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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3401 Big Sky Drive Wickenburg, AZ 85390

$700,000

2 Beds

2.5 Baths

2,394 SqFt

Status Active

MLS # 6746343

Property Type Single Family Residence

Price Type --

Welcome to your slice of paradise in Wickenburg Ranch! This delightful 2 bedroom, 2 1/2 bathroom home is a treasure, with a den and formal dining room for the dinners and parties you've been dreaming about. For the home chefs out there, the kitchen is a dream come true. The gas cooktop is perfect for whipping up gourmet meals, and the layout is so open and inviting, you'll never have to miss out on the fun happening in the living room. This home is all about giving you that bright, airy feeling, with lots of space to live, laugh, and make memories. The views from the owner's suite, living room, kitchen and backyard are the kind you'll want to wake up to every morning and unwind to each evening. You'll love Wickenburg Ranch and being part of a community that's all about enjoying life!

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627 S Buenagua Road Payson, AZ 85541

$700,000

3 Beds

2 Baths

1,285.80 SqFt

Status Active

MLS # 6751961

Property Type Single Family Residence

Price Type --

Discover tranquility in the heart of Kohl's Ranch. This charming cabin, nestled under the Mogollon Rim, offers a serene escape! Whether you're seeking a peaceful getaway or a turn-key vacation rental business, Applecross Cottage is the perfect choice. Enjoy the cozy ambiance of the cabin's Jotul propane stove, relax in the outdoor hot tub, or entertain guests on the spacious 24x16 deck. This enchanting cabin is perfectly nestled among the trees, providing a secluded feel while being conveniently set back from the street on a large, sprawling lot with many little destinations here and there. Tonto Creek is right across the lane, via three public pathways. Lot is fully fenced with gates at either end of the large driveway. Enjoy easy access to nearby lakes, hiking trails, and the ASU Football Camp Tontozona. Inside, you'll find comfortable living spaces, vaulted ceilings, and plenty of natural light. The property also includes a washer and dryer, a shed, and fruit trees. The home is currently a 5-star Airbnb and comes fully furnished! Don't miss this opportunity to own your own piece of paradise in the beautiful Mogollon Rim.

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7710 E Gainey Ranch Road Unit 245 Scottsdale, AZ 85258

$700,000

2 Beds

2 Baths

954 SqFt

Status Active

MLS # 6752928

Property Type Townhouse

Price Type --

Experience life in a beautifully renovated 2 Bedroom 2 Bathroom condo in the heart of Scottsdale behind the gates of Gainey Ranch. Enjoy a completely stripped down to the studs remodel with an open concept Kitchen Dining and Living Room combination. 9-foot ceilings with wood-look. Aquaguard laminate flooring throughout. Spacious Main Bedroom with fully renovated walk-in closet Main Bathroom combination. Second bedroom with remodeled built-in desk in addition to a full adult soaker tub in the second bathroom. Detached single car garage with Electric vehicle charger installed. Minutes from TPC, Westworld, Old Town Scottsdale, Scottsdale Fashion Square, and Kierland/Scottsdale Quarter. A full remodel completed in 2022 on the community center with a state of the art fitness center, wine room, covered patio, and entertaining space for parties. Enjoy the community lap pool and the luscious landscape that surrounds this community. Gainey Ranch is steps away from the Shops at Gainey, which provides many fun dining and social activities. In addition, enjoy a round of golf at the Gainey Ranch Golf Club or a day at the Hyatt Gainey Ranch spa.

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14321 W Caribbean Lane Surprise, AZ 85379

$700,000

6 Beds

3.5 Baths

4,313 SqFt

Status Active

MLS # 6754444

Property Type Single Family Residence

Price Type --

Your DREAM home is here! Located in Royal Ranch, this remarkable 6-bedroom property is spacious and packed with all the bells & whistles. Great curb appeal with 2-car garage, mature landscape, front porch, and RV gate w/paver driveway. Fabulous interior showcases designer paint, recessed lighting, pre-wired surround sound, and soft carpet & tile flooring in all the right places. Featuring separate living, dining, and family rooms, this home provides ample space perfect for any lifestyle. The impressive kitchen has SS appliances, granite counters, ample staggered cabinetry, a pantry, a center island, and a breakfast nook. Two secondary bedrooms downstairs! You also have a versatile den with a built-in desk, ready to be your office. Other bedrooms await upstairs, with tons of natural light! The oversized main bedroom is a true retreat that features an ensuite with dual sinks, separate tub/shower, and a walk-in closet. Beyond the interiors, the large backyard holds its own charm! This space is designed for relaxing & entertaining, offering a covered patio, multiple seating areas, and a fenced sparkling pool for year-round enjoyment. What's not to like? This beauty won't disappoint!

