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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4816 E Amelia Avenue Phoenix, AZ 85018

$718,000

3 Beds

1 Bath

1,647 SqFt

Status Active

MLS # 6762940

Property Type Single Family Residence

Price Type --

Discover an incredible opportunity to craft your dream home on this prime lot in the heart of Arcadia ~ Perfectly situated close to restaurants, shops, the canal path, and more ~ this location offers unparalleled convenience and charm ~ Buyers have the option to either renovate the existing home or use the land as a blank canvas to create something entirely new! This property has the potential for an auxiliary dwelling unit (ADU).

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10935 E Tahoe Avenue Mesa, AZ 85212

Open House

$717,735

5 Beds

4 Baths

3,314 SqFt

Status Active

MLS # 6622556

Property Type Single Family Residence

Price Type --

MLS#6622556 Ready Now! The Revere at La Mira Expedition Collection greets you with the beautiful courtyard and an inspiring spiral staircase and large foyer. The spacious formal dining connects to the butler's pantry and into the large kitchen. The gourmet kitchen with island and adjoining breakfast room overlooks the gathering room. There is also a guest bedroom with full bath down! Upstairs, you will find a game room, three secondary bedrooms, two full baths, a laundry room and the private owner's suite. Owner's bath features dual vanities, a spacious walk-in closet, and a separate tub/shower. Structural options include: added bed 5 in place of study, multi-slide door, 220 Volt outlet on dedicated circuit in the garage, shower in lieu of tub at secondary bath, softer water loop and paver driveway and walkway.

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3416 W Cocklebur Drive San Tan Valley, AZ 85144

Open House

$717,697

3 Beds

2.5 Baths

2,575 SqFt

Status Active

MLS # 6768925

Property Type Single Family Residence

Price Type --

Modern deluxe comfort. The Lillington's inviting covered entry and spacious foyer hallway flow into the expansive great room and casual dining area, revealing the desirable large covered patio beyond. The well-designed gourmet kitchen is enhanced by a large center island with breakfast bar, plenty of counter and cabinet space, and gigantic walk-in pantry. The stunning primary bedroom suite is highlighted by dual walk-in closets and deluxe primary bath with dual-sink vanity, large soaking tub, luxe shower, and private water closet. Sizable secondary bedrooms feature walk-in closets and shared bath with separate dual-sink vanity area. Additional highlights include a versatile office off the foyer, convenient powder room and drop zone, centrally located laundry, and additional storage.

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9389 E Corrine Drive Scottsdale, AZ 85260

Open House

$717,500

3 Beds

2 Baths

1,780 SqFt

Status Active

MLS # 6746133

Property Type Single Family Residence

Price Type --

Experience unparalleled luxury in this meticulously remodeled 3-bedroom, 2-bathroom home nestled in Scottsdale's most sought-after neighborhood on a massive cul-de-sac lot. Every inch of this residence exudes elegance and modern sophistication. The kitchen is a true showpiece, featuring pristine white shaker cabinetry and sleek quartz countertops that create a perfect setting for culinary creativity and entertaining guests. The spa-like bathrooms are designed with indulgence in mind, offering expansive walk-in showers and exquisite attention to every detail. The allure of this home extends outdoors, where you'll find a spacious front courtyard adorned with lush greenery and mature landscaping—ideal for peaceful mornings or evening relaxation. Step into your private backyard oasis, complete with a serene spa where you can unwind and rejuvenate in utter tranquility. This home seamlessly blends style, comfort, and functionality, making it an ideal choice whether you're searching for your forever home or a wise investment. I'm excited to introduce you to this Scottsdale gem that truly has it all. Don't miss your chance to make it yours!

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2485 Dillon Boulevard Chino Valley, AZ 86323

$715,378

3 Beds

2.5 Baths

2,144 SqFt

Status Active

MLS # 6776725

Property Type Single Family Residence

Price Type --

Nestled in a serene neighborhood, the stunning Orchard plan has it all. This single-story, three-bedroom, two-and-a-half bathroom home is the ideal size for any family that loves to travel the diverse geography of Arizona. This home boasts with plenty of sunshine and open space, offering both relaxation and perfect for entertaining. The grand RV garage that this property offers is perfect for storing your RV while you wait for your next outdoor adventure! Heritage Pointe offers 7 distinct floorplans, modern amenities, open-concept layouts with designer finishes. You won't want to miss out; plan a visit with us today.

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11815 S 207th Avenue Buckeye, AZ 85326

$715,000

4 Beds

2.5 Baths

2,440 SqFt

Status Active

MLS # 6770649

Property Type Single Family Residence

Price Type --

Ranch-style property nestled in the heart of Buckeye, AZ, offers a spacious one-acre lot perfect for hosting gatherings with family and friends.

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740 W Patrick Place San Tan Valley, AZ 85143

$715,000

4 Beds

2 Baths

2,331 SqFt

Status Active

MLS # 6769517

Property Type Single Family Residence

Price Type --

Incredible New Construction home on a massive 1 acre lot with a brand new Asphalt road. This new build with NO HOA includes a MASSIVE open Kitchen & living room with high-end Cabinets, White Quartz Countertops, 36'' Cooktop, Built-in Stainless Steel Microwave and double ovens, & upgraded flooring & bathroom tile. The upgrades continue with a stunning Master Bathroom with a built in Soaking Tub, Modern Shower, Beautiful Double Vanities, an oversized four car garage, & last but not least a massive back patio to watch the sunset on the San Tan Mountains. Buyer can select finishes, add landscaping, & add fencing. Estimated Completion date is April of 2025.

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530 Woolsey Drive Prescott, AZ 86303

$715,000

3 Beds

2 Baths

2,077 SqFt

Status Active

MLS # 6739359

Property Type Single Family Residence

Price Type --

Beautifully updated home surrounded by soaring pine trees that is walking distance to the Courthouse Square. Custom touches throughout infuse the home with warmth. Gourmet kitchen features granite counters, an oversized island, and new stainless-steel appliances. Great room has fireplace with antique barnwood mantle. Large living room has inset bookshelves, entertainment center, and new sliding glass doors out onto the patio. Master bedroom has walk in closet and updated bathroom with large walk-in shower. Two additional bedrooms, one on the main floor with walk-in closet and one downstairs that offers privacy and easy access to the garage. Single car garage has large storage closet and walk-through to the workshop. Rear deck offers gorgeous views of surrounding mountains.

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1324 W Dove Tree Avenue Queen Creek, AZ 85140

$715,000

4 Beds

2.5 Baths

2,880 SqFt

Status Active

MLS # 6759624

Property Type Single Family Residence

Price Type --

Welcome home! This 4 bed 2.5 bath has an open floor plan featuring two living spaces giving you amazing functionality with tall ceilings creating a grand but cozy atmosphere. Gourmet kitchen with pro series stainless GE Monogram appliances, granite counter tops offer plenty of space to entertain. This home is meticulously maintained and still shows like a new build. Perfect size primary bedroom and bathroom with a walk-in shower and massive closet. Huge investment in upgrades including extended patios, 22,000 watt Generac generator, all garage spaces are air conditioned with mini split units and a tankless water heater. Highly sought-after Ironwood Crossing amenities that bring fun to all. Parks, community pool and the Queen Creek Aquatic center nearby.

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10356 E Tiburon Avenue Mesa, AZ 85212

$715,000

2 Beds

2.5 Baths

2,314 SqFt

Status Active

MLS # 6758389

Property Type Single Family Residence

Price Type --

Nicely appointed Cinema plan in Encore at Estmark. This great room plan has 2 bdrms/2.5 bths/2 dens and sits on a oversized corner lot. It boasts raised panel antiqued kitchen cabinets, granite counters, dbl ovens, gas cook top, lg island with seating & W-I pantry. The lg laundry rm offers upper cabinets, a utility sink & a 2nd lg pantry. Lg primary bdrm is split & had LV flooring, raised vanity with dbl sinks, W-I closet, W-I shower & soaking tub. Lg 2nd bdrm w/W-I closet & 2 dens for additional living space. Exit the great room to the lg covered patio with paver overlay leading to the heated/chilled pool with water feature. Lots of room to entertain with Ramada & BBQ island. Community offers pickle ball, tennis, bocci ball, a club house with workout facility & much much more!

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1414 E Locust Drive Chandler, AZ 85286

$715,000

4 Beds

2.5 Baths

2,700 SqFt

Status Active

MLS # 6761232

Property Type Single Family Residence

Price Type --

Beautifully remodeled Chandler home with no detail overlooked! The kitchen and bathrooms have been beautifully updated, along with all-new lighting throughout. The pool has been renovated with new tile, stonework, and lighting, creating a backyard oasis perfect for relaxation. Features include new 2020 A/C units, a Nest temperature control system, and a new hot water heater). Elegant plantation shutters complete the look. This home is truly move-in ready with modern upgrades in every corner!

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41806 N Shadow Creek Way Anthem, AZ 85086

$715,000

3 Beds

3 Baths

2,432 SqFt

Status Active

MLS # 6759521

Property Type Single Family Residence

Price Type --

Mountain and City Lights VIEWS along with Dramatic Sunset VIEWS! This house has SOLAR panels which helps eliminate electric bills!!! CASITA with full bath and it's own HVAC unit. 2.5 car garage so you can have a spot for 2 cars and your golf cart! Courtyard with gate. Wood blinds. Custom closets. Upgraded appliance package. Gas indoor fireplace and exterior gas firepit. Washer and dryer convey. Maple cabinets. Upgraded lighting. built in BBQ in backyard. Security system. Thermal break/low E windows, water softener, and reverse osmosis. Motorized sun shades. Hot tub conveys. Beautifully upgraded backyard and courtyard. HVAC is newly updated. Rain gutters. Will feel like you're going home when you walk inside. Another turnkey opportunity in Anthem Country Club for the most discerning Buyer! This home will blow your socks off! Country Club Lifestyle with Resort Style Amenities...Anthem Country Club is managed by Club Corp which offers many great benefits to members that reciprocate around the world! Two 18 hole golf courses, Persimmons and Ironwood, designed by Greg Nash. 2 Pro shops, 2 sets of men's and women's lounges / locker rooms, 2 member restaurants, 2 gyms, 2 pools, 2 spas, several tennis courts, Gorgeous Ball Room for ongoing Member events and private events venues available as well, 2 Impressive guard gated entrances, all surrounded by breathtaking mountain and golf course views...you will love being a member of the Anthem Golf & Country Club!

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