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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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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2222 S Yellow Wood -- Mesa, AZ 85209

$719,000

3 Beds

2.5 Baths

2,090 SqFt

Status Active

MLS # 6779311

Property Type Single Family Residence

Price Type --

This beautiful fully remodeled home sits on the 4th fairway of the golf course in Sunland Springs Village! There was no expense spared in the upgrades. Very desirable 2100 floor plan! Spacious master bedroom with sliding glass doors overlooking the golf course. Large bay windows in the living room to enjoy the view. The home has 3 bedrooms, 2.5 bathrooms and a dedicated laundry room with plenty of room for storage. 2.5 car garage. Extended rear patio with new pavers and ceiling fans. The kitchen, bathrooms, and laundry room have quartz counter tops. The home has upgraded modern cabinets through out. New flooring, new interior/exterior paint. You must see this for yourself. This home is move in ready!

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3528 E Marlene Drive Gilbert, AZ 85296

$719,000

4 Beds

2.5 Baths

2,367 SqFt

Status Active

MLS # 6779015

Property Type Single Family Residence

Price Type --

Now available in the heart of Morrison Ranch! Surrounded by tree-lined streets, this beautifully upgraded 4-bedroom, 2.5-bathroom residence also boasts a spacious den, perfect for a home office - right near the front door. North/South facing. You'll love the open-concept layout featuring stylish finishes and abundant natural light. The gourmet kitchen is a chef's delight, equipped with stainless steel appliances, sleek countertops, and a generous island that flows seamlessly into the inviting living area. Retreat to the luxurious master suite, private en suite bathroom and a large walk in closet. Three additional well-appointed bedrooms provide plenty of room for family and guests.

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14201 N 55th Drive Glendale, AZ 85306

$719,000

5 Beds

2 Baths

2,162 SqFt

Status Active

MLS # 6690449

Property Type Single Family Residence

Price Type --

Fully Upgraded!! Single story home on HUGE LOT!! 5 Bedroom 2 Bath with 2 RV Gates. Home fully remodeled and in the heart of Glendale. NO HOA!!! This home features a split floor plan with new roof, new AC Unit, new cabinets, new paint, new tile flooring throughout the home, new granite countertops, new windows, tile backsplash, all new electrical & plumbing fixtures, new water heater, epoxy flooring in garage and patio., custom bathroom showers with exquisite designs. Backyard features nice Private Diving Pool with large covered patio and cool decking. and mature trees. Potential for AIRBNB and short term rentals. MUST SEE!!

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17025 E La Montana Drive Unit 130 Fountain Hills, AZ 85268

$719,000

2 Beds

2.5 Baths

2,373 SqFt

Status Active

MLS # 6701805

Property Type Townhouse

Price Type --

Highly desirable, gated community of Arroyo Verde at Bella Lago! Enjoy the Fountain Hills lifestyle steps from Fountain Park, hiking, restaurants, and be in the center of community events. Lives like a single level. Enter through a private courtyard into a spacious great room with a dining area that opens to a covered patio with a built-in grill. Open peninsula kitchen w/Bosch gas range, stainless appliances, Quartz counters with breakfast seating. Main level primary has double vanity with tile and glass W/I shower. Lower-level features a multi-use living space, another covered patio, and an elegant full bath. Tons of high-end upgrades and updates! The community offers a pool, spa, and clubhouse with a fitness area and gathering space!!

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1800 Heavenly Court Prescott, AZ 86305

$719,000

4 Beds

3 Baths

2,763 SqFt

Status Active

MLS # 6717935

Property Type Single Family Residence

Price Type --

Welcome to the picturesque Kingswood Estates. This home is located in the pines and just minutes from the wonderful Courthouse Square in downtown Prescott, AZ. Views of gorgeous trees out of every window and enjoy seeing Granite Mountain from your amazing deck or covered patio. The 4 bed, 3 bath, 2-story, 2763sf home offers living on main level with 3 bedrooms including 2 Primary Ensuites, both with large walk-in closets, and an additional bathroom for 3 bedrooms, 3 bathrooms total on the main floor. Bedroom 4 is on the lower level which also has an additional living space and tons of storage in the utility room. This is perfect for multi-generational living or with a few tweaks, possibly an income suite, there are endless possibilities. Plenty of parking, Private back patio to enjoy your morning coffee, evening glass of wine, or a fabulous weekend BBQ. This neighborhood is perfect for walking and enjoying the beautiful outdoors. Upgrades include ceramic plank tile flooring throughout main level, Exterior and Interior Painting, Refaced Kitchen Cabinets, Kitchen Backsplash and Kitchen Appliances. Welcome Home!

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14269 N 22nd Street Phoenix, AZ 85022

$719,000

4 Beds

3 Baths

2,222 SqFt

Status Active

MLS # 6728752

Property Type Single Family Residence

Price Type --

Exceptional Value in a Stunning Community! This home offers an ideal blend of charm and comfort, perfect for both first-time buyers and those looking to upgrade for a growing family. Enjoy breathtaking mountain views and a secluded backyard featuring a private pool and spa. The interior boasts striking tongue-and-groove wood vaulted ceilings, a master bedroom with a cozy sitting area, and three spacious closets. The remodeled master bath and full bath upstairs include a separate shower and tub for ultimate relaxation. Plus the roof is from 2019 with a 10 year transferable warranty. Entertain guests with ease thanks to the inviting fireplace and wet bar.

