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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4145 W Buckskin Trail Phoenix, AZ 85083

$719,900

4 Beds

3 Baths

2,708 SqFt

Status Active

MLS # 6777318

Property Type Single Family Residence

Price Type --

Welcome to your dream home in desirable Stetson Hills! Stunning 4-bdrm + den showplace Huge great room w/ soaring 10-foot ceilings & built-in surround sound. Formal Dining. Gourmet kitchen boasts double islands, a gas cooktop, & spacious pantry, making it a chef's paradise. The expansive owner's suite is a true retreat, complete w/ a remodeled bath, a large walk-in closet, & a private door to the back patio. Step outside to your resort-style backyard, where a sparkling Pebble Tec pool & spa await, featuring a large Baja step, elegant stone accents, & fire features amidst manicured landscaping, including low-maintenance faux turf. The extended patio w/ a built-in gas grill, refrigerator, & integrated speakers. 2nd Master w/ private bath. Two newer Lennox A/C's. Pride of ownership!

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2501 E Campbell Avenue Phoenix, AZ 85016

$719,900

4 Beds

2 Baths

2,031 SqFt

Status Active

MLS # 6768095

Property Type Single Family Residence

Price Type --

LOCATION!LOCATION!LOCATION!LOCATION, Don't miss this opportunity to own this delightfully renovated split floor 4b 2b with an addition that can be made into 5th bedroom. Nestled in the coveted BILTMORE area with Bonus Camelback mountain views, minutes walk to a plethora of amenities. Enjoy world-class shopping and dining at the nearby Biltmore Fashion Park, or take advantage of the renowned golf courses and recreational facilities in the area. With its central location, you'll also find convenient access to major transportation routes, making it effortless to explore the vibrant city of Phoenix, Arcadia, Scottsdale and beyond. Peace of mind with New plumbing main line, sewer line, New electrical, New AC ducting, New electric RV gate, new Pergo flooring...... huge irrigated corner lot, can easily add a casita. very unique Gem, BE the first to claim this art piece, must see for yourself, won't last, send offers NOW!

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3933 E Flower Street Phoenix, AZ 85018

$719,900

3 Beds

2 Baths

2,041 SqFt

Status Active

MLS # 6771828

Property Type Single Family Residence

Price Type --

Remodeled end-of-cul-de-sac, 3/2 with a HUGE 600 sq ft Den and a pool! Small 4-house half-cul-de-sac in Arcadia Lite is the perfect quiet, private location for your next home. No HOA! Entire street shows pride of ownership. Abandoned alley behind the house with no direct rear neighbors. Remodel includes newly resurfaced pebble-tec pool and all new pool equipment (pump and filter), new rear landscaping and front lawn just over-seeded, beautiful interior and exterior paint, new flooring, doors, hardware, electrical outlets, ceiling fans, lights and updated bathrooms. Main house bedrooms have large 2-door closets. 1.5 car garage has new garage door and epoxy floor coating. Bedroom/ bathroom with separate entrance can be used for home office, small business or rental for additional income!

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21523 N 72nd Avenue Glendale, AZ 85308

Open House

$719,900

5 Beds

3 Baths

3,128 SqFt

Status Active

MLS # 6753093

Property Type Single Family Residence

Price Type --

Move-in ready 5 bedroom, 3 bathroom home in the highly sought-after Sierra Verde Community of Glendale offers both comfort and style. Step inside to find a formal dining and living area, complete with a cozy 2-way fireplace and elegant plantation shutters, all beneath stunning vaulted ceilings that create an open and airy feel. The kitchen is a chef's delight, featuring a stainless steel appliance package, granite countertops, abundant cabinet space, and a pantry for all your storage needs. The master bedroom serves as a private retreat with its luxurious amenities, including double sinks, walk-in tile shower, and a spacious walk-in closet. Sitting on a large lot with mature trees, the backyard is perfect for outdoor living, featuring a sparkling pool and a covered patio.. ...for relaxing or entertaining. Additional highlights include new carpet, a 3-car garage, RV gate, and plenty of space for storage or recreational toys. The home also boasts several recent upgrades, ensuring peace of mind for years to come: a brand new AC unit installed in 2021, a beautifully remodeled upstairs bathroom completed in 2024, a new pool filter added in 2024, and a full roof replacement in 2018. Get a private tour today!

