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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1348 E Spur Avenue Gilbert, AZ 85296

$725,000

4 Beds

2 Baths

2,478 SqFt

Status Active Under Contract

MLS # 6764027

Property Type Single Family Residence

Price Type --

Entertainer's Dream Home! This beautiful single story 4-bedroom gem in the heart of Gilbert sits on a corner lot and offers a ridiculously large backyard with sparkling pool with a rock waterfall, a built-in BBQ, double RV gate, it's perfect for hosting friends and family. The primary suite features direct pool access and a spa-like bathroom, providing a luxurious retreat. With a formal living room and dining room, in addition to the eat in breakfast area and family room, this home is perfect for both entertaining and everyday living. The wide open kitchen is ready to host holiday meals for the entire crew with a gourmet kitchen and a MASSIVE pantry. This home has everything you need to create unforgettable memories. Lastly, the serene backyard offers a covered patio, built-in BBQ, RV gate, & an enticing pool w/rock waterfall. A deal like this will sell fast!

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7521 E Edgemont Avenue Scottsdale, AZ 85257

$725,000

3 Beds

2 Baths

1,952 SqFt

Status Active Under Contract

MLS # 6772890

Property Type Single Family Residence

Price Type --

Discover this tastefully renovated 3-bedroom, 2-bath home at 7521 E Edgemont Avenue in one of South Scottsdale's most desirable neighborhoods. With 1,952 square feet of light-filled, open living space, this move-in-ready home features freshly painted interiors and exteriors, complemented by new energy-efficient windows. The modern kitchen boasts new cabinetry, a walk in pantry, granite countertops, stainless steel appliances, and a gas stovetop with a hood vent. The open layout includes luxury vinyl plank flooring throughout. Large, windowed doors lead to a tranquil backyard with natural grass, a paved patio, and two storage sheds. Just steps from El Dorado Park and minutes from Old Town Scottsdale and Fashion Square Mall, this home is a perfect blend of modern upgrades and prime location

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4520 E Desert Trumpet Road Phoenix, AZ 85044

$725,000

4 Beds

3 Baths

2,286 SqFt

Status Active Under Contract

MLS # 6775728

Property Type Single Family Residence

Price Type --

Property boasts 4 cozy bedrooms, three well-appointed bathrooms (even one with POOL ACCESS), spacious primary with soaking tub & separate shower. Versatile kitchen that eagerly awaits your culinary exploits. Upgrades include HVAC 2023, complete roof underlayment replacement and added tiles within the last 5 years, new water heater 2020, under sink RO in kitchen, interior/exterior paint and some new carpet 2024, BACK YARD SPEAKERS for immersive entertainment. All appliances stay. The community features are the cherry on top.

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3248 N Boulder Canyon Mesa, AZ 85207

$725,000

4 Beds

2 Baths

2,226 SqFt

Status Active Under Contract

MLS # 6774361

Property Type Single Family Residence

Price Type --

Come take a look at this stunning home in North Mesa. Located in the sought after and well maintained gated subdivision of Las Sendas. This beauty has so much to offer. It has separate living & family rooms and a formal dining room. In your new kitchen are granite countertops, breakfast bar, tile backsplash, contemporary light fixtures, and tons of cabinet storage space. Covered patio & Fenced swimming pool in the backyard. In the primary bath is a garden tub, separate shower, private toilet room, and double sink vanity. Ceiling fans in all the right places. This gem won't last long so come see your new Home Sweet Home. Thanks for stopping in.

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14037 N 57th Street Scottsdale, AZ 85254

$725,000

4 Beds

2 Baths

1,420 SqFt

Status Active Under Contract

MLS # 6777739

Property Type Single Family Residence

Price Type --

Exquisite 4-Bed, 2-Bath Home in Desirable 85254, minutes from Kierland and Scottsdale Quarter! Nestled in one of Scottsdale's most sought-after zip codes, this beautifully remodeled home blends modern elegance with low-maintenance living. Inside, an open floorplan invites you to expansive living spaces and stylish, larger bathrooms. The kitchen features stainless steel appliances, pristine quartz countertops, 42'' white modern cabinets with gold accents, and a designer backsplash. Both bathrooms are fully updated with chic tile, vanities, and fixtures. With new windows and doors throughout, the home is as efficient as it is stunning. Step outside to a spacious, lush grass backyard complemented by a long covered patio, perfect for relaxing and entertaining. The newly added hot tub adds a luxurious touch to your outdoor retreat. With a soft, neutral color scheme and easy-to-maintain design, this Scottsdale gem is perfect for those seeking comfort, style, and convenience in the vibrant heart of 85254.

