4 Things You Absolutely Should Not Do After You Apply for a Mortgage

4 Things You Absolutely Should Not Do After You Apply for a MortgageIf 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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40805 N Harbour Town Way Anthem, AZ 85086

$735,000
2 Beds
2.5 Baths
2,372 SqFt
Status Active
MLS # 6748535
Property Type Single Family Residence
Price Type --
Anthem Country Club ~ Original owner has meticulously maintained this 2 bedroom, den, 2.5 bath as a second home! Enjoy the fantastic golf course and mountain views from the elevated sitting area under the pergola. Backyard also features a built-in BBQ, gas firepit and covered patio. Other updates include quartz counters in kitchen and baths, contemporary white cabinets with pullouts, flattened kitchen peninsula, built-ins in den, built-ins in primary bedroom walk-in closet, water softener and filtered drinking water. Kitchen includes gas cooktop and wall ovens. Refrigerator, washer & dryer included. Primary bath offers walk-in shower, dual sinks and walk-in closet. Custom window treatments. Extended length garage and cabinets for additional storage. New exterior paint 2023.

18653 N 259th Avenue Buckeye, AZ 85396

$735,000
2 Beds
2 Baths
2,077 SqFt
Status Active
MLS # 6764899
Property Type Single Family Residence
Price Type --
WOW! WHAT A VIEW! This 2-bed, 2-bath, plus den Pursuit model backs up to State Trust Land offering unobstructed views of the natural desert and White Tank Mountains. This homesite is a rare find...not many like it exist. Plus, the home is packed with custom, non-builder upgrades contracted through the owner. The attractive kitchen includes custom white cabinets, Mexican tile backsplash and premium stainless-steel appliances. The expanded owner's suite features custom bath cabinetry, countertops, fixtures and a frameless glass low-threshold shower. The den is highlighted with built-in shelving and cabinetry. The extended garage includes built-in storage cabinets. The backyard patio is a relaxing paradise, with incredible views, Saltillo tile, firepit and outdoor kitchen with refrigerator.

6911 E Russell Street Mesa, AZ 85207

$735,000
4 Beds
3 Baths
2,206 SqFt
Status Active
MLS # 6756635
Property Type Single Family Residence
Price Type --
Welcome to this stunning 4-bedroom, 2.75-bath home, nestled in the desirable Las Sendas community of Mesa, Arizona. Built in 2019, this modern gem offers 2,206 square feet of beautifully designed living space. The home features a gorgeous custom kitchen, perfect for culinary enthusiasts and entertaining guests. Enjoy the privacy and security of a gated community while benefiting from the serene surroundings and exceptional amenities that Las Sendas has to offer. This property combines contemporary elegance with a welcoming atmosphere, making it an ideal choice for those seeking a comfortable and stylish living experience.

3902 E Agave Road Phoenix, AZ 85044

$735,000
5 Beds
2 Baths
2,229 SqFt
Status Active
MLS # 6765983
Property Type Single Family Residence
Price Type --
Welcome to this 5 bedroom, 2 bonus room, 2 bath gem, perfectly situated on a large corner lot in a peaceful cul de sac within the highly desirable Landing at Mountain Park Ranch. With breathtaking mountain views and the perfect blend of luxury and comfort, this home offers an ideal retreat for Arizona living. Inside, you'll find a bright, freshly painted interior with gorgeous tile flooring throughout and soaring vaulted ceilings that add an extra touch of spaciousness. The chef's kitchen is designed for both style and functionality, featuring granite countertops, a sleek tile backsplash, a tile wrapped island, and stainless steel appliances including a double oven and convection stovetop. Step into the backyard oasis, where multiple seating areas, a covered patio, and a sparkling pool. The bonus room just off the primary suite offers patio access, making it an ideal spot for a home office, gym, or private retreat. Additionally, a second bonus room at the front of the house is perfectly suited for an office or study, enhancing the home's versatility. The luxurious primary suite boasts a walk in tiled shower with dual shower heads, granite countertops, and custom closets throughout the home. The epoxy finished garage with built in cabinets adds extra storage and organization. Enjoy the 3 community pools, including one that is heated, and take in the stunning mountain views from the comfort of your own home. Outdoor enthusiasts will love the proximity to hiking and biking trails, while golfers can tee off at the nearby Ahwatukee Country Club. Ahwatukee is home to award winning schools, upscale dining, cozy cafes, boutique shopping, and a variety of community events. Additional highlights include: -Plantation shutters for timeless elegance and privacy -5 sets of French doors for seamless indoor outdoor living -Located near a scenic walking path and wash If you're looking for a home that offers luxury, comfort, and an unbeatable location, this is it! Don't miss the opportunity to check out this property!