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5667 W St Moritz Lane Glendale, AZ 85306

New

$719,890

3 Beds

2.5 Baths

2,552 SqFt

Status Active

MLS # 6782552

Property Type Single Family Residence

Price Type --

Ready Now!! Near all the amenities and park area. 3 Bedrooms, wfh, Quartz counter tops, 42'' Benton Birch stained Cabinets (frost) with black hardware, gourmet collection gas appliances, tile backsplash, wood look flooring and upgraded carpets!! Great sized backyard with covered patio to enjoy. Just steps away from all the amazing amenities Legends has to offer.

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20039 N 273rd Lane Buckeye, AZ 85396

$719,500

3 Beds

2.5 Baths

2,800 SqFt

Status Active

MLS # 6738057

Property Type Single Family Residence

Price Type --

Welcome to this charming home in Sun City Festival boasting the Voyage Layout offering 3 bedrooms, 2.5 bathrooms, a golf cart garage, and a stunning backyard. Solar is fully owned! You will love the cozy gated courtyard! The inside of this home is spotless with a bright and neutral aesthetic. The gourmet kitchen has granite countertops, stainless steel built-in appliances, pendant lighting over the kitchen island breakfast bar, and a walk-in pantry. Upgraded blinds throughout! The primary suite is gorgeous with a door to the backyard, and a lavish ensuite bathroom with granite counters, dual sink vanity, and a tiled walk-in shower. The remaining bedrooms are move-in ready! Step outside into the expansive covered patio with beautiful travertine flooring and a pool deck. Cool off in the saltwater pool or relax in the spa and the pool is heated to enjoy year round! This home is turn-key! Sun City Festival is an amenity-rich active adult community where the desert meets beauty! Take your pick of activities offered; complete gym, state-of-the-art pickleball court, a variety of group classes, 27-hole beautiful golf course, 2 resort-style pools, onsite rec center, walking trails, and an INDOOR walking track with mountain views, Sun City Festival will not disappoint! Whether you are looking for a second home or a full-time residence in Arizona, this community has it all!

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4032 E Earll Drive Phoenix, AZ 85018

$719,500

3 Beds

3 Baths

2,015 SqFt

Status Active

MLS # 6736069

Property Type Single Family Residence

Price Type --

Seize the opportunity to transform this ARCADIA-OSBORN, north facing, gem into your dream project. Move in and renovate, or an opportunity to build new in one of the most desired zip codes convenient to local dining, great shopping, entertainment, airport and Scottsdale schools. Arcadia is known for scenic views and proximity to the best Phoenix has to offer. Booming area with many remodels and flips.

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10777 W Whitehorn Way Peoria, AZ 85383

$719,499

4 Beds

3.5 Baths

3,112 SqFt

Status Active

MLS # 6776059

Property Type Single Family Residence

Price Type --

REDUCED - PRICED TO SELL! BRING ALL REASONABLE OFFERS! Original owners well maintained this beautiful move in ready 4-bedroom 3.5 bath home with large kitchen and family room with a large loft upstairs. The community is nestled between the Agua Fria River to the west and Sonoran Desert to the north. 15 minutes to Lake Pleasant Park for outdoor recreational activities such as boating and water skiing. Minutes to entertainment, dining and shopping, hiking and biking trails. The home features a 4-car tandem garage with additional lighting and designated 220 outlet, with water softener. The exterior has stone finish and a covered patio with gas stub. The master bedroom is on the first floor, gourmet gas kitchen, with upgraded cabinets and granite countertop and tile flooring. A large family room for entertainment is wired with surround sound. Desert front & back landscape with artificial turf in back with water auto timers on both. Don't miss the beautiful home, make an offer before it is gone.

