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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10460 E Fanfol Lane Scottsdale, AZ 85258

$725,000

2 Beds

2 Baths

1,473 SqFt

Status Active

MLS # 6764702

Property Type Single Family Residence

Price Type --

Impeccable Remodeled Gorgeous Home Ready to Move-in to! This popular Single-level floorplan features a Spacious Primary Bedroom with 12' Ceilings, a Walk-in Closet, and Ensuite Bath: a Cozy Living Room, 2 car Garage, and an Easy to maintain Backyard with a Covered Patio, Barbeque Grill and Lush Landscaping. You'll Love the appeal of Suntree East, an Exclusive Gated Community of 192 homes that provides privacy & walkable streets lined with grass front yards, a Heated Community Pool, and Social Activities. Exceptional location is close to the loop 101, Honor Health, and Scottsdale Ranch Park, Tennis Center and a 10-minute walk to the Mergado Shopping Centre.

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4647 N 24th Street Phoenix, AZ 85016

$725,000

3 Beds

2 Baths

1,800 SqFt

Status Active

MLS # 6764476

Property Type Single Family Residence

Price Type --

Prime Biltmore location with incredible potential! This beautifully remodeled 3 bedroom, 2 bathroom home is nestled in the heart of the coveted Biltmore area, just steps from the upscale shopping and fine dining that make this neighborhood so desirable. Situated on a high-visibility street, this property offers an exceptional opportunity for a home-based business with its dedicated office space. Imagine welcoming clients into your professional workspace while still enjoying the comforts of home. Beyond its business potential, this residence boasts a spacious and inviting interior, perfect for relaxing or entertaining. Don't miss out on this chance to own a piece of the Biltmore lifestyle!

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18675 N 91st Street Scottsdale, AZ 85255

$725,000

2 Beds

2 Baths

1,542 SqFt

Status Active

MLS # 6765572

Property Type Single Family Residence

Price Type --

Great value for a single-family home in Central Scottsdale's Ironwood Village. Clean and well maintained 1-level with 2 split bedrooms, 2 bathroom, open living concept with high vaulted ceilings and lots of light. Landscaping boasts a variety of cactus and well-groomed trees and shrubs including citrus. Enjoy the over-sized backyard patio on those relaxing evenings. Ceiling fans, sunscreens, water softener, and newer water heater, roof and a/c will help keep your utility and maintenance costs reasonable. Nearby recreational opportunities at Ironwood Park, the Gateway Trailhead and more. This would make a great home for any small household or winter visitors. Similar comps are in the $825K range, so there's room to put your own stamp on refreshing the mostly original interior.

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4813 W Yoosooni Drive New River, AZ 85087

$725,000

3 Beds

2.5 Baths

2,666 SqFt

Status Active

MLS # 6771298

Property Type Single Family Residence

Price Type --

Discover your perfect home in Anthem Parkside's desirable Arroyo Grande neighborhood! This beautiful ''Majesty'' model offers all the comforts of modern living with the freedom to park your RV or boat on your property—no HOA restrictions! The inviting courtyard and secure screen door lead you into a single-level layout featuring 3 bedrooms, an office/den, and 2.5 bathrooms. The chef's kitchen showcases stainless appliances, granite counters, and a spacious island. Enjoy privacy in the master suite with access to a tranquil backyard oasis, complete with a gas fire pit, hot tub, and built-in BBQ. With owned solar and low-maintenance landscaping, this home is a rare find!

