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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20802 N Grayhawk Drive Unit 1026 Scottsdale, AZ 85255

$749,900

3 Beds

2.5 Baths

2,305 SqFt

Status Active

MLS # 6758858

Property Type Townhouse

Price Type --

Imagine yourself living in the prestigious and highly desirable Guard Gated community of Avian at Grayhawk in the heart of North Scottsdale. This beautiful townhome boasts the best location next to the community pool and spa and situated on the end of a private cul-de-sac. You don't want to miss this spacious 3 bd, 2.5ba, 2 car gar property with a private patio and cozy front courtyard. Open layout with Large eat-in-kitchen and extensive Great room with vaulted ceilings and an abundance of natural light. Huge laundry room with sink and tons of storage. When not spending time at the pool, you'll be minutes from world class dining, shopping, championship golf courses, hiking, biking,and everything that North Scottsdale and luxury desert living has to offer.

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20712 N 56th Avenue Glendale, AZ 85308

$749,900

3 Beds

2 Baths

2,210 SqFt

Status Active

MLS # 6766007

Property Type Single Family Residence

Price Type --

Gorgeous SINGLE LEVEL home with updated kitchen and baths, neutral tile and colors throughout. NO INTERIOR STEPS AND GAS COOKING TOO! 3 bedrooms PLUS a nice office/den! Amazing resort style backyard with lush tropical landscaping, refreshing pool to relax in and a beautiful palapa and putting green complete this home created to maximize the outdoor enjoyment we so appreciate in sunny Arizona, where we salt our Margaritas and not our sidewalks! Fully insulated and air conditioned 3-car garage for multi-purpose usage. Owner may consider selling most furniture on a separate bill of sale. Perfect for a second or full time home!

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17900 N 80th Place Scottsdale, AZ 85255

$749,900

3 Beds

2 Baths

1,879 SqFt

Status Active

MLS # 6778118

Property Type Single Family Residence

Price Type --

BEAUTIFUL home with a perfect location in Scottsdale! Enjoy the bright open floorpan with a greatroom, 3 bedrooms and a den. The home is move in ready with custom paint, custom lighting, stainless steel appliances and gas cooktop! Enjoy the spacious & private backyard for relaxing. This lovely neighborhood is a prime location and close to all the great amenities Scottsdale has to offer. Minutes from Kierland Commons and Scottsdale Quarter shopping/restaurants/movies and the 101. Don't miss this home!

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721 Crosscreek Drive Prescott, AZ 86303

$749,900

4 Beds

4.5 Baths

3,512 SqFt

Status Active

MLS # 6769155

Property Type Townhouse

Price Type --

Located overlooking the 5th Green of Capital Canyon Golf course in Prescott. So serene and peaceful! Open floor plan with plenty of natural light and views. This spacious 4-bedroom, 4.5 bath home also offers a living room and a family room, great for gatherings with family and friends. Relax on the oversized back deck--enjoy the peaceful and serene surroundings and the occasional deer and other wildlife! Gas fireplace, plenty of kitchen cabinets and counter space plus a pantry. This beautiful turnkey townhome is a great second home, investment property or year-round home. Close to downtown Prescott, in the Hassayampa Village Community/Aspen Creek Meadows neighborhood. Capital Canyon Club is a private golf course/exercise facility and restaurant. Membership optional.

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15706 E Sterling Spur Road Dewey, AZ 86327

$749,900

5 Beds

3 Baths

3,894 SqFt

Status Active

MLS # 6774449

Property Type Single Family Residence

Price Type --

NEW ROOF with warranty! Nestled in the Estates at Cherry Ridge, this charming home is surrounded by breathtaking mountain views. Natural light floods through expansive windows into the open floor plan. The kitchen boasts granite countertops and hickory cabinets, perfect for creating home-cooked meals. The primary suite is a tranquil retreat, featuring a walk-in closet and luxurious en-suite bath with a soaking tub. On the main level, two additional bedrooms welcome guests, while downstairs offers two more bedrooms, a full bath, and a spacious family/theater room and additional room for a gym, craft room or playroom. The backyard is perfect for gatherings, complete with a gas firepit for cozy evenings. Items that do not convey: Flag pool and Planted Iris's. Community Lending Program Available - Free 2/1 Buydown- (temporary interest rate reduction of 2%) for this property only. Ask for details.

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533 W Coronado Road Phoenix, AZ 85003

$749,900

2 Beds

1 Bath

1,076 SqFt

Status Active

MLS # 6771898

Property Type Single Family Residence

Price Type --

''House of Charm'' one of five built as a spec home by Paul Burroway. This is the only one built in the ''moderne'' style and featured state of the art components for that time period. Situated in the Willo District, the home maintains all of its vintage integrity that makes it a showstopper. High ceilings, unique crown molding, original hardware and light fixtures, porthole windows, built in cabinetry, just to name a few. This is a must see to truly appreciate the era and craftsmanship. Two well sized bedrooms offer warm flooring and walk in closets. The kitchen is a chef's delight with that gas stove! The property offers plenty of outdoor living. Relax on the gorgeous front porch or venture out into the backyard showcasing the refreshing pool and expansive lawn. The possibilities are endless with the detached storage/garage in the corner of the yard. Come see this one of a kind beauty and make it yours!

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1001 N 11th Street Phoenix, AZ 85006

$749,900

5 Beds

4 Baths

2,305 SqFt

Status Active

MLS # 6778081

Property Type Single Family Residence

Price Type --

Investor Opportunity. Quaint home in the historic Garfield District. The property includes a 2Br unit with an additional 1bd units and 2 studio units on the property. 2 br could easily be turned into 3 br. 4 total units for rent. Plus outdoor space. Excellent income opportunity. The property has a new roof and has a large amount of plumbing and electrical work completed. The main stuff has been completed. Just needs someone to come and finish it. A stones throw to Banner Hospital. No Wholesalers.

