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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Sort by: Select Price, Low to High Price, High to Low Newer Listings First Older Listings First Open House Date

23242 S 202nd Way Queen Creek, AZ 85142

Open House

$749,000

4 Beds

2.5 Baths

3,119 SqFt

Status Active

MLS # 6690634

Property Type Single Family Residence

Price Type --

BEAUTIFUL HOME, PREMIUM LOT, AN AMAZING PRICE, WONDERFUL COMMUNITY. TAKE ADVANTAGE OF THE CURRENT REAL ESTATE MARKET AND TURN THIS INTO YOUR DREAM HOME. Stunning open concept floor plan on large premium lot backing to recessed walking trail & green belt with distant mountain views! Spacious greatroom w/gas fireplace and expansive view to resort style backyard. Chef's kitchen showcases 5 burner gas cooktop, loaded with cabinets & counter space ideal for family gatherings & open to greatroom. Primary bedroom is split w/his & her walk-in closets & patio access. Guest wing provides two additional bedrooms & full bath. 4th bedroom w/french doors is split & currently used as an office. Niche can be built-out for closet. Private dining room off entry offers view to front courtyard. It would also make a great flex area. You will be impressed with ample outdoor space for entertainment or relaxation. Play pool with cascading rock waterfall & BBQ area with granite topped high-top seating. Expansive kool decking & two large covered patios provide both dining & sitting areas. Easy care backyard could also be a nice grass area. Three car tandem garage provides work bench and service door. Special features include shutters, recessed & accent lighting, water softener, central vac, 20 tile floors & 4 baseboards. Refrigerator, washer, gas dryer & second refrigerator convey. HVAC units new 2021. Community offers greenbelt, basketball court & playground. Elementary school and American Leadership Academy are within one mile of the property. Queen Creek Marketplace offering many stores & services is approximately two miles from the property.

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19147 N 270th Avenue Buckeye, AZ 85396

Open House

$749,000

3 Beds

2.5 Baths

2,800 SqFt

Status Active

MLS # 6757649

Property Type Single Family Residence

Price Type --

Come check out this SPECTACULAR NEARLY NEW Voyage Model home loaded with upgrades and STILL UNDER PULTE'S ONE YEAR HOME WARRANTY COVERAGE! It all begins with amazing street appeal. But the real treat is out back with an Arizona Rainfall heated Pool & Firepit surrounded by Travertine & Artificial Grass in all the right places, fenced and with Mountain Views. Inside you will find LVP flooring throughout, matching Granite Countertops in Kitchen & Bathrooms, Cape Cod Maple Cabinets throughout the home, Ceiling Fans throughout the home & back Patio, Tray Ceilings in the Foyer, Den & Owner's Suite along with a Tiled Walk-in Shower. Custom Barn Doors in the Owner's Suite and Guest Wing Entry & high end Kitchen appliances. And for a bonus, how about an air-conditioned Garage. This home has it all

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26425 N 42nd Way Phoenix, AZ 85050

Open House

$749,000

4 Beds

2.5 Baths

2,359 SqFt

Status Active

MLS # 6766423

Property Type Single Family Residence

Price Type --

This beautifully remodeled 4-bed, 2.5-bath property is located just North of Desert Ridge in a highly desirable neighborhood. Filled with modern upgrades, this home offers a perfect blend of style, comfort, and convenience. Step into the inviting, newly updated farm-style kitchen, featuring white cabinetry, a large farmhouse sink, butcherblock countertops, and a complete set of black stainless steel appliances. It's an entertainer's delight, perfect for cooking and creating lasting memories. The spacious floor plan offers all four bedrooms upstairs, including a large, East-facing master suite with a walk-in closet. This home is equipped with energy-efficient solar panels, providing cost savings and sustainability. A water softener system ensures high-quality water throughout the house. A water softener system ensures high-quality water throughout the house. The newer AC unit (installed 2 years ago) and a 1-year-old water heater offer comfort and peace of mind. Car enthusiasts will appreciate the garage equipped with a Tesla charging station, adding to the home's modern amenities. Step outside to the backyard oasis, featuring a lush, well-maintained grassy area, perfect for outdoor activities, entertaining, or simply relaxing.

