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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10718 E Vivid Avenue Mesa, AZ 85212

$729,900

6 Beds

3.5 Baths

3,661 SqFt

Status Active

MLS # 6766819

Property Type Single Family Residence

Price Type --

Located in the highly desired.. EASTMARK community which inlcudes full access to pools, parks, lakes, a club house and much more! Open floor plan with eat-in kitchen oversized island & breakfast bar, granite counters, walk-in pantry, gas range, stainless appliances, dual wall oven, plenty of cabinet storage & counter space, including room for your own coffee/tea/bar area. The inviting family room features an abundance of natural light. The private master suite offers separate dual vanities, soaking tub, shower, and large walk-in closet. With a split floor plan, 3 additional bedrooms on the first floor and area for formal dining. This home has all the benefits of single-level living with the added bonus of a second floor with two bedrooms and full bathroom. Solar panels included!

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12903 W Brookhart Way Peoria, AZ 85383

Open House

$729,900

2 Beds

2 Baths

1,867 SqFt

Status Active

MLS # 6712796

Property Type Single Family Residence

Price Type --

Desireable 2 bdrm, 2 bath ''LIBERTAS'' Functional, Split floor plan w/den or bonus room off entry. OPEN & BRIGHT Concept. MANY DESIGNER touches throughout: STUNNING Huge GRANITE Countertops- ideal for entertaining, Stainless Steel Appliances, Gas Stove, High Grade Cabinets, 20'' tile, carpet in bdrms, HUNTER DOUGLAS BLINDS (Main living & Kitchen w/remotes) 10' ceilings, Primary bath has double sinks, tile counters, decorative backsplash, tiled shower & walk in closet. GARAGE w/4' width Extension, EXTRA outlets for Golf Cart & Fridge or work area, Key Pad & KEYLESS ENTRY. Professionally Landscaped, Interior Lot w/AMAZING Views, IDEAL N/S exposure, Large, extended, covered Travertine Patio, Privacy Panels, Ceiling Fans, Custom -rocked Gas fireplace, Plug in for TV & 2 person Hot Tub conveys

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8308 E Holly Street Scottsdale, AZ 85257

Open House

$729,900

4 Beds

2 Baths

1,648 SqFt

Status Active

MLS # 6730275

Property Type Single Family Residence

Price Type --

All-new remodel with designer touches throughout! This home blends modern upgrades with highly sought after mid-century architectural charm. Built in the 1960s, it's complete with original breeze block entry, clean lines, and large windows that flood the space with natural light. New kitchen with quartz counters, top-of-the-line LG appliances, large pantry/laundry room with 2nd refrigerator and front-load washer/dryer. Both bathrooms have been completely updated with stylish finishes and modern amenities. Other upgrades include new windows, Flooring, roof, and interior/exterior doors, front and back easy care landscaping, with RV gate. Located in Scottsdale with easy access to the Scottsdale bike path, schools, freeways, and parks, shopping, nightlife, and spring training Owner/Agent

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4751 W Pueblo Drive Eloy, AZ 85131

$729,800

3 Beds

3.5 Baths

2,513 SqFt

Status Active

MLS # 6771142

Property Type Single Family Residence

Price Type --

Simply the best! Awesome price in Robson Ranch, From the heated over the top private pool with waterfall, to the Casita for ''mother-in-law'', or private office, THIS IS THE ONE!! Quick occupancy possible. FURNITURE NEGOTIABLE. Top of the line quality furniture includes all appliances, area rugs, TV;s, etc. Garage has updated insulation, MINI SPLIT for year round enjoyment of garage, 3++ car garage, floor epoxy, mint condition. Telavera model that has all the space you need! Neutral tile floors, primary bedroom with door to patio and pool, all new carpet in bedrooms and casita, most of interior painted 2022-23. Central air compressor just replace. Pool with gas heater, crystal clear! Priced at a super GREAT value. You deserve it! Integra block construction for energy efficiency!

