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.

Click Here to See What Your Home is Worth

Listing types.

For Sale

For Rent

Land

Multifamily

Commercial

Location Search Nearby

BedsAny1+2+3+4+5+6+

BathsAny1+2+3+4+5+6+

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Property TypeAnyApartmentManufactured HomeSingle Family ResidenceTownhouseTwin Home

School District

Address, MLS# or Keyword

Home SizeAny600 ft2800 ft21,000 ft21,200 ft21,400 ft21,600 ft21,800 ft22,000 ft22,200 ft22,400 ft22,600 ft22,800 ft23,000 ft23,500 ft24,000 ft24,500 ft25,000 ft25,500 ft26,000 ft2

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Distressed

Open House

Location Search Nearby

BedsAny1+2+3+4+5+6+

BathsAny1+2+3+4+5+6+

Price MinAny$500$600$700$800$900$1,000$1,100$1,200$1,300$1,500$1,600$1,700$1,800$1,900$2,000$2,250$2,500$2,750$3,000$3,250$3,500$3,750$4,000$4,500$5,000$5,500$6,000$6,500$7,000$7,500$8,000$8,500$9,000$9,500$10,000

Price MaxAny$500$600$700$800$900$1,000$1,100$1,200$1,300$1,500$1,600$1,700$1,800$1,900$2,000$2,250$2,500$2,750$3,000$3,250$3,500$3,750$4,000$4,500$5,000$5,500$6,000$6,500$7,000$7,500$8,000$8,500$9,000$9,500$10,000

Advanced Options

Property TypeAnyApartmentManufactured HomeSingle Family ResidenceTownhouseTwin Home

School District

Address, MLS# or Keyword

Home SizeAny600 ft2800 ft21,000 ft21,200 ft21,400 ft21,600 ft21,800 ft22,000 ft22,200 ft22,400 ft22,600 ft22,800 ft23,000 ft23,500 ft24,000 ft24,500 ft25,000 ft25,500 ft26,000 ft2

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Location Search Nearby

Lot SizeAny1+ Acres2+ Acres3+ Acres4+ Acres5+ Acres6+ Acres7+ Acres8+ Acres9+ Acres10+ Acres20+ Acres30+ Acres40+ Acres50+ Acres

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Neighborhood

Address, MLS# or Keyword

Location Search Nearby

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

School District

Address, MLS# or Keyword

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Location Search Nearby

Lot SizeAny1+ Acres2+ Acres3+ Acres4+ Acres5+ Acres6+ Acres7+ Acres8+ Acres9+ Acres10+ Acres20+ Acres30+ Acres40+ Acres50+ Acres

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Address, MLS# or Keyword

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

View As: Thumbnails List

Sort by: Select Price, Low to High Price, High to Low Newer Listings First Older Listings First Open House Date

19550 N Grayhawk Drive Unit 2018 Scottsdale, AZ 85255

Open House

New

$725,000

3 Beds

2 Baths

1,795 SqFt

Status Active

MLS # 6782449

Property Type Townhouse

Price Type --

Fantastic views of the McDowell Mountains and Talon golf from this single level Monarch plan in Cachet at Grayhawk. Lightly used as a second home this upgraded unit features split great room plan with 3 beds , 2 baths, and a direct entry 2 car garage. High flat ceilings, wood look tile throughout, raised-panel maple cabinets, granite counters, ss appliances, tile backsplash, & upgraded baths mean the heavy lifting has been done for you. Cachet is in the guard gated Talon Retreat& features its own heated pool/spa, workout facility, tennis courts, & tons of walking trails. Easy access to the 101, DC Ranch Market Street, Kierland/Scottsdale Quarter, & numerous championship golf courses. This unit is in a great interior location with views & is great for a primary or secondary residence.

View Property

7211 W Pershing Avenue Peoria, AZ 85381

Open House

$725,000

6 Beds

3 Baths

3,792 SqFt

Status Active

MLS # 6723856

Property Type Single Family Residence

Price Type --

** 2% CONCESSIONS OFFERED AT CLOSE!! ** Welcome to your new 6 bedroom/3 full bath & 3 car garage home located in Peoria. This beautiful home features 3 multi-levels with tile/wood flooring throughout. The lower level features a home office, cozy living room with a private mother in-law suite with a full detached bathroom. The upper level features a large primary bedroom with an ensuite bathroom with a soaking tub/separate shower. Upstairs also features four other bedrooms, one of which has its own balcony that overlooks the backyard and a full bathroom. The backyard features a renovated pool, large covered patio and large backyard great for entertaining. RV gate and two brand new AC units. Brand new solar panels + added insulation make this home a must see. This home won't last long!

