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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Sort by: Select Price, Low to High Price, High to Low Newer Listings First Older Listings First Open House Date

42491 W Bravo Drive Maricopa, AZ 85138

$715,000

5 Beds

3 Baths

3,622 SqFt

Status Active

MLS # 6724989

Property Type Single Family Residence

Price Type --

Welcome to your dream home. This exquisite 5-bedroom, 3-bathroom property offers the perfect blend of luxury, comfort, and entertainment. Elegant luxury vinyl plank flooring and plantation shutters add to the home's refined aesthetic. Spacious kitchen with granite countertops is perfect for meal prep or casual dining. A huge primary bedroom featuring two walk-in closets and private balcony with a view that does not disappoint. The property boasts an entertainers delight with a heated/cooled pool, spa, and a 4-hole putting green, making it the perfect place to host gatherings. Enjoy serene views of the 18th fairway right from your backyard. An EV plug-in station ensures your electric vehicle is ready to go. Don't miss the opportunity to own this extraordinary home in Rancho El Dorado

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6761 W Sonnet Drive Glendale, AZ 85308

$715,000

4 Beds

3 Baths

3,053 SqFt

Status Active

MLS # 6739241

Property Type Single Family Residence

Price Type --

Incredible Home Alert! Don't Miss Out! Experience luxury in this breathtaking home! The open kitchen dazzles with quartz countertops, pristine white cabinets, and a spacious island. Relax in the expansive family room by the cozy fireplace. Each bedroom, including the loft, is generously sized. Entertain in the elegant formal living and dining rooms. The master suite is a true retreat with a seating area, walk-in closet, and lavish bath. Enjoy peace of mind with a newer roof (2021) and a resurfaced pool (July 2024) to enjoy the hot days of summer. Includes a 3-car garage, fridge. Prime location near shopping. Furniture available on a separate bill of sale.

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14561 W Hidden Terrace Loop Litchfield Park, AZ 85340

$715,000

4 Beds

4 Baths

3,286 SqFt

Status Active

MLS # 6744745

Property Type Single Family Residence

Price Type --

Just WOW! Gorgeous 4-bed, 4-bath home on the Wigwam Red Golf Course! Displaying a manicured landscape & a sided 2-car garage w/paver driveway. Home exudes elegance with a neutral palette, tons of natural light, chic light fixtures, and tile & plush carpet t/out. You'll love the formal dining room and the bright, open floorplan w/soaring ceilings! The gourmet kitchen boasts SS appliances, granite counters, a plethora of cabinetry, a pantry, an island, and a breakfast bar. Owner's bedroom is downstairs, offering an ensuite with dual sinks, a jetted tub, oversized shower, & two walk-in closets. A circular loft upstairs! Also including two large bedrooms, each equipped with an ensuite & a balcony w/beautiful golf course views. Outback, you have a covered patio for enjoying BBQ. Move-in ready!

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20939 E Mayberry Road Queen Creek, AZ 85142

$715,000

5 Beds

4 Baths

3,158 SqFt

Status Active

MLS # 6758721

Property Type Single Family Residence

Price Type --

Why by new?! This meticulous home has Stunning upgrades & a finished backyard. Kitchen boasts quartz counters, gourmet cafe' appliances, large island, upgraded cabinets(including pull out shelves,hardware & soft close), huge walk in pantry plus butler's pantry. Gorgeous shutters, upgraded light fixtures & fans, ADDED CUSTOM BUILT INS throughout, wood look tile, & surround sound. You will love the shiplap, wall molding accents that really add to the charm! STORAGE+! Great room floorpan. Primary Bdrm & 1 secondary Bdrm on main level. Walk in closets in all bedrooms.En suite secondary Bdrm. 3 car garage w/ tons of custom built in cabinets. Spectacular location!! Within walking distance to all the favorite shopping, eateries & entertainment! Highly Rated Schools! So Many Extras in this home!

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18333 E Sunnydale Drive Queen Creek, AZ 85142

$715,000

3 Beds

2 Baths

1,502 SqFt

Status Active

MLS # 6750351

Property Type Single Family Residence

Price Type --

Charming and updated, this 3-bedroom, 2-bath home sits on a spacious .93-acre lot, offering plenty of room for expansion or customization. Over the past years, the home has seen significant upgrades, ensuring that the new owners can move in without needing to tackle any immediate projects. The property includes a 2-car garage, a fully covered patio, and a large open area perfect for your future plans. The home is also equipped with flood irrigation, a concrete fire pit, a small 4x6 shed, and a 12' gate providing access to the rear yard. Key updates include new windows (2019), exterior paint (2024), master bath renovation (2020), new flooring (2020), an HVAC system (2017), and a water heater (2018). No HOA, Irrigation, and Horse Property.

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1232 E Strawberry Drive Gilbert, AZ 85298

$715,000

5 Beds

3 Baths

2,610 SqFt

Status Active

MLS # 6761963

Property Type Single Family Residence

Price Type --

Don't miss this FANTASTIC move-in ready Gilbert home on spacious corner lot! 5 Bed 3 bath + Den, directly across from park. New flooring + freshly painted interior including ceilings, doors, cabinets + trim. New 2023 HVAC System (A/C + Furnace). Huge kitchen with oversized island, vaulted ceilings in great room. Large pantry + ample storage. Stainless steel appliances + fabulous french door refrigerator convey. Gorgeous Wainscot paneling in one bedroom, ceiling fans throughout, covered patio + stone pavers. Washer + dryer convey! Cool-off in your fabulous swimming pool and entertain on your extended patio. Premier location close to Chandler/Ocotillo. Close to hospital, shopping, dining and parks. Welcome home!

