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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44624 N 44th Drive New River, AZ 85087

Open House

$733,919

4 Beds

2.5 Baths

2,745 SqFt

Status Active

MLS # 6756301

Property Type Single Family Residence

Price Type --

Welcome home to the popular Martina floorplan. This home welcomes you with an inviting courtyard, inside you'll find a split floorplan with 3 generously sized secondary bedrooms and walk in closets, a retreat in nestled in between these secondary bedrooms to use as an office, den, playroom or second living space. This home is architecturally upgraded with a gourmet kitchen, owners bath oasis featuring a drop in soaking tub, and a 12 foot center sliding glass door drawing you into the backyard. Designer features create a clean and timeless feel, such as warm wood plank tile flooring, neutral light gray colored cabinets, bright white subway backsplash and quartz countertops to finish off this highly upgraded home.

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23612 W Beacon Lane Wittmann, AZ 85361

$733,000

4 Beds

3 Baths

2,566 SqFt

Status Active

MLS # 6747858

Property Type Single Family Residence

Price Type --

NEW LOWER PRICE! Don't spend money on homes not landscaped. This one is fully landscaped with Large Tack Room. Bring your Horses and/or Big Boy Toys. Plenty of Room with a 1.003 Acre Lot. Complete with Landscaped Yards, Lush Mature Trees, Green Grassy Area, Tack Room Full Electric with 2 Entries 1 Being a Garage Door, Plenty of Storage with a Loft. Side and Front Covers. Horse Corral with Shade Cover, Exercise Arena(Turn-Out), Fully Enclosed Double Fenced Backyard with Owner's Separate Private Fence. This Gorgeous Home has been Meticulously Cared For by the Owner's. Features Include, Oversized 3 Car Garage, Spacious Open Split Floorplan, Large Island Kitchen, Granite Counters, Vaulted Ceilings, Tall Doorways, Wide Entry Door, Mountain Views Front and Back. Beautiful Ceramic Tile, Large Great Room.

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25018 S Rangewood Drive Sun Lakes, AZ 85248

$732,000

4 Beds

3 Baths

3,435 SqFt

Status Active

MLS # 6774622

Property Type Single Family Residence

Price Type --

Unique two-story Marbella with split floor plan, Master and secondary bedroom with a full bath downstairs, 2 bedrooms and a full bath on the upper level provide a completely separate and private guest area, perfect for grandkids visits, home office, craft rooms, etc. Formal living and dining, separate office & oversized open kitchen. Features builder & custom upgrades including plantation shutters and solid wood cabinets throughout. Extended 3-car Garage with epoxy flooring, plenty of storage and cabinets. Water softener and R/O system and a large laundry room with lots of cabinets. Very peaceful and private backyard with above ground spa and no neighbors behind it.

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11107 E Ulysses Avenue Mesa, AZ 85212

$730,995

4 Beds

3 Baths

2,936 SqFt

Status Active

MLS # 6761840

Property Type Single Family Residence

Price Type --

This beautiful Upland Spanish-style home features 4 bedrooms and 3 baths, perfect for families or those who love to entertain. The upgraded kitchen boasts elegant cabinets, a stunning countertop, a modern kitchen sink, and stainless-steel appliances. You'll appreciate the beautiful flooring throughout, including luxury vinyl plank downstairs, upgraded carpet in the bedrooms and upstairs, and stylish tile in all bathrooms and the laundry room. The primary bathroom offers a luxurious retreat with upgraded tile flooring and a beautifully tiled shower. Situated on a quiet back street, this home is just around the corner from community parks and amenities, providing both tranquility and convenience. Don't miss the chance to make this stunning home yours!

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16708 E Gloria Lane Scottsdale, AZ 85262

$730,900

4 Beds

3 Baths

3,025 SqFt

Status Active

MLS # 6374360

Property Type Single Family Residence

Price Type --

**COMPLETED SPEC**4 BEDROOM, 3 BATH HAS 3025 SQFT, HUGE OPEN KITCHEN WITH UPGRADED CABINETS, HUGE ISLAND, GRANITE COUNTER TOPS WITH TILE BACK SPLASH, STAINLESS STEEL APPLIANCES (DOUBLE WALL OVENS, 36'' COOKTOP, BUILT IN MICROWAVE, DISHWASHER AND FARMER SINK AND A WALK IN PANTRY. OPEN GREAT ROOM WITH GAS FIREPLACE WITH STONE. UPGRADED TILE FLOORING IN ALL THE RIGHT PLACES. THERE IS A FRONT AND REAR COVERED PATIO, 2X6 CONSTRUCTION, TILE ROOF, LOW-E DUAL PANE VINYL FRAME WINDOWS, OVERSIZE 4 CAR GARAGE.

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44628 N 44th Drive New River, AZ 85087

$730,077

4 Beds

2.5 Baths

2,745 SqFt

Status Active

MLS # 6756307

Property Type Single Family Residence

Price Type --

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29408 N 224th Drive Wittmann, AZ 85361

$730,000

3 Beds

2.5 Baths

2,526 SqFt

Status Active

MLS # 6691446

Property Type Single Family Residence

Price Type --

FINAL OPPORUNITY! FINANCE INCENTIVES RATE BUYDOWN! JUST UNDER ONE-ACRE! NEW HOME, MOVE IN READY! 2526sqft single level home, 3-bedroom, Flex, 2.5 bath. 3 car tandem plus attached RV garage 15x52 w/ 10X10 at rear of RV garage. Spacious open kitchen, 42'' cabinets, quartz countertops, huge kitchen island, gourmet stainless steel appliances, large owner's suite with impressive walk-In shower all tile and more! Privacy, privacy, privacy! Surprise Estates features quality new homes on just under one-acre homesite with attached RV garage, bring all your toys!! Pristine desert surroundings make Surprise Estates the ultimate sanctuary. We are located just outside the city of Surprise, with quick access to major freeways and less than 30 minutes from Lake Pleasant!

