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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49011 N 7th Avenue New River, AZ 85087

$720,000

6 Beds

3 Baths

2,758 SqFt

Status Active

MLS # 6735916

Property Type Single Family Residence

Price Type --

Looking for income potential? 2 distinct residences, both offering private patios and unlimited space. Or...keep your family/parents/kids close! If you've grown tired of looking at all the same territorial style homes, this is your beautiful chunk of turquoise in that boring desert of houses! Homesteaders, are you looking for that vintage, farm house style that is also multigenerational? Your search is over! Perfectly situated on a little over an acre of land, everything about this home was made with great thought to detail for optimal space usage while capturing phenomenal mountain views. Main home, 1727 sq ft, is three bedrooms, 1.75 bathrooms, wood flooring in living room, dining, office & hall, large laundry/mud room/pantry plus private entrance gym or bonus room. Permitted Second residence, 1032 sq ft, is three bedrooms, 3/4 bath with custom walk-in shower. Chevron Butcher Block counter, stained concrete floors finish the farm house theme. Both homes are equipped with an RO system. Parking will be a breeze with all the designated parking areas for your family/friend gatherings. All of the extras that make both of these homes both classic and cowboy chic! From the covered patios to the free standing deck and outdoor BBQ & bar area,every detail was designed to embrace your gatherings. Privacy fenced storage areas, 3 sheds, works shop and a huge 34X24 garage completes this rare find. Lush desert landscaping for easy maintenance, No HOA's so bring those toys and horses. Get out the city and embrace peace and endless star gazing again, Welcome Home!

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1431 S Wayne Drive Chandler, AZ 85286

$720,000

4 Beds

3 Baths

2,669 SqFt

Status Active

MLS # 6753818

Property Type Single Family Residence

Price Type --

The search is finally over! Take a look at this gorgeous 4 bed, 3 bath residence showcasing spacious 3-car garage in Arizona Estates! Inside, you will find a bright living/dining area featuring bountiful natural light, soothing palette, wood-look floors, & recessed lighting. The stunning kitchen boasts a plethora of white shaker cabinets, stylish light fixtures, granite counters/backsplash, black SS appliances, a walk-in pantry, & a peninsula with a breakfast bar. Fabulous loft is perfect for an entertainment area! Main bedroom enjoys a lavish ensuite with dual sinks, soaking tub, & a walk-in closet. Spend relaxing afternoons in the wonderful backyard with extended seating area, green grass, & endless blue skies. You must see it! Owned Solar! The search is finally over! Take a look at this gorgeous 4 bed, 3 bath residence showcasing spacious 3-car garage in Arizona Estates! Inside, you will find a bright living/dining area featuring bountiful natural light, soothing palette, wood-look floors, & recessed lighting. The stunning kitchen boasts a plethora of white shaker cabinets, stylish light fixtures, granite counters/backsplash, black SS appliances, a walk-in pantry, & a peninsula with a breakfast bar. Fabulous loft is perfect for an entertainment area! Main bedroom enjoys a lavish ensuite with dual sinks, soaking tub, & a walk-in closet. Spend relaxing afternoons in the wonderful backyard with extended seating area, green grass, & endless blue skies. You must see it! Owned Solar!1

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16112 E Carmel Drive Fountain Hills, AZ 85268

$720,000

3 Beds

2 Baths

1,817 SqFt

Status Active

MLS # 6768968

Property Type Single Family Residence

Price Type --

STUNNING VIEWS!!! This fully renovated home offers the perfect blend of luxury and comfort. Inside, you'll find an open-concept living space with brand new features like AC, cabinets, stainless steel appliances, and a cozy fireplace. Step outside to your private pool oasis, complete with a new patio deck. High-quality finishes throughout, including tile and marble floors, quartz countertops, and new doors and windows, create a sophisticated and inviting atmosphere. This energy-efficient home is not only beautiful but also practical. Enjoy the convenience of a new 2-car garage with epoxy floors and a freshly painted interior. With a stunning pergola adding a touch of elegance, this move-in-ready masterpiece is a must-see.

