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

11896 W Lone Tree Trail Peoria, AZ 85383

$700,000

3 Beds

2 Baths

2,098 SqFt

Status Active

MLS # 6777585

Property Type Single Family Residence

Price Type --

Welcome to your new home in the prestigious, gated community of Vistancia Village! This stunning residence, built in 2016, offers a bright and open floor plan designed to maximize both space and natural light. Soaring ceilings create a grand sense of openness, while a massive slider seamlessly connects indoor and outdoor living, inviting you to a resort-like backyard retreat. Perfect for entertaining and play, the outdoor space features elegant travertine pavers, low-maintenance artificial turf, vibrant citrus trees, an outdoor shower and a built-in sandpit for endless family fun. Enjoy spacious living with a layout perfect for entertaining, relaxation, and making lasting memories. Discover luxury, style, and comfort in a home that truly stands out.

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19312 W Colter Street Litchfield Park, AZ 85340

New

$700,000

4 Beds

2.5 Baths

2,830 SqFt

Status Active

MLS # 6781944

Property Type Single Family Residence

Price Type --

Introducing a METICULOUSLY MAINTAINED Shea Homes masterpiece with the most breathtaking backyard retreat revamped in 2017 with unobstructed MOUNTAIN VIEWS capturing dreamy sunsets year-round! This resort style oasis is equipped with a NEW PEBBLE TEC HEATED POOL and SPA with fountain and overspill, plus new pool equipment all in 2017 and pool heater installed in 2023! Note the double French doors to the covered patio, pergola, inviting built in gas grill and bar with convenient sink, custom professional pavers, palm trees, plants and landscape lighting all added in 2017. This spacious 4-bedroom residence PLUS office with OPPORTUNITY FOR 5TH BEDROOM, features a thoughtful SPLIT STYLE FLOOR PLAN, perfectly crafted for comfort and functionality. Home had NEW EXTERIOR PAINT in 2024 and fresh interior paint in 2021, new AC unit in 2023, new hot water tank in 2018. Reach out for our Upgrades and Features document to see all the improvements and pride of ownership! The 10 ft ceilings, oversized doors, crown moulding paired with an open concept chef's kitchen fully loaded with oversized island, 2.5'' granite countertops, 42'' cabinetry running the full length of the wall, built in stainless steel appliances, REVERSE OSMOSIS water purification system and a walk in pantry. Massive homeowner's suite with his/her vanities AND walk in closets, soaking tub and walk in shower. Enjoy low electric bills with SOLAR PANELS already installed in 2017 and TWO GARAGES! The air-conditioned 3-CAR tandem garage, plus the separate single car garage is a dream for projects as a workshop, for car lovers, or extra storage. Appreciate the longer driveway and additional street parking plus NO NEIGHBORS IN FRONT, allowing privacy and spectacular, unobstructed MOUNTAIN VIEWS. Designed with refined luxury and privacy in mind, this gently lived in home is an absolute rarity and the ultimate retreat! Come see for yourself!

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4335 E Clifton Avenue Gilbert, AZ 85295

$700,000

3 Beds

3 Baths

1,891 SqFt

Status Active

MLS # 6780303

Property Type Single Family Residence

Price Type --

This home has it all—modern upgrades, energy efficiency, and exceptional style. It looks and feels like a model home! When it was built, the sellers put a lot of thought into the energy features and the aesthetics. ($90K in upgrades with the builder) Step inside to a spacious great room with a 16-foot atrium glass door filling the space with natural light and leading to an incredible backyard oasis. The upgraded gourmet kitchen is a chef's dream, featuring luxurious split-color cabinets, quartz countertops, and GE matte black cafe appliances, adding both elegance and functionality. The large island, farm sink, and pantry ensure you have everything you need to entertain in style. Tray ceilings elevate the main living areas, adding architectural interest throughout. The master bath is designed for relaxation, featuring an upgraded shower, dual sinks, and tasteful finishes. Plantation shutters offer timeless charm and privacy, while the DuPure reverse osmosis water filtration system and tankless water heater provide convenience and efficiency. Window throughout are dual-pane Low-E for comfort and savings, complemented by an energy-efficient SEER 16 A/C unit. The outdoor space is a showstopper. The backyard was thoughtfully designed just two years ago with a $100,000 investment in a pool with in-floor cleaners, artificial turf, and pavers. A covered patio offers shade, making this low-maintenance backyard perfect for relaxation and gatherings. This exceptional property is a must-see to fully appreciate all its premium features!

