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

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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20850 E Tara Springs Road Black Canyon City, AZ 85324

New

$748,000

4 Beds

4 Baths

3,510 SqFt

Status Active

MLS # 6784457

Property Type Single Family Residence

Price Type --

This one of a kind legacy home is ready for new loved ones! This is THE property for the multi-generational buyers who dream of homesteading, horses and regrounding themselves in a peaceful lifestyle. Property offers two separate living quarters complete with two kitchens, four bathrooms and all of the bedrooms needed for your new dream. Surrounded by majestic mountain views, this horse property is optimally situated on 2.77 acres backing the Agua Fria River with desert landscaping for easy maintenance. Covered front patio and back deck, garage, storage shed/tack shed and a brand new roof! If you need a quiet lifestyle that's not too far away from the city, Welcome Home!

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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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2045 Bella Vista Loop Williams, AZ 86046

$747,500

4 Beds

2.5 Baths

2,049 SqFt

Status Active

MLS # 6669032

Property Type Single Family Residence

Price Type --

New luxury homes on 5-12 Acres. SELLER TO BUY DOWN BUYERS INTEREST RATES. Bring your rustic side to this modern ranch-style, 4 bedroom retreat set on Coconino acreage. The ''Hillcrest'' base model features a spacious 2049 sq ft floorplan with split bedrooms divided by the kitchen/living area. The open living room & kitchen has a large waterfall island, tile backsplash & a walk-in pantry. Features also include dual paned windows, an extended length 3-car garage & large covered back patio. Red Lake Mountain Ranch is a gated paradise placed between Williams and the Grand Canyon National Park. Subdivision covers 320AC, 54 unique home sites from 5 to 12 acres, each with its distinctive terrain and panoramic views. 5000 Gallon Cistern. Owner/Agent Listing. Legal Desc. to be confirmed by title.

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7086 E Whispering Mesquite Trail Scottsdale, AZ 85266

$747,000

2 Beds

2 Baths

1,410 SqFt

Status Active

MLS # 6779584

Property Type Single Family Residence

Price Type --

Updated 2/2 Arbor Model in Terravita! North/South Exposure with Views of Black Mountain. Perfect as Second Home or Vacation Rental. Gas Fireplace, 14-Foot Ceilings, and Large Windows add to the Open Feeling. Located On Cul-De-Sac Lot Close to Clubhouse Amenities. Home Ownership in Terravita Includes 24-Hour Guard Gated Security. Social Membership Managed by Troon with Access to Many Activities Including Restaurant, Tennis Court, Heated Pool/Spa, Pickleball Court, Activity Center with Classes and Art Room, Fitness Center. Separate Private Golf Membership Available. Can Be Purchased Turnkey with Furnishings Available on Separate Bill of Sale. See List of Updates in Documents

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23108 N Pedregosa Drive Sun City West, AZ 85375

$747,000

3 Beds

2.5 Baths

2,443 SqFt

Status Active

MLS # 6761535

Property Type Single Family Residence

Price Type --

Welcome to your dream home in the prestigious, age restricted community of Corte Bella Country Club. This FULLY FURNISHED gem overlooks the 6th fairway, offering breathtaking golf course view and spectacular Arizona sunsets. Kitchen features warm wood cabinets, granite countertops, double ovens, gas range, pantry with a view of the great room with cozy fireplace. Split bedroom layout for added privacy! The primary features a bay window, en-suite bath w/dual sinks, jetted tub, walk in shower & spacious closet. 2 Guest rooms on opposite side of house w/guest bath conveniently situated between them. 1/2 Bath added to Laundry Room. Glass doors make the Den versatile! You will love OUTDOOR LIVING on covered patio complete w/ natural gas BBQ and those VIEWS! HUGE extended garage w/cabinets! Enjoy the luxurious lifestyle and amenities that Corte Bella Country Club has to offer!

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8875 E Conquistadores Drive Scottsdale, AZ 85255

$747,000

3 Beds

2 Baths

1,835 SqFt

Status Active Under Contract

MLS # 6741148

Property Type Single Family Residence

Price Type --

Nestled in the heart of North Scottsdale, this charming single-family home offers a perfect blend of comfort and functionality. The property features two spacious bedrooms and a versatile office space, ideal for remote work or a hobby room. The interiors have been lightly updated to retain their classic charm while providing modern conveniences. As you step inside, you're greeted by an inviting living area with abundant natural light and a cozy atmosphere. The kitchen, equipped with updated appliances and ample counter space, is perfect for both everyday meals and entertaining guests. The adjacent dining area offers a seamless flow for gatherings and family dinners. The master bedroom serves as a tranquil retreat, complete with an en-suite bathroom and generous closet space. ......The second bedroom is equally spacious and shares a well-appointed bathroom with the office, which can easily be converted into a third bedroom if needed. Outside, the low-maintenance backyard offers a private oasis with a patio area perfect for outdoor dining or relaxation. Mature landscaping provides shade and adds to the serene ambiance of the property. Located in a desirable neighborhood, this home is close to top-rated schools, shopping, dining, and outdoor recreational opportunities, making it an ideal choice for anyone looking to enjoy the best of North Scottsdale living.

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