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5151 N 13th Place Unit 4 Phoenix, AZ 85014

$729,500

3 Beds

2.5 Baths

2,136 SqFt

Status Active

MLS # 6774323

Property Type Townhouse

Price Type --

Step into this stunning 3-bedroom, 2.5-bathroom townhome with an additional upstairs bonus loft, designed for sophisticated urban living. Built in 2022, the home boasts a chef-inspired kitchen featuring stainless steel appliances, a gas range, a striking quartz waterfall island, and a generous walk-in pantry. The light-filled living area is enhanced by beautiful wood plank flooring and multi-slide doors that lead to a cozy front patio.Upstairs, the primary suite is complete with dual closets featuring upgraded organizers and a barn door leading to a spa-inspired bathroom. The second-floor laundry room includes a sink and newer washer/dryer for your convenience. On the third floor, step out to the private rooftop deck, renovated in 2024, offering breathtaking mountain and city light views. Additional features include a 2-car rear-entry garage with epoxy floors, a Simplisafe alarm system, and a Ring doorbell for added security. The home is also equipped with a whole-home soft water system with a recirculating pump and a reverse osmosis (RO) system for top-tier water quality. Located in Nirvana at Colter, a contemporary community of 29 townhomes, you'll enjoy a balance of privacy and connection. Residents have access to a sparkling community pool and BBQ area, perfect for outdoor gatherings. This central Uptown Phoenix location puts you at the heart of a vibrant cultural scene, with quick access to the popular 7th Street Restaurant Row, Central Avenue's dining and shopping hotspots, and plenty of nearby boutiques. Experience the best of urban living with easy access to hiking and biking trails, downtown Phoenix, freeways, and more.

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4601 E Peak View Road Cave Creek, AZ 85331

$729,500

4 Beds

2 Baths

2,182 SqFt

Status Active

MLS # 6763083

Property Type Single Family Residence

Price Type --

Welcome to this charming 4 bedroom, 2 bath home nestled in the beautiful and private Tatum Ranch Community. This home seamlessly blends comfort and functionality. As you enter, you'll immediately notice the spaciousness of both the formal living room and the family room, ideal for entertaining or cozy night in by the fire. A dedicated den provides the perfect spot for a home office, library, workout room or studio. For the hobbyist or DIY enthusiast, the garage offers a fantastic workshop area, perfect for woodworking, crafting, or any personal projects. The backyard is beautifully landscaped and low maintenance with a blend of pavers and turf leaving lots of options. This home is immaculate, move-in ready, and has been lovingly cared for. Don't miss this gem!

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766 W Locust Drive Chandler, AZ 85248

$729,000

4 Beds

2 Baths

2,303 SqFt

Status Active Under Contract

MLS # 6766701

Property Type Single Family Residence

Price Type --

Beautiful 4-bedroom single level home! Sparkling play pool with new Pebble Tec and pool pump/filter. 3 car garage. 2 new complete HVAC systems. Extra attic insulation. Large eat in kitchen with oversized island, granite counter tops, gas range, stainless steel appliances, and separate drink fridge. Large primary bedroom and ensuite with new built-in closet system. Beautiful back yard with pavers and large covered patio great for entertaining. North-South facing lot just a short distance from Basha Elementary and neighborhood park.

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2805 N 13th Avenue Phoenix, AZ 85007

$729,000

3 Beds

2 Baths

2,148 SqFt

Status Active

MLS # 6763043

Property Type Single Family Residence

Price Type --

Experience urban living at its best in the highly sought-after historic community of Encanto Manor. This mid-century modern home, located near the Encanto Golf Course, has undergone extensive upgrades while maintaining its historic charm. Offering three bedrooms and a spacious flex room that can easily be converted into a fourth bedroom, this gem is just minutes from trendy restaurants and freeway access. The inviting courtyard, featuring a large, serene fountain, adds to the home's charm. The clean lines and minimalistic architecture highlights mid century modern design. All stainless appliances convey with remodeled kitchen with a custom sitting booth in kitchen, 5 ton 19 seer Trane variable AC the most energy efficient AC on market (2021) ,all new energy efficient Anderson windows,newer electrical panel, recessed lighting throughout,newer ceiling fans,newer architectural shingle 50yr roof, outdoor covered sitting areas, way too many items to list. Encanto Manor is adjacent to shopping, bistros, and neighborhood dining!

