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

907 & 911 E Goodwin Street Prescott, AZ 86303

$745,000

4 Beds

2.5 Baths

2,161 SqFt

Status Active

MLS # 6746779

Property Type Single Family Residence

Price Type --

INVESTOR'S ....This has VRBO, Air B&B, or Long Term Rental written all over it!!! Here we have 2 separate units less than ½ mile/5 minutes from the Prescott Square in Historic Prescott, Arizona!!! Both properties, basically a Duplex, are on a .16 acre lot that cannot be split.....911 Goodwin was built in 1953 as a single story cottage, has 1009 Square Feet, 2Bedrooms/1Bathroom, Original Wood Floors, Painted Cabinetry, Tile countertops, Newer Wall furnaces, & Laundry Room....907 Goodwin was built in 2007 as a 2 story home, has 1152 Square Feet, 2bedrooms/1.5bathrooms, with New Vinyl windows, Luxury Vinyl Flooring, White Cabinetry, Granite Tile Countertops, Open Deck, & Laundry Room. Off-street parking only with no garages. Bedrooms for 907 are upstairs with full bath & dual sinks. Backyards are both fenced, & both have been recently painted and roofed. Must see to appreciate.

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9922 W Jessie Lane Peoria, AZ 85383

$745,000

3 Beds

2.5 Baths

2,422 SqFt

Status Active

MLS # 6759928

Property Type Single Family Residence

Price Type --

Home is here!! This all single story community at Sunset Ranch next to the highly desirable Meadows Community in North Peoria offers great curb appeal, easily manicured landscaping, a 3 car garage AND HOA approved RV gate/parking. The impressive interior boasts a spacious open layout with separate living & dining areas, den with double barn doors that could be an extra bedroom or an office, tall ceilings with crown moulding, wood-look plank tile flooring, soft carpet, and neutral paint throughout. The kitchen features staggered cabinets with more crown moulding, matching appliances, ample counters and an island with breakfast bar. The large owner's suite has outdoor access, seating area, and an ensuite with dual porcelain vessel sinks, a separate tub & shower, and a walk-in closet. The entertainer's backyard is comprised of an extended covered patio, a built-in eat-in bar, attached pergola, year-round lush green lawn and a crystal blue pool. Cap all those features off with neighborhood amenities, including a pickleball courts, playgrounds, walking paths and more! Hurry and make an offer, this home won't last!!

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8628 W Solano Drive Glendale, AZ 85305

$745,000

4 Beds

3.5 Baths

3,704 SqFt

Status Active

MLS # 6763308

Property Type Single Family Residence

Price Type --

MLS#6763308 The two-story Hampton is sure to impress, featuring four bedrooms, four baths, and a three-car garage. Upon entering through the front door, you'll be welcomed by a grand foyer that leads to a dedicated formal dining room, perfect for hosting events. The Hampton showcases contemporary open-concept design, where the gourmet kitchen, casual dining area, and gathering room flow effortlessly together for modern living. Upstairs, you'll find the spacious owner's suite, complete with a cozy retreat, a luxurious bath, and a large walk-in closet. The second floor also includes three additional bedrooms, a shared bath, and a versatile loft space. Structural options include: gourmet kitchen, super shower at primary bath, 42'' upper cabinets.

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102 E El Caminito Drive Phoenix, AZ 85020

$745,000

3 Beds

2 Baths

1,967 SqFt

Status Active

MLS # 6772104

Property Type Single Family Residence

Price Type --

Highly upgraded custom home with private pool on a large 10,582 sqft lot. A custom steel enhanced door welcomes you into your private atrium/courtyard. Unique contemporary split floor plan loaded with custom finishes throughout. Modern kitchen features smooth black cabinets with pull outs & ups, lighted buffet wall, quartz counters, stainless tile back splash, double ovens, recessed lighting and skylight. Open great room with 12' ceilings and surrounded by walls of glass providing very Frank Lloyd Wright views of nature providing natural light, plants and water from both sides. 2 natural wood burning fireplaces included in the great room and master suite. Updated bathrooms with modern finishes and fixtures. Roof and AC are less than 2 years old. Fabulous entertainers backyard. No HOA! Backyard features a private pool, multiple sitting areas, large covered patio, natural gas grill, multiple storage rooms and access to the enclosed two car carport with electronic gate. There is a combination of synthetic and real grass, extended concrete and covered patio as well as raised paver sitting areas in the back. A custom staircase has been installed for easy roof access. There is a utility room off the back patio as well as a large storage shed behind the carport. New water main shut off, gas water heater. The front courtyard/atrium features a large water fountain in the center, mature landscaping, tile pavers, covered patio and custom lighting. Both the front bedroom and master suite are oversized rooms 14'x18' and also both have access to and views of the courtyard/atrium via sliding glass doors. Besides the views of the courtyard, the master suite also features a wood burning fireplace, 2 closets (1 walk-in) and private upgraded ensuite with access to the backyard, perfect for the pool goers. Washer, gas dryer and refrigerator included. AC has a 10 year warranty, 7+ years left transferable to the new buyer. This is a true custom home and a must see to appreciate!