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6145 S Antonio -- Mesa, AZ 85212

New

$748,995

4 Beds

3 Baths

2,936 SqFt

Status Active

MLS # 6783442

Property Type Single Family Residence

Price Type --

This professionally decorated home is for sale and loaded with designer extras and upgrades. The open-concept kitchen and great room provide the ideal space for entertaining. The second-floor loft offers endless opportunities for a flexible space. Highlights of this home include navy island with white linen bordering cabinets, quartz and dolomite countertops, and upgraded Kitchen Aid appliances. This home gives you easy access to major commuter routes. Explore everything this exceptional home has to offer!

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6786 W Gelding Lane Coolidge, AZ 85128

$748,900

3 Beds

3 Baths

2,492 SqFt

Status Active

MLS # 6735518

Property Type Single Family Residence

Price Type --

What a RARE find! This beautiful 3-bed, 3-bath home nestled on a 1-acre horse property will surely impress you! The charm begins with its great curb appeal highlighted by stone accent details & a desert front yard w/artificial turf. Inviting interior showcases tons of natural light, designer paint, tall ceilings, archways, & tile flooring t/out. Featuring a welcoming living/dining room combo, a formal family room w/fireplace & beam-and-plank ceiling, and a den, this gem offers versatile spaces for relaxation and entertainment! The impressive kitchen has SS appliances, a pantry, recessed lighting, wood cabinetry w/crown molding, & a peninsula w/breakfast bar. Large main bedroom boasts its own fireplace & backyard access! Its ensuite includes dual sinks, separate tub and snail shower, & two walk-in closets. Laundry room with sink & cabinetry. For added convenience, the house comes with two RV gates on both sides and a 3-car garage w/extended driveway. PLUS! The HUGE backyard, with a covered patio, gives you so much potential for your creative ideas. Enjoy the mountain views, providing an amazing backdrop to your living experience! Don't miss this fantastic opportunity!

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2253 S El Marino -- Mesa, AZ 85202

$748,900

3 Beds

2.5 Baths

2,415 SqFt

Status Active

MLS # 6780824

Property Type Single Family Residence

Price Type --

Waterfront! Stunning home meticulously cared for & upgraded by long-time owner. Enter through the private gate to a beautiful resort like courtyard complete w/established trees, flowers, & built-in BBQ. This one-of-a-kind courtyard wraps around to the dream backyard with views, views, views! You will find yourself staring at the loveliest water view as the home is located on an expansive spot on the lake w/views in every direction. Dobson Ranch is one of the very few lake communities that has grandfathered water rights! Backyard is complete w/pool, covered patio, & ample patio areas to sit & relax. Private steps lead to water's edge for boat access. Inside you will find an amazing floor plan w/upgraded kitchen including SS appliances. Kitchen flows into the dining room & great room with natural light & views from every window. Great room has beautiful brick fireplace. Attached to the great room is the perfect place for an office or kids' toys. A den (or 4th BR) & a half bath complete the downstairs. Upstairs you will find two bedrooms connected by a bath Jack & Jill style. What an incredible lake view from the upstairs BR's. Your guests won't want to leave! Primary bedroom is spacious complete with fireplace & walk out balcony to sit & enjoy your expansive water view! Primary bath with dual sinks & vanity area, upgraded tile walk-in shower & walk-in closet. Homes like this have not come for sale in years. Lots of square footage & an incredible place to entertain! New garage door (2024) and new A/C (2023). Dobson Ranch amenities including community pools, clubhouses, pickleball, parks & more.

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3753 S Daisy -- Mesa, AZ 85212

$748,708

5 Beds

3.5 Baths

3,568 SqFt

Status Active

MLS # 6765325

Property Type Single Family Residence

Price Type --

MLS#6765325 Ready Now! The Turquoise is an impressive two-story home design, offering 3,568 square feet of luxurious living space. This spacious floor plan includes 4 bedrooms, 3.5 baths, a 3-car tandem garage, a private study, two dining areas, and an expansive loft. As the largest model in our Hawes Crossing Encore Collection, this home is sure to leave a lasting impression. The journey begins at the welcoming foyer, leading to a formal dining room. Further inside, the open-concept kitchen seamlessly connects to the casual dining area and great room, creating the perfect space for gathering. The first-floor primary suite features separate vanities and dual walk-in closets for ultimate convenience. Upstairs, 4 secondary bedrooms surround a loft, providing additional space for relaxation Structural options include: paver front porch, 10' x 8' sliding glass door, elevation E, gourmet kitchen, and soft water loop.