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18827 E Via Del Jardin -- Queen Creek, AZ 85142

$700,000

3 Beds

2 Baths

1,625 SqFt

Status Active

MLS # 6757272

Property Type Single Family Residence

Price Type --

Book the movers! You've found your rural sanctuary with this amazing acre property. Mountain views and sunsets that'll take your breath away, this property is sure to please any homebuyer wanting the rural farm feel without being far from the convenience of city living. Located just on the border of Queen Creek and Gilbert. Spacious open floor plan, 3 bedrooms and 2 baths, fantastic bonus room off the kitchen, all tastefully designed with an urban farmhouse feel. Granite countertops in the kitchen, subway tiled backsplash, custom painted cabinets and stainless-steel appliances. Fenced property is located next to the Sonoqui Wash Trail which leads directly to the QC Equestrian Park, situated with N/S exposure and no neighbors to the north.

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9365 S 178th Avenue Goodyear, AZ 85338

$700,000

3 Beds

2 Baths

2,648 SqFt

Status Active

MLS # 6759707

Property Type Single Family Residence

Price Type --

Welcome to Saguaro Canyon in the foothills of the Estrella Mountains! This exquisite Ashton Woods designed property has the rare combination of luxury and convenience with a backyard oasis you've been dreaming of. As you enter through the landscaped courtyard you are greeted by thoughfully designed wood inlay tile floors, stone pillars, mountain views, a 2-way fireplace, and ample space for entertaining. Heading out to the pool and spa, you'll feel the serenity of the waterfall feature as you enjoy your morning coffee on the covered patio or entertain with the built-in BBQ. This is truly a once-in-a-lifetime opportunity - see it NOW before its gone!

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32311 N Cat Hills Avenue San Tan Valley, AZ 85144

$700,000

5 Beds

3.5 Baths

3,155 SqFt

Status Active

MLS # 6765317

Property Type Single Family Residence

Price Type --

Introducing this beautifully upgraded 5-bedroom, 3.5-bathroom home in the sought-after San Tan Heights community! This two-story gem welcomes you with a grand iron front door and showcases a range of high-end features, including double iron entry doors leading to the backyard. Inside, you'll find stunning travertine flooring and baseboards throughout, complementing the luxurious feel of every room. Designed for convenience and comfort, this home boasts two laundry rooms—one on each level—ideal for large households. The spacious layout includes a loft, perfect for a media room or play area, and a den/office, providing an ideal work-from-home space. Equipped with a state-of-the-art home security system featuring 11 hardwired cameras and door sensors monitored by ADT, you'll enjoy peace of mind. The home is further enhanced by 8-foot doors, a water softener, and essential systems such as the pool pump and HVAC, all under two years old. In addition, they also have had the entire house sealed by a pest control company to keep the scorpions out! This home is perfect for those who appreciate modern living in a vibrant, family-friendly community. Don't miss out on this exceptional property!

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13506 W Earll Drive Avondale, AZ 85392

$700,000

5 Beds

3 Baths

4,000 SqFt

Status Active

MLS # 6775069

Property Type Single Family Residence

Price Type --

Gorgeous home with BASEMENT in Fulton Estates! Its charm starts with a low-care front yard, stone accent details, a front patio, and a 2-car garage. Fabulous interior showcases a two-tone palette, elegant light fixtures, layered crown molding, custom mural, and tasteful flooring - tile & soft carpet in all the right places. You'll LOVE the formal dining room! The inviting living room is paired with a pre-wired surround sound and an entertainment niche w/fireplace. The impressive kitchen boasts a cooktop gas, double wall ovens, granite counters, travertine tile backsplash, a pantry, recessed lighting, staggered cabinetry, a center island, and a breakfast nook. The cozy den provides built-ins! The large main bedroom has an ensuite with two vanities, separate tub/shower, & a walk-in closet. Let's not forget the fully finished basement, adding a significant living space! This lower level houses a spacious family room w/fireplace and two secondary bedrooms. Out the back, you have a covered patio, a platform wooden deck, mature trees, and a great spot for al fresco dining. What a RARE find!