35711 N 136th Place Scottsdale, AZ 85262

$735,000
3 Beds
2 Baths
1,824 SqFt
Status Active
MLS # 6763301
Property Type Single Family Residence
Price Type --
Welcome to this stunning Morgan Taylor built home, located in the highly coveted subdivision of Rio Verde Foothills.. This home offers 360 degrees of breath-taking views and is situated to show off Four Peaks from the back patio. With extensive upgrades throughout the home and backyard, its perfect for any entertainment needs. This is a turn-key home and is move in ready for anyone who wants a quiet and private location. You will be surrounded by a plethora of mountain biking trails, hiking, off-road trails, and gorgeous national forrest just minutes away. This home is Grandfathered into EPCOR Water Rights making it a smooth transition for new owners, eliminating any hauled water issues or fees associated with entering in-to EPCOR agreements.

2247 E Indian Wells Drive Gilbert, AZ 85298

$735,000
5 Beds
3 Baths
2,878 SqFt
Status Active
MLS # 6769562
Property Type Single Family Residence
Price Type --
Welcome to this stunning 5-bedroom 3 full bath home located on a coveted corner lot w/ ideal n/s exposure. This Bradshaw model home has 10' ceilings & offers a perfect blend of luxury, convenience & modern upgrades. Inside the open floor plan showcases wood plank tile in all the right places including bedroom 4, complemented by new carpet in bedroom 2,3 & 5. Bedroom 5 has custom built-in shelves. The gourmet kitchen is a chef's dream w/ quartz countertops, a striking backsplash, convection double wall ovens, a gas range w/ hood & motion-activated sink faucet. The pendant lighting adds a modern touch creating an inviting space for family/friends. Large laundry room equipped w/ 2nd refrigerator, upper cabinets & utility sink for added functionality. Step outside to your private oasis featuring a sparkling pool w/ 2 led lights, lush, low-maintenance artificial turf & a built-in BBQ perfect for entertaining. Enjoy indoor-outdoor entertaining w/ surround sound both inside & out. The iron security door provides added peace of mind. This home is packed w/ upgrades: water softner, added upper external power outlet for holiday lights, epoxy garage floors, fiberglass garage side entry door, w/i the last year a new Bosch dishwasher, recessed can lights in the dining room, & recently replaced AC air handler. Other recent updates include new water heater, washing machine & water valves. W/i the last 2 years, the central air ducts were lowered & covered w/ R-44 insulation for improved energy efficiency. The attic hatches were sealed & three new grille registers were installed for better airflow throughout the home. Neutral interior paint. Nest thermostats add to the home's modern appeal & smart home capabilities. This home is move-in ready complete w/ washer/dryer, 2 refrigerators. Adora Trails is not just a neighborhood; it's a vibrant community w/ a plethora of amenities. Residents enjoy walking trails, a clubhouse w/ a full gym & studio room where live classes are taught. A kitchen & meeting rooms are also available for use. There are many parks throughout & an on site elementary school. CUSD school district has been named the #1 best public school District in AZ. The pool features lap lanes, a wading area w/ splash pad & is heated during the winter months allowing year round swimming. The community hosts numerous events, fostering a strong sense of camaraderie among neighbors. Come see why so many are calling Adora Trails home.

5213 W Pedro Lane Laveen, AZ 85339

$735,000
6 Beds
4.5 Baths
4,651 SqFt
Status Active
MLS # 6769025
Property Type Single Family Residence
Price Type --
Spacious two-story home located in a charming neighborhood, surrounded by numerous restaurants, shopping centers, and schools. This residence boasts 6 bedrooms and 4.5 bathrooms, offering ample space for the entire family. The home features high ceilings, a formal living and dining area perfect for entertaining, and a large family room ideal for casual gatherings. Equipped with ceiling fans throughout, 42-inch cabinets, the interior is both stylish and functional. The primary bedroom serves as a private retreat, spanning two stories and including an upstairs loft perfect for reading, watching TV, or unwinding. Step out onto the private balcony to take in breathtaking views of South Mountain. A guest suite with a private bathroom is ready to welcome visitors. The upper level provides plenty of room for children, featuring four bedrooms and an additional space suitable for a play area, games, or TV. Outside, savor family barbecues by your dazzling pebble-tec pool, enjoy the grassy area, and relax under the covered patio.

