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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4618 E Desert Lane Gilbert, AZ 85234

$749,900

5 Beds

3 Baths

3,275 SqFt

Status Active Under Contract

MLS # 6728426

Property Type Single Family Residence

Price Type --

Ideal corner lot location backing to the 2nd hole of award winning, Superstition Springs Golf Course. Larger than average lot and only one shared boundary. Imagine your outdoor entertainment possibilities as guests spill from your beautiful kitchen out on to this ample quarter-acre lot, where privacy meets endless fun - or serenity. This expansive outdoor space is perfect for playtime in the pool, games in the backyard, gardening, or simply soaking in the stunning scenery through your view fence. Imagine summer barbecues, peaceful mornings with a cup of coffee, and plenty of room for your family and pets to roam free. Inside the home features a first floor bedroom and bathroom, plus a second floor primary suite with private balcony, three spacious guest bedrooms, and guest bathroom.

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1215 E Kramer Circle Mesa, AZ 85203

$749,900

5 Beds

3 Baths

3,960 SqFt

Status Active Under Contract

MLS # 6749977

Property Type Single Family Residence

Price Type --

Welcome to your dream home nestled in a highly sought-after neighborhood! This stunning 4-bed + Den & 3-bath gem offers an expansive 3,960 square feet of luxurious living space and has been meticulously updated to provide the ultimate in comfort and style. Built in 2001, this home exudes timeless appeal while featuring modern enhancements that truly set it apart. Step inside to discover a freshly painted interior that perfectly complements the brand-new carpet and flooring throughout. The heart of the home boasts beautifully painted cabinets with new hardware, light fixtures, and pulls, adding a touch of contemporary elegance to your daily living experience. The spacious and airy living areas are perfect for both entertaining and cozy family nights. You'll appreciate the recently serviced A/C units that ensure year-round comfort, no matter the season. The upstairs hall bath has been tastefully refinished, providing a spa-like retreat for relaxation. Your backyard oasis awaits with a pristine pool that has been drained, cleaned, and refilled, ready for endless days of fun and relaxation. The garage door has been expertly repaired, adding functionality and curb appeal to this already impressive property. Don't miss the opportunity to make this turnkey home your own. Every detail has been thoughtfully considered and upgraded, making this residence truly move-in ready. Experience the perfect blend of luxury and convenience in a space designed for making memories. Seize the chance to bask in this meticulously cared-for residence, where every update has been executed with precision and care. Envision the endless possibilities that await at your new home sweet home!

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29040 N Brenner Pass Road San Tan Valley, AZ 85144

$749,900

4 Beds

2.5 Baths

2,534 SqFt

Status Active Under Contract

MLS # 6753124

Property Type Single Family Residence

Price Type --

Wonderful semi-custom home on a fully fenced 1.33 acre property nestled in the San Tan Mountains with amazing mountain views. This 4 bedroom, 2.5 bath home features upgraded extended tile floors throughout & carpet in the bedrooms. Your gourmet kitchen has beautiful white cabinets, granite countertops with custom backsplash, RO system, large pantry, pendant lighting & oversized two-tone breakfast island overlooking your great room, which is perfect to entertain in. Primary bedroom has amazing views out back & bathroom has walk-in closet, colored marble double sinks, custom tiled bathtub & separate walk in shower with rainfall shower head, surrounding tile & stone. Other bedrooms are generous in size & you have upgraded secondary bathrooms. Home has custom two-tone paint throughout, ceiling fans in all the rooms, blinds throughout, custom barn door in guest bedroom, water softener & drinking filter system. Great inside laundry room with so much space & separate sink area. Your 4 car extended length garage is perfect for all your toys. This home has privacy & great 360 degree views all around. Your extended paver covered patio is great for backyard BBQ's & overlooks your large grassy area & desert landscaping. Did I mention the amazing closeup mountain views! This home has a private well with a connected water tank. Close but not too close to town and no HOA. Enjoy quiet living with the space, hop on your horses or go on an amazing walk around the San Tan Mountains Regional Park area with over 10,000 acres of desert with hiking/biking trails & a visitors center with wildlife exhibits, Too much to list, come check it out today!

