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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11326 E Medina Avenue Mesa, AZ 85209

$699,950

2 Beds

2.5 Baths

2,282 SqFt

Status Active Under Contract

MLS # 6772506

Property Type Single Family Residence

Price Type --

A rare opportunity in the highly sought-after Sunland Springs Village, Mesa, AZ. This meticulously cared-for home offers 2 bedrooms, a den, an office/hobby room, and 2.5 bathrooms, all situated on the 8th fairway near the green of the Superstition Golf Course. With 2,282 sqft of graceful living space, this home features a well-designed, light-filled layout, including an open family room, kitchen, and a custom bumped-out eat-in dining area. The kitchen boasts an extended breakfast bar, maple cabinetry with upgraded glass door displays, and ample workspace. Enjoy stunning golf course views from the family room, eat-in kitchen, office/hobby room, and primary suite. The backyard offers the epitome of outdoor living with extended covered patio, showcasing views of the golf course Red Mountain, and Superstition Mountains. The home also features a rebuilt roof in 2021 and motorized/mechanical security roller shades. Sunland Springs Village provides the ultimate 55+ living experience with a 27-hole executive golf course, clubhouse, fitness center, card room, arts & crafts studio, outdoor pools and spa, tennis & pickle balls courts, and more. Conveniently located near Superstition FWY- HWY 60 and down the street from shopping, restaurants, and entertainment at the Superstition Gateway Shopping Plaza...just to name a few : Kohls, Wal-Mart, Best Buy, Marshalls, Bed Bath & Beyond, In-N-Out Burger, and AMC Theatre.

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17832 W Sapium Way Goodyear, AZ 85338

$699,950

5 Beds

4 Baths

3,039 SqFt

Status Active Under Contract

MLS # 6766242

Property Type Single Family Residence

Price Type --

Welcome to this gorgeous 5 bedroom home in the sought-after resort style community of Estrella Mountain Ranch. Featuring dual ensuites, hosting the in-laws is a breeze! Built in 2022, this spacious 3,000+ sq. ft. home with stylish accent walls and built-in bar, offers stunning mountain views from every angle. The designer kitchen features high-end finishes, reverse osmosis & water softener systems. Enjoy relaxing in the luxurious pool and hot tub on the turfed yard, perfect for entertaining. The loft provides additional space for work or play. Located just a short walk from the new Presidio community center and near parks, walking, biking, and hiking trails, this home truly has it all! Don't miss out!

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11106 S 52nd Lane Laveen, AZ 85339

$699,900

3 Beds

3 Baths

2,392 SqFt

Status Active

MLS # 6778288

Property Type Single Family Residence

Price Type --

Dreaming of a new home without the wait? This is it! Owner's plans changed, so this home is BRAND NEW—fresh two-tone paint, polyurea garage flooring, & ready to go. With ample garage space for all your toys & a spacious open layout, there's room for everyone. Need a home office, cozy den, or flex space? This home has that too, plus a next-gen living space in the front room with a private ensuite bathroom, perfect for guests or multigenerational living. The kitchen, gathering room, & dining area flow effortlessly for warm family meals & easy entertaining. Enjoy indoor/outdoor living with an extended wrap-around covered patio—perfect for relaxing or hosting. New Home Warranties are transferrable! Corner lot backing to greenbelt—no neighbors, just stunning mountain views! Make it yours today

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47616 N 23rd Drive New River, AZ 85087

$699,900

3 Beds

2.5 Baths

1,959 SqFt

Status Active

MLS # 6708351

Property Type Single Family Residence

Price Type --

Brand New Extraordinary Custom Spec is now complete. This is the last gorgeous home being offered that is part of this fantastic culdusac w paved 23rd Dr and panoramic Mountain views. Master is split with huge walk in shower, his & her closets, Large soaker tub. Garage is HUGE w over 1550 sq ft, Mini-split & 1/2 bath, 50 amp service & big enough for 6 cars. Come relax on the back patio while enjoying the breathtaking views of Tonto National Forest & New River Mesa. Inside is open & bright. Large open kitchen has stainless appliance package, kitchen island w bar covered in quartz. Spray foam insulation thru-out, 4 part shared well, brand new septic, Builders 2 year warranty.