16822 W Catalina Drive Goodyear, AZ 85395

$735,000
2 Beds
2.5 Baths
1,916 SqFt
Status Active
MLS # 6771840
Property Type Townhouse
Price Type --
See the best Villa that has ever hit the market. Located in the vibrant 55+ PebbleCreek Active Adult community. This meticulously upgraded home surpasses new construction, with thoughtful enhancements at every turn. It features two spacious bedrooms, each complete with its own ensuite bathroom, along with a conveniently located powder room for guests. The versatile den provides an ideal space for a home office or hobby room. The open floor plan beautifully connects the great room to the gourmet kitchen, designed for both style and functionality. The kitchen is a chef's dream, featuring a high-end gas stove and an abundance of top-tier cabinets with easy-access pull-outs. The striking granite center island serves as a focal point and a practical area for meal prep and casual dining. Step outside to the covered back patio, an upgraded oasis adorned with elegant travertine flooringperfect for relaxing or entertaining. This home is a true treasure, combining exceptional upgrades with timeless design. Experience the perfect blend of luxury and comfort in this remarkable Terra Model residence.

21320 N 56th Street Unit 1179 Phoenix, AZ 85054

$735,000
2 Beds
2 Baths
1,697 SqFt
Status Active
MLS # 6778913
Property Type Apartment
Price Type --
Welcome to resort-style living! This beautiful, first floor updated 2-bed + office, 2-bath condo in the sought-after Bella Monte community offers the perfect blend of luxury and convenience. Step inside to discover a stylish home featuring fully renovated bathrooms in granite, marble & quartz with elegant, modern finishes, updated kitchen and enjoy year-round comfort with a new HVAC system & water heater. Nestled along the greenbelt, the southern exposure provides a sunny & serene backdrop, ideal for when you want to unwind. Bella Monte spoils residents with 3 pools, 3 spas, and 3 fitness centers—everything you need for a relaxing lifestyle! This prime location is minutes from highway 101, top shopping, dining, and golf, making it the ideal retreat .

2606 N 159th Drive Goodyear, AZ 85395

$735,000
3 Beds
2 Baths
1,989 SqFt
Status Active
MLS # 6779308
Property Type Single Family Residence
Price Type --
Situated on the East golf cousrse, 16th fariway! Enjoy goregous sunsets and mountain views. Milano 3 bedroom model home with great spaces, vaulted ceilings, 2 baths and fully furnished ! Golf cart available on seperate bill of sale. Spacious covered patio. Built-in BBQ, pavers in front and back! 2 car attached garage extended 4', separate golf cart garage. Great home and location! PebbleCreek is an award winning Active Adult Community offering 3 golf courses,Pickleball, tennis, swimming pools, both outdoor and in, fitness centers and more! Various clubs to join! Be as busy as you want to be!!! Be sure to put this beautiful home on your must view list and don't forget to check out the community.

6925 E Paradise Lane Scottsdale, AZ 85254

$735,000
3 Beds
2 Baths
1,716 SqFt
Status Active Under Contract
MLS # 6760370
Property Type Single Family Residence
Price Type --
Welcome home to this gorgeous single level home featuring 3 bedrooms and 2 bathrooms in the heart of Scottsdale. This home offers a open layout and is withing walking distance to Scottsdale Kierland. The primary bedroom is oversized with a walk in closet and exterior access to the amazing backyard featuring a gorgeous pool. The backyard features several areas for entertaining with a covered patio and large grass area. This neighborhood offers the convenience of shopping, nearby golf, restaurants and easy access to the 101.

6114 Coconino Circle Pinetop, AZ 85935

$735,000
4 Beds
2.5 Baths
2,440 SqFt
Status Active
MLS # 6755457
Property Type Single Family Residence
Price Type --
BRAND NEW CONSTRUCTION!!! Cul de sac lot in the Counrty Club. Some finishes can still be chosen if buyer acts fast. Spray foam insulation in attic and perimeter walls to keep out noise and cold weather. Drywall is hung, builder will begin painting and other finishes soon, don't miss out on the custom home!

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