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24710 N 27th Place Phoenix, AZ 85024

$749,900

4 Beds

2.5 Baths

2,733 SqFt

Status Active

MLS # 6713863

Property Type Single Family Residence

Price Type --

Inside Photo's show current paint and if re-painted**Gorgeous two-story home nestled in the desirable community of Desert Peak with mountain views and indoor-outdoor resort-style living. This spacious 4 bedrooms/2.5 bathrooms with 1 bedroom/den & 1/2 bath located downstairs flows seamlessly from room to room. Head upstairs to a large loft, master suite & bath, 2 bedrooms & second bathroom. Large master suite with walkout patio to enjoy the Arizona sunsets, master bathroom vanity has double sinks, separate shower, relax while soaking in the jetted garden tub. Nice size master walk-in closet will check all your boxes! Loft that you can use as a game room, office or whatever your heart desires. Gorgeous eat-in-kitchen is fit for entertaining and features granite counter tops, island for extra prep & storage, stainless steel appliances, gas stove, two wall convection ovens, R/O drinking water system. Ceiling fans & all windows throughout are tinted to help keep energy cost down. Resort-style desert oasis backyard features covered patio, tile and cool decking throughout the back yard, sparkling gas heated pool and relax in the hot tub under the stary nights. This home is ideally located less than a few minutes from Route 101 & 51, premier dining, shopping, entertainment and much more. This home is truly a must see! Don't miss your chance to own this distinctive home and start making heart warm memories with your friends and family!

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15239 W Colt Lane Sun City West, AZ 85375

Open House

$749,900

3 Beds

2 Baths

2,375 SqFt

Status Active

MLS # 6779063

Property Type Single Family Residence

Price Type --

Your DREAM retirement haven is here! This gorgeous home is nestled on a quiet cul-de-sac, backing to the fantastic golf course. Its charm starts a well-manicured desert landscape and a 2.5 car & golf cart garage w/attached cabinetry. The home exudes elegance with a double-door front entry, skylights, plantation shutters, vaulted ceilings, tons of natural light, warm neutral paint, surround sound, stylish light fixtures, and tile/carpet throughout. You'll LOVE the cozy dining space with a custom built-in wine rack & storage, and the large living room with a tray ceiling & entertainment center! The gourmet kitchen boasts granite counters, travertine tile backsplash, recessed & pendant lighting, a center island, and peninsulas w/breakfast bar. Its plethora of cabinetry ensures ample storage. Just off the front entry is an open den with a built-in desk & cabinetry! Enter the main bedroom to find sliding doors to the back and a lavish ensuite with dual granite sinks, travertine tiled shower, & a walk-in closet. Discover the backyard, your perfect retreat! Designed for year-round enjoyment, it features a pool, an extended covered patio, and a built-in BBQ grill. Enjoy the tranquil vistas, which provide an amazing backdrop for your living experience! Located in the 55+ Sun City west with RESORT-STYLE amenities, all contributing to a vibrant & active lifestyle. See it! Love it! Live it!

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7313 E Valley Vista Drive Scottsdale, AZ 85250

Open House

$749,900

3 Beds

2 Baths

2,307 SqFt

Status Active

MLS # 6720515

Property Type Single Family Residence

Price Type --

$69K REDUCTION Immerse yourself in this premier gated subdivision in the heart of the Scottsdale Resort Corridor At home, step inside and discover this single level space with soaring ceilings and an abundance of natural light. Enjoy entertaining friends in your large open great room with its classic and cozy gas fireplace or move to the South facing backyard complete with outdoor fireplace, Camelback views, brick paved patio, built in BBQ and Pebbletec pool with water feature This move in ready home offers a new roof, new paint inside and out, new hot water heater and carpeting in all three bedrooms The large eat in kitchen has storage to spare and a charming shady side patio. Don't miss your chance to own this fantastic full time home or seamless lock and leave in the Heart of Paradise

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5743 S Crowley -- Mesa, AZ 85212

Open House

$749,900

2 Beds

2.5 Baths

2,686 SqFt

Status Active

MLS # 6721139

Property Type Single Family Residence

Price Type --

**Seller incentive of 2025 HOA fees paid in full** Welcome to this Elegant 2686 Sqft, 2 Bedroom +Den, 2.5 bath, 3 car garage Gem in the highly sought after 55+ Encore at Eastmark community! Step inside through the custom security door and you will be greeted with 10 ft. ceilings, 8 ft. doors, tasteful light 12x24 tile throughout the main living, custom white shutters and recessed lighting! Double doors lead to the well-appointed den featuring wood laminate flooring, ceiling fan and shutters. Adjacent to the den sits the spacious secondary bedroom boasting an oversized arched window with shutters, private ensuite and walk-in closet. Passing the open dining room you will step into the gorgeous gourmet kitchen featuring an oversized kitchen island with breakfast bar, tasteful pendant lighting, light quartz countertops, a stainless steel sink with RO system, soft water throughout the home, 42 soft close white shaker cabinets with lower pull out drawers, stainless steel appliances, built in oven and microwave, a five burner gas cooktop, built in microwave, Carrara marble backsplash, large walk in pantry with space for a mud room! The intimate courtyard extends your entertaining space and boasts a covered alum wood pergola, soothing water feature and mature foliage for extra privacy. The great room has been extended 4 feet allowing for extra living space and features surround sound. The owners suite presents a large soaking garden tub with neutral tile surround, separate shower with tile surround, sitting bench and glass doors, two separate vanities, a large walk in closet, linen closet and water closet. If you are looking for a hobby/storage room, the oversized laundry room features a wall of upper and lower white cabinets for ample storage! The well-manicured backyard sits on an oversized lot and features a covered patio with 4 foot extension, prewire for ceiling fans, epoxy flooring, synthetic grass with paver border, mature foliage, paver pathway to the courtyard and a shed for additional storage.