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917 E Mckinley Street Phoenix, AZ 85006

New

$700,000

2 Beds

2 Baths

1,804 SqFt

Status Active

MLS # 6783138

Property Type Single Family Residence

Price Type --

Nestled in Phoenix's vibrant Roosevelt Row Arts District and historic Garfield Neighborhood, this completely renovated 2023 property blends luxury, modern sophistication, and timeless elegance. The main house features 2 spacious bedrooms, 2 opulent bathrooms, soaring ceilings, and custom finishes, creating an atmosphere of grandeur. A 432 sq. ft. guest house offers 1 bedroom, 1 bath, perfect for guests or as a premium rental. The meticulously landscaped grounds include irrigation and lush greenery. Just steps from upscale dining, art galleries, farmers markets, and local events. Zoned R-5 Multi-family, offering development potential. Airbnb earnings available upon request. A true urban oasis with boundless possibilities for investment and lifestyle.

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22319 E Pickett Court Queen Creek, AZ 85142

$700,000

5 Beds

3.5 Baths

3,720 SqFt

Status Active Under Contract

MLS # 6755978

Property Type Single Family Residence

Price Type --

*Photos coming soon* Rare, spacious BASEMENT home with 5bedrooms +gameroom! Just needs new homeowners to enjoy. The comfortable courtyard greets you upon entrance. The spacious interior is perfect for large gatherings & making memories. Designer features include travertine flooring with stone detailing, plantation shutters, upgraded cabinetry & beautiful wood flooring. Spacious bedrooms & storage throughout. The basement includes 2 bedrooms, full bath & bonus room with wall mounted TV & custom built-in. Enjoy outdoor living under a large, covered patio overlooking an oversized lot, built-in BBQ & paver seating areas. Ample room for a pool. 3 car garage with storage cabinets. Located within steps to Queen Creek HS. Within minutes of the new Frontier Family Park & Pecan Lake Entertainment.

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5113 N 79th Place Scottsdale, AZ 85250

$700,000

2 Beds

2 Baths

1,638 SqFt

Status Active Under Contract

MLS # 6773719

Property Type Townhouse

Price Type --

Enjoy stunning Camelback Mountain views from the peaceful front courtyard of this ideal Scottsdale townhome, located in the desirable Scottsdale Monterey neighborhood. Just a short walk to Chaparral Park, where lush greenbelts and a serene lake await, this updated, open-concept home offers a perfect blend of tranquility and convenience. Inside, soaring ceilings and an inviting kitchen with stainless steel appliances create a welcoming space. A bonus office off the kitchen also offers mountain views, making it the perfect spot for work or relaxation. The spacious primary bedroom opens directly onto a private exterior patio, and the en-suite bath features dual vanities and a sleek glass shower. Nestled close to Old Town's entertainment district and Fashion Square, this townhome is your your serene retreat in the heart of Scottsdale. Delight in all the area has to offer on your free time or stay in and enjoy the community Pool and spa.

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16065 W Poinsettia Drive Surprise, AZ 85379

$700,000

3 Beds

2 Baths

2,310 SqFt

Status Active Under Contract

MLS # 6777044

Property Type Single Family Residence

Price Type --

Luxury and function circle this rare find! The 51' Tandem RV garage with attached 3 car garage is climate controlled and fits a class A RV effortlessly. 3 bedroom plus den/4th bedroom. Owned solar (paid for) 30 panels with size of 12,000 watts. The current owner has low or no power bills (with the exception of $100-$150 the months of June-August). Heated pool with pop up cleaners. Sparkling spa stays! NEW HVAC (2) in 2023 This turnkey Estate was built as owners forever home. Meticulously cared for. Professional landscaping has the Arizona lifestyle captured perfectly. North South exposure. Enjoy cool summer nights in your private rear grounds. Commerciql grade raised garden containers ensure a steady supply of all that you need to stay healthy and happy! Welcome home.

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7137 E Rancho Vista Drive Unit 5008 Scottsdale, AZ 85251

$700,000

1 Bed

1.5 Baths

946 SqFt

Status Active

MLS # 6742999

Property Type Apartment

Price Type --

Welcome to this newly remodeled condominium located in the highly sought-after Optima Camelview Village! This unit seamlessly combines a contemporary design w/the convenience of condo living plus exceptional community amenities. Inside, you'll immediately notice the open concept floor plan, designed to maximize space, featuring so much natural light from the expansive floor-to-ceiling windows & stunning hardwood floors that contrast nicely w/the modern, neutral color scheme. The living area is both spacious & inviting, w/a sleek, minimalist aesthetic that carries over into the kitchen. The gourmet kitchen boasts premium stainless steel appliances, a breakfast bar, marble countertops, & dark wood cabinets. Take advantage of this perfectly-sized den an ideal spot for an office. Romantic primary suite features floor-to-ceiling windows, a walk-in closet, and an immaculate ensuite complete w/a walk-in shower & dual sinks. Not to be overlooked is the outdoor space - a cozy private terrace where you can take in the vibrant atmosphere, gorgeously landscaped courtyards, & water features. Don't miss this amazing chance! Visit before it's gone!

