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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9947 W Wizard Lane Peoria, AZ 85383

$725,000

4 Beds

2 Baths

2,142 SqFt

Status Active

MLS # 6776560

Property Type Single Family Residence

Price Type --

Discover your dream home with RV parking in a prime location! This 4-bedroom, 2-bath gem offers everything you need for comfortable living. The kitchen is a chef's delight, featuring granite countertops, a new GE refrigerator, gas stove/oven, microwave, and a new Bosch dishwasher. Freshly painted inside and out in 2024,New carpet,the home feels brand-new! Enjoy peace of mind with a new HVAC system installed in August 2024, complete with a transferable warranty. New Soft Water System 2024 The backyard is perfect for entertaining, boasting landscaping and a pool built in 2021 and an extended patio. This home is just a short walk to Liberty High School and only 5 minutes from the Four Corners—offering fantastic options for dining, shopping, and entertainment

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2107 S Paseo Loma -- Mesa, AZ 85202

$725,000

3 Beds

2 Baths

1,954 SqFt

Status Active

MLS # 6779459

Property Type Single Family Residence

Price Type --

Lake Front, Large Lot, Large Home, completely updated to today's standards! Lake view and access from both the master bedroom and the living room! New large 12 foot slider onto your back deck, New redesigned gourmet kitchen, New redesigned master suite. The large deck is perfect Homes with private access to the lake sell quickly. Don't let this one slip by.

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7663 E Pleasant Run -- Scottsdale, AZ 85258

$725,000

2 Beds

2 Baths

1,590 SqFt

Status Active

MLS # 6778636

Property Type Townhouse

Price Type --

Complete remodel, lock and leave, in impressive location with restaurants and shops in walking distance, on the Green Belt in McCormick Ranch. No expense spared on this full renovation. All new plumbing, new electrical, duct work, new flooring throughout. Big kitchen with lots of storage, walk in pantry, stainless steel appliances in a bright open floor plan going into the great room. Ceiling fans throughout. Primary bedroom is fantastic with plenty of room, well lit bathroom with skylights, double sink, free standing tub and a shower with waterfall and hand held wand, walk in closet. Second bedroom is spacious. This is one you will want to see. Great, quiet location within community, right next to the pool, just walk out your back slider. The nicest 2/2 in Pleasant Run!

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5115 W Piedmont Road Laveen, AZ 85339

$725,000

3 Beds

2 Baths

2,344 SqFt

Status Active

MLS # 6778626

Property Type Single Family Residence

Price Type --

Updated horse property in a prime central valley location with SRP flood irrigation! Recently painted inside & out with new vinyl flooring, this is the blank slate you have been searching for and more. The fully fenced back pasture features 3 large horse stalls with water/electricity and a new chicken coop with large run so you can enjoy fresh eggs daily! A block wall fenced yard off the house is a great space for you to create a private backyard oasis. Inside, the eat-in kitchen boasts quartz countertops, updated stainless steel appliances, and a breakfast bar. A wood burning fireplace in the family room creates a cozy atmosphere perfect for the holidays with loved ones. You don't want to miss this rare opportunity to own over an acre with NO HOA!

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420 W Mountain Vista Drive Phoenix, AZ 85045

$725,000

4 Beds

3 Baths

2,329 SqFt

Status Active

MLS # 6779431

Property Type Single Family Residence

Price Type --

Your private botanical oasis awaits in Ahwatukee, offering stunning mountain views & an ultra-lush landscape. This is a meticulously maintained home with a fresh new kitchen complete w/ under counter lighting & more. A true outdoor paradise, complete with a saltwater pool that can be illuminated in various colors, a soothing jacuzzi, and 22 trees, including fruit trees that ensure privacy as well as vibrant shrubs, herbs, & flowers, all complemented by a brand-new pergola, child protection around the pool, automatic lighting, and three fire pits for cozy gatherings. Inside, the luxurious master suite features a walk-out balcony & a spacious en-suite bathroom. New roof 2017, reverse osmosis & more. Top-rated Kyrene and Tempe schools. Careful, an oasis like this could disappear quickly!

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20421 E Ocotillo Road Queen Creek, AZ 85142

$725,000

4 Beds

1 Bath

1,137 SqFt

Status Active

MLS # 6778854

Property Type Single Family Residence

Price Type --

Historic Charm Meets Modern Comfort! Step into this captivating 4 bedroom, 2 bathroom home nestled in the heart of Queen Creek. The interior boasts stunning wood floors that flow seamlessly through the common areas, and into the newly remodeled kitchen. The large lot provides ample space for outdoor enjoyment, and the charming exposed brick exterior adds to the home's unique character. Experience the best of both worlds with this prime location, just moments away from downtown Queen Creek's vibrant shops and restaurants.

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12925 W Llano Drive Litchfield Park, AZ 85340

$725,000

4 Beds

3.5 Baths

4,194 SqFt

Status Active

MLS # 6781082

Property Type Single Family Residence

Price Type --

This stunning residence offers an unparalleled living experience. The spacious interior, bathed in natural light, features a gourmet kitchen perfect for culinary enthusiasts. The master suite, with its additional room, provides ultimate flexibility for a private gym, office, or media room. The expansive backyard is an entertainer's dream, featuring a sparkling pool and inviting patio. This meticulously maintained home offers a wealth of features, including a new roof, a three-car garage, and energy-efficient solar panels.

