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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26702 W Sierra Pinta Drive Buckeye, AZ 85396

$737,777
2 Beds
2 Baths
2,023 SqFt
Status Active
MLS # 6657937
Property Type Single Family Residence
Price Type --
A MILLION DOLLAR VIEW WITH A HOUSE THROWN IN! THIS ONE OF A KIND HOME W/4 FT GARAGE EXT FEATURES $124,000 IN BUILDER UPGRADES & OVER $135,000 IN SELLER UPGRADES! Fabulous open concept floor plan offering Sweeping golf course and mountain views. Gathering space showcases a full wet bar & media wall w/fireplace. Highly upgraded Lux kitchen layout w/huge kitchen island/seating. The master en-suite is complete with bay window offering panoramic views, spa tile surround shower, & large walk-in closet. Den/flex room has french doors & custom murphy bed. An inviting 2nd bedroom w/adjacent bath for guests. The utility room has upper/lower cabinets & office niche. Enjoy outdoor living on your covered patio overlooking your beautiful water feature, fire pit, outdoor kitchen and stellar views!

5471 N 83rd Drive Glendale, AZ 85305

$736,300
4 Beds
2.5 Baths
2,210 SqFt
Status Active
MLS # 6741008
Property Type Single Family Residence
Price Type --
A truly unique opportunity in the heart of Glendale! One level living - 4 bedroom 3 bath home with open concept floor plan and soaring ceilings. Huge windows make it light and bright while allowing full views of the oversized (inside corner) lot. Island kitchen with granite countertops and white cabinets! Spacious primary suite with dual vanities, walk-in closet, soaking tub, and shower. The backyard has a large covered patio, dual RV gates, extra concrete slab behind one RV gate. Plenty of room for all your outdoor activities! Up to 2 horses allowed!

22435 W Bobwhite Way Wittmann, AZ 85361

$735,000
3 Beds
2.5 Baths
2,526 SqFt
Status Active
MLS # 6661398
Property Type Single Family Residence
Price Type --
FINAL OPPORUNITY! FINANCE INCENTIVES RATE BUYDOWN! JUST UNDER ONE-ACRE! NEW HOME, October move in! 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, extended 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

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.

19080 E Oriole Way Queen Creek, AZ 85142

$735,000
6 Beds
4.5 Baths
4,083 SqFt
Status Active
MLS # 6692444
Property Type Single Family Residence
Price Type --
Nestled within the serene Cortina neighborhood of Queen Creek, discover this captivating residence. Boasting a convenient RV gate and proximity to esteemed schools, parks, dining options, and more, this home offers a lifestyle of ease and accessibility. Step inside to find a thoughtfully designed floor plan featuring a first-floor junior suite, a second-level loft, and an executive office, all bathed in natural light. Ascend to the upper level to retreat to the spacious primary suite, complete with a private balcony overlooking scenic views. With an expansive 4-car garage, this home effortlessly caters to your needs. Outside,the backyard beckons with its grass landscape and covered patio, perfect for outdoor relaxation and recreation.

1435 E Artemis Trail Queen Creek, AZ 85140

$735,000
2 Beds
2.5 Baths
2,143 SqFt
Status Active
MLS # 6703629
Property Type Single Family Residence
Price Type --
Nestled within a canvas of architectural elegance, this Positano model is TURN-KEY READY! By turn-key ready, EVERYTHING you see in the home may be purchased to stay at close. It features a serene courtyard entry, two luxurious primary suites with lavish ensuites, and a chef's kitchen with a gas stove. Outside, a picturesque pergola offers privacy and tranquility among hedged trees and blooming citrus, providing a haven for relaxation and culinary inspiration. Every detail invites you to savor life's finest moments in this artistic haven of beauty and comfort. Buyer has the option to purchase FULLY FURNISHED with a separate bill of sale.

18256 N 75th Avenue Glendale, AZ 85308

$735,000
3 Beds
3 Baths
2,896 SqFt
Status Active
MLS # 6738094
Property Type Single Family Residence
Price Type --
Discover this inviting home on a nearly half-acre lot in the coveted Hidden Manor neighborhood! With plenty of space for creative updates, this property is a blank canvas ready for your personal touch. Enjoy the expansive pool and exclusive shared access to a tennis court, perfect for active lifestyles and community fun. Hidden Manor offers a welcoming atmosphere and a strong community spirit. Don't miss this opportunity! Additional photos available!

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.

41522 N Bay Hill Way Anthem, AZ 85086

$735,000
3 Beds
3 Baths
2,454 SqFt
Status Active
MLS # 6771941
Property Type Single Family Residence
Price Type --
Wonderfully updated home in Anthem Country Club. Popular Peregrine floor plan with a casita, located on a corner lot with an open area wash behind the home. In 2020, the owners did a major remodel in the kitchen and great room with new flooring, all new appliances and new granite countertops. Removed pony wall and opened up the area for great entertaining space! New lighting and entertainment wall with fireplace!Absolutely stunning! Entire back yard was also redone with pool and spa resurfacing, added water feature and fire pots, new pool heater, bbq island redone and new cool decking installed. Stone walkways on both sides of the home. Ramada in back yard for total relaxation and additional covered space. The front courtyard is spectacular and a great spot for your morning... coffee. People love this floor plan as it is open and inviting! The home has 2 bedrooms and 2 baths and a full bath casita! The casita has a separate entrance from the courtyard, but also direct interior access as well! Perfect spot for guests OR perfect spot for office, art studio, or fitness room! Welcome home and welcome to Anthem Country Club! Two 18 hole championship golf courses, 2 clubhouses with restaurants, bars, swimming pools, workout facilities, tennis, pickle ball and bocce ball! And, you have access to all of the amenities in Parkside including water park, sand volleyball, pickleball, skate park, catch and release fishing ponds, basketball, rock climbing wall, tennis and more!! Truly a one of kind community!

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!

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