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20750 N 87th Street Unit 2011 Scottsdale, AZ 85255

$720,000

3 Beds

2 Baths

1,825 SqFt

Status Active

MLS # 6772543

Property Type Townhouse

Price Type --

Luxury living at Encore at Grayhawk. This property features a spacious open floor plan with a large kitchen with stainless steel appliances and a breakfast bar, all open to a great room with gas fireplace, large windows and an exit to a spacious north facing balcony with mountain views, and featuring a separate dining room ideal for entertaining. The split floor plan offers the primary suite privacy and boast mountain views, balcony access, a large walk-in closet and well appointed full bath. The fantastic location is just steps from golf, dining, shopping, hiking, and events. This gated community offers resort amenities such as pool, spa and fitness room so you can enjoy a relaxing lifestyle.

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4590 Fletcher Court Wickenburg, AZ 85390

$720,000

2 Beds

2.5 Baths

2,109 SqFt

Status Active Under Contract

MLS # 6738238

Property Type Single Family Residence

Price Type --

You have to see this Home! This highly desirable Brasada model located in the Premier Golf Community of Wickenburg Ranch is packed with impressive upgrades & designer features. This luxurious home is an entertainers dream. Positioned high on a cul-de-sac lot with breathtaking views. You will enjoy the Mountain View's from every room of this home! Easy care landscape leaves you time to do all the fun activities that WR has to offer. Beautiful gourmet kitchen with a serving pantry is just the beginning. It all starts with a grand entry leading you to the great room with a glass wall of doors that opens to the outdoor living space. The outdoor area features electric shades that will enclose this area completely. Remote controlled window treatments continue throughout home. The additional living space includes a Den, an office space off of the kitchen, huge laundry area with additional storage, a custom built primary closet & stunning spa-like bath. The garage offers built in storage & is climate controlled with a mini split A/C. You will also enjoy the whole house water filtration system, upgraded appliances, incredible granite countertops and designer lighting throughout out this gorgeous home.

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4858 E Shady Glen Avenue Scottsdale, AZ 85254

$720,000

3 Beds

2.5 Baths

1,832 SqFt

Status Active Under Contract

MLS # 6764373

Property Type Single Family Residence

Price Type --

This gorgeous Arabella home features 3 bedrooms, 2.5 bathrooms, and a 2-car garage. The stunning great room offers a seamless flow between living & dining areas. The gourmet kitchen boasts high-end stainless steel appliances, quartz countertops, RO system, a stylish tile backsplash, gorgeous wood cabinetry, and a breakfast bar. The main bedroom includes an ensuite bathroom with dual sinks, upgraded marble countertops, glass wall shower, a walk-in closet, and convenient access to the adjacent laundry room. Outdoor features of this home include a well shaded north facing covered patio accompanied by a low maintenance heat resistant turf backyard perfect for your pets.

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21408 S 224th Place Queen Creek, AZ 85142

$720,000

4 Beds

2.5 Baths

2,423 SqFt

Status Active

MLS # 6759995

Property Type Single Family Residence

Price Type --

Built in 2020 by Richmond American Homes, the Deacon floor plan offers 3 bedrooms, a versatile den or office space with doors for added privacy, and 2.5 bathrooms. The open-concept design is further elevated by beautiful upgrades and finishes throughout, creating a bright and welcoming space. This stunning home has been meticulously maintained and is truly move-in ready! Out back, you'll love the low-maintenance turf landscaping, perfect for easy upkeep. For those with extra toys, the attached spacious RV garage provides all the storage you need. This home is located in the highly sought-after Spur Cross community, where residents enjoy fantastic amenities such as a community pool, basketball court, beach volleyball court, and playgrounds. With ample storage and a prime location just minutes from Queen Creek's top amenities and attractions, this home is the ultimate basecamp for all your Arizona adventures. Don't miss out!

