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

21984 N 97th Glen Peoria, AZ 85383

$700,000

4 Beds

4 Baths

3,286 SqFt

Status Active

MLS # 6755348

Property Type Single Family Residence

Price Type --

Nestled in the highly sought-after neighborhood of The Meadows, this stunning home offers luxury and convenience. The gourmet kitchen features a massive island, professional-grade refrigerator, gas stove, double ovens, granite countertops, double-stacked cabinets, and a walk-in pantry—perfect for the home chef. Situated on a prime corner lot, just steps from the community center and pool, the backyard is an entertainer's dream with a built-in BBQ, outdoor fireplace, pool, spa, misters, and a serene water fountain. The primary suite, located on the first floor, boasts a spacious bathroom with a wet room, freestanding tub, shower, and an oversized closet with custom built-ins. The home offers flexible living spaces, including a den, loft, office, and two laundry roomsone on each floor. Jack-and-Jill bedrooms and a split secondary bedroom provide privacy and functionality. Located near Lake Pleasant, shopping, restaurants, schools, the public library, and scenic hiking and biking trails, this home combines luxury living with the best of neighborhood amenities.

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20912 N 39th Place Phoenix, AZ 85050

$700,000

4 Beds

2.5 Baths

2,041 SqFt

Status Active

MLS # 6757363

Property Type Single Family Residence

Price Type --

Welcome Home to this beautiful move-in ready Desert Ridge area 4 bed, 2.5 bath cul-de-sac home. $54,000 in upgrades over the last two years. New Roof, New AC/Heating System, Home Painted in and out, new carpet, new bath vanities in upstairs baths with quartz counters, new sinks and faucets, nearly every light and ceiling fan updated, new blinds, new toilets, new sink and faucet in kitchen, new sprinkler system front and back and new artificial turf in front and backyards. Located minutes from shopping, dining & entertainment at Desert Ridge and City North. Quick access to the 101 and 51. Great PV Schools. Kitchen is open to the breakfast area and large family room overlooking tremendous backyard. Primary bedroom boasts a big walk-in closet and full bath with separate tub and shower.

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5416 E Chuparosa Lane Cave Creek, AZ 85331

$700,000

3 Beds

3 Baths

1,952 SqFt

Status Active

MLS # 6766435

Property Type Single Family Residence

Price Type --

This amazing home within Cave Creek's Rancho Manana gated community could be yours! This cozy one-story features a front in-law suite, incredibly tall ceilings, and enjoys North/South exposure without sacrificing natural light. It boasts tile and carpet throughout, and the living room includes a gas fireplace. The kitchen features tile countertops, a sizable pantry, and 42'' upper cabinets for additional storage. The primary suite offers ultimate comfort, with large bay windows, a spacious walk-in closet, a jacuzzi tub, dual sinks, and a private water closet. The guest bedrooms offer a mix of walk-in closets, with an attached bathroom in the in-law suite. Outside, there's a sizable front patio and a beautiful shared backyard with mature landscaping. This home is walking distance from the Rancho Manana Golf Club and just a short drive to Cave Creek's best dining and shopping.

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4137 E Ronald Street Gilbert, AZ 85295

$700,000

3 Beds

3 Baths

2,420 SqFt

Status Active

MLS # 6770917

Property Type Single Family Residence

Price Type --

Discover a corner lot gem in Cooley Station! It features wood-look tile floors and plantation shutters. Upon entry, you're welcomed by a den, perfect for a home office. Unwind in the inviting living room, while the sleek kitchen impresses with SS appliances, wall ovens, a chic tile backsplash, ample counters, a walk-in pantry, and an island with a breakfast bar. Versatile loft awaits, ideal for a media center or play area. Primary bedroom is a true retreat, featuring a private bathroom with dual sinks and a walk-in closet. Entertain in your backyard oasis, complete with a covered patio and a lovely paver sitting area. Located just minutes from parks, schools, and freeways. Experience this remarkable property for yourself!

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7904 E Pepper Tree Lane Scottsdale, AZ 85250

$700,000

2 Beds

2 Baths

1,432 SqFt

Status Active

MLS # 6772903

Property Type Townhouse

Price Type --

Welcome to your dream home! Furnishings convey with sale with a list price offer. This beautifully remodeled townhome showcases exquisite attention to detail, offering a perfect blend of modern elegance and comfort. Step into the stunning gourmet kitchen, featuring luxurious quartz countertops, striking black and gold fixtures, and a sleek subway tile backsplash. With brand new high-end appliances and a spacious breakfast bar, it's a chef's paradise. Enjoy the warmth of the cozy fireplace in the inviting living area, complemented by high-end laminate flooring and soaring vaulted ceilings. The tasteful gold accents throughout add a touch of sophistication. Plus, the option for furniture to convey makes moving in even easier. Don't miss your chance to make this remarkable space yours!

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4459 E Voltaire Avenue Phoenix, AZ 85032

$700,000

4 Beds

2 Baths

2,034 SqFt

Status Active

MLS # 6780991

Property Type Single Family Residence

Price Type --

This beautifully maintained 4-bedroom, 2-bath home offers the ideal blend of comfort, convenience, & entertainment. Step inside to discover a welcoming layout that includes a versatile flex room, perfect as an office, game room, or workout space. The kitchen & open living areas are perfect for both everyday living & entertaining. The kitchen includes, granite counters, stainless steel appliances & plenty of cabinet space. Outside, enjoy the beautiful weather on the covered patio overlooking a sparkling pool & a generously sized grassy areaâ€''ideal for backyard gatherings. A sizable storage shed provides ample space for all your extras, while a spacious 2-car garage ensures plenty of parking and storage -plus 2 RV gates. Located in a highly desirable Phoenix neighborhood close to top rate schools, shopping, & dining, this move-in ready home is a true gem. A must see!