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8009 W Northview Avenue Glendale, AZ 85303

$725,000

4 Beds

3.5 Baths

3,240 SqFt

Status Active

MLS # 6770733

Property Type Single Family Residence

Price Type --

*THIS HOME IS A VIBE* Get ready to entertain with this one! Open Floorplan with Tile Flooring, Granite C/Tops, 42-inch Cabinets w/Under Lighting, Kitchen Island w/Bar Seating & Custom Pendants, Rare Backsplash, Walk-in Pantry, Stainless Appliances including Gas Cooktop, Hood & Double Wall Ovens, Ceiling Fans, 8-foot Doors, Teen Space near Guest Bedrooms, Split Master Suite, Additional Bedroom has its own Ensuite Bathroom + all Bedrooms have Walk-In Closets. 3-Tier Sliding Door leads to the Backyard where you'll find Extended Patios w/Power & Fans, TV setup, Turf, Paver Hardscape, Custom Fence Murals, String Lights & Low Voltage Lighting to create the perfect ambiance! Triple (tandem) Garage, RV Gate w/Slab behind, Fenced Dog Run. Gated Community with Park around the corner. KEEP READING! Nearly new having been built in 2022. Additional features include window blinds, formal dining space + eat-in kitchen area, 1/2 bath for guests off the living space, tall vanities in all bathrooms plus double sinks in main guest bathroom & master, water softener, oversized laundry room, security system, paver driveway, coach lights, north/south exposure lot, gas stub in back for easy installation of an outdoor kitchen / firepit. Location close to Westgate & Park West Entertainment, Shopping & Dining options plus Loop 101 Freeway is convenient too.

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28389 N 131st Drive Peoria, AZ 85383

$725,000

5 Beds

3 Baths

2,475 SqFt

Status Active

MLS # 6770836

Property Type Single Family Residence

Price Type --

Immerse yourself in pure luxury! This stunning 5-bedroom residence includes a rare-find, 4-car garage! The breathtaking exterior includes an upgraded paver driveway, charming brick accents, and a premium lot with the added privacy of no neighbors behind, securing unobstructed views! Fall in love with the enchanting interior, featuring an open floor plan with 10 ft ceilings, a tranquil greige palette, & stylish tile that mimics the look of wood flooring without the inconvenience. The immaculate kitchen comes with quartz counters, abundant shaker style cabinetry with crown moulding, pendant/recessed lighting, stainless steel appliances, pantry, and a large center island with plenty of seating for casual gathering and entertaining! Unwind in the primary suite located off the main living area, offering plush carpeting in all the right places, clerestory windows for ample natural light, an ensuite with double sinks, and an expansive walk-in closet. Retreat to an oasis backyard through the one of the large sliding glass doors, where you'll find a lovely covered patio, privacy and mountain views. There is a well-manicured lawn and stylish pavers, perfect for hosting weekend BBQ get-togethers. On the other side of the home, you'll find additional bedrooms to meet all your needs, along with ample bathroom space for added convenience. Make this newer built gem all yours!

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43630 N 20th Street New River, AZ 85087

$725,000

3 Beds

2 Baths

1,772 SqFt

Status Active

MLS # 6770262

Property Type Single Family Residence

Price Type --

Fully Remodeled home from top to bottom! So much work has been accomplished on this home, the surrounding terrain, the workshops etc, it's practically brand new again!! Far too much to list here, so o to doc section for complete list or ask for all details. This home sits on 2.58 acres with sweeping/360 degrees mountain views. Enjoy the wrap-around porch and take it all in. Major bonus is the 1260sf WORKSHOP, GIANT PRIMARY SUITE, RV CARPORT w/ power, horse privileges. Additional and separate arts and crafts studio (or additional covered storage if you need it) on property. Complete new roof installed 2023' as well! The sunsets seen here are simply next level, so don't miss this one! Two separate (1) acre lots are also available if you want additional land!

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960 W Hermosa Drive Wickenburg, AZ 85390

$725,000

3 Beds

2 Baths

1,888 SqFt

Status Active

MLS # 6770652

Property Type Single Family Residence

Price Type --

STUNNING!! Take a look at this beautiful 2021 custom, one level, Ranch style home. Starting with the front of the house w/ stylish stone exterior and colorful entryway. Open the front door to large picture windows, to take in the AMAZING VIEWS! Open floor plan. Large kitchen island featuring Quartz countertops, Stainless Steel appliances, modern lighting, large walk-in pantry & lots of cabinet space. 2 bedrooms for guests w/a tiled walkin shower. Master bedroom w/large walk in closet, luxurious tile shower & large windows for natural light. Access to the backyard to relax on the covered patio. 28x14 pool, 3-5 ft deep. Beautifully landscaped w/rock, natural desert vegetation, synthetic grass & colorful flowers. 2.5 car garage, built -in work bench. & 220 outlet. RV gate & hookup. No HOA.