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22524 W Huntington Drive Buckeye, AZ 85326

$699,900

4 Beds

3 Baths

2,206 SqFt

Status Active

MLS # 6758316

Property Type Single Family Residence

Price Type --

Brand new build home on a 1-acre lot! Great curb appeal, brick accented facade, 3-car garage, and a front porch for enjoying the mountain views. The elegant interior has high vaulted ceilings, glossy tile floors, fresh neutral paint, thick baseboards, and modern light fixtures. You'll love the open layout to seamlessly all areas for endless entertainment! Wide-open kitchen showcases quartz counters, stainless steel appliances, a stylish backsplash, an island with a breakfast bar, a walk-in pantry, and plenty of cabinets. Retreat to the main suite to discover private backyard access, a walk-in closet, and a lavish bathroom with a freestanding tub & a tiled shower. There's a secondary bedroom with its own bathroom, ideal for a guest quarter or an office! Seize this opportunity!

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22812 N Dusty Trail Boulevard Sun City West, AZ 85375

$699,900

3 Beds

3 Baths

2,976 SqFt

Status Active

MLS # 6779388

Property Type Single Family Residence

Price Type --

Backing to the 17th green with views of the 18th tee box and multiple fairways, this 3 bed/3 bath/PLUS a den, Sun City West masterpiece is a SHOW STOPPER!! Exterior boasts an extended patio with pergolas, planters, remote controlled screens, cool decked concrete, and huge entertaining space. Walk through the double door entry, experience the soaring ceilings, and cast your gaze through the multiple bay windows to capture the sunset views with the golf course backdrop. The downstairs master suite has two walk-in closets, jetted tub for two, separate shower, and dual sinks. SECOND MASTER SUITE is a cozy upstairs apartment with a walk-in closet and bathroom. Chef's kitchen has been updated with stunning cabinetry and GE CAFE & BOSCH appliances. The 3-way gas fireplace gives just the right ambience for any occasion. Updates include new floors, fresh paint, tankless gas water heater, water softener, garage cabinets, and RO.

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18570 W Cathedral Rock Drive Goodyear, AZ 85338

$699,900

3 Beds

2.5 Baths

2,602 SqFt

Status Active

MLS # 6745612

Property Type Single Family Residence

Price Type --

Discover this stunning luxury single-story home, to be built appx 5-6 months, in an exclusive all single-story community. Huge backyard for future pool. Amazing 60' wide residence features 3 bedrooms, 2.5 bathrooms, a versatile study or media room, and a spacious 3-car tandem garage with a pavered driveway. The elegant, chef-inspired kitchen boasts a gas cooktop, wall oven/microwave, quartz countertops, 42'' upper cabinets, and opens to a spacious great room with a 20' multi-slide door, perfect for seamless indoor-outdoor living. The primary suite offers a zero-step entry shower, a huge walk-in closet with direct access to the laundry room. Energy efficiency is prioritized with spray foam insulation in the attic and exterior walls, plus a tankless water heater. Photos not subject property

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7800 E Lincoln Drive Unit 1072 Scottsdale, AZ 85250

$699,900

3 Beds

2 Baths

1,601 SqFt

Status Active

MLS # 6750243

Property Type Townhouse

Price Type --

Wonderful opportunity for a fully remodeled three bedroom unit in Cabrillo Square! MOVE IN READY! The home was just completed from the existing owner. Beautifully done with new vinyl flooring throughout, new carpet on stairs and in the primary bedroom. Brand new Samsung appliances, refrigerator, stove and microwave. New quartz counters in kitchen, long rectangular stainless steel sink with an eat in kitchen. Freshly painted, new tile surround the wood burning fireplace. Dual pane windows and new window treatments throughout. W/D inside. So many upgrades to mention! BEAUTIFUL GREEN LEMON TREE ON THE SIDE OF HOME IN BACK!! 2 car garage with direct access into kitchen. Home shows very light and bright with abundant light. This is a must see! Vacant and ready for new owners!

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2026 E Laurel Circle Mesa, AZ 85213

$699,900

4 Beds

2 Baths

2,439 SqFt

Status Active

MLS # 6763254

Property Type Single Family Residence

Price Type --

Gorgeous home with FLOOD IRRIGATION and NO HOA! No corner has been left untouched. OWNED Tesla solar and battery make your energy bills incredibly efficient. The vaulted ceilings and bright rooms make the entire home your spacious retreat. Fully remodeled kitