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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1283 E Saragosa Street Chandler, AZ 85225

$730,000

5 Beds

3 Baths

3,662 SqFt

Status Active

MLS # 6714405

Property Type Single Family Residence

Price Type --

Stunning upgraded Home with 5 bedroom plus large flex room. Beautiful entry, large formal living and dining with tile, stone and plantation shutters. Kitchen has Cherry cabinets , stone flooring and corian counters. Large family room w/ gas fireplace. Guest bedrooms, full bath downstairs. Amazing master suite on second floor. Private pool in spacious backyard. Beautiful Park Across the street.

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5137 N 183rd Lane Litchfield Park, AZ 85340

$730,000

4 Beds

3 Baths

3,430 SqFt

Status Active

MLS # 6738557

Property Type Single Family Residence

Price Type --

Nestled in the beautiful Azure Canyon subdivision, this contemporary home was completed in October 2022 and boasts a thoughtfully designed open floor plan that prioritizes space and functionality. The inviting formal dining area is perfect for gatherings, while the kitchen features granite countertops, a gas cooktop, stainless steel appliances, and a spacious two walk-in pantries. With four well-appointed bedrooms, an office, and a flex den, this home offers ample room for family and guests. The primary suite serves as a serene retreat, complete with a luxurious bathroom featuring a free-standing tub, separate shower, and large walk-in closet. It's convenient location allows easy access to the I-10 and SR 303.

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18925 S 211th Way Queen Creek, AZ 85142

$730,000

3 Beds

2.5 Baths

2,654 SqFt

Status Active

MLS # 6753009

Property Type Single Family Residence

Price Type --

The one you've been waiting for! Located in Queen Creek's prestigious Gateway Quarter neighborhood, this stunning residence has been meticulously maintained and shows just like a model home. A rare find on the ONLY oversized lot in the community! Stunning curb appeal with an upgraded Hill Country elevation, stacked stone accents, paver driveway, three-car split garage, and an inviting front porch. Step inside to discover a spacious floor plan adorned with high-end finishes and upgrades throughout. The gourmet kitchen is a chef's delight, featuring quartz countertops, tile backsplash, custom cabinets, stainless gas appliances, and a spacious island perfect for entertaining. The inviting living area offers an elegant design, abundance of natural light, and provides a seamless transition to the expansive backyard. Retreat to the luxurious owner's suite complete with a spa-like bathroom featuring dual vanities, a soaking tub, separate shower with rain showerhead, and a roomy walk-in closet. The additional bedrooms and den are split from the primary suite, offering privacy for family and guests. The outdoor space includes an extended covered patio, pavers, artificial turf, dog run, attached storage room, and plenty of room for a pool, garden, or whatever you desire. Other features include 10' ceilings, 8' doors, wood look tile throughout with carpet in the bedrooms, built-in surround sound, gorgeous lighting & ceiling fans, and a huge laundry room with a sink and built-in cabinets. This gorgeous home offers close proximity to top-rated schools, shopping, dining, and entertainment options. Don't miss out, see it today!

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12961 N 151st Drive Surprise, AZ 85379

$730,000

4 Beds

3 Baths

3,541 SqFt

Status Active

MLS # 6756150

Property Type Single Family Residence

Price Type --

Discover the perfect blend of comfort and privacy in this stunning 4-bedroom, 3-bath home. Nestled on a huge corner lot with a lush greenbelt as your backdrop, this property offers unparalleled seclusion and beauty. Enjoy endless outdoor fun with your very own sport court and serene water feature, surrounded by vibrant landscaping. The private pool invites you to unwind in your own personal oasis. Whether entertaining guests or seeking quiet relaxation, this home provides everything you need for an exceptional lifestyle. Don't miss out on this unique opportunity to own a slice of paradise!

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1023 E Canyon Street Apache Junction, AZ 85119

$730,000

3 Beds

2 Baths

2,094 SqFt

Status Active

MLS # 6766777

Property Type Single Family Residence

Price Type --

Looking for a new home? You've found it! This beautiful 3 bed, 2 bath residence sits on an oversized 1.25 acre lot w/fantastic mountain views & features a manicured desert landscape, 2 car garage, and an RV gate. Discover a spacious living area w/high ceilings, elegant wood-look flooring, and custom palette throughout. The eat-in kitchen is comprised of wood cabinetry w/crown moulding, a pantry, granite counters, built-in appliances, pendant lighting, and a peninsula w/a breakfast bar. End your busy day in the primary bedroom, boasting a walk-in closet and a private ensuite w/dual sinks for added convenience. Also including an expansive backyard w/a covered patio, this home is a true gem! Home is on its own well not shared. AC replaced in 2020, also water heater and soft water system.

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1521 E Pinchot Avenue Phoenix, AZ 85014

$730,000

4 Beds

2 Baths

1,921 SqFt

Status Active

MLS # 6740360

Property Type Single Family Residence

Price Type --

Be excited to see this highly renovated single-story home in a great location! Excellent curb appeal w/a large front yard, captivating brick accents, a 2-car garage, & paver driveway. Fall in love w/the immaculately designed interior, highlighting a desirable open layout enhanced w/soaring vaulted ceilings, recessed & stylish light fixtures, gleaming tile floors, an accented wall, & abundant natural light. Chef's kitchen is fully equipped w/quartz counters, a mosaic tile backsplash, a plethora of white cabinetry, a pantry, & an island w/a breakfast bar. Find your sanctuary in the main suite, offering soft carpeting, a sophisticated ensuite w/a soaking tub, a step-in shower, dual sinks, & a walk-in closet. Out the back, you have an open patio ideal for fun BBQs. Hurry! It's move-in ready!

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4242 E Montecito Avenue Phoenix, AZ 85018

Open House

$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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1880 W Roderick Lane Wickenburg, AZ 85390

$729,999

2 Beds

2.5 Baths

1,852 SqFt

Status Active

MLS # 6762542

Property Type Single Family Residence

Price Type --

Welcome Home to this amazing property located in the heart of Wickenburg! This 2.4 acre property features all the amenities of city living but still situated far enough away to enjoy the mountain views, dark night skies and a cooler weather along with being located within Wickenburg Country Club with NO HOA! Plenty of room for your horses and close to the arenas for roping, your side by sides for all of the trails and don't forget your clubs, it's just a short ride to golf as well! Bright open kitchen with plenty of storage, great open floor plan including 3 beds 2 baths AND house has solar to help with those high electric bills during the hot summer months. Attached one car garage AND pull through RV garage.

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4232 W Porter Lane Queen Creek, AZ 85144

$729,999

4 Beds

2.5 Baths

2,697 SqFt

Status Active Under Contract

MLS # 6745613

Property Type Single Family Residence

Price Type --

NO HOA! Brand new high end construction. Built to be the most energy efficient homes on the market. Spray foam insulation with solid 2x6 construction keep your energy bills lower. Amazing 4 bedroom 2.5 bathroom with open split floorplan. Upgraded kitchen cabinets and appliances with stunning large waterfall island. Huge pantry with outlets for appliances and a built in beverage center included. Tall ceilings and upgrades throughout this home make it one of our most popular floorplans. Huge 3 panel sliding window opens up to your massive backyard with so much potential on this 1.25 acre lot. This house is fully move in ready with custom front yard landscaping included and wont last long!

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13480 N 103rd Place Scottsdale, AZ 85260

$729,999

4 Beds

3 Baths

2,114 SqFt

Status Active

MLS # 6737752

Property Type Single Family Residence

Price Type --

There's a reason so many people want to move to Scottsdale, Arizona. The community of Mountainview Ranch is located just minutes from the McDowell Mountains, the Scottsdale Airport, Ancala Country Club, Scottsdale Country Club, Kierland & so much more. This four bedroom home features vaulted ceilings & beautiful tile & wood flooring throughout. There's two separate living areas, providing plenty of room for everyone to relax & entertain. The kitchen has a gas stovetop, an island, & storage. Downstairs you'll also find one of the bedrooms & a full bathroom. The spacious owner's suite has a separate shower & soaking tub, double vanities, & a spacious walk in closet. Out back you'll discover a relaxing water feature & beautiful vegetation such as rose bushes & a pomegranate tree. Don't miss out on the opportunity to own an incredible house like this in Scottsdale, Arizona. Welcome home!

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11465 E Utah Avenue Mesa, AZ 85212

$729,990

6 Beds

4.5 Baths

4,173 SqFt

Status Active

MLS # 6781790

Property Type Single Family Residence

Price Type --

Discover this exquisite six-bedroom, 4.5-bath spanish-style home with an office and loft. The grand design features soaring 10-foot ceilings on both levels and striking 8-foot doors with brushed nickel handles. Natural light floods the great room through a 4-panel center slider, illuminating the 8x36'' wood-look tile flooring and crisp 4.25-inch baseboards throughout. Retreat to the primary bath's oversized shower, separate soaking tub, and dual vanities with brushed nickel faucets for a spa-like feel. The chef's kitchen boasts a 36-inch gas cooktop, wall oven, built-in microwave, grey quartz countertops, and white shaker cabinets with a hidden trash pull-out. Polished nickel hardware and a designer tile backsplash complete this refined space. Every detail embodies luxury and comfort, making it a sanctuary for modern living. Embrace the elegance and charm of this one-of-a-kind residence.

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22442 E San Tan Boulevard Queen Creek, AZ 85142

$729,990

4 Beds

3.5 Baths

3,464 SqFt

Status Active

MLS # 6668711

Property Type Single Family Residence

Price Type --

Up to 3% of base price or total purchase price, whichever is less, is available through preferred lender plus additional 2% of base price or total purchase price, whichever is less, is available to be used toward closing costs, pre-paids, rate buy downs, and/or price adjustments. Located in an exclusive gated enclave within the vibrant Harvest community, the Enchantment series offers a prime location near swimming pools, a catch-and-release lake, and a park. It provides a quiet retreat close to shopping and entertainment. The well-appointed kitchen, featuring a large island and pantry, is perfect for entertaining or relaxing. Additionally, there's a full guest suite with a living room, ideal for visitors or permanent guests. Don't miss this opportunity.

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