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2520 E Flower Street Phoenix, AZ 85016

$719,000

4 Beds

2 Baths

1,770 SqFt

Status Active

MLS # 6743230

Property Type Single Family Residence

Price Type --

Home has been COMPLETELY remodeled and a peaceful backyard for entertaining!! Floors, stainless steel appliances, plumbing, electric. Plus, New main line sewer 2019, New HVAC Duct system & insulation installed by Pearl Certified Contractor 2019, New flat roof (over Master Bdrm) 2021, New maintenance free Xeriscape landscape 2022. Enjoy this beautiful move-in-ready home, nestled in Arizona's oldest neighborhood association, Historic Phoenix Homestead with no fees, restrictions or obligations! Phoenix Homestead puts on several free park events a year including live music, comedy and the most well known evening event in December, The Luminaria, where streets close for an evening of walking with friends and family to enjoy the neighborhood lights, including ''Candy Cane Lane'' aka Pinchot St! This home is also walking distance to award winning restaurants and James Beard chefs at places like Glai Baan, The Larder and the Delta (formerly Brinkley's) and Mixela, as well as within a half mile of great neighborhood cocktail bars and live music venues! Plenty of amenities including shopping at The Biltmore & Scottsdale Fashion Malls. Downtown Scottsdale and Downtown Phoenix entertainment and sporting events! Quick access to all central highways! It's perfect! (See document tab for improvement details)

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4868 E Muriel Drive Scottsdale, AZ 85254

$719,000

3 Beds

2.5 Baths

1,832 SqFt

Status Active

MLS # 6771281

Property Type Single Family Residence

Price Type --

Discover Luxurious Farmhouse Living in this meticulously maintained 2022 built 3-bedroom, 2.5-bath home with a 2-car garage, featuring an epoxy floor and a 240V EV charger. Nestled in the sought-after Arabella community within the highly coveted ''magic'' 85254 zip code, this energy-efficient home offers modern living at its finest with both style and sustainability. Features include 10' Ceilings, SS Gas Appliances, leased solar panels, dual-pane ENERGY STAR® Low-E windows, and a tankless water heater. Close to the 51 and 101 freeways. Experience the Scottsdale lifestyle with nearby golf courses, hiking trails, shopping, sports venues, and top-tier restaurants. This home offers the perfect blend of convenience, energy efficiency, and luxury in one of the most desirable areas in the Valley!

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17747 W Colter Street Litchfield Park, AZ 85340

$718,242

4 Beds

3.5 Baths

3,704 SqFt

Status Active

MLS # 6736158

Property Type Single Family Residence

Price Type --

MLS#6736158 Ready Now! The Hampton is a 2-story floor plan with 3,704 sq. ft., featuring 4 bedrooms, 3.5 bathrooms, a 3-car split garage, game room, primary suite retreat, study, dining area, and a courtyard. Welcome to your dream home. From relaxing in your private courtyard to the grand staircase in the foyer, this floor plan is designed for luxury. The spacious owner's suite has its own foyer leading to a primary bath with split vanities and a large walk-in closet. The primary suite retreat enhances your private haven. All bedrooms are upstairs, ensuring privacy from the active first level. This floor plan could be perfect for your next move. Structural options included: gourmet kitchen, garage service door, gas line to backyard. Design upgrades include: white cabinets, back mist granite tile.

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10341 W Rowel Road Peoria, AZ 85383

New

$718,000

3 Beds

2.5 Baths

2,252 SqFt

Status Active

MLS # 6781325

Property Type Single Family Residence

Price Type --

WOW! AMAZING property located on a private cul-de-sac and close to TSMC! Beautifully kept home with so much to love. Expansive 12' sliding doors across great room, open floor plan, custom iron front door. Kitchen includes slab granite countertops, GE Profile appliances, island w/ breakfast bar, 4' extension bay window & custom lighting. Primary suite has large glass shower w/ rain showerhead, dual granite vanities, and large walk-in. Home has a 3-car garage w/ 4' extension, epoxy flooring, H20 softener & built-ins, a 10' RV gate, and a lush backyard with large pergola w/ lighting, fountain, built-in 10' 6 burner BBQ island, & gas firepit

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2249 W Daniel Road San Tan Valley, AZ 85144

$718,000

4 Beds

3 Baths

1,977 SqFt

Status Active

MLS # 6732343

Property Type Manufactured Home

Price Type --

Seller Installed new HVAC unit! This is a huge upgrade you will not have to worry about. This home and property are a great opportunity to own some great land in the San Tan Mountains. This property is 4.695 acres of GR zoning! It is situated in the quiet part of the San Tan Mountains.The property has a four bedroom three bath house. It has a split floor plan. Two of the bedrooms have a jack and jill bathroom. Both sides of the home have awnings. The front also provides a shaded carport. The Property has a detached workshop with a one car garage. Park and work on all your toys. There are two seperate storage sheds. This property also has horse corrals. You are able to make this property your own personal ranch. The property is situated close to shopping and dining areas of Queen Creek. Come see your next home and enjoy living with a lot of land and a lot of privacy. Professional photos coming soon.

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