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6928 N Citrus Road Waddell, AZ 85355

$700,000

4 Beds

2.5 Baths

2,200 SqFt

Status Active

MLS # 6678917

Property Type Single Family Residence

Price Type --

Back on the Market. Buyers couldn't preform! New interior and exterior paint and all new carpet throughout the home. This dream home is nestled on 1.24 acres of serene landscape with breathtaking mountain views. This move-in ready residence boasts a spacious great room, perfect for entertaining or cozy nights by the fireplace. The expansive primary bedroom provides a peaceful retreat, while the meticulously landscaped front and back yards offer lush greenery and ample space for outdoor enjoyment or making the perfect home for your horses. Don't miss the opportunity to make this picturesque oasis your own and prepare to fall in love with your new home.

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127 E Garfield Street Tempe, AZ 85288

$700,000

3 Beds

2 Baths

2,313 SqFt

Status Active

MLS # 6767925

Property Type Single Family Residence

Price Type --

Here's your chance to own this beautifully upgraded 3-bedroom, 2-bath home in vibrant Tempe. Boasting 2,313 sq. ft. of living space on a spacious 7,684 sq. ft. lot, this home offers modern upgrades and a prime location near Old Town Scottsdale, freeways, dining, and entertainment. Recent updates include new energy efficient windows (2020), a tankless water heater (2023), Frigidaire Gallery kitchen appliances (2023), and a kitchen with crown molding, backsplash, and a custom wine rack (2024). Both bathrooms have been tastefully updated with new fixtures, sinks, and hardware, and the home features a large game room, a separate laundry room, a large covered patio, putting green, and an RV gate. It's also located in a very desirable neighborhood with no HOA!

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2925 W Ridge Road Chino Valley, AZ 86323

$700,000

4 Beds

4 Baths

1,826 SqFt

Status Active

MLS # 6724763

Property Type Single Family Residence

Price Type --

Here we have a total of 2434 Square Feet of Livable Space with 4Bedrooms, 4Bathrooms, 4CarGarage....Starting with 2 Bedrooms in 1826 sf Quality LOG CABIN Construction, 288 Square Foot Guest House above 4 Car Garage, plus 320 Square Foot ''Bunk House'' all placed on 6 splitable acres in a very Private Setting... BACKING STATE TRUST LAND!!! Home has wrap around Trex Veranda/Covered Deck, Beamed Ceilings, Ceiling Fans, Wood Laminate & Carpet flooring, Custom Lighting, Arizona Room, & Freestanding Gas Stove w/Blower. NEW Knotty Hickory Kitchen Cabinetry, Butcher Block countertops, Island, NEW White Kitchen aid Appliances, including Refurbished Antique Gas Stove, Eat-In Kitchen area, Pantry, & Pot Rack. Large Master on Upper Floor with Beamed Ceilings, Large Claw foot Tub w/shower attachment, Single Sink on Granite, & has multiple Closets. Guest Bath in Main House has NEW Lg Tiled Shower w/glass doors... Guest Casita has Screened in Deck/Porch, one Bedroom, Knotty Hickory Cabinetry, Laminate Countertops, Fabulous Kitchenette, ¾ Bath (Sink, Toilet, Shower).... Bunk House (unpermitted) has one Bedroom, 3/4 Bath, Slate Tile & Wood Laminate for flooring, Gorgeous Kitchenette, & a Covered Trex Deck. Additional details include...NEW Roof on Main Cabin, Steel Roofs on Outbuildings, NEW Water Heater, Large Laundry with Upper Cabinetry and Storage, Corral w/Shade, Chicken Coop, 75 Fruit Trees (Almond, Apricot, Cherry, Apple, Pear, Fig, Pomegranate, & Grape Vines), & Security Cameras. WELL is 20 GPM shared well with neighbor, has new Submersible Pump, w/Storage Tank. Guest House and Bunk House produce $2500/Month as Rentals.....

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3032 E Sagebrush Street Gilbert, AZ 85296

$700,000

4 Beds

3 Baths

2,000 SqFt

Status Active

MLS # 6738318

Property Type Single Family Residence

Price Type --

Welcome to the beautiful community of Warner Groves at Morrison Ranch! Like all Morrison ranch neighborhoods you are surrounded by lush greenbelts, parks and playgrounds, the charm of white picket fences, and shade trees that are now maturing into their full splendor. We are offering a lovely, move-in ready one story home with 4 bedrooms and 2000 square feet of living space. The home features 3 full baths, upgraded cabinets, large granite kitchen island, new exterior paint, and large Primary Bedroom. Located in the heart of Gilbert, your new home is conveniently located near the San Tan shopping area, multiple healthcare facilities, highly rated schools, and transportation. With few homes available in this desirable neighborhood, we welcome you to come and see it before it's gone!

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