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4151 E Cullumber Court Gilbert, AZ 85234

$729,000

5 Beds

3 Baths

3,098 SqFt

Status Active

MLS # 6733642

Property Type Single Family Residence

Price Type --

Welcome to Highland Groves at Morrison Ranch, known for its lush green grass and charming white picket fences. This beautiful home boasts a prime location at the end of a quiet waterfront cul-de-sac with no neighbors to the east. Enjoy the serene setting across from a neighborhood park, with great amenities including fishing ponds, walking paths, playgrounds, and basketball courts. Featuring 5 bedrooms and 4 bathrooms, the functional floor plan includes a full bedroom and bathroom on the first floor. Recent upgrades include brand new interior paint and flooring (2024), a newer hot water heater (2023), microwave, new HVAC systems (2024), Conveniently located with easy access to the 202.

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27227 N 31st Drive Phoenix, AZ 85083

$729,000

4 Beds

2 Baths

2,958 SqFt

Status Active

MLS # 6745715

Property Type Single Family Residence

Price Type --

Wow! What an ENTERTAINER'S DREAM, only 10 MINUTES AWAY from new world-renowned TSMC SEMICONDUCTOR! Boasting ALMOST 3000 SQ FT, Single-Leve, on HUGE PIE-SHAPED LOT w/RESORT-STYLE BACKYARD w/fiberoptic lit POOL, BUILT-IN BBQ, Covered PATIO, a TURF AREA for DOGS & KIDS! +$5k floor credit! **SEPARATE FAMILY & LIVING ROOMs w/UPGRADED KITCHEN have been METICULOUSLY MAINTAINED & only 5 MILES to pristine ''500 CLUB GOLF COURSE''! Its PRIMARY OWNER's SUITE offers RARE extra SITTING ROOM private sanctuary to use as a DEN or Gym! A 2020 Trane HVAC has 10-year warranty *FRONT BEDROOM could be IDEAL PRIVATE GUEST SUITE w/adjacent bathroom secluded from other bedrooms for guests' ultimate privacy! **LOCATED NEAR EVERYTHING- shopping, restaurants, parks, hiking & mins away from I-17 & Loop-101 freeways

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1436 W Windhaven Avenue Gilbert, AZ 85233

$729,000

3 Beds

2 Baths

2,300 SqFt

Status Active

MLS # 6768851

Property Type Single Family Residence

Price Type --

This beautifully updated 3-bed+Den (or 4th bed), 2-bath, single-story home on a 16,747 sq ft lot w/ newer HVAC (2021), offers modern design and spacious outdoor living. A bright and open floor plan features wood-look flooring, a large fully remodeled kitchen with granite countertops, stainless steel appliances, and an inviting island with seating. The large sunroom is the perfect space for a game room/office or additional living room! The primary suite boasts a luxurious ensuite with dual vanities, a large walk-in shower and a soaking tub. This expansive backyard includes a covered patio, mature trees, ample space for outdoor activities or future customization. A serene location, complete w/ community pool & park, just 2 miles from Gilbert's Heritage District, + brand new carpet and paint With move-in-ready finishes, make this home a must-see!

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2926 E Fountain Street Mesa, AZ 85213

$729,000

5 Beds

3 Baths

2,931 SqFt

Status Active

MLS # 6776275

Property Type Single Family Residence

Price Type --

A Beautiful Permanent rock grill, Plantation Shutters, Travertine Pavers in front and back..........and.....NO HOA! Imagine YOUR family living here. Aren't they worth it?

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