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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20955 E Mayberry Road Queen Creek, AZ 85142

$739,000

5 Beds

4 Baths

3,158 SqFt

Status Active

MLS # 6712015

Property Type Single Family Residence

Price Type --

Discover this inviting 5-bedroom, 4-bathroom residence offering a perfect blend of luxury and comfort, ideal for both relaxation and entertaining. Nestled in a tranquil neighborhood, the home boasts a spacious and inviting layout with plenty of natural light throughout. The heart of the home is the upgraded kitchen, featuring top-of-the-line stainless steel appliances, custom cabinetry, a prep kitchen, oversized pantry, chef's stove, 2 ovens and elegant quartz countertops. It seamlessly flows into a cozy family room, creating an open-concept space perfect for gatherings. Upstairs you will find the large loft perfect for movie nights and 3 generously sized bedrooms with walk in closets and one bedroom with an attached bathroom. On the first floor the primary suite is a true retreat, complete with an en-suite bathroom featuring a walk-in shower, dual vanities and a dressing table. The fifth bedroom, also on the first floor, is the perfect retreat for guests with access to a semi-private bathroom. Step outside to your private oasis! The travertine tile patio is perfect for outdoor dining and lounging, overlooking a sparkling pool that promises endless summer fun. The beautifully landscaped yard offers a serene escape, perfect for both relaxation and entertaining guests. Additional features include a three car tandem garage, a spacious laundry room and a separate entry from the garage. This meticulously maintained home is move-in ready, offering a luxurious lifestyle in a sought-after location minutes away from Queen Creek Marketplace, area dining and quick access to local freeways. Neighborhood amenities include 2 large parks, green space, community grills, pickle ball and basketball courts. Don't miss the opportunity to make this exceptional property your own! This home is agent-owned.

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3113 E Boston Street Gilbert, AZ 85295

$739,000

4 Beds

2 Baths

2,524 SqFt

Status Active

MLS # 6779270

Property Type Single Family Residence

Price Type --

Welcome to this inviting 4-bedroom home (plus a flexible bonus room) nestled in one of Gilbert's most sought-after neighborhoods, just minutes from Agritopia, San Tan Village, and popular restaurants and shopping. The gourmet kitchen opens to a bright family room, complete with a gas fireplace. Enjoy cooking with new Bosch stainless steel appliances, including a new microwave (2024) and new double ovens (2021). The primary suite provides a relaxing retreat with a jetted soaking tub, spacious shower, dual sinks, and a generous walk-in closet. Recent updates include: Two new 14 SEER Carrier A/C units (2020), New water heater (2021), New family room carpet (2024), & Universal car charger in the garage. Step outside into the south-facing backyard, where the play pool invites you to unwind and enjoy the Arizona sunshine. With plenty of space for outdoor fun and relaxation including a large covered patio, the backyard offers great potential to make it your own. The home is located in a neighborhood designed for outdoor living, with sidewalks, parks, and a variety of amenities for everyone. Enjoy the basketball court, covered play structure, and ramada with picnic tables, perfect for gatherings with family and friends. Awesome location with easy access to the 202, shopping, restaurants, and golf! A must see!

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21320 N 56th Street Unit 1023 Phoenix, AZ 85054

$739,000

2 Beds

2 Baths

1,697 SqFt

Status Active

MLS # 6781499

Property Type Apartment

Price Type --

Enjoy a relaxed lifestyle with all the desired conveniences & ammenities you could wish for in this stunning home which has been totally remodeled. Many unique features. All tile and LVP flooring. Custom walk-in closet will hold 100 pairs of shoes! Ample storage cabinets in the garage. Pool views including grassy grounds. Amazing sunset views! The community features 3 heated pools/spas. 3 workout facilities. Nestled next to the Marriott Wild Fire Golf Course. A gated community within walking distance to Desert Ridge Marketplace and High Street for dining and shopping. Just minutes to the 101 and 51 Freeways. Enjoy a relaxed lifestyle with all the desired wonderful conveniences you could wish for.

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1830 E La Salle Road Phoenix, AZ 85086