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7601 E Indian Bend Road Unit 2006 Scottsdale, AZ 85250

$748,000

2 Beds

2 Baths

1,625 SqFt

Status Active

MLS # 6733282

Property Type Apartment

Price Type --

Luxury condo living with breathtaking views in the prestigious gated community of Corriente! This charming condominium offers an open floor plan with split bedrooms +den. Spacious great room features a two-way gas fireplace and newly installed ceiling fans, laminate flooring stretches through the living areas and bedrooms, providing a sleek and contemporary feel. The kitchen is a chef's delight with a newly replaced gas stove, over-the-range microwave, and kitchen sink. Primary bath offers a spa-like experience with separate tub and shower, dual sinks, walk-in closet, and brand-new toilet. Assigned underground parking (2 spots) located just steps from the elevator. Enjoy resort-style amenities including a Clubhouse, Fitness Center and Pool & Spa. Don't miss this opportunity!

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4407 W Waltann Lane Glendale, AZ 85306

$748,000

3 Beds

2 Baths

2,124 SqFt

Status Active

MLS # 6729262

Property Type Single Family Residence

Price Type --

Experience the allure of Sunburst Farms in this spacious 2,000 sq ft single-level home on a generous .83-acre lot. Offering a serene and peaceful retreat. Surrounded by mature shade trees, enjoy relaxing on the large front porch in this quiet haven. The expansive backyard with RV parking provides ample space for outdoor enjoyment. Inside, discover tasteful updates including tile flooring, granite counters, a tile walk-in shower in the primary bath, and large windows that flood the home with natural light and picturesque views. Don't miss this exceptional opportunity!

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37408 N 240th Drive Morristown, AZ 85342

$748,000

3 Beds

3 Baths

2,621 SqFt

Status Active

MLS # 6731330

Property Type Single Family Residence

Price Type --

Home has free internet, internet pole on property has a transferable agreement with Phoenix internet providing a monthly income. Main home has two bedroom two bath, granite countertops, tile floors throughout, built-in coffee pot, two-car garage attached, soak in tub, wood blinds, all appliances. Attached casita / mother-in-law quarters one bedroom one bath, kitchen has a cooktop stove only, built in coffee maker, handicap Jacuzzi tub, one car attached garage for your own private entry. Great private courtyard with pavers. Property is 1.25 acres, shared well has total of four homes. Property is fenced. 20 ft conex for feed and tack, horse area fenced. Bring your horses and toys / ATVs riding right out your door. RV pedestal accommodates two RV hookups 30 amp and 50 amp, sewer and water. Great spot for ropers not far from Dillons, Horns and Hooves arenas, and 20 minutes from Wickenburg. Home is wired for solar and security system but not installed and is ready for final installation if desired by new owner.

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985 S Vulture Mine Road Wickenburg, AZ 85390

Open House

$748,000

4 Beds

2 Baths

2,445 SqFt

Status Active

MLS # 6669013

Property Type Single Family Residence

Price Type --

Step inside & be greeted by a large great room featuring a cozy fireplace, the master suite boasts a generous walk-in closet, smart/utility room that can be used as an office or crafting space, kitchen is equipped with stainless steel appliances & ample counter space, from the kitchen enjoy outdoor living on the expansive deck overlooking the spool/pool complete with jets & scenic mountains, the finished walkout basement is Ideal for guests that offers additional living space and includes a bonus room that can be used as a home office or extra bedroom, RV garage 24 x 36 complete with a hoist for overhead storage & a convenient air hose, 4 horse pens, 1 RV plug-in, new roof underlayment was installed in 2022 ensuring peace of mind for years to come, room for all your hobbies & toys

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347 E Bracciano Avenue Queen Creek, AZ 85140

$747,881

2 Beds

2 Baths

1,882 SqFt

Status Active

MLS # 6716802

Property Type Single Family Residence

Price Type --

Indulge in the epitome of refined living with this exquisite 2 bed, den, 2 bath home, boasting over 1,882 sq. ft. of luxury and elegance. From the moment you step inside you'll notice this Refresh plan has detail found throughout. The heart of the home is a culinary enthusiast's dream - a gourmet kitchen that exudes sophistication with its pristine white cabinets and an impressive array of high-end stainless steel appliances. Whether you're whipping up a quick breakfast or preparing a lavish feast, this kitchen is sure to inspire your inner chef. The thoughtfully upgraded baths elevate your daily routine to a spa-like experience, featuring tasteful finishes and modern fixtures. Imagine unwinding in the serene ambiance of your master bath after a long day. This home is ready for you!

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