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2585 N 165th Drive Goodyear, AZ 85395

$745,000

2 Beds

2.5 Baths

2,363 SqFt

Status Active Under Contract

MLS # 6726587

Property Type Single Family Residence

Price Type --

WOW! I Could Live Here!? Yes, Indeed. The Stunning Mirador Floor Plan, Impeccably Maintained, Updated, and Upgraded, Over-Looking a Spacious Common Area in PebbleCreek, The New Standard for 55+ Communities. The Upgrades are far too many to mention here. See the list in the Documents Section of the MLS. This luxurious Home on a Large Corner Lot is Perfect for Entertaining. 14 OWNED SOLAR Panels, 22 PRE-PAID LEASE SOLAR Panels, Lots of Extras. 2 Bedrm, 2.5 Bath, Den, Upgraded Kitchen Cabinets, R/O Water System, Extd Garage, Golf Cart Garage, Extd Patio. Motorized Sun Shade, Solar Tubes, Thermostatically Controlled Attic Exhaust Vent, Electronic Air Cleaners, Water Softener, Blackout Shades, Built-in Outdoor Kitchen, Garage Floor Coating, 3 HVAC Zones, Countless More Upgrades. Don't Miss it

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43127 N 14th Street New River, AZ 85087

Open House

$745,000

5 Beds

3 Baths

2,526 SqFt

Status Active

MLS # 6751802

Property Type Single Family Residence

Price Type --

Gorgeous New River Home with over $50k in upgrades!! Beautiful rustic home with large lot and dramatic mountain landscapes! Walk into the entrance by a draw bridge across true desert landscape into the front door you will notice the fireplace in the Great room overlooked by the expansive kitchen with full appliances. Tile throughout except master & 3 bedrooms. The master is split from 3 other bedrooms and features 1 bedroom with its own detached full bath, optional for guest use. All appliances included! The backyard is fully block fenced with an RV gate. Well is shared between & each individually metered, located on the corner of the property. Solar typically covers 10 months of electric bill for the year with 5 people use! The other 2 mo approx. $30 per mo. Come see for yourself!

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12073 W Desert Mirage Drive Peoria, AZ 85383

Open House

New

$745,000

3 Beds

2.5 Baths

2,341 SqFt

Status Active

MLS # 6783850

Property Type Townhouse

Price Type --

Remodeled great room plan is better than new! Updates in 2020 include cabinets, countertops, flooring, paint, room addition, wet bar, steam shower, sliding pocket doors, lighting, plus more. Tranquil outdoor space with ovesized patio, firepit, outdoor kitchen, fountain and above-ground spa. Room addition added 150 square feet livable space with custom walk-behind wet bar. Stylish entertainment wall with electric fireplace and smart tv. Nine foot sliding pocket door with auto screen. Light and bright kitchen with exquisite granite. Stainless KitchenAid appliances include gas stove & hood with a separate water spigot and wine refrigerator. All appliances included. Laundry room features 2020 Electrolux stack washer/dryer, sink and California Closets. Outside Living at its BEST with this spacious oversized yard Travertine tiled backyard & patio installed Mature Landscape has fully automated irrigation & lighting. Above ground Series 500 Joli - Vita Spa Built-in natural gas BULL BBQ center with beverage refrigerator Built-in natural gas FIREPIT Natural gas plumbed for 3 outdoor heaters. Easy hookup design. Water fall feature fully automated and side yard has separate storage area Steam shower in master bath with heated tile floors & seat Master closet is maximized by California cabinets Separate closet for additional storage Toto bidet toilet

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414 W Seagull Drive Chandler, AZ 85286