$739,000

4 Beds

3.5 Baths

2,584 SqFt

Status Active

MLS # 6757624

Property Type Single Family Residence

Price Type --

Nestled in the stunning Arizona desert, this gorgeous single-level 4-bedroom, 3.5-bathroom, 2584 sq ft home offers a rare blend of charm and modern convenience on a sprawling 1.67-acre lot. Boasting a 4-car garage and a 1,277 sq. ft. Quonset hut, the solar panels are owned outright and offer energy efficiency and long-term savings. This property has everything you need for comfort and space. Step inside and be greeted by warm Saltillo tile and coated concrete floors. The smooth concrete kitchen counters add a sleek, modern touch, while the split floor plan offers functionality and privacy. The welcoming foyer leads into a formal dining room and a cozy living room with a gas fireplace—perfect for entertaining or relaxing. The primary suite is a serene retreat, complete with a private exit to the covered patio and backyard, a spacious walk-in shower, a separate tub, and generous closet space. The split floor plan places two secondary bedrooms on the opposite side of the home, each with its own bathroom for added convenience. A well-equipped laundry room with a utility sink adds practicality. Outside, enjoy the expansive paver-covered patio, an ideal space for entertaining guests or simply soaking in the beauty of the desert surroundings. With ample room for all your toys, this property is perfect for those seeking space and freedom. Located just minutes from hiking and riding trails, this home offers the perfect balance of peaceful desert living with easy access to outdoor adventures. Come and experience the warmth and charm of this unique home!

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5148 S Red Yucca Lane Gold Canyon, AZ 85118

$739,000

3 Beds

3 Baths

2,087 SqFt

Status Active Under Contract

MLS # 6779689

Property Type Single Family Residence

Price Type --

Prime Location Meets Breathtaking Views ! Nestled on a private hillside cul-de-sac, this stunning home, sold fully furnished, is a masterpiece of good living. From the moment you arrive, you'll be welcomed by a gated entrance leading to an enchanting courtyard with a cozy kiva fireplace, setting the tone within.The main residence spans 1,733 sq ft, showcasing an impressive entrance with Venetian plaster walls, soaring ceilings, and an open, light-filled floor plan that radiates sophistication. The gourmet kitchen is a chef's dream, boasting new cabinetry, top-tier fixtures, all-new appliances, and gleaming Quartz countertops. Flowing seamlessly from the kitchen, the great room opens up to expansive backyard views and a warm fireplace, perfect for cool desert evenings. Retreat to the primary suite, where large bay windows bathe the room in natural light. Enjoy the luxury of a private exit, an ensuite bath adorned with floor-to-ceiling stone tile, dual sinks, and much more. The main home also includes a spacious guest bedroom, a full secondary bath, and a versatile den/office space. Step through the beautiful new Anderson French Doors to your extended, pristine patio, complete with sweeping views of the Sonoran Desert, mature fruit trees, and a private, quarter-acre hillside sanctuary. The fully furnished casita features new flooring, a cozy seating area, kitchenette, and a full-sized bath, plus a brand-new 17 SEER HVAC system for year-round comfort. This home has been meticulously maintained with numerous upgrades, including a new roof, two HVAC systems, windows, doors, shutters, paint, and completely updated kitchen and baths. There's simply too much to list - this property must be experienced in person to be fully appreciated!

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6701 E Phelps Road Scottsdale, AZ 85254

$739,000

2 Beds

2.5 Baths

1,802 SqFt

Status Active Under Contract

MLS # 6773207

Property Type Single Family Residence

Price Type --

Welcome to your new home in the heart of Scottsdale! This beautifully appointed 2 bed 2.5 bath property features a fantastic layout great for entertaining and an expansive backyard with a sparkling pool! Unwind in the serene outdoor space surrounded by lush landscaping complete with a bocce ball court! The home has tons of upgrades including a new HVAC, new pool pump, and much more! You're just a quick drive to tons of restaurants, bars, and shopping at Kierland Commons + Scottsdale Quarter. With easy access to Bell Rd, you're able to get anywhere in the valley with ease!

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17571 N Havasupai Drive Surprise, AZ 85374

$739,000

3 Beds

2.5 Baths

2,406 SqFt

Status Active

MLS # 6763091

Property Type Single Family Residence

Price Type --

Well cared for 3 BR / 2.5 BA with many updates situated in the middle of the fairway on #12 Granite Falls South Golf Course. Watch the golfers from the massive picture window in the Master Bedroom. This model is not your typical Jasmine as the interior has been reconstructed. The open concept Great Room w/ Gas Fireplace and Kitchen is such a delight for entertaining as the view of the golf course is so soothing. The Water Feature is comforting as you enjoy your morning coffee or evening beverages on the covered patio. If you are a project person the full 3 car air conditioned garage will be your haven. Look no more...........make this you new home TODAY!

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9170 S Hackney Place Hereford, AZ 85615

$739,000

4 Beds

3 Baths

3,163 SqFt

Status Active

MLS # 6717192

Property Type Single Family Residence

Price Type --

Amazing new construction in the exclusive Wildhorse gated subdivision. Large 4 bedroom 3 bath home with split floorplan. With 3,163 feet there is plenty of room for a large family. The central great room, sitting room/den, dining room and bonus room give you so many opinions. Sitting on over 5 acres to lot has some nice mature oak trees and sweeping views of the Huachuca Mountains and San Pedro Valley. Some of the additional features incuse a 3 car garage, large walk in pantry, and an kitchen with island ready for the next chef of the house. The master bedroom is tucked into the Northeast corner of the home for privacy and has a large walk in closed and custom bathroom with duel vanities, garden tub and shower.