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11054 E Utopia Avenue Mesa, AZ 85212

Open House

$730,000

6 Beds

4.5 Baths

3,133 SqFt

Status Active

MLS # 6771303

Property Type Single Family Residence

Price Type --

Discover elegance in this 2023 Toll Brothers home with 6 bedrooms and 5 bathrooms. Spanning 3133 sq ft, it features a first-floor in-law suite and primary suite, perfect for multi-generational living. The gourmet kitchen boasts quartz countertops, a stylish backsplash, a gas range, and a walk-in pantry. An upstairs loft offers versatile living space. The landscaped, pet-friendly backyard includes antimicrobial turf, mini putting green and an upgraded panoramic slider for seamless indoor-outdoor living. With $78k in premium upgrades, this home offers luxury without the hassle of building from scratch. Book your tour today!

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96 E Alcatara Avenue Queen Creek, AZ 85140

$730,000

3 Beds

3 Baths

2,343 SqFt

Status Active

MLS # 6732348

Property Type Single Family Residence

Price Type --

Experience luxury living in this stunning 3-bedroom home with a versatile den, ideally situated on a sought-after corner lot. The property features low-maintenance landscaping and a spacious 2-car garage with a split-unit air conditioning system and fully insulated for added comfort. Inside, you'll be welcomed by an open floor plan with soaring ceilings, contemporary light fixtures, and pristine tile flooring throughout. The gourmet kitchen is a chef's dream, showcasing granite countertops, custom cabinets with elegant crown molding, stainless steel appliances, a handy pantry, and a center island perfect for meal prep and casual dining. The den provides a flexible space, ideal for a home office. The primary bedroom is bathed in natural light and includes an ensuite bathroom with a dual sink vanity, a makeup station, and an expansive walk-in closet. A secondary bedroom, tucked away for privacy, features its own ensuite bathroom, making it perfect for guests or as a secondary master suite. Step outside to your private backyard oasis, complete with a covered patio and built-in BBQ area, perfect for entertaining or unwinding. Additional highlights include tinted windows on the west side and front bedroom for sun protection, and a salt-free H2O water treatment system for superior water quality. This home is a true gem and a must-see!

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7157 E Rancho Vista Drive Unit 5004 Scottsdale, AZ 85251

$730,000

2 Beds

2 Baths

1,337 SqFt

Status Active

MLS # 6746342

Property Type Apartment

Price Type --

Step into luxury with this beautifully maintained condo, featuring premium finishes and an unbeatable location. This 5th-floor, south-facing unit boasts elegant travertine flooring throughout the main areas, complemented by wood-look tile in the bedrooms, offering a warm and inviting atmosphere. The kitchen is a chef's dream, with sleek granite countertops and a matching granite backsplash. Enjoy the convenience of in-unit Bosch washer and dryer, along with two dedicated parking spaces located next to the elevator—an exceptional feature, as most units offer just one or none. Additionally, this unit is EV charger-ready. The interior has been freshly painted, ensuring a bright and welcoming environment that's truly move-in ready. Located in the heart of Scottsdale, this condo is part of the prestigious Optima community, offering urban living at its finest. Enjoy city light views and resort-style amenities, including indoor and outdoor pools, a spa, fitness center, basketball courts, and more. With a concierge on-site, every convenience is at your fingertips.

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31033 N Trail Dust Drive San Tan Valley, AZ 85143

$730,000

3 Beds

2.5 Baths

2,818 SqFt

Status Active

MLS # 6749177

Property Type Single Family Residence

Price Type --

Welcome to 31033 N TRAIL DUST DR, your own slice of paradise nestled in the heart of the picturesque Johnson Ranch community, where luxury meets tranquility. This stunning 3-bedroom, 2.5-bath retreat is perfectly positioned on a quiet cul-de-sac overlooking the 10th hole of the San Tan Highland golf course, framed by the majestic San Tan Mountain foothills - and with your own putting green! Enter through elegant double doors into an expansive living space where every detail whispers sophisticationfrom the formal living and dining rooms to the cozy family room that seamlessly connects to the kitchen and nook. The chef's kitchen is a culinary delight, boasting custom tile backsplash, granite countertops, and an abundance of storage. Step outside to an entertainer's dream: a private, self-cleaning pool with a captivating rock waterfall, an extended pergola patio for al fresco dining, an inviting outdoor fireplace, and a putting green to perfect your game. The oversized primary suite offers a sanctuary of comfort with custom-designed California closets and a spa-inspired bath, while the home's thoughtful upgrades, including two new SEER16 HVAC units, a new roof with underlay (2022), soft water and reverse osmosis systems, and additional insulation, ensure effortless living. Experience the epitome of refined elegance and modern comfort in this exceptional San Tan Valley hometruly a must-see!

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4242 E Montecito Avenue Phoenix, AZ 85018

$730,000

3 Beds

2 Baths

1,193 SqFt

Status Active

MLS # 6764626

Property Type Single Family Residence

Price Type --

Absolutely lovely Arcadia area jewel that has been renovated and absolutely turn key with upgraded features throughout and is a short distance from area hot spots. From the barn wood floors to the inviting greige interior color palette, this 3 bed 2 bath property boasts thoughtful touches like extra storage cabinets, custom closets organizers, mud room and inside laundry. The kitchen is complete with custom cabinets, stainless steel appliances granite counters and hammered copper sink . Beautiful park like backyard with jacuzzi to relax in and take in the view of Camelback Mtn, Large covered patio, RV gate and storage shed with electricity and built-in work bench!

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