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243 S Tiago Drive Gilbert, AZ 85233

$725,000

4 Beds

2.5 Baths

2,979 SqFt

Status Active

MLS # 6781945

Property Type Single Family Residence

Price Type --

Spacious single-level 4-bedroom, 2.5-bathroom home with an extended 3-car garage on a large lot in a prime Gilbert location! This split floor plan offers both a living room and a family room with vaulted ceilings and plantation shutters. Family room includes a cozy fireplace. The kitchen features an island, granite countertops, refaced cabinets with pull-out shelves, a pantry, and an eating area, with the refrigerator included. Extra-large primary bedroom with backyard access, walk-in closet, and a beautifully updated bathroom with a tiled shower. Enjoy the sunroom/patio for year-round outdoor living! The low-maintenance backyard includes artificial turf. The garage offers additional storage cabinets and two 20-amp outlets for a freezer or compressor. Laundry room includes a sink, and there's a Kinetico water softener system. Recently painted exterior. Fantastic central location near the Heritage District!

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8033 W Robin Lane Peoria, AZ 85383

New

$725,000

4 Beds

2 Baths

2,147 SqFt

Status Active

MLS # 6782582

Property Type Single Family Residence

Price Type --

Your own private oasis located in Northern Peoria WITH RV parking! In the High End Neighborhood of Deer Valley Estates on large lots, the homes in this area are beautiful and wonderfully maintained. This home offers elevated Landscaping front and back, a diving pool, custom paint inside/out, Granite countertops in the eat in kitchen, gorgeous tile flooring, oil rubbed bronze fixtures, epoxied Garage floor, stainless steel Appliances and a drinking water filtration system incorporated in kitchen faucet. It is a must see for any buyer. Buyer to verify all information

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7341 N 157th Avenue Litchfield Park, AZ 85340

$725,000

4 Beds

3.5 Baths

3,465 SqFt

Status Active

MLS # 6782087

Property Type Single Family Residence

Price Type --

This fantastic gated two-story, 4 bed room home, separate Casita, nestled on a 1 acre lot brims with charm and character at every turn! Energy-efficient, a 2-car detached garage, a garden fountain, and a welcoming front porch are features that can't be left unsaid. The large living room and the formal dining room adorned with exposed ceiling beams, creating a warm, inviting atmosphere. Abundant cabinets with crown moulding, recessed lighting, built-in appliances, mosaic tile backsplash, and tile counters make this kitchen a cook's delight. Venture to the sizable primary bedroom, offering a walk-in closet and a private bathroom, adding convenience to your daily routine. Massive backyard includes a covered patio, gazebo, and storage shed. This gem is the one you've been looking for

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5653 S Crowley -- Mesa, AZ 85212

$725,000

2 Beds

2.5 Baths

2,470 SqFt

Status Active Under Contract

MLS # 6732727

Property Type Single Family Residence

Price Type --

Welcome to this wonderful home nestled in the Encore at Eastmark, an Active Adult Community. This community boasts top-tier amenities including pickle ball courts, a fitness center, swimming pools, walking paths and more. This immaculate single-level home features an open floor plan with neutral tones with wood and tile flooring. The entry opens to a dedicated office and formal living room, while a private-entry guest suite adds convenience for hosting. Primary suite has a large walk-in shower, expansive closet and double sinks with quartz counter tops. The heart of the home is the eat-in kitchen, complete with a large center island, gas cooktop, breakfast bar, and stainless steel appliances, along with a walk-in pantry and a butler's pantry that doubles as an additional office or hobby room. Enjoy the covered patio, an outdoor pergola, built-in BBQ, and an outdoor fireplace with family and friends. Located within walking distance to all community amenities, this home offers a luxurious, comfortable lifestyle in one of Mesa's most sought-after communities.

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4805 N Woodmere Fairway -- Unit 2007 Scottsdale, AZ 85251

$725,000

2 Beds

2 Baths

1,378 SqFt

Status Active Under Contract

MLS # 6753847

Property Type Apartment

Price Type --

Centered in the middle of Old Town Scottsdale and surrounded by the best restaurants, high end shopping + boutiques, 5 star luxury resorts, Camelback Mountain, hiking, & the buzzing nightlife, is The Sage Luxury Condominiums. For those desiring the low maintenance lifestyle, with everything at your fingertips, this is the one! With 2 bedrooms and 2 bathrooms, the 1,378 sq ft condo, features French oak floors, open concept kitchen-dining-living, cozy gas fireplace, sunset/camelback mountain views, split floorplan, custom cabinetry throughout, granite + marble countertops, plantation shutters, the list goes on. The community amenities can't be beat: with the elevator entry, no interior steps, gated underground parking with EV charging stations, heated pool & spa, fire pits, grill area, cabanas, clubhouse/rec room with 2 gyms, and a private wine cellar with tasting room AND this condo comes with it's own private wine locker. The Scottsdale Lifestyle is calling, pick up!

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