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21320 N 56th Street Unit 2197 Phoenix, AZ 85054

$725,000

2 Beds

2 Baths

1,697 SqFt

Status Active

MLS # 6746388

Property Type Townhouse

Price Type --

Experience resort-style living at its finest in the fully furnished, luxurious Bella Monte community! This sunny, south-facing second-floor gem offers 2 bedrooms plus a den and 2 full baths, and comes fully furnished. The warmth of this home embraces you as soon as you step onto the front balcony and enter the open, inviting space. The open-concept design features a spacious family room, a well-appointed kitchen with updated counters, backsplash, and flooring, and a large rear balcony—ideal for hosting gatherings, big or small. The two split bedrooms, each with its own walk-in closet, provide the perfect retreat after a day of enjoying all this community has to offer. The fully updated baths add a touch of luxury, making every day feel like a spa day. Additional perks of this lovely unit include a full-size (not tandem) 2-car garage, a first-floor storage closet, balconies on both the north and south sides, and a large storage closet in the laundry room. Plus, you're just a few blocks from Desert Ridge, City North, and easy access to highways 101 and 51. Go to our website for more information Seller is willing to sell unit -fully furnished.

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1407 E Artemis Trail San Tan Valley, AZ 85140

$725,000

2 Beds

2.5 Baths

2,173 SqFt

Status Active

MLS # 6663044

Property Type Single Family Residence

Price Type --

Stunning, extremely well kept 2-bedroom, 2.5-bath home in gated Encanterra, with a den and a 3-car garage. Granite countertops, updated kitchen appliances in 2023 includes new Sub Zero refrigerator. Updated master bath, beautiful wood flooring, outdoor fireplace and built in gas grill. Must be seen to appreciate its condition and cleanliness. Fully landscaped back yard with turf, watering system, & view to the common area. Built-in garage cabinets, tankless water heater and water softener. Transferable lifetime window warranty. Enjoy Encanterra's golf course & workout center. Multiple pools, spas, sport courts, pickle ball, parks, tot lots, amazing restaurant and club house.

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16747 W Wildflower Drive Surprise, AZ 85387

$725,000

4 Beds

2.5 Baths

2,446 SqFt

Status Active

MLS # 6727654

Property Type Single Family Residence

Price Type --

Bring your HORSES to this isolated retreat away from urban life where you will find peace and tranquilty. Built in 2018 this single level home has been gently lived in and is situated on a expansive 1 acre lot. A split floor plan featuring 4 bedrooms and 2.5 baths. The kitchen boasts crisp white cabinetry, quartz countertops with coordinating subway tile and stainless appliances. This opens to the dining space and great room making it ideal for entertaining or casual family living. The dining space and the great room have sliders which open to the backyard. The primary bedroom is spacious and features a spa-like bath complete with a large walk-in shower with custom tile, a garden style tub, dual vanities, and an amazing walk-in closet! Three other bedrooms are also generous in size and each have walk-in closets and share a full size bathroom. A powder room off the hallway is convenient for guests. The laundry room is perfect in size and has a utility sink. The home features wood plank tile throughout along with modern lighting and raised panel interior doors. You will enjoy your evenings under your covered patio with extensive pavers while the kids or dogs run and play on the artificial turf. Plenty of room here for horses or to create your dream backyard with room for a pool and an outdoor kitchen. The sellers will even gift you with solar paid by them IN FULL at closing! This will save on your utiliity bills for years to come! Come enjoy the good life where it is quiet, but not far from shopping, dining, and freeway access.

