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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52019 N Forepaugh Peak Road Wickenburg, AZ 85390

$749,500

3 Beds

2 Baths

1,589 SqFt

Status Active

MLS # 6642022

Property Type Single Family Residence

Price Type --

Hey y'all, kick off your boots and mosey on over to this 3-bed, 2-bath gem on 5.49 acres in the heart of Forepaugh. It's not just a house; it's a home tailor-made for the laid-back horse lover who's into a bit of roping, barrel racing, and trail riding. This place sits pretty on the paved road and comes with all the fixin's: a 3-car garage with mini-split A/C, a 3-stall shedrow barn, and a 50 amp RV hookup for those winter visitors. The inside's got all the modern bells and whistles - All NEW appliances, NEW AC, NEW hot water heater and in 2017 a NEW roof . But let's talk cozy: there's a propane fireplace for chilly nights and an above-ground hot tub for kicking back under the stars after a day in the saddle. Now, picture this: you can ride straight from your front door to state land, gather your buddies for some laid-back roping, or tear it up in barrel racing. Heck, you can even ride on over to the mailbox for your mail - the old-fashioned way. The views around here are downright spectacular, providing the perfect backdrop for your daily rides and evening chill sessions. And let's not forget the neighborly vibes - this community is all about good times and horsin' around. So, if you're lookin' to trade city lights for starry nights and want a place where modern comfort meets cowboy cool, reckon it's time to check out this Western haven. Call to arrange your visit, and let's make this your home on the winter range.

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1723 E Kenwood Street Mesa, AZ 85203

New

$749,500

4 Beds

3 Baths

2,760 SqFt

Status Active

MLS # 6776792

Property Type Single Family Residence

Price Type --

This well-maintained, original-owner residence offers 4 bedrooms plus a den/office, 2.5 baths, a 3-car garage, saltwater 19,000 gallon pool & a low-maintenance, desert landscaped yard. Upon entering, you'll find a spacious versatile room that can be used as a hobby room, home gym, playroom, or formal sitting/dining area. The kitchen is a chef's dream, featuring granite countertops, abundant wood cabinetry, recessed lighting, stainless steel appliances, and a center island with a breakfast bar. Adjacent to the kitchen is a generously sized laundry room wi/ a walk-in pantry, offering extra storage and convenience. The den provides additional space for work or relaxation. The primary bedroom offers a private en-suite bathroom with dual sinks and a huge walk-in closet. The home boasts numerous upgrades, including an added 2 inches to the garage, spray foam insulation throughout, two 3-ton HVAC units, granite countertops, and wood flooring. The bathroom and closet were remodeled just 3-4 years ago, and the roof underlayment has been recently replaced. A paved side entrance adds further convenience. The family room features vaulted ceilings and a cozy fireplace, perfect for gatherings. The backyard is an inviting space with a covered patio, saltwater, diving pool and plenty of room to enjoy your personal outdoor oasis. Located in a gated community close to parks, restaurants, airports, and more, this home is a perfect blend of comfort and convenience. Don't miss this opportunity!

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20750 N 87th Street Unit 2077 Scottsdale, AZ 85255

Open House

$749,500

3 Beds

2 Baths

1,893 SqFt

Status Active

MLS # 6764296

Property Type Townhouse

Price Type --

Great mountain views from your over-sized private balcony. This luxury townhome located in the Encore Community of Grayhawk has a spacious open floor plan, freshly painted 2024, new lighting, plantation shutters and much more. Just steps to Isabella's Kitchen & a short walk to DC Ranch Market Street shops & restaurants. Community offers swimming pool, spa, and fitness room. The kitchen features upgraded cabinets w/ an expansive breakfast bar & stainless-steel appliances. Spacious primary suite boasts mountain views, private patio access and large walk-in closet. Upgraded bathrooms feature custom fixtures and raised countertops. One of the largest split floor plans, open living space make this a perfect home for entertaining and vacationing! Epoxy floor finish in the attached 2 car garage

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9808 S 37th Drive Laveen, AZ 85339