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1797 S Wallrade Lane Gilbert, AZ 85295

Open House

New

$720,000

4 Beds

3.5 Baths

2,518 SqFt

Status Active

MLS # 6783230

Property Type Single Family Residence

Price Type --

Welcome to this beautifully designed 4-bedroom, 3.5-bathroom home, offering 2,518 sq. ft. of modern living space in a highly desirable community. As you step inside, you'll find an open and spacious layout that perfectly blends the kitchen, family room, and formal dining areas, making it ideal for both family living and entertaining. The gourmet kitchen features a 5-burner gas cooktop, built-in microwave and oven, reverse osmosis water system, and stainless steel refrigerator—perfect for culinary enthusiasts. The main level also boasts a guest bedroom with an ensuite bathroom for added convenience, and a versatile formal dining or sitting room. Upstairs, you'll discover a cozy loft, an upstairs laundry room for added ease, and three additional bedrooms, including a luxurious primary suite with a walk-in closet, walk-in shower, and dual vanities. The secondary upstairs bathroom also features dual vanities and upgraded tile finishes. Additional highlights include a garage equipped with an electric vehicle charging station and built-in cabinets for extra storage. The low-maintenance backyard is beautifully landscaped with artificial turf and mature plants, providing a private outdoor space to relax. Located just steps from the community pool and close to the vibrant Verde Cooley Station and Epicenter, this home provides convenient access to popular dining options like Buck and Rider, Belly Kitchen & Bar, and Matt's Big Breakfast. With nearby shopping, entertainment, and easy access to Loop 202, you'll enjoy both a luxurious lifestyle and effortless convenience!

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4067 S White Drive Chandler, AZ 85249

Open House

$720,000

3 Beds

2 Baths

2,363 SqFt

Status Active

MLS # 6769766

Property Type Single Family Residence

Price Type --

Highly sought-after lake community of Old Stone Ranch! This stunning home features 3 bd, 2.5 bath, den, plus bonus room. The gourmet kitchen is a chef's dream, featuring granite countertops, a large island with ample storage, and a breakfast bar. The open layout flows seamlessly into the living area, providing the perfect space for gatherings and family time. The spacious primary suite is your personal retreat, featuring a separate tub and shower, double sinks, and a walk-in closet. Two additional bedrooms, along with a versatile den and bonus room, offer flexibility for a home office, gym, or guest space. Oversized backyard, complete with sparkling pool/spa, large covered patio, built in BBQ, and low-maintenance turf are ideal for outdoor entertaining. Three car garage provides ample storage and parking. Stunning community features include greenbelts, walking paths, picket fences, waterfalls, just to name a few. Prime location near excellent parks, shopping, dining, and schools are additional highlights to this wonderful home. Don't miss the chance to make this exceptional home in a desirable lake community your own.

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1533 W Flower Circle Phoenix, AZ 85015

$719,995

3 Beds

3.5 Baths

2,375 SqFt

Status Active

MLS # 6749592

Property Type Single Family Residence

Price Type --

Fall in love with the highly sought after ICONIC ''inner circle'' of the North Encanto Historical district. This beautiful 40's ranch style home has been remodeled from the inside out! This charming property gives you a 3 bed 3.5 bath, two living spaces and a garage. The spacious backyard is perfect for outdoor activities. The property also includes 2 carport spaces. Make this historical house your new home.

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7669 W Tether Trail Peoria, AZ 85383

$719,990

3 Beds

2.5 Baths

2,197 SqFt

Status Active

MLS # 6749324

Property Type Single Family Residence

Price Type --

Welcome to Ashton Woods newest community in Peoria -The Sanctuary at Aloravita. This 2,197 Ruby floorplan features a Spanish style elevation and includes 3 bedrooms, 2.5 baths, a den, plus an RV garage. The impressive kitchen island is perfect for family and friends to gather as it opens to the home's great room for easy entertaining. The kitchen includes stainless steel appliances with a gas cooktop, large undermount sink, under cabinet hood, beautiful painted shaker style cabinets with crown molding, quartz countertops, kitchen backsplash, and large pantry. The great room offers a 4 panel center sliding glass door so you can step out into your covered patio to enjoy indoor/outdoor living in your backyard with friends and family. Other features include, 8' interior doors, 6x36 wood plank style floor tile, upgraded carpet/pad, a soft-water loop, and much more! This home also includes an RV garage, perfect for an RV or a car enthusiast! Great location close to dining, freeways, parks, and entertainment!

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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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