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20948 E Arrowhead Trail Queen Creek, AZ 85142

$739,000

5 Beds

4 Baths

3,161 SqFt

Status Active

MLS # 6728779

Property Type Single Family Residence

Price Type --

Welcome to Terravella! Your new home has carefully selected upgrades that include wood plank tile floors, leading you to the panoramic view of the back yard through a beautiful set of sliding glass doors. Lush turf and privacy from the absence of rear neighbors, create an amazing indoor/outdoor living space. This floor plan provides 5 generous bedrms, 4 baths, and large loft. The primary suite is located on the first level, as well as one additional bedroom and bathroom for guests. The gourmet kitchen offers quartz countertops, designer cabinets, walk in pantry, and separate prep space. Conveniently located to essential amenities, such as shopping, entertainment, a newer Costco, with freeway access nearby. And you will be able to celebrate the end of your day with a round of pickleball!

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4602 Mountain Gate Circle Lakeside, AZ 85929

$739,000

3 Beds

2 Baths

2,877 SqFt

Status Active

MLS # 6726744

Property Type Single Family Residence

Price Type --

Look no further! This is your stunning custom dream home in the White Mountains of AZ! Big open living room with T & G ceilings, rock accented pellet stove and built in shelving. Split floor plan features large primary bedroom with private deck. Primary bath has a garden tub and walk in shower. Two guest rooms one with access to back deck and yard, Central A/C and heat. Huge covered back deck with T & G ceilings to enjoy the four seasons and family entertaining. Covered front deck to enjoy morning coffee. Exclusive gated Mountain Gate subdivision that features a private pond with waterfall, walking and biking paths along a private creek.

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12736 W Auburn Drive Peoria, AZ 85383

$739,000

2 Beds

2.5 Baths

2,260 SqFt

Status Active

MLS # 6730604

Property Type Single Family Residence

Price Type --

RARE FIND - in the most sought after area of Trilogy, just steps away from the Kiva Club & a short walk to V's Taproom. PRE-PAID SOLAR LEASE-no payments. Step inside this GORGEOUS 2 bed, 2.5 bath, office/den & incredible WET BAR fully equipped with a wine/beverage center, tons of cabinets, granite c-tops & under cabinet lighting. Perfect for entertaining family & friends. Plenty of space to gather w/the large great room, dining room & breakfast areas. SPECTACULAR kitchen features HIGHLY UPGRADED raised panel staggered cabinets w/larger crown molding & black glazing, STUNNING granite c-tops w/decorative backsplash, large breakfast bar, SS appl, GAS COOKTOP & pendant/undercabinet lighting. Private den/office w/double French doors & custom shelves. GORGEOUS owner's suite w/travertine c-tops, double sinks, designer tile shower & large walk-in closet w/cabinet pass-through into laundry room. Second bathroom upgraded as well. Smart space has an abundance of cabinetry for storage, laundry sink, BUILT-IN hobby desk & office desk. Step outside to your own PRIVATE OASIS - covered travertine patio w/extended pavers, mature landscaping & motorized sunscreen. Don't miss this AMAZING HOME in the BEST LOCATION in Trilogy!! START ENJOYING RESORT-STYLE LIVING AT ITS FINEST. Additional upgrades - oversized tile laid on a diagonal (no carpet) t/o, lighting/ceiling fans, faucets/sinks, framed mirror, reverse osmosis, interior doors, hardware, 4 ft. extended garage w/built-in cabinets & epoxy floor, water softener & gated/wall garbage enclosure. Enjoy low electric bills w/PRE-PAID SOLAR.

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10773 W Swayback Pass Peoria, AZ 85383

$739,000

4 Beds

3 Baths

2,691 SqFt

Status Active

MLS # 6739729

Property Type Single Family Residence

Price Type --

This stunning 4-bedroom, 3-bathroom single-level solar home boasts an open floor plan, high ceilings, 2 master bedrooms and a large office/den The modern kitchen features white cabinetry, quartz countertops, a large island bar, and upgraded stainless steel appliances. The great room is spacious and well-lit, with double-sliding doors opening to a large backyard for entertaining. The oversized Master Suite impresses with a private water closet, dual sinks, a large walk-in shower, and a huge walk-in closet. Two guest bedrooms share a hall full bath, while the unique Guest Suite offers a private full bath. The home also includes a large dining area, a well-equipped laundry room, and a two-car garage. Owned 16kw solar system, Minutes away from dining, shopping and entertainment!

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