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148 Circulo Vespucci -- Tubac, AZ 85646

$719,000

2 Beds

2.5 Baths

2,529 SqFt

Status Active

MLS # 6705269

Property Type Single Family Residence

Price Type --

Spectacular home in the exclusive Tubac neighborhood of Santiago del Barrio. Enter through the inviting front courtyard. Once inside, you'll find an open floor plan with a huge great room that features a kiva fireplace, a formal dining area and an ample kitchen with gorgeous cabinetry, granite countertops & breakfast nook area. Indoor design captures the essence of the southwest architecture with carved wood pillars, exposed beams & custom tile work. This lovely home offers 2 bedrooms plus a den that could be a 3rd bedroom, a huge laundry room, an oversized 3 car garage (double & single) with utility sink & side door. There is plenty of parking in front and side of the house. Walk or bike to the village of Tubac,its restaurants,shops and galleries!

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514 S Marina Drive Gilbert, AZ 85233

$719,000

3 Beds

3.5 Baths

2,425 SqFt

Status Active

MLS # 6755706

Property Type Single Family Residence

Price Type --

Spectacular gated Waterfront home in The Falls. Stylishly updated beautiful wood flooring, custom paint,. The Primary bedroom downstairs w/ ensuite has Glass sliding doors opening to tranquil water oasis. The Kitchen features new granite counters w/ travertine backsplash. 50'' wide counter for plenty of workspace & extends to breakfast bar, stainless Sub Zero fridge, 5 burner Stainless gas stove, Bosch dishwasher. Eat-in kitchen w/view of lovely courtyard.Primary.Upstairs you will find a Large open loft Plus a 2nd primary w/ ensuite bath & balcony looking over emerald water. A 3rd bedroom & bath complete the upstairs.Shady patio & grass area at waters edge.Perfect for relaxing & watching ducks, geese & turtle in water. Or enjoy the Private Community Pool / Spa Located on The Main Lak

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18938 W Luke Avenue Litchfield Park, AZ 85340

$719,000

3 Beds

2.5 Baths

2,675 SqFt

Status Active

MLS # 6753710

Property Type Single Family Residence

Price Type --

Experience luxury living in this exquisite single-level David Weekly home, ideally situated in a serene neighborhood with the White Tank Mountains as a breathtaking backdrop. Your private oasis awaits with a beautifully landscaped backyard featuring a sparkling pool and generous space for outdoor gatherings. The neighborhood, exclusively comprised of single-level homes, offers the utmost in privacy. The gourmet kitchen is a culinary delight, featuring sleek quartz countertops with glass tile backsplash, stainlesss appliances, abundant storage, and a convenient breakfast bar with pendant lighting for casual meals. The spacious owner's suite includes a large walk-in shower and walk-in closet, offering comfort and style. Extended covered patio, 3 car garage & this home is in impeccable shape

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12957 W Hummingbird Terrace Peoria, AZ 85383

$719,000

2 Beds

2.5 Baths

2,260 SqFt

Status Active

MLS # 6768944

Property Type Single Family Residence

Price Type --

Welcome to this beautifully upgraded 2-bed, 2.5-bath home plus den located in the highly sought after Trilogy at Vistancia. 2,260 SF gem offers pre-paid solar lease, wood plank tile flooring throughout and quiet & private corner lot. The kitchen is a chef's dream featuring granite counters, tiled backsplash, large island and stainless steel appliances including gas range and new smart refrigerator. This spectacular home also boasts a built in wet bar, master bath w/quartz counters and lg custom tiled walk in shower, spacious laundry room w/ ample cabinets and W/D to garage with A/C mini split & epoxy flooring. Backyard is fully landscaped, w/ext travertine patio providing a serene escape perfect for entertaining. This home feels warm and inviting and perfect full or part time home! Located in Trilogy at Vistancia, residents enjoy access to incredible community amenities such as a championship golf course, clubhouse, fitness center, resort-style pools, walking trails, and more. Conveniently situated near shopping, dining, and entertainment options, this home is a true must-see.

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