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1264 E Walnut Road Gilbert, AZ 85298

$725,000

4 Beds

3 Baths

2,418 SqFt

Status Active

MLS # 6770933

Property Type Single Family Residence

Price Type --

Meticulously maintained and gorgeously updated Shea Home in Vista Dorada. Open, great room style floor plan with a downstairs media room/office. 4 large bedrooms including a giant master en suite with custom shower, cabinetry, tile and counters. Walk in closet that can meet just about any shoe fetish to boot. 3 bathrooms, and an amazing indoor to outdoor feel that is perfect for entertaining! Sparkling pool surrounded by turf in the back that leads you to the outdoor kitchen under the cover of a pergola. 3 car tandem garage with lots of room for storage, and an RV gate with even more space for toys. Great location, schools, amazing neighbors, and it's ready for you! Welcome home.

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20750 N 87th Street Unit 2131 Scottsdale, AZ 85255

$725,000

3 Beds

2 Baths

1,825 SqFt

Status Active

MLS # 6772315

Property Type Townhouse

Price Type --

This gorgeous ''Villa Four'' floor plan in Encore at Grayhawk is a gem! The open concept great room seamlessly blends dining, kitchen & entertainment spaces . Walking upstairs you'll find a beautifully designed kitchen with granite counters, tiled backsplash, alder cabinets, stainless appliances (including gas range), large pantry, breakfast bar & lots counter space. Kitchen looks out to a spacious living room with built-in entertainment center & gas fireplace, making the entire area perfect for entertaining. Just beyond is a large balcony with access from living room. Owner's suite and bath offer a walk-in closet, separate tiled shower & tub, dual vanities and private patio access to balcony. Walk to the Grayhawk Golf Club and the many shops and restaurants at DC Ranch Market and more!

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4427 S Priceless View Drive Gold Canyon, AZ 85118

$725,000

3 Beds

2 Baths

2,039 SqFt

Status Active

MLS # 6772597

Property Type Single Family Residence

Price Type --

Talk about Priceless Views! Welcome to a beautifully upgraded oasis nestled in the heart of Gold Canyon, AZ. This exceptional residence offers the perfect blend of modern luxury and desert charm, making it a true gem in the community. This home is entertainment ready! Top-of-the-line surround sound system. Cook in style with Samsung Bespoke appliances and commercial grade fixtures that deliver superior performance, making it a chef's dream. Pamper your guests in the newly designed custom designer shower featuring contemporary finishes and a spa-like feel. Curb appeal too, includes new paint, designer wood series garage door, Beautifully landscaped yard, commercial mist system. Plus added peace of mind with new whole home water softer, and recent roof resurfacing.

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15008 N 48th Place Scottsdale, AZ 85254

$725,000

3 Beds

2.5 Baths

1,674 SqFt

Status Active

MLS # 6773475

Property Type Single Family Residence

Price Type --

Spacious Three Bedroom, Two-and-a-half bathroom beautiful home in 85254. Fresh paint inside and out with trendy, neutral color palette. New wood-like durable laminate in great room and family room, tile in kitchen and bathrooms, all bedrooms new, neutral-colored, comfortable carpet. Perfect sized kitchen with crushed granite counter tops, stainless steel appliances, lots of cabinet space. TWO Fireplaces, one in Living Room, the other in Family Room. Light and bright and clean! Garage super clean, as well. Pool decking resurfaced. Nice long patio with built-in BBQ. Easy, low maintenance landscaping. No HOA!!!

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