View Property

2074 N 139th Drive Goodyear, AZ 85395

Open House

$725,000

3 Beds

2.5 Baths

2,342 SqFt

Status Active

MLS # 6752460

Property Type Single Family Residence

Price Type --

Welcome to your Backyard Entertainment Paradise. This exceptional property is like no other in this community. This home boasts a resort style heated pool for year round comfort, waterfalls, heated Spa with Baja Shelf/double spillway, Travertine deck, Custom Built In BBQ. Misting system at Patio with remote controlled Zipper Sun Shades to cool a full length patio. The gourmet kitchen features elegant white cabinetry with upgraded KitchenAid Stainless Steel appliances, gas cooktop, quartz countertops, and a spacious center island with bar seating. 3 glass sliders are adjacent to the Great Room. Large Glass Slider at Primary Bedroom is just steps from the pool or relax in the Luxurious Free Standing Tub in Primary Bath. Custom Plantation Shutters, Every detail in this home has been thoughtfully upgraded from tile flooring, plush carpet in the bedrooms, modern fans and lighting, as well as high-quality doors, baseboards, and hardware. The large laundry room provides ample storage with upper and lower cabinets, a utility sink, and plenty of counter space. In addition to the master suite, there are two more bedrooms and a flexible space that can be used as a home office or playroom. The 3-car tandem garage features built-in cabinets, a workbench, and a convenient service door leading to the side yard. This home offers the perfect combination of luxury, comfort, and style.

View Property

19009 W Lawrence Road Waddell, AZ 85355

$724,999

3 Beds

2.5 Baths

2,780 SqFt

Status Active

MLS # 6717681

Property Type Single Family Residence

Price Type --

our guests will be impressed as they enter your formal foyer and see the 11' ceilings in the Family Room of this very open floor plan. With 2773 sq ft, this home has the perfect amount of space in all the right places. The Owner's Suite has an impressive Walk-In Shower with custom tile. The Gourmet Kitchen is a Cook's Delight, with walk in pantry, gas cooktop, upgraded cabinets, countertops. Upgraded flooring throughout. Enjoy the versatility of having both a study and retreat. All 3 bedrooms include walk-in closets. Enjoy even more storage with this highly sought after 4 car garage! Too many additional upgrades to name make this home a ''Must See''! 2X6 CONSTRUCTION; EXTENSIVE NEW HOME WARRANTY

View Property

3199 S Beringer Lane Flagstaff, AZ 86005

$724,999

3 Beds

2.5 Baths

2,113 SqFt

Status Active

MLS # 6758392

Property Type Townhouse

Price Type --

Your perfect Flagstaff home is new, modern, and feels wonderfully chic. It is an end unit, lock & leave townhome with an open floorplan, gorgeous natural light, an upgraded kitchen with beautiful white backsplash, a private yard that opens to green space, and plenty of room for family, friends and pets. This is it - your perfect Flagstaff home. At 2113 sf, it's not too big and not too small. Just right! The spacious primary suite with an upgraded executive bath is luxurious and welcoming. The large room on the entry level is fabulous as an second living area or office. Meticulously cared for, in excellent condition and offered fully furnished/turnkey, just move right in! This home is perfect as your home, Flagstaff getaway, and successful STR. You can have it all!

View Property

19821 W Medlock Drive Litchfield Park, AZ 85340

$724,999

4 Beds

3.5 Baths

2,297 SqFt

Status Active

MLS # 6769178

Property Type Single Family Residence

Price Type --

New AC unit, new roof, private casita, & a completely remodeled home on 1 acre! Not to mention this home has already appraised for $750,000 and has No HOA! Come and check it out today.

View Property

11888 W Nadine Way Peoria, AZ 85383

$724,999

4 Beds

3 Baths

2,422 SqFt

Status Active

MLS # 6780268

Property Type Single Family Residence

Price Type --

Discover the perfect blend of luxury and functionality in this upgraded 4-bedroom, 3-bath home nestled in a sought-after gated community in beautiful Vistancia. With 2,422 sq. ft. of living space, this home features a pool, pristine hard-surface flooring, a 3-car air-conditioned garage with a car charger, RV gate, and insulated attic. A butler's pantry, water softener, reverse osmosis, putting green, and included major appliances add even more to love. Priced to sell, this home is a rare gem offering tremendous value and modern amenities. Come see it for yourself before it's gone!

