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

23960 N 73rd Place Scottsdale, AZ 85255

$734,990

3 Beds

2.5 Baths

2,346 SqFt

Status Active Under Contract

MLS # 6743568

Property Type Single Family Residence

Price Type --

Welcome to the beautiful north Scottsdale gated community of Los Portones. This 3 bd + den/office, 2.5 bath home is ready for you with a lovely heated private pool, BOTH AC UNITS BRAND NEW (11/7/24 install) all NEW concrete tile roof this year, FULL exterior paint 8/2/24, main bedroom downstairs, and open, airy living spaces. The backyard boasts 5 citrus trees and lots of covered patio space. Home is offered furnished as well! Community pool and spa are just a block away. This home could also be an excellent seasonal or long term furnished rental!

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70 E Kennedia Drive Queen Creek, AZ 85140

$734,900

2 Beds

2.5 Baths

2,173 SqFt

Status Active

MLS # 6745068

Property Type Single Family Residence

Price Type --

Builder lots are down to minimal options for building this very popular plan. As an added bonus, the seller has a 3.99% assumable VA Loan. Imagine being steps away from the clubhouse at Encanterra. This home gives you just that....Location, Location, Location! The open-concept great room flows seamlessly into a stunning gourmet kitchen, complete with an expansive quartz island, 5-burner gas cooktop, stainless steel appliances, fridge with built-in Keurig, and professionally selected backsplash and cabinets. The dining area and great room perfectly complement the kitchen, highlighted by a breathtaking rolling wall of glass that leads to a beautifully designed backyard with pavers and an outdoor gas fireplace, ideal for entertaining.

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20523 W Rosewood Lane Buckeye, AZ 85396

$734,900

2 Beds

2.5 Baths

2,142 SqFt

Status Active

MLS # 6755637

Property Type Single Family Residence

Price Type --

Discover unparalleled elegance in the coveted Cardinal Floorplan by K. Hovnanian Homes, nestled in the vibrant Victory District of Verrado. This award-winning 55+ Active Adult community offers an array of world-class amenities, including golf, pickleball, tennis, a state-of-the-art workout facility, spa, multiple pools (lounge, hot tub, lap), bocce ball, and an active social calendar with clubs, hiking, biking, and dining options. Step inside to experience a thoughtfully designed open-concept layout that features soaring cathedral ceilings and a spacious kitchen boasting ample storage, an expansive island, and premium stainless steel appliances. The home's interior exudes a perfect blend of modern luxury and comfort. The backyard is a private paradise, designed for both relaxation and entertaining. Enjoy Arizona's beauty year-round with travertine decking, a raised fire pit area, a custom rock wall, elevated planters, and lush artificial turf. The serene water feature and strategic uplighting create a tranquil ambiance that's sure to impress your friends, family, and guests. Embrace the Victory Lifestyle and schedule your private tour of this exceptional property today.

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19594 E Raven Drive Queen Creek, AZ 85142

$734,900

4 Beds

3 Baths

2,527 SqFt

Status Active

MLS # 6779192

Property Type Single Family Residence

Price Type --

Your Arizona oasis awaits you! This 4 bedroom 3 bath home on a rare 9,000 plus sq.ft. lot, and in a family friendly neighborhood is now available! Landscaped for privacy and surrounded by single story elevations, this home features a custom Iron Works front gate to an elegant 20 foot tall entry, solid surface flooring throughout, large kitchen with oversized granite island and stainless steel appliances, owners suite has a double vanity, walk in shower, walk in closet and large linen closet. The exclamation mark on this home is the stunning backyard, a large salt water pool with an in-floor cleaning system, 2 large shade structures covering both an outdoor kitchen and 6 person spa. Exterior walls are painted and feature 2 full panel murals by local artist Mauriel Morejon. See it today!

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20324 W Melanie Drive Wittmann, AZ 85361

$734,900

4 Beds

2 Baths

2,087 SqFt

Status Active

MLS # 6781255

Property Type Single Family Residence

Price Type --

Bring all your toys & RV! HUGE 1.145-acre lot, this newer acreage property will surely impress you. Fully owned solar w/18 hr battery back up will save you thousands! Upgraded interior showcasing a spacious great room, 10' ceilings. Impressive kitchen boasts built-in black S/S appliances, granite counters, ample cabinetry, walk-in pantry, and breakfast bar. Enter the main bedroom to find an ensuite with a soaking tub, tiled shower, dual sinks, & a walk-in closet. The expansive backyard, w/lg covered patio, citrus trees and pergola is where you can relax while enjoying great vistas. This property comes w/oversized 3.5-car garage w/vehicle charging station and RV gate w/covered 65' parking w/hookup. Bring your toys, trucks, & animals property has plenty of space for everything you need!

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10328 W Alyssa Lane Peoria, AZ 85383

$734,900

4 Beds

3 Baths

2,119 SqFt

Status Active

MLS # 6765934

Property Type Single Family Residence

Price Type --

Your DREAM haven is here! Elegance meets comfort in this gorgeous 4-bed, 3-bath home in Tierra Del Rio. Stone accent details, a mature landscape, an RV gate, and a 2-car garage are just the beginning. Home exudes elegance with plantation shutters, layered crown molding, stylish light fixtures, recessed lighting, a neutral palette, wood-look tile flooring in common areas, and plush carpet in bedrooms. The perfectly flowing open layout is adorned with a fireplace, perfect for everyday living & entertaining! The impressive kitchen boasts sleek SS appliances, granite counters, a subway tile backsplash, a walk-in pantry, staggered white cabinetry, and an island w/breakfast bar. The open den provides versatility! The owner's suite has a lavish bathroom with dual vessel sinks & a walk-in closet. Laundry room with cabinetry for added convenience. Beyond the interiors, the backyard oasis holds its own charm! With mountain views, a covered patio, Ramada, string lights, well-laid pavers, a firepit, artificial turf, and a sparkling pool & spa combo, this space promises year-round enjoyment. The storage shed is an added perk. PLUS! This gem also has SOLAR PANELS for energy savings. See it! Love it! Live it!

