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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10566 E Twister Avenue Mesa, AZ 85212

$715,000

4 Beds

2.5 Baths

2,520 SqFt

Status Active

MLS # 6767290

Property Type Single Family Residence

Price Type --

Spacious Athens floor boasts 4bd/2.5baths great room plan providing ample living space. The primary bdrm en-suite offers W-I shower with bench, raised vanity with dble sinks & lg W-I closet. The split floor plan allows for privacy & separation of living spaces. The kitchen boasts extended maple cabinets, a lg island, spacious W-I pantry, herringbone subway tile backsplash, SS appliances & a gas stub at the stove. Tile flooring most rooms, creating a clean & modern aesthetic. The multi-slider opens to extended covered patio & a paved patio with a gas fire pit, providing opportunities for outdoor living and entertaining. The mature landscaping, including turf, built-in BBQ island has been professionally installed, creating a well-maintained & appealing outdoor space. ....... The oversized lot offers the potential for a pool. Additionally, the home backs to a common area, offering additional privacy. Community offers pickle ball, tennis, bocci ball, a club house with workout facility & much much more!

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5441 S Luiseno Boulevard Gilbert, AZ 85298

$715,000

5 Beds

3.5 Baths

3,186 SqFt

Status Active

MLS # 6769014

Property Type Single Family Residence

Price Type --

Gorgeous two-story home in the desirable Community of Bridges at Gilbert awaits new owners! This beauty flaunts a well-maintained front yard, a 3-car garage, and a private courtyard. The immaculate interior impresses you with a spacious open layout enhanced with soaring ceilings, wood-look tile flooring, pre-wired surround sound, and multi-sliders to the back patio. Stunning chef's kitchen is designed with sleek granite counters, staggered wood cabinetry with crown molding, recessed lighting, and sparkling SS appliances, including a gas cooktop, and wall ovens. A sizable island with a breakfast bar provides the ideal setting for casual dining. The versatile den is perfect for a home office or a hobby space! Discover a well-sized loft upstairs, fantastic for additional living space. Retreat to the romantic main suite, showcasing a soft carpet, a full ensuite, and a walk-in closet. The home's elegance extends outdoors to the tranquil backyard that comes with a covered patio, an exterior fireplace, and a grassy lawn. This gem will not disappoint!

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10249 E Trillium - Avenue Mesa, AZ 85212

$715,000

3 Beds

2.5 Baths

2,233 SqFt

Status Active

MLS # 6771040

Property Type Single Family Residence

Price Type --

This gorgeous 3 bed, 2.5 bath home is perfectly situated on a corner lot in the coveted gated community, The Estates at Eastmark, with only ONE NEIGHBOR! That's right, no neighbors behind, no neighbors to the east and no neighbors in front. This location is ideal for those wanting privacy, comfort and convenience. What makes this lot even better? Directly across the street is an expansive green belt / park that connects to amenities galore that can be found at ''The Club''. The Club is a multi-million dollar clubhouse that features a workout facility, heated saltwater pool/spa, BBQ grilling / outdoor kitchen, entertaining areas and a playground with endless areas to run and play. If the location and community alone weren't enough to win you over you've got to step inside this incredibly designed and well thought out floor plan to fully grasp the opportunity that lies before you. Swoon over this turnkey home that is 5 years new, oozing with style and function! High ceilings, split floor plan, open concept with a massive chef's kitchen connecting to the family room and dining, 3 car garage, tons of storage, low maintenance landscaping, private pool sized lot, plentiful amenities and priced to sell.

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7221 W Angela Drive Glendale, AZ 85308

$715,000

3 Beds

2 Baths

2,032 SqFt

Status Active

MLS # 6778481

Property Type Single Family Residence

Price Type --

Located in Secluded Estates on a fantastic .43 acre lot. NO HOA!!. Bring your RV, boat, work trailer, and toys. You'll be welcomed with desert landscaping and excellent curb appeal. This home has some serious charm. A cozy fireplace with decorative brick surround is a focal point in the family room. This home features formal dining, office/den, granite bathroom/laundry countertops, and a massive bonus room with it's own A/C and heat. In the kitchen, you'll notice granite countertops, stainless steel appliances, and wait until you see this spectacular backyard! Featuring a pebble tech pool, Big Gazebo, huge storage shed, double RV gates, grassy play area, several producing citrus trees and huge covered patio. Deer Valley Schools just received A rating. This home will not last long. You an enjoy the backyard under the immaculate gazebo with a freestanding fireplace. Very close to restaurants, shopping and theaters at Arrowhead Mall. Easy access to 101 freeway

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9293 W Chalco Mountain Court Casa Grande, AZ 85194

$715,000

3 Beds

3.5 Baths

2,841 SqFt

Status Active

MLS # 6777752

Property Type Single Family Residence

Price Type --

This multi-gen home sits on a 1-acre corner cul-de-sac lot in Arroyo Verde Estates and offers a total of 3 bedrooms & 3.5 baths in 2841 SqFt. The casita features a living area, kitchen with white shaker-style cabinets, granite counters, electric cooktop, and stainless built-in microwave, private bedroom with walk-in closet, a separate linen/storage closet, and bath with tiled shower. The open layout of the main part of the home offers a spacious great room and formal dining area with built-in cabinets. The kitchen features an abundance of white shaker-style cabinetry, granite countertops, mosaic tile backsplash, stainless appliances, oversized island with breakfast bar and pendant lighting, casual dining area, butler's pantry, walk-in pantry, and casual dining area. Just off the kitchen is a large laundry room with matching cabinets and counters and sink. Multi-panel center-sliding doors lead out from the great room to the full-length screened in porch. The backyard is fully landscaped with block fencing and includes a person gate on one side and a side yard RV gate and storage shed on the other and picturesque mountain views. The above-ground spa conveys as is! The generously sized primary bedroom has a private exit to the patio and an en-suite bath with extended dual sink vanity, walk-in tiled shower, and walk-in closet. The secondary bedroom also has a separate exit to the patio and an en-suite bath, perfect for guests. Other features include an iron entry door, plank tile flooring throughout, powder room, blinds throughout, oversized 25-ft deep garage parking for four cars with 18-ft wide doors with one garage having an 8x9' rear door with opener as well as a person door to the back yard, stone exterior elevation, spray foam insulation, and much more!

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5151 N 13th Place Unit 12 Phoenix, AZ 85014

$715,000

3 Beds

2.5 Baths

2,202 SqFt

Status Active

MLS # 6780406

Property Type Townhouse

Price Type --

Sometimes an urban townhouse comes to market that checks so many boxes it's difficult to believe that a home with this level of sophistication exists. Nirvana at Colter presents this opportunity. Centrally located just minutes from Camelback and 16th St., these townhomes represent the ultimate in luxury lock and leave living. Number 12 has tasteful, neutral finishes that should appeal to the most discerning buyer. The waterfall island with kitchen sink serves as the centerpiece of the main floor living area. Gorgeous light wood floors and stainless-steel appliances seal the upscale look. Upstairs find three bedrooms, two full bathrooms, a loft area and laundry room plus a rooftop deck! A massive walk-in pantry as well as an oversized two car garage complete the incredible list of features. All of this is just a short walk, bike or drive to The Parlor, The Gladly, Pizzeria Bianco and so much more!

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20121 N 76th Street Unit 1035 Scottsdale, AZ 85255

$715,000

3 Beds

2 Baths

1,585 SqFt

Status Active

MLS # 6781615

Property Type Apartment

Price Type --

Gorgeous ground floor condo with the best location overlooking peaceful commons, and only a short walk to the pool and fitness center. Enjoy an open floor plan with a spacious living room featuring a stone-clad fireplace, and a large dining area with access to a covered patio. The home features newer wood plank flooring throughout (no carpet), baseboards, doors, hardware, and casements. Remodeled kitchen with granite waterfall counters, tile backsplash, pull-out shelves, and newer appliances. Wood shutters throughout and new sunscreens. The primary bedroom offers a large walk-in closet, updated Quartz counters, backlit mirrors, and a frameless glass shower with a bench. The guest bath features a hammered metal sink, Quartz counter, and new fixtures. Oversized laundry room.

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18923 W Sierra Street Surprise, AZ 85388

$715,000

4 Beds

3 Baths

2,162 SqFt

Status Active Under Contract

MLS # 6761774

Property Type Single Family Residence

Price Type --

Pinch yourself, then pinch yourself again....now have a friend pinch you. Now that you know you aren't dreaming you can fully appreciate how Truly amazing this home actually is. At 2,162 sqft this single story Wonder is only 3 years old, offering 4 bedrooms and 3 bathrooms, nestled in one of the Top Rated communities in the City of Surprise. Key features include a Gorgeous pool w/ water feature and Baja shelf, an owned 9.2kW solar system with an average APS bill of $20/month, 3 car Tandem garage plus a 49'' RV garage, soaring 10' ceilings, upgraded flooring throughout, professionally landscaped backyard w/ BBQ stub, water softener, garage workbench, Magnificent views of the White Tank Mountains, whole home surge protection, Moen Flo Smart Water Leak Detector and Shutoff, and so much more. You will be surrounded by great views and can avoid the city noise, while being a mere 3 miles away from access to the 303, and only 3.3 miles to the new Prasada Gateway shopping center for all of your shopping, dining, and entertaining needs. Not enough, well then how about being 0.5 miles away from the new City of Surprise Aquatic Center including a recreational pool with water feature and slides, a 50-meter competitive pool with diving area, shaded stadium seating, locker rooms, concessions area, splash pads, and a group Ramada area with courts.....all to be completed Summer 2025. Better hurry, great things are coming soon!

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25555 N Windy Walk Drive Unit 82 Scottsdale, AZ 85255

$715,000

2 Beds

3 Baths

1,623 SqFt

Status Active

MLS # 6781396

Property Type Townhouse

Price Type --

Skye Top at Troon-Guard Gated-In North Scottsdale. Pristine freestanding townhome. Upstairs loft is ideal for den/office/sitting room. Access upstairs balcony from primary bedroom. Primary Bathroom-Relax in the tub jacuzzi. Double vanity, walk-in closet, and shower complete the primary bathroom. Ground level outdoor rear patio is perfect for a BBQ to entertain your family/friends. Front landscaping maintenance is included. The Skye Top Community also offers a pool/spa/clubhouse. Located near upscale restaurants/shopping/golf courses.

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5300 E Wolfer Drive Tucson, AZ 85739

$715,000

5 Beds

4.5 Baths

3,178 SqFt

Status Active

MLS # 6276985

Property Type Single Family Residence

Price Type --

Welcome to your own private desert sanctuary! Nestled on a sprawling 2 acre lot, this charming home on horse property offers the perfect blend of tranquility and convenience. Located in the heart of Tucson, AZ, this property is a rare find, boasting picturesque desert landscapes and modern amenities within a gated community. As you approach this Southwestern-style gem, you'll be greeted by the inviting curb appeal with a beautifully landscaped front yard and a classic adobe-style exterior. Step inside to discover a spacious and well-maintained interior that's flooded with natural light. The open-concept living and dining areas feature vaulted ceilings, creating an airy atmosphere perfect for entertaining or relaxing with family. The kitchen is a chef's dream with ample counter space, modern appliances, and a convenient area for meal prep. Enjoy your morning coffee in the cozy breakfast nook while taking in views of the surrounding desert. The master suite is a serene escape with a generous walk-in closet and an ensuite bathroom that includes a luxurious soaking tub and separate shower. Three additional bedrooms provide plenty of space for guests, a home office, or a hobby room. Outside, the expansive backyard is a true desert oasis. The covered patio is ideal for outdoor dining and entertaining, while the meticulously maintained desert landscaping ensures minimal maintenance. Right outside your back door you'll find the panoramic view of the Catalina Mountains, unlimited horseback riding trails, along with hiking and biking trails to the Coronado National Forest for those outdoor enthusiasts. This property also includes a large detached RV garage that boasts a full bathroom and workshop, offering ample space for parking and storage. The one bathroom detached guest quarters offers a full bathroom and kitchen, making it an ideal income property or a space for guests to enjoy their own privacy. Don't miss your chance to own this unique desert retreat!

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2024 N Miller Road Scottsdale, AZ 85257

$715,000

4 Beds

2 Baths

2,200 SqFt

Status Active

MLS # 6701877

Property Type Single Family Residence

Price Type --

Come check out open floor plan home Pool & RV Gate. With an amazing back yard ready to entertain. This fully remodeled property. Features new roof, new windows, new flooring, new kitchen, and new restrooms. Waterfall island modern kitchen, recess lighting, new plumbing fixtures, new toilets, new ceiling fans. Home is basically new.

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945 E Playa Del Norte Drive Unit 3027 Tempe, AZ 85288

$715,000

3 Beds

3 Baths

1,852 SqFt

Status Active

MLS # 6721204

Property Type Apartment

Price Type --

Discover unparalleled luxury in this ultra-exclusive, high-security condo. Few units offer such generous space, featuring dual split master suites plus a large third bedroom and full third bathroom. Each bedroom has direct access to one of two expansive patios, providing breathtaking views of the courtyard, pool, and Tempe Town Lake. Enjoy cozy evenings by one of the two fireplaces, located in the family room and on the patio. Take advantage of the large fitness facility and secure, gated parking with two parking spots included. Nestled in the heart of Tempe, this prime location offers walking distance to all amenities and direct access to the scenic path around Tempe Town Lake. Easy accessibility to trash chute and elevators. Embrace the epitome of comfort, convenience and elegance in this extraordinary residence.

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