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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7264 S Quinn Avenue Gilbert, AZ 85298

Open House

$750,000

5 Beds

3.5 Baths

3,535 SqFt

Status Active

MLS # 6756187

Property Type Single Family Residence

Price Type --

Welcome to this beautifully designed 2-story home in the highly sought-after Adora Trails community. This spacious residence boasts over 3,500 sq. ft. of living space, offering a perfect blend of luxury, comfort, and functionality. From the moment you step inside, you'll be greeted by gorgeous wood floors, a neutral color palette, and tasteful design touches that create a warm and inviting atmosphere. Featuring 5 bedrooms, 3.5 baths, a den with custom built-ins, and a large loft, this home provides plenty of space for family and guests. The gourmet kitchen is a chef's dream, equipped with granite countertops, stainless steel appliances, and ample storage. The open-concept layout flows seamlessly into the living and dining areas, perfect for entertaining. Step outside into your personal oasis on an oversized lot, complete with a sparkling pool and spa and a large patio, perfect for Arizona's sunny days. The backyard offers endless possibilities for outdoor fun and relaxation. Other highlights include a luxurious primary suite with a spa-like bathroom, upgraded finishes throughout, and a prime location within Adora Trails, known for its community amenities, including a community pool, parks, trails, and a clubhouse with gym. Don't miss this rare opportunity to own a move-in-ready, elegantly appointed home in one of Gilbert's premier neighborhoods!

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6632 W Saguaro Park Lane Glendale, AZ 85310

$749,999

5 Beds

3 Baths

3,207 SqFt

Status Active

MLS # 6752443

Property Type Single Family Residence

Price Type --

Beautifully updated 5-bedroom, 3-bathroom home with a fully-paid $41K Solar system (14.58 kW) installed in 2023 and breathtaking Mountain views from most windows in this peaceful North Peoria-Glendale neighborhood. The open-concept great room and family room are perfect for gatherings of all sizes. The modern kitchen features stainless steel appliances, new vent hood, and a stylish backsplash. Upstairs Loft provides extra living space. The spacious primary bedroom suite includes a luxurious retreat with a sitting area, walk-in closet, tiled shower, and dual sinks. The large bedrooms will be perfect for your entire family. Tandem garage has been converted into a versatile studio with a kitchen, ideal for a guest suite or home office. Downstairs half-bathroom converted to include a shower. Experience Arizona's outdoor living in your lush green backyard oasis, complete with a covered patio, custom-designed natural gas fire pit, and dual vegetable garden planters. The front yard features mature landscaping with extended paver walkways and driveway creating an immaculate curb appeal. Conveniently located near Lifetime Fitness, CCV, hiking trails, and several top-rated Shopping and Dining options. Minutes from, easy access to the 101 and I-17 highways. This home is move-in ready with Brand New carpet and fresh paint inside and out. - A true gem.

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2162 E Carla Vista Place Chandler, AZ 85225

$749,999

5 Beds

3.5 Baths

3,135 SqFt

Status Active

MLS # 6743061

Property Type Single Family Residence

Price Type --

Discover this stunning 5-bedroom, 3.5-bath home ready for its new owners in Chandler! Enter into a spacious living/dining area with soaring ceilings. The flow of natural light through the large windows adds to the inviting ambiance, making this room a focal point for family life. The large kitchen flows seamlessly into the family room, perfect for gatherings. A main-level bedroom and bath offer an ideal home office or guest suite. The oversized master suite features a luxurious bath with a soaker tub, separate shower, and double sinks. Upstairs, a cozy loft awaits your relaxation. The kitchen boasts granite countertops, a pantry, breakfast bar and study nook, with plantation shutter windows. Step outside to your private backyard with a covered patio, lush greenery, and built-in BBQ...