Open House

$749,402

4 Beds

3.5 Baths

2,966 SqFt

Status Active

MLS # 6709041

Property Type Single Family Residence

Price Type --

Charming new, single-level home in Laveen's new neighborhood, Ridge at Whispering Hills. Located at the base of South Mountain, Whispering Hills offers easy access to recreation, walking and biking paths, and private gated access. The 4 bedroom home features designer selections throughout including an executive kitchen with double ovens, Delicatus white granite in the kitchen, white painted cabinets, and two tone paint, natural tan and snowbound. Other features include an extended primary suite, a frameless walk-in shower, a shower at the secondary bath, a garage service door for the attached 3 car garage, and upgraded tile and carpet throughout.

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7430 W Whitehorn Trail Peoria, AZ 85383

Open House

$749,190

5 Beds

3 Baths

2,837 SqFt

Status Active

MLS # 6764460

Property Type Single Family Residence

Price Type --

November completion on this brand-new home! This community boasts breathtaking views and is conveniently located minutes away from shopping, dining, hiking trails and more! Our popular 'Stork' floorplan features 5 full bedrooms plus a game room and a multipurpose room, 3 bathrooms, 2 Car-Garage and a private yard with views! Designer selected finish includes Burlap Cabinetry, Quartz Kitchen Countertops, Wood Like Tile Throughout, and Plush Carpet in all the bedrooms. This beautiful home will have it all including 8' doors, Gourmet Gas Kitchen, Smudge Proof Stainless Steel Appliances, Blinds, Pre-Plumb for Soft Water, and Smart Home Technology. Home is under construction, estimated photos of similar spec home to show layout, options may vary**

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4061 W Bonnie Lane Queen Creek, AZ 85144

$749,000

4 Beds

3 Baths

2,766 SqFt

Status Active

MLS # 6749437

Property Type Single Family Residence

Price Type --

BRAND NEW Construction w/ Custom-Quality Upgrades! This beautiful Modern Farmhouse is located on a 1.25 ACRE of FENCED Horse Property. Gourmet Kitchen w/ WOLF Appliances, high-end Cabinets w/ 42'' uppers, White Quartz Countertops, Built-in Stainless-Steel pull-down Microwave & Wood Plank Tile Floors. Stunning Master Bathroom w/ Freestanding Soaking Tub, BEACH ENTRY Shower & Double Vanities. Exceptional Energy Efficient - boasting Spray Foam Insulation, Premium Trane AC units & High-end Windows. Superior Construction & Craftmanship includes Premium Roofing System, Premium Synthetic Stucco & much more! Estimated completion date in DEC!

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4469 W Bonnie Lane Queen Creek, AZ 85144

$749,000

4 Beds

3 Baths

2,766 SqFt

Status Active

MLS # 6748687

Property Type Single Family Residence

Price Type --

BRAND NEW Construction w/ Custom-Quality Upgrades! This beautiful Modern Farmhouse is located on a FENCED 1.25 ACRE of Horse Property. Gourmet Kitchen w/ WOLF Appliances, high-end Cabinets w/ 42'' uppers, White Quartz Countertops, 36'' WOLF Gas Cooktop & Range, Built-in Stainless-Steel pull-out Microwave & Wood Plank Tile Floors. Stunning Master Bathroom w/ Freestanding Soaking Tub, BEACH ENTRY Shower & Double Vanities. Exceptional Energy Efficient - boasting Spray Foam Insulation, Premium Trane AC units & High-end Windows. Superior Construction & Craftmanship includes Premium Roofing System, Premium Synthetic Stucco & much more! Estimated completion date in Dec.