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7225 E Villa Way Scottsdale, AZ 85257

$715,000

4 Beds

2 Baths

2,097 SqFt

Status Active

MLS # 6762266

Property Type Single Family Residence

Price Type --

Nestled in the lively South Scottsdale area, this exquisite 4-bedroom, 2-bathroom residence showcases modern elegance, featuring a brand-new pool installed in 2022, ideal for enjoying the Arizona sun. A new roof was added in 2018. Inside, the open-concept layout is highlighted by sleek finishes, flooding each space with natural light. The bedrooms serve as peaceful retreats, while the spa-inspired bathrooms exude a sense of luxury. This beautifully updated home harmonizes comfort with sophistication, conveniently located near Scottsdale's finest dining, shopping, and entertainment, ensuring a life of ease and opulence within a tranquil environment.

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22914 W Sunland Avenue Buckeye, AZ 85326

$715,000

3 Beds

2 Baths

1,956 SqFt

Status Active

MLS # 6763666

Property Type Single Family Residence

Price Type --

You've found your dream ranch! This fully fenced property sits on almost two acres of land and features a main home, a bunkhouse, a covered 3,100 square foot barn area, half acre arena, irrigated pasture, and 6 covered corrals! The main 3 bed, 2 bath home has been freshly painted inside and out and all of the electrical outlets and switches have been updated. The kitchen features knotty wood cabinets with crown moulding, granite countertops, and stainless appliances. The formal family room is perfect for relaxing, the large bonus room is great for a hobby room or a second living area. All bedrooms have updated ceiling fans and recessed lighting. The bountiful laundry room has a utility sink and space for a workbench. Enjoy the country-style living with mountain views! Come visit today!

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578 E Laddoos Avenue San Tan Valley, AZ 85140

$715,000

2 Beds

2.5 Baths

2,124 SqFt

Status Active

MLS # 6764365

Property Type Single Family Residence

Price Type --

No more winter for you! Discover the epitome of move-in-ready perfection at Encanterra, a prestigious golf resort community. This immaculately designed home caters to buyers seeking pristine living. Spacious open layout, sleek granite countertops, soft-close cabinets, plantation shutters and high-end GE Monogram stainless-steel appliances. Seamlessly transition between indoor and outdoor living with a 3-panel sliding glass door. Added bonuses include a water softener and reverse osmosis system and separate garage for your golf cart. Come and play. The community offers a Clubhouse/Rec Room, heated Community Pools and Spas, Concierge, Pickleball Courts, a Workout Facility, and more. Washer, dryer, and refrigerator are included, ensuring your dream home awaits! Say Yes To This Address.

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4238 N 44th Street Phoenix, AZ 85018

$715,000

2 Beds

2 Baths

1,659 SqFt

Status Active

MLS # 6766057

Property Type Single Family Residence

Price Type --

Amazing home located in the heart of Arcadia with vaulted ceilings, tons of natural light, & views of Camelback Mtn from the balcony. Featuring two primary bedrooms with en-suite/updated bathrooms and an airy loft space. New HVAC installed in August, new LVP flooring throughout, plus an updated garage motor and 240 EV charging outlet in the two-car garage. The front gate opens to a hidden oasis of trees, vines, & brick that wrap around the property welcoming you into the comfort of home. Step through the back gate into the community desert walking path/pool area and out into the neighborhood for a quick walk to Teepee, Essence Bakery, or LGO. Kitchen is upgraded with dual ovens, granite countertops, farmhouse sink, and backsplash. Large laundry room features XL capacity washer/dryer and extra cabinets for ample storage. Use the Arizona room as an office, gym, or game room - the floor to ceiling windows and garden views create calm in this charming urban oasis.

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2336 W Laredo Lane Phoenix, AZ 85085

$715,000

4 Beds

3 Baths

3,742 SqFt

Status Active Under Contract

MLS # 6738174

Property Type Single Family Residence

Price Type --

Nestled on a PRIME cul-de-sac! Starting w/a 3-car garage, extended driveway, & a spacious courtyard. Sheer beauty & attention to detail are found inside! A blend of tile & wood flooring, soaring vaulted ceilings, & a cozy fireplace in the living room add to this home's appeal & livability. You'll also find a raised formal dining room, family room, den/office, & a huge bonus room. Gorgeous kitchen is a chef's delight, equipped w/recessed lighting, plenty of cabinets w/crown molding, a center island, granite counters & backsplash, a handy pantry, & high-end SS appliances such as a double oven & gas cooktop. Discover the large main retreat, boasting double door entry, plush carpet, a walk-in closet, & an ensuite w/dual sinks. The spacious backyard is a blank canvas for your personal design! Enjoy fantastic mountain views from the spacious backyard, which provides a covered patio. Act swiftly!

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6877 S Teresa Drive Chandler, AZ 85249

$715,000

5 Beds

3 Baths

3,610 SqFt

Status Active Under Contract

MLS # 6742949

Property Type Single Family Residence

Price Type --

PRICE REDUCTION. Don't miss out on this spacious home located in South Chandler's A+ rated Chandler School District. Home features energy efficient windows & shutters, replaced AC units, hardwood floors & much more! The tri-level floorplan boasts 5 bdrms, 3 bthrms, 3 car garage, a kitchen outfitted with granite counters, kitchen island, lots of storage, large family room with dry bar, flexible office/multipurpose room, huge bonus room, premium lot with no backyard neighbors. Enjoy the frontyard's gated courtyard or the backyard's relaxing water feature, bar, BBQ & amazing views! Close to shopping, food and entertainment, this home is just what you were looking for.

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