities abound in this exquisite home, including a tankless water heater for endless hot water supply and a spacious 3-car garage with a convenient pull-through feature, offering unparalleled functionality and convenience. Just like a world-class resort, this community offers a luxurious community pool, splash pads, numerous parks spread throughout, the Steadfast farm, the Handlebar Diner, and its very own state-of-the-art clubhouse The Mark. The Mark hosts events throughout the year and a wide variety of family-friendly games to play. Experience the pinnacle of luxurious living in this immaculate home.

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808 W Avalon Drive Phoenix, AZ 85013

$750,000

4 Beds

2.5 Baths

2,187 SqFt

Status Active Under Contract

MLS # 6759742

Property Type Single Family Residence

Price Type --

Charming home located in the historic neighborhood of Campus Vista. This 2,100+ SF residence has been beautifully updated for modern living. Enjoy corner windows for natural lighting, that embrace the character of the home. The living and dining rooms feature built-in storage and access to a covered terrace. Kitchen is complete with granite countertops, stainless appliances, glass tile backsplash, and gas cooking. Spacious bedrooms with large walk-in closets. Guest bath offers a separate tub and shower, while the split primary suite offers a slider to the terrace, dual sinks, and jetted tub. Additional features include a carport, extra parking pad, and gated access to a detached two-car garage. Enjoy your private grassy backyard, lush greenery, and the option for flood irrigation. Campus Vista came to be in the 1940's and housed students and faculty for the then new Phoenix College. Just a 5 min walk down the street. Conveniently located just minutes from the Downtown area. Near Banner University Hospital, St. Joe's Hospital, Phoenix Children's, and many more medical facilities. Encanto Park just minutes away with nature trails, fishing ponds, a boathouse, park rides, and two golf courses. A wide variety of restaurants and shops all around. Quick access to the freeways.Embrace this perfect blend of charm and convenience!

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39447 N Kennedy Drive San Tan Valley, AZ 85140

$750,000

3 Beds

2 Baths

1,905 SqFt

Status Active Under Contract

MLS # 6740999

Property Type Manufactured Home

Price Type --

Buyer failed to perform!!! Amazing potential on this 3bed 2 bath, 3.70 acre horse property located just a stone's throw away from town, you'll have easy access to shopping dining and local amenities making this home an ideal choice for those seeking balance of rural charm and urban convenance. 3 Large pastures, flood irrigation and covered stalls are just a few bonuses that this property has to offer. Come see for yourself!

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10605 E Kilarea Avenue Mesa, AZ 85209

$750,000

4 Beds

3 Baths

2,880 SqFt

Status Active Under Contract

MLS # 6755013

Property Type Single Family Residence

Price Type --

Split 4 bedrooms and 3 full baths, accompanied by a versatile teen area that may effortlessly transform into a 5th bedroom. Spanning almost 2900 sqft, this home features a refreshing pool and a spacious private backyard with a patio, offering unobstructed views without rear neighbors. The 3-car garage comes with additional storage drop-down ceiling rack shelves. The gourmet kitchen has new appliances, refinished cabinets, and a sizable island, while a walk-in pantry adds to its modern allure. The Main Bedroom suite includes an opulent tub and shower, complemented by a generous walk-in closet. A tranquil oasis awaits in the backyard, where a large patio and sparkling pool create an ideal space for relaxation and entertainment.

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15423 N 54th Street Scottsdale, AZ 85254

$750,000

4 Beds

3.5 Baths

2,334 SqFt

Status Active Under Contract

MLS # 6757834

Property Type Single Family Residence

Price Type --

Step into this inviting home located in Scottsdale's sought-after ''magic 85254'' zip code! Featuring two generously sized primary suites, each with its own private en-suite bathroom and walk-in closet, this home ensures comfort and privacy for everyone. The open floor plan effortlessly connects the kitchen, dining, and living spaces, making it ideal for hosting friends and family. The kitchen is a true highlight with granite countertops, shaker-style cabinets, a spacious walk-in pantry, a Sub-Zero freezer for additional storage, and a filtration system for clean, fresh water. REFRIGERATOR ADDED IN KITCHEN - OCT. 18, 2024. Fresh interior and exterior paint, along with freshly painted cabinets and new carpet, gives the entire property a bright, move-in-ready feel. In addition, all big ticket items including the roof, HVAC, and water heater, are newer, ensuring peace of mind for years to come. Sitting on a large lot with a double RV gate and no HOA restrictions, this home is ideal for storing outdoor toys or creating extra storage. The low-maintenance backyard is a blank canvas, ready for your personal touch. Located in a fantastic school district and just minutes from the eagerly anticipated Paradise Valley Mall redevelopment and Scottsdale Quarter, this high-growth area offers easy access to premier shopping, dining, entertainment, and convenient connections to the 51 and 101 freeways. Schedule your showing today!

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