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1 County Road 1000 -- Greer, AZ 85927

$749,000

4 Beds

2 Baths

2,010 SqFt

Status Active

MLS # 6527284

Property Type Single Family Residence

Price Type --

Escape to one of Arizona's small & charming towns just 26 miles from Sunrise Ski Resort & 37 miles to Hon-Dah Casino! 2 beautiful acres located in the heart of the village within walking distance to the stream, shops & restaurants. Great layout, many upgrades throughout the cabin. Large yard with tasteful stone accent walkway & stone/beam fencing. Excellent history as a successful short term rental.. A new tree house complete with a worm digging station and zip-line. A new, creek-fed pond was just dug out on the second acre & it is zoned to allow horses. You're in for a wonderful adventure & serenity with this 4-bedroom, 2-bathroom. Perfect home, vacation rental or investment opportunity- find out why everyone falls in love with this adorable mountain escape!

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Show Low AZ 85901

$749,000

3 Beds

2 Baths

1,827 SqFt

Status Active

MLS # 6761570

Property Type Single Family Residence

Price Type --

Brand New Home in the highly sought after community of Torreon with amenities that are second to none! Nestled on a nicely treed cul-de-sac lot with paver driveway, no maintenance smart siding, covered front & back decks, alder cabinets, Trex decking, 8ft alder doors, Quartz countertops, Gas FP & more!

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1319 W Rhea Road San Tan Valley, AZ 85144

$749,000

3 Beds

2 Baths

2,286 SqFt

Status Active

MLS # 6711787

Property Type Single Family Residence

Price Type --

FREE 2 YEAR HOME WARRANTY! 1319 W Rhea Rd was built in 2022, is near scenic BLM land and is fully landscaped, sitting upon over 1.5 acres with NO HOA. This move-in ready home with horse property potential has it all AND room to add a casita! Curb appeal greets you upon arriving, then take notice of the air conditioned 3.5 car garage - ideal for storage, hobbies, or additional vehicles. You'll pass by a covered front porch on your way inside, then enjoy the abundance of natural light, gorgeous tile flooring, neutral color palette and tasteful upgrades. Upon entering there's a den/office immediately to your left, and a huge open concept living/dining area which shares space with the immaculate kitchen. This kitchen features stainless steel, professional grade appliances worth nearly $30k, an expansive island, ample counter surface and a number of cabinets providing all the storage you'll ever need. And a pantry to boot! Near the laundry room, you'll find two secondary bedrooms about equal in size. The primary bedroom accommodates large furniture and boasts a luxurious en suite bathroom with double sinks, spacious shower, and a massive walk in closet. The enormous backyard features a lengthy covered patio, more dreamy mountain views, is landscaped to perfection and has TWO RV gates. Privacy, acreage, and upgrades in a newly constructed home - what more could one need?! Make this your home sweet home today!

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14100 S Calera Road Arizona City, AZ 85123

$749,000

3 Beds

2.5 Baths

1,283 SqFt

Status Active

MLS # 6771321

Property Type Single Family Residence

Price Type --

Income-Generating Property with Endless Possibilities! Looking for a lucrative investment opportunity? This 4-plex is your chance to either live in one unit and let the others cover your mortgage or own a property that generates steady passive income. Each spacious unit features 3 bedrooms, 2.5 baths, and a private garage. Three of the units are equipped with newer HVAC systems for added comfort and efficiency. Added front landscape and freshly painted exterior makes this a turn key property. Situated on an oversized lot, this property offers potential for even greater returns—consider the possibility of adding an additional unit or another property on the back portion of the lot. The prime location only enhances its investment appeal. Don't miss out on this exceptional opportunity.

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8536 E Mariposa Drive Scottsdale, AZ 85251

$749,000

3 Beds

2 Baths

1,619 SqFt

Status Active

MLS # 6750669

Property Type Single Family Residence

Price Type --

Welcome to this beautifully remodeled home nestled in the heart of Old Town Scottsdale. This charming residence, boasting 3 cozy bedrooms and 2 modern bathrooms, is a perfect blend of comfort and style. Step outside to enjoy the luxury of a private, heated pool, ideal for relaxation or entertaining. Situated in a prime location, this home is just moments away from the vibrant scenes of Scottsdale, including the renowned Fashion Square Mall and a plethora of exquisite dining options. Additionally, this property currently serves as a lucrative short-term rental, offering a fantastic income-generating opportunity. Don't miss out on the chance to own a piece of Scottsdale's finest living.

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