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14103 S 44th Avenue Laveen, AZ 85339

$700,000

3 Beds

3 Baths

2,975 SqFt

Status Active Under Contract

MLS # 6698195

Property Type Single Family Residence

Price Type --

Basement home with guest house/shop offers flexibility for various living/working arrangements! Perfect for horses, hobby enthusiast, multi gen living, basement offers a separate living level along with the detached building for extended family or vacation rental. Ideal for small business 1200sf unit located across wash with bridge, keeps home private and work separate! Think of the savings not having to pay for an additional work space or more than one home! NO HOA and centrally located close to freeway and access to the entire valley! Set at the base of the mountain/preserve, perfect quiet, peaceful setting to enjoy sunsets and natural desert life! This multifunctional property is for those nature lovers and those not wanting cookie cutter living. Chef Kitchen. Modernized interior. Located in the county with lower property taxes. If more space is needed, lots north and south are available! See MLS Listing No's: 6708136 and 6708005

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1911 E Olive Court Gilbert, AZ 85234

$700,000

3 Beds

3 Baths

2,886 SqFt

Status Active Under Contract

MLS # 6704501

Property Type Single Family Residence

Price Type --

$65K BELOW APRAISD VALU! BACK ON THE MARKET! Buyers failed to fund. This beautiful 3 bedrm home was built with your family in mind! Nestled in a quaint cul de sac in Sonoma Ranch, just walking dist. from the Elem School. Extrmly lg back yard offers plenty of possibilities for the kids & they'll spend countless hours in the newly resurfaced pool with new cool deck and a new variable speed pump all redone in 2023. Enjoy the cool evenings and beautiful sunrises on the lg balcony directly off your master bedroom. The master also boasts dual walk-in closets! The loft area upstairs makes for a fun hang-out/study area for the kids and the fmly room has a cozy gas fireplace for those cool holiday evenings! The 3 car garage offers lots of storage and the chef will appreciate the gas kit appliance

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5424 N 186th Drive Litchfield Park, AZ 85340

$700,000

4 Beds

3 Baths

2,823 SqFt

Status Active Under Contract

MLS # 6721346

Property Type Single Family Residence

Price Type --

Check out this amazing 4 bed, 3 bath residence w/beautiful mountain views, now for sale in Savannah! Great curb appeal, a low-care landscape, a 5 car garage with Hydraulic car lift & rear entry, RV gate, and a welcoming front porch are just the beginning! Discover a cozy living area and a family room boasting soft carpet in all the right places, an entertainment niche, a warm fireplace, and custom palette throughout! The luxurious eat-in kitchen is comprised of wood cabinetry w/granite counters, recessed lighting, mosaic tile backsplash, high-end appliances such as a wall oven, a walk-in pantry, a lovely island, and a breakfast bar. End your busy day in the primary bedroom, boasting a walk-in closet and a lavish ensuite w/dual vanities. Finally, the wonderful backyard includes a covered patio, built-in BBQ, extended paver seating area, lush natural turf, 2 pergolas, and a sparkling blue pool! What are you waiting for? Act now!

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1261 E Springfield Place Chandler, AZ 85286

$700,000

3 Beds

3 Baths

2,245 SqFt

Status Active

MLS # 6745550

Property Type Single Family Residence

Price Type --

A Rare Gem Awaits You in Madison Park! Located in the heart of Chandler's desirable Madison Park community, this exceptional 2020-built home provides unmatched privacy with no neighbors in front or behind. Step inside and be wowed by over $100K in designer upgrades—bringing a level of style and luxury rarely found at this price! The open-concept layout, complemented by high-end finishes, sets a new bar for sophisticated living. Picture yourself cooling off in the community's sparkling pool and enjoying all that Chandler has to offer—top-rated schools, trendy dining, premier shopping, and more. Known for its vibrant community events, world-class parks, and booming tech scene, Chandler is the perfect place to make your new home. Don't miss your chance to experience this lifestyle

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62 W Elmwood Place Chandler, AZ 85248

$700,000

5 Beds

3 Baths

2,878 SqFt

Status Active

MLS # 6754032

Property Type Single Family Residence

Price Type --

Expansive Backyard Paradise! Gorgeous Home with Private Pool in the exclusive Ironwood Vistas Gated Community! Located in the highly desired Ironwood Vistas community, this home has it all! Relax in your own private pool on one of the largest lots, with additional access to a community pool and jacuzzi. The spacious layout includes a full bedroom and bathroom downstairs, ideal for guests or a personal retreat. Upstairs, you'll find a huge bonus room/loft, offering extra space for whatever you need. With brand new tile in the living and dining rooms, a recently serviced AC (installed in 2014), and charming touches like a Pygmy orange tree and fresh basil, this home is filled with delightful surprises. See for yourself why this home is truly one of a kind!

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8361 E Via De Viva -- Scottsdale, AZ 85258

Open House

$700,000

2 Beds

2 Baths

1,987 SqFt

Status Active

MLS # 6705758

Property Type Townhouse

Price Type --

McCormick Ranch single story townhome in PRIME Del Norte Gardens subdivision complete with community pool, tennis/pickleball and plenty of greenbelts throughout the Ranch. This home has been lovingly cared for and presents in a true Arizona Southwest fashion with custom hand painted tiles, saltillo flooring in main areas, wonderful covered patio spaces. A perfect lock and leave winter retreat. Updates include: AC (2022), water heater (2016), roof (2017). Enjoy the McCormick Ranch lifestyle!

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