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10433 S 27th Avenue Laveen, AZ 85339

$749,999

4 Beds

3 Baths

2,772 SqFt

Status Active

MLS # 6714700

Property Type Single Family Residence

Price Type --

Reduced! REDUCED!! REDUCED!!! Seller is MOTIVATED! Nestled in the foothills of South Mountain, come see this custom home built on 1+ acres of natural desert! With a front and back patio, a balcony and a deck that overlooks Phoenix, this home will surely captivate your heart! This BEAUTIFUL home features 4 bedrooms, 3 bathrooms, a living room & a family room with a fireplace. The kitchen includes matching Whirlpool black stainless steel appliances and granite countertops. In the primary, you'll find a bathroom with double sinks, a separate shower & jetted tub and a walk-in closet. There are ceiling fans in all rooms, including the living room, family room and dining area. No HOA. Your future home awaits!

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21353 S 213th Street Queen Creek, AZ 85142

$749,999

3 Beds

3 Baths

2,920 SqFt

Status Active

MLS # 6760713

Property Type Single Family Residence

Price Type --

Semi-custom elegance at a close-in Queen Creek location. The split, great room floor plan you love with a generous area for entertaining all of your favorite people, and a beautifully designed yard to bring the party outside with low maintenance landscaping, a lovely fire pit and 25 foot pergola for enjoying peaceful evenings. The gorgeous gourmet kitchen with upgraded white cabinets, stainless steel, miles of granite counters and a walk in pantry offers a large eat in area, breakfast bar AND a formal dining space.Relax and unwind in the primary ensuite bedroom sanctuary with his/her closets, and melt your cares away in the large soaking tub, or enjoy the luxury walk in shower. Split vanities are just the start of the high end upgrades which have been thoughtfully selected: wood look tile throughout most of the home, designer lighting, a security screen door and three year old multi zoned a/c unit combines a feeling opulence with energy and cost savings. Two large secondary bedrooms provide space for everyone and their gear, and the den/office can be used as a fourth bedroom. Room for all your toys with a split 3 car extended length, over height garage with cabinets galore, RV gate so you can enjoy your time away from the home as much as you'll love being in it. Surrounded by biking/walking paths and parks, this impressive neighborhood shows pride of ownership and offers nearby shopping, dining and entertainment. This is a gem of a home that you need to see to appreciate.

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2629 S Country Club Way Tempe, AZ 85282

New

$749,997

4 Beds

2 Baths

1,929 SqFt

Status Active

MLS # 6783934

Property Type Single Family Residence

Price Type --

**NOTHING QUITE LIKE THIS ON THE MARKET**UNIQUE subdivision with 8ft walls around the perimeter of the property provides the dream-life of leaving doors and windows open, especially this time of year! Shell beach flooring, Italian marble tile around the fireplace. Linear exterior lighting package, modern glass garage door, engineered wood, hexagon tile, Granite countertops throughout the kitchen. 8 ft walls provide stellar privacy making this a super private home, or a great rental property as well! No HOA! Best part, solar panels Keep our utility bill around $200 all summer long and around $200 all winter long even with the pool heater on daily!

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10059 E Thunderbolt Avenue Mesa, AZ 85212

Open House

$749,995

4 Beds

3.5 Baths

2,790 SqFt

Status Active

MLS # 6775906

Property Type Single Family Residence

Price Type --

Nestled in the Master Planned Community of Cadence you will enjoy all the amenities beyond your neighborhood. You will have access to community parks, pool, playground, and community center. This home is complete with top-tier design features in a desirable location, this is the home you've always dreamt of. The enormous kitchen boasts name-brand appliances, upgraded countertops, and ample cabinet space. Backyard areas provide ample space for activities, a pool to be installed, grilling, and vacationing at home. The personalization options are boundless with expertly designed finishes available throughout the home. This home gives you easy access to major commuter routes. Be the first to see this gorgeous home in person by scheduling a tour today!

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11462 E Utopia Avenue Mesa, AZ 85212

$749,990

6 Beds

4.5 Baths

4,179 SqFt

Status Active

MLS # 6735295

Property Type Single Family Residence

Price Type --

''Introducing this stunning six-bedroom, 4 1/2 bathroom home with an office and loft, boasting 10-foot ceilings on both levels. The famhouse style exterior features a paver driveway and inside the home features 8-foot doors with satin nickel handles. With a 4 Panel Center slider off the great room, the space is bathed in natural light. Inside, find 8 x 36'' wood-look tile throughout the main areas and 4 1/4 inch baseboards. The primary bathroom showcases an enlarged shower, separate soaking tub, and dual vanities. Brushed nicke bath faucets and upgraded vanity lighting adorn all bathrooms. The kitchen is a chef's dream with a 36-inch gas cooktop, separate wall oven, built-in microwave, painted shaker cabinets with hidden trash pull-out, satin nickel cabinet hardware, quartz countertops, and designer tile backsplash. This home is the epitome of luxury and comfort.

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28648 N 165th Avenue Surprise, AZ 85387

$749,990

4 Beds

3.5 Baths

3,068 SqFt

Status Active

MLS # 6768369

Property Type Single Family Residence

Price Type --

This charming 4-bedroom, 3.5-bath property is nestled on an expansive 1.2-acre lot with NO HOA! You're greeted by a living room with a soothing palette, blinds, and wood-look flooring. The family room includes a stone-clad fireplace for relaxing evenings with loved ones. The eat-in kitchen comes with quartz counters, abundant wood cabinetry with crown moulding, recessed lighting, stainless steel appliances, a pantry, and a center island for added prep space. The sizeable main bedroom offers a walk-in closet and a private bathroom with double sinks. Outdoors, you'll find a covered patio with an extended pergola, a built-in BBQ with a dry bar, a barn shed, a well-kept lawn, a relaxing spa, and a pool for cooling down on hot summer days. Don't miss out on this fantastic opportunity!

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22747 S 229th Place Queen Creek, AZ 85142

$749,990

4 Beds

3 Baths

3,203 SqFt

Status Active

MLS # 6780715

Property Type Single Family Residence

Price Type --

Stunning home in a vibrant and coveted community, beautifully situated on a corner lot! This home boasts outstanding upgraded features wood-plank tile floors, elegant 8-foot doors throughout, custom fixtures, tankless water heater, and a stylish gray interior color scheme. The Chef's kitchen is a true highlight, featuring granite slab, staggered 42'' Expresso cabinets, built-in stainless steel appliances with a gas cooktop, spacious walk-in pantry. MASSIVE laundry/utility room perfect for bigger families. True Resort backyard w/sparkling pool, elevated hot tub, shear water features, ample travertine, turf, gas firepit & BBQ. Spacious 3-car Tandem garage w/tons of storage **PROFESSIONAL PHOTOS COMING SOON**

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1942 W Sienna Bouquet Place Phoenix, AZ 85085

$749,990

3 Beds

2 Baths

2,189 SqFt

Status Active

MLS # 6731863

Property Type Single Family Residence

Price Type --

Up to 3% of base price or total purchase price, whichever is less, is available through preferred lender plus additional 2% of base price or total purchase price, whichever is less, is available to be used toward closing costs, pre-paids, rate buy downs, and/or price adjustments. Introducing the Barletta, a sophisticated single-story home on a north-south facing corner lot, ready by Sept/Oct. It features an open floor plan with 3 bedrooms, 2 baths, a den, and a flex room. The Owner's Suite has a glass walk-in shower, and the Chef's kitchen includes a gas cooktop, linen-painted cabinets, and quartz countertops. A center slider opens to a covered patio for indoor-outdoor living. Upgraded tile, carpet, a full electrical package, and a landscaped front yard enhance this exceptional home.

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5626 W St Moritz Lane Glendale, AZ 85306

$749,980

4 Beds

3.5 Baths

2,854 SqFt

Status Active

MLS # 6782311

Property Type Single Family Residence

Price Type --

Ready Now!! Near all the amenities and park area. 4 Bedrooms, wfh, dog wash, with 16ft slider, Quartz counter tops, 42'' Winstead maple painted flat-panel Cabinets with brushed nickel hardware, gourmet collection gas appliances, 24''x48'' union industrial look tile and upgraded carpets!! Great sized backyard with covered patio to enjoy. Just steps away from all the amazing amenities Legends has to offer.

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