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3308 S Country Club Way Tempe, AZ 85282

$734,900

4 Beds

2 Baths

2,205 SqFt

Status Active Under Contract

MLS # 6746849

Property Type Single Family Residence

Price Type --

Completely Remodeled 4-Bedroom, 2 bathroom home with Stunning Pool on a Huge Lot in a Well-Established Neighborhood - No HOA! Step into modern elegance with this beautifully remodeled home. The property seamlessly blends contemporary design with timeless comfort, offering a spacious layout perfect for family living and entertaining. The home features two inviting living spaces, one of which includes a cozy fireplace, ideal for relaxing evenings. The heart of the home is the stunning chef's kitchen, equipped with sleek cabinetry, high-end stainless-steel appliances, including a 6 burner gas stove, ample counter space, and natural lighting due to the skylight above, perfect for culinary enthusiasts. Right next to kitchen is the perfectly placed dining area for family feasts. Every inch of this home has been thoughtfully updated including new flooring throughout, stylishly super modern remodeled bathrooms, and fresh finishes in every bedroom. Stepping outside, you'll find a completely remodeled pool that's perfect for summer relaxation or weekend entertaining, all set on a huge lot with endless possibilities for outdoor living. No details were left out on this renovation. All this on cul-de-sac with a 2 car garage with driveway for more parking space. Indoor laundry space located as you walk in from garage. Garage equipped with outlet for EV charger if needed also equipped with soft water hook up. This property offers modern amenities, ample space, and the warmth and charm of a well-loved neighborhood, providing the best of both worlds.

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23713 N 160th Court Surprise, AZ 85387

Open House

$734,900

3 Beds

3 Baths

2,159 SqFt

Status Active

MLS # 6775180

Property Type Single Family Residence

Price Type --

Welcome to this stunning custom-built home on a select lot in a cul-de-sac! You're greeted by a 2+-car garage, double gate to backyard, and a welcoming porch. Discover an inviting great room with high ceilings, attractive wood-look flooring, and sliding doors leading to the backyard for seamless indoor-outdoor living. The upgraded gourmet kitchen comes with quartz counters, abundant cabinetry with crown moulding, a tile backsplash, stainless steel appliances, a walk-in pantry, and an island with a breakfast bar. Open bonus room offers space for a rec room, office, or den. The main bedroom includes plush carpeting, an ensuite with double sinks, and a walk-in closet. Venture out onto the backyard, boasting a covered patio, stylish pavers, a charming gazebo, & refreshing pool. This home is an EPA Indoor airPlUS Qualified Home. It is designed and built for improved indoor air quality and energy efficiency. A list of the upgrades from the basic Raymond standard plan is available. There are extensive higher end packages including, but not limited to the gourmet kitchen, master bathroom shower, windows, and driveway. The area for a 3rd golf cart/car storage in garage has been converted to additional storage with built-in cabinets.

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885 Grapevine Lane Prescott, AZ 86305

$734,854

3 Beds

2 Baths

1,940 SqFt

Status Active

MLS # 6780250

Property Type Single Family Residence

Price Type --

Check out this modern 3-bedroom, 2-bathroom home on a 1/2 acre lot with stunning views of the City and Granite Dells. It offers an open layout with new luxury laminate floors, a spacious family room, and whole-house sound wiring. The kitchen is equipped with filtered and soft water systems and outside. The property also includes an oversized 3-car garage, a flat driveway, and a tile roof for added convenience and durability.

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3041 N 70th Street Scottsdale, AZ 85251

$734,700

1 Bed

1 Bath

744 SqFt

Status Active

MLS # 6418157

Property Type Single Family Residence

Price Type --

DO NOT Disturb tenants. This property is part of a development opportunity and is listed in conjunction with 3 adjacent parcels.

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2535 Dillon Boulevard Chino Valley, AZ 86323

$734,610

3 Beds

2.5 Baths

2,144 SqFt

Status Active

MLS # 6776838

Property Type Single Family Residence

Price Type --

Live in serenity at Heritage Pointe by CastleRock Communities. Nestled in Chino Valley, just outside of Prescott. This charming community offers a haven for families seeking an extraordinary living experience with each home on a 1-acre lot. The Orchard offers an impressive great room that is open to the integrated kitchen with an island and breakfast area, allowing for ideal enjoyment. The 2-Car & RV garage that this property offers is ideal for storing your recreational vehicle while you plan for your next outdoor escapade! Heritage Pointe offers 7 distinct floorplans, modern amenities, open-concept layouts with designer finishes. You won't want to miss out; plan a visit with us today.

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3548 E Mesquite Street Gilbert, AZ 85296

$734,600

3 Beds

2.5 Baths

2,425 SqFt

Status Active

MLS # 6757069

Property Type Single Family Residence

Price Type --

Your dream home awaits in the highly sought-after Morrison Ranch community, one of Arizona's most desirable neighborhoods. This stunning home has 3 spacious bedrooms, 2.5 baths, plus a DEN and LOFT, offering space for relaxation and entertainment. The recently remodeled kitchen boasts modern finishes, including a 9ft quartz island with ample cabinets.The first floor showcases brand new tile flooring. Private oasis welcomes you with a beautiful 9 ft deep pool, surrounded by lush greenery, and a charming fig tree. Near the main community walking path, scenic silos, and a tranquil lake. Morrison Ranch offers an array of amenities, including parks, and pickleball. Within the highly acclaimed Gilbert school district and minutes away from shopping and valley freeways.

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