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7942 E Moreland Street Scottsdale, AZ 85257

$749,888

4 Beds

3 Baths

1,900 SqFt

Status Active

MLS # 6736790

Property Type Single Family Residence

Price Type --

Wow! Located near Old Town Scottsdale, you have to see this 4 bed, 3 bath home to believe it. The property boasts a rare, 800+ sq. ft. guest house (built in 2017)! Offering approx. 1,900 sq. ft. of living space, the main residence has been remodeled & features glossy floors, modern recessed lighting, & vaulted ceilings. The large great room benefits from natural light & is perfect for entertaining. The primary bedroom is nice! It features a kitchenette, walk-in closet, & ensuite with dual-vanities & a standalone tub as well as its own exit to the outdoors. The backyard has a covered patio & sitting areas with pavers. Like we said, this property has to be seen. With its rare features, great freeway access, & location near retail, dining, & entertainment galore, this is a unique find!

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7343 E Marlette Avenue Scottsdale, AZ 85250

$749,888

3 Beds

2.5 Baths

2,876 SqFt

Status Active

MLS # 6726021

Property Type Single Family Residence

Price Type --

Lean into a cool, late mid-century vibe with high ceilings in the main living room and a fabulous sunken bathtub. PLUS a retro wet bar to delight your guests! The kitchen is equipped with painted cabinetry, quartz counters & backsplash, SS appliances, and a peninsula w/a breakfast bar. Huge primary bedroom. Big closets and an extra half bath that most Briarwood homes don't have. Sunny, south backyard with covered patio, fire pit, and a refreshing pool/spa combo, this home is ready for move in or renovation!

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5922 S Boulder Street Gilbert, AZ 85298

Open House

$749,837

3 Beds

2.5 Baths

2,585 SqFt

Status Active

MLS # 6774466

Property Type Single Family Residence

Price Type --

Beautiful, new, 2-story home on a corner homesite in Gannet at Waterston Central. Loaded with designer features, this spacious home has it all. The kitchen boasts a gas cooktop with a separate wall oven and microwave, custom backsplash, and quartz countertops. Other features include cabinets and a sink in the laundry room, a frameless walk-in shower with custom ceramic tile in the primary bath, maple/mission stair rails, maple buckskin cabinets, and a 16' center pull sliding door to the patio! 6 x 36 ceramic tile flooring and upgraded carpet can be found throughout. The home is on a soft water loop, has an extended covered patio, and a garage service door to the attached 2-car garage.

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10304 W Pinnacle Vista Drive Peoria, AZ 85383

Open House

$749,800

4 Beds

3.5 Baths

3,187 SqFt

Status Active

MLS # 6775120

Property Type Single Family Residence

Price Type --

Tucked in the highly desirable NORTHLAND PASSAGES community, this expansive family retreat offers breathtaking 360-degree mountain views and is just steps away from the peaceful Northlands Park. This impressive two-story home greets you with a meticulously crafted front courtyard, complete with custom gates and an elegant wrought-iron front door. Inside, the gourmet kitchen boasts sleek white cabinetry, a farmhouse sink, and top-tier stainless steel appliances. Plantation shutters throughout! Featuring 4 generous bedrooms, 3.5 well-appointed bathrooms, and 2 adaptable spaces ideal for teens, hobbies, or a home office, this residence provides ample flexibility for your lifestyle. Plantation shutters throughout, soft water loop, reverse osmosis EV Charger, Upgraded Electrical Systems

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20179 W San Juan Avenue Litchfield Park, AZ 85340

$749,701

4 Beds

3 Baths

3,147 SqFt

Status Active

MLS # 6572417

Property Type Single Family Residence

Price Type --

Open-concept, 3,147 square foot home with the perfect amount of space to in all the right places and is located on a N/S 9,143 square foot homesite with an 8' double gate. 4 bedrooms + study + retreat. 3 car tandem garage provides much desired storage space. The extended covered patio gives you extra room for outdoor entertainment and backyard is large enough for a pool. Gourmet kitchen with gas cooktop, upgraded cabinets and countertops with custom backsplash, upgraded flooring through out are just some of the custom choices that make this home a must see!

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