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200 E Vista Street Bisbee, AZ 85603

$725,000

8 Beds

4.5 Baths

4,763 SqFt

Status Active

MLS # 6711155

Property Type Single Family Residence

Price Type --

Welcome to one of Bisbee's MOST MAJESTIC Historic MANSIONS designed by Henry Trost and built in 1916 for, A. Grant McGregor which he occupied until 1929. The house was then occupied by M.O. Shattuck in 1938. Let this amazing home inspire you as it has done with all previous owners. New roof in 2019. Built for the Bisbee Elite in 1916, this fabulous almost 7000 sq. foot home includes an appx. 2000 sq. ft partially finished basement/apartment and the approximate 4800 sq. ft. of architectural awe in the main house. The back lot has garage spaces and courtyards. The grand entry foyer includes a stunning wood staircase that leads to many upper-floor bedrooms which each have access to stately balconies The lower level has a formal library-study with original built-in bookcases. Warm light comes in from the South Side Solarium. Formal Oversized dining & living room designed to hold some of the most prominent guests for entertaining. The current owners have brought life back to this spectacular home. The possibilities are limitless due to the design of the home and floorplan. SELFLESSLY keep it to yourself or invite others in as an Air B&B or wedding destination - the sky is the limit. This amazing home can be registered as HISTORICAL to drop taxes significantly! Every room in this mansion will tease and titillate every creative thought in an owner - plus bragging rights of the incredible history of the mansion is now yours! Every room in this mansion will tease and titillate every creative thought in an owner - plus bragging rights of the incredible history of the mansion is now yours!

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1704 S Rochester Drive Gilbert, AZ 85295

$725,000

4 Beds

3.5 Baths

3,308 SqFt

Status Active

MLS # 6712825

Property Type Single Family Residence

Price Type --

This home has everything today's buyer is looking for! Work from home? Multi-generation? Need multiple living areas? No problem-4 bedrooms & huge loft upstairs plus den(possible 5th bedroom) & formal dining room/office/bar downstairs+ open concept kitchen & family room. Island kitchen w/granite counters & full height backsplash, gas cooktop, wall oven & convection microwave, walk in pantry. Spacious family room w/gas fireplace & dramatic rock wall. Private backyard w/covered patio & just the right amount of space! Primary en suite bedroom w/dual vanities, soaking tub, step in shower, double closet. 3 additional bedrooms(one is a 2nd en suite w/attached full bath), loft,& full bath. Prime Lyon's Gate Gilbert location with 3 community pools, & many restaurants, shopping, Cosmo's Dog Park, The Epicenter.

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2626 N 19th Avenue Phoenix, AZ 85009

$725,000

3 Beds

3 Baths

2,226 SqFt

Status Active

MLS # 6725672

Property Type Single Family Residence

Price Type --

Nestled in the charming & highly sought-after Encanto Estates, this stunning 3-bedroom, 3-bathroom home offers an unparalleled living experience. The property sits on an expansive lot over 15,000 sq ft, providing ample space for outdoor activities & relaxation. The large pool is perfect for cooling off during hot Phoenix summers & offers a great spot for gatherings with family & friends. This home also boasts a 4-car tandem garage, providing space for cars & storage. Encanto Estates is known for its unique blend of mid-century modern architecture, & this home is no exception. Experience the charm & elegance of a home designed with both style & functionality in mind. With its prime location & beautiful design, it offers a unique opportunity to own a piece of Phoenix architectural history

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7180 E Kierland Boulevard Unit 404 Scottsdale, AZ 85254

$725,000

1 Bed

1 Bath

773 SqFt

Status Active

MLS # 6724430

Property Type Apartment

Price Type --

Experience luxury living in this exquisite 1- bed, 1-bath unit at Optima Kierland. This residence offers the perfect blend of elegance and comfort. The spacious open-concept living area is ideal for entertaining guests, while expansive windows frame breathtaking views of the surrounding landscape. Indulge in resort-style amenities and stay fit in the state-of-the-art fitness center. Relax and rejuvenate in the rooftop pool, spa, sauna, or steam room. Take a refreshing dip in the cold plunge or engage in friendly competition on the pickleball & basketball courts. The business center and conference room provide spaces for work or meetings. In addition to luxury amenities, you'll find yourself just steps away from the remarkable dining and shopping at Kierland Commons & Scottsdale Quarters.

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