View Property

11175 N Luckenbach Street Surprise, AZ 85388

$724,995

3 Beds

3 Baths

2,354 SqFt

Status Active

MLS # 6646968

Property Type Single Family Residence

Price Type --

This brand new Skybrook model is waiting for your family! Bring them out to Sterling Grove Golf and Country Club to discover the difference. This three bedroom three full bath home is ready for you to make it your own The enormous kitchen boasts name-brand appliances, upgraded countertops, and ample cabinet space. The casual dining area is the centerpiece of the first floor, with connectivity to the kitchen and beautiful views of the rear yard. A short walk, or golf cart ride away, you can enjoy all of the amenities Sterling Grove offers. With a resort style pool that rivals most hotels, two restaurants, workout facility, full service spa and more, Living in Sterling Grove is the lifestyle you've been looking for.

View Property

20277 W Mulberry Drive Buckeye, AZ 85396

$724,990

4 Beds

2.5 Baths

2,713 SqFt

Status Active

MLS # 6716597

Property Type Single Family Residence

Price Type --

READY FOR MOVE-IN AND SITTING ON A LOT OVER 12,000 SQ. FT. It's the Beautiful Granada with private courtyard has 4 bedrooms, 2.5 baths and 3 car garage. 12'x8' sliding glass door that leads out to the covered patio. Stainless steel gas appliance package with 36'' cooktop, wall oven, canopy hood. Sonoma Maple Linen-off white cabinets throughout the home with AZT Quartz Tawny countertops in the kitchen and on the enhanced kitchen island. Upgrade flooring includes Beaumont Olmo 7x24 plank tile in all areas of the home except for bedrooms and closets. Dual sinks in secondary bath, gas stub for future BBQ, dryer and soft water look. 8' tall garage door with openers, garage service door and so much more.

View Property

22508 E Orchard Lane Queen Creek, AZ 85142

$724,990

4 Beds

3.5 Baths

2,911 SqFt

Status Active

MLS # 6773423

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. The Majesty series is set in the desirable Harvest community within its own gated section. Conveniently located across from the pools, catch-and-release lake, and green park, it offers a serene escape while remaining near shopping and entertainment. The oversized kitchen, island, and pantry are perfect for hosting or simply enjoying extra space. A guest suite with a living area adds comfort and versatility. The inviting courtyard entry welcomes you home—don't miss this opportunity.

View Property

2095 S Hillcrest Drive Camp Verde, AZ 86322

$724,900

3 Beds

2 Baths

1,783 SqFt

Status Active

MLS # 6768145

Property Type Single Family Residence

Price Type --

This is a Must See Move-In-Ready 3 bdrm 2 bath home that's been completely renovated with quality workmanship and top of the line appliances and finishes. All new stainless steel kitchen with a farm sink and a 6 burner stove that's sure to please any cook. There's plenty of Quartz countertops including an island. The cabinets have many custom conveniences.The main bath has new tile and a non slip tub! Master ensuite has a walk in marble and glass shower, double vanity and more. Spacious bedrooms with over size closets. Master bedroom has his and hers (2) closets. There's a bonus breezeway room, an attached 2 car garage and a storage/well house. New Roof. New HVAC. Plenty of room for RV/Boat,Horses, Chickens or ??? This 1.21 acre lot is located in the desirable Quarterhorse Ln area.

View Property

3200 N 39th Street Unit 33 Phoenix, AZ 85018

$724,900

4 Beds

2.5 Baths

2,124 SqFt

Status Active

MLS # 6772932

Property Type Townhouse

Price Type --

Discover this stunning townhome located in the sought-after 85018 Arcadia zip code! This beautiful model home comes fully furnished, featuring stylish decor throughout. It has been lightly used, with the current resident primarily based in California. Upon entry, you'll find a convenient drop space for shoes, coats, and bags. The kitchen is a chef's dream, equipped with built-in Bosch appliances, quartz countertops, a chic backsplash, and built-in trash bins. The inviting living area offers abundant custom storage and opens to a beautifully paved patio through two sets of doors. Upstairs, you'll find a custom-built desk area and four spacious bedrooms, each uniquely designed by a professional. The master suite boasts elegant berber carpeting, custom finishes, a walk-in shower, a separate toilet, double sinks, and a generous walk-in closet. The community features a heated pool and spa, a small gated dog park, and is securely gated for your peace of mind.

View Property