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5151 N 13th Place Unit 17 Phoenix, AZ 85014

$700,000

3 Beds

2.5 Baths

2,202 SqFt

Status Active

MLS # 6769530

Property Type Townhouse

Price Type --

A contemporary and beautiful townhouse tucked away in a great location now available! This interior unit has 2,202 sqft and a versatile floor plan offering 3 bedrooms, 2.5 bathrooms, and an upstairs bonus room. It features premium engineered wood floors, 10 ft ceilings, and a private ground floor patio with multi-slide door. It also features a roof deck with privacy wing walls and sweeping views, a 2-car garage, a primary bedroom deck with dual closets, and a spa-inspired bathroom with designer curated quartz countertops. The chef-inspired kitchen includes a waterfall kitchen island, a walk-in pantry, stainless steel appliances and a gas range. The Nirvana at Colter community with thoughtfully designed layouts is located within Camelback East Village, a vibrant area with immediate access to numerous restaurants and shopping areas. It also has quick access to AZ-51 freeway, Downtown Phoenix and Sky Harbor Airport.

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2130 W Ivanhoe Street Chandler, AZ 85224

$700,000

4 Beds

2 Baths

2,383 SqFt

Status Active

MLS # 6769318

Property Type Single Family Residence

Price Type --

Discover your dream home in Mission Manor at Ray Ranch! This stunning single-level residence is minutes from shopping & dining, with easy access to the 101 & 202 freeways, perfect for those seeking convenience within the A+ Chandler School District. The heart of the home features an open kitchen with granite countertops, stainless steel appliances & walk-in pantry, that flows into the bright living area with vaulted ceilings. Enjoy outdoor gatherings under the large covered patio overlooking a picturesque yard & inviting pool. The spacious master suite offers direct access to the yard & includes a spa-like bathroom & a generous walk-in closet. With 4 bedrooms, a dedicated office/den & 3 car garage. This home is a must see!

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26269 N 45th Place Phoenix, AZ 85050

$700,000

4 Beds

3 Baths

2,131 SqFt

Status Active

MLS # 6778337

Property Type Single Family Residence

Price Type --

Set on a large premium lot in Tatum Highlands, this home offers mountain and desert views with high ceilings that greet you at the entry and extend through the spacious living room. Featuring 4 bedrooms and 3 full baths—including a convenient main-floor bedroom and bath—this layout is ideal for flexible living. The upstairs master suite provides a private balcony, dual walk-in closets, and bath with separate tub and shower. The kitchen, complete with an island and breakfast bar, opens to a beautiful backyard oasis with a sparkling pool. Located close to Desert Ridge dining, major freeways, and scenic trails—don't miss the chance to explore this desert retreat!

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9240 N 101st Street Scottsdale, AZ 85258

$700,000

2 Beds

2 Baths

1,603 SqFt

Status Active

MLS # 6778276

Property Type Single Family Residence

Price Type --

Discover spacious, light-filled living spaces that blend comfort and style. This fully detached townhouse boasts a thoughtful layout, ideal for relaxation and entertainment. Welcome to this delightful 2 bed/2bath home with an extra den/office space with built-ins. Tons of natural light pours in the bright living room with vaulted ceilings. Enjoy the refreshed fireplace, or check out the charming patio. A guest room offers a lofted bed for added charm. Granite countertops, neutral colors, and fresh paint! Brand new flooring throughout, shutters, a breakfast nook and low maintenance yard. Community pool and spa, close to shopping and restaurants! Front yard is maintained by HOA! Enjoy modern upgrades, ample storage, and community features that offer a blend of luxury and convenience.

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