Open House

New

$745,000

3 Beds

2 Baths

2,181 SqFt

Status Active

MLS # 6783359

Property Type Single Family Residence

Price Type --

This stunning residence offers 3 bedrooms plus an optional den or 4th bedroom, a refreshing pool, and a 2 plus 1 car garages, all situated on a large lot in the sought-after lake community of Arden Park. Step inside to an open floor plan with soaring ceilings, a gourmet kitchen featuring an island and pantry, and a split floor plan for added privacy. New flooring flows throughout, adding a fresh and modern touch. The backyard is a true oasis, complete with a sparkling pool, covered patio, outdoor firepit, putting green, and lush landscaping—perfect for relaxation and entertaining. Just steps away, enjoy the community park and scenic lake. Conveniently located near the 202 & 101 freeways, Price Tech Corridor, Intel, Wells Fargo, Chandler Fashion Mall, and... ...top-rated Chandler schools, this home offers both lifestyle and location! This is an incredible opportunity to join this beautiful neighborhood at a great price. Don't miss it!

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16018 N 17th Way Phoenix, AZ 85022

Open House

$745,000

4 Beds

2.5 Baths

3,061 SqFt

Status Active

MLS # 6739357

Property Type Single Family Residence

Price Type --

*NEW* Seller is offering a 2-1 buy down for an accepted contract before 11/15/2024. Situated in a prime location less than one mile from the Lookout Mountain Circumference Trailhead, this expansive home boasts over 3,000 sq ft of living space with no HOA restrictions.The oversized primary suite is a true retreat, featuring plenty of flexible space and the ability to convert into two bedrooms. The home also offers a beautiful formal dining room for hosting family gatherings and entertaining guests. Hardwood floors flow throughout the main living areas, giving the home a warm and inviting feel. The large kitchen is a chef's delight, featuring ample prep and storage space and a central island, while the cozy living room includes a charming wood-burning fireplace. Step outside to your private backyard oasis, complete with a 60' x 11' covered patio, pool and high privacy walls making it the perfect outdoor space to entertain. Energy-efficient and cost-saving solar panels were installed on 11-2-23, reducing utility costs by over $1,200 in the first year.

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6132 N 11th Avenue Phoenix, AZ 85013

Open House

$745,000

4 Beds

3 Baths

2,083 SqFt

Status Active

MLS # 6768974

Property Type Single Family Residence

Price Type --

This stunning 1,801 sf red brick home with a pool and 282 sf casita is nestled in a quiet neighborhood, reflecting the historic charm of the area. In a highly sought after neighborhood tucked up next to the Palo Verde Golf Course, this location lends itself to quiet strolls enjoying it's sheer beauty. Take a step inside and you'll find this home has been updated with today's style in mind. Wood look tile, upgraded bathrooms and quartz countertops accent the space with elegance. You will want to spend most of your time in this amazing outdoor space. An oversized covered patio, large pool and lawn rounds out the experience. The 1 bedroom 1 bath casita with fridge and stove make this home a dream come true!

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11507 E Utah Avenue Mesa, AZ 85212

$744,990

6 Beds

4.5 Baths

4,173 SqFt

Status Active

MLS # 6696375

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 polishes chrome handles. With a 4 Panel Center slider off the great room, the space is bathed in natural light. Inside, find 6 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. Chrome 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, polished nickel cabinet hardware, quartz countertops, and designer tile backsplash. This home is the epitome of luxury and comfort.

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5738 S Crowley Street Mesa, AZ 85212

$744,900

2 Beds

2.5 Baths

2,686 SqFt

Status Active

MLS # 6771438

Property Type Single Family Residence

Price Type --

Welcome to your new home in the 55+ Encore at Eastmark Community! This stunning 2 Bed +Den, 2.5 Bath, and 3 Car Garage home offers a perfect blend of both comfort and modern living. Featuring an open floor plan, spacious living areas, an updated Kitchen with stainless steel appliances, soft close cabinets with custom lower pullouts, tile backsplash, and a built in fridge. At 2,686 sqft this home is built for both relaxation and entertainment. Highlights: Gourmet Kitchen- Bright and Airy Living Spaces- Living room extended for more interior space- Custom Primary Shower- Custom Storage added in Laundry and Primary Bath/Closet- Beautiful wood-look tile - Massive 12k+ Corner lot- Artificial Turf in Backyard- HOA approved cover over side courtyard Plus many more! Don't miss out!

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