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26715 N 72nd Lane Peoria, AZ 85383

$749,900

4 Beds

3 Baths

2,779 SqFt

Status Active Under Contract

MLS # 6759853

Property Type Single Family Residence

Price Type --

Welcome home to this gorgeous, upgraded home exuding charm & elegance! This one-story gem features sweet curb appeal, tandem 3-car garage w/an extended driveway, & a welcoming courtyard for relaxing mornings. Enter to find an open layout with formal dining, wood look flooring, modern light fixtures, & neutral palette. The gourmet kitchen has an oversized island w/breakfast bar, SS appliances, quartz counters, espresso cabinets w/crown moulding, & modern backsplash. The main suite has an oversized lavish bathroom w/ dual sink vanity, large tub, & a huge walk-in closet. The cozy bonus room is perfect for family or play time! The serene backyard offers a covered patio & artificial turf. All found in the highly coveted and pristine neighborhood of Aloravita in North Peoria. This is the one!

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12610 E Nandina Place Gold Canyon, AZ 85118

$749,900

3 Beds

3 Baths

2,154 SqFt

Status Active Under Contract

MLS # 6765316

Property Type Single Family Residence

Price Type --

TRULY SPECTACULAR SUPERSTITION MOUNTAIN VIEWS FROM MOST DESIRABLE LOCATION IN PERALTA CANYON! 2019 HIGHLY UPGRADED SINGLE LEVEL HOME OFFERS 3 BEDROOMS + DEN, 3 BATHS & 3 CAR GARAGE. UPSCALE INTERIOR FEATURES DESIGNER COLOR PALETTE, SOARING CEILINGS, RECESSED LIGHTING & WOOD-LOOK PLANK TILE FLOORING. LIGHT & BRIGHT GREATROOM OPENS TO GOURMET KITCHEN BOASTING BEAUTIFUL BRIGHT QUARTZ COUNTERS, ELEGANT WHITE CABINETS W/CROWN MOLDING, HIGH-END STAINLESS APPLIANCES, WALK-IN PANTRY & ISLAND W/PENDANT LIGHTING. SPACIOUS PRIMARY SUITE SPORTS LARGE ENSUITE BATH W/DOUBLE VANITIES, WALK-IN SHOWER, HIS & HERS CLOSETS & FABULOUS MOUNTAIN VIEWS. UNSURPASSED SUPERSTITION MOUNTAIN VIEWS FROM COVERED PATIO & TRAVERTINE SEATING AREAS AMID LOVELY EASY CARE DESERT SCAPE. CLOSE TO 5 GOLD CANYON GOLF COURSES, WORLD CLASS HIKING, RESTAURANTS & SHOPPING. 35 MIN. TO PHX SKY HARBOR. HOA ONLY $100/MO.

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23575 N 73rd Place Scottsdale, AZ 85255

$749,900

3 Beds

2 Baths

1,629 SqFt

Status Active Under Contract

MLS # 6776949

Property Type Single Family Residence

Price Type --

This beautifully remodeled 3-bedroom, 2-bathroom home is a coastal-inspired gem located in the desirable gated community of Los Portones, North Scottsdale. With its inviting open floorplan, the home features modern updates and coastal charm throughout. Situated on a spacious lot, it provides ample outdoor space for entertaining or relaxation. Residents enjoy access to scenic walking paths, and the location is conveniently close to shopping, dining, schools, and parks, offering a perfect balance of tranquility and urban convenience in a secure, picturesque setting.

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14632 W Columbus Avenue Goodyear, AZ 85395

$749,900

5 Beds

2.5 Baths

2,813 SqFt

Status Active Under Contract

MLS # 6778396

Property Type Single Family Residence

Price Type --

REMODELED! OWNED SOLAR! HARD TO FIND 5 BEDROOM HOME WITH HEATED POOL/SPA IN SOUGHT-AFTER PALM VALLEY! PRIVATE, PREMIUM LOT ON ALMOST 1/4 ACRE BACKING TO THE COMMON AREA! 3 CAR GARAGE AND RV GATE! This spacious home boasts high ceilings throughout, open concept Kitchen/Great Room, large 5th Bedroom or Game Room, Den with double doors (or Formal Dining or Living Room), gas option at cooktop & dryer, Guest Bath with access to pool, new luxury laminate floors, quartz countertops at Kitchen & Primary Bath, tiled shower with glass surround, automatic shades at Primary Bedroom, new appliances (fridge, dishwasher, washer, dryer), new roof in 2021, & the list goes on. Relax & entertain in your backyard oasis with pool/spa, covered patio, gas BBQ, & gas firepit. Excellent location near schools!

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27587 N Makena Place Peoria, AZ 85383

New

$749,900

2 Beds

2 Baths

2,153 SqFt

Status Active

MLS # 6784280

Property Type Single Family Residence

Price Type --

Just listed SPECTACULAR Outdoor Living space home w/ a UNIQUE view of two Golf Holes. This Tuscan Civitas greets you w/ a flagstone walk & Pergola Covered courtyard featuring a bubbling fountain. The grand great room invites w/ its rich wood tones, fireplace, crown molding & open view to the breathtaking back yard. This plan features one of the largest kitchens in all of Trilogy and it overlooks the interior courtyard. It sports new quartz countertops, a gas cooktop, & a SS Dishwasher & refrigerator. The oversize bedrooms are split nicely for mutual privacy & the den offers a 3rd bedroom opportunity. The rear yard features a pergola covered large firepit w/ seating, a large fireplace & a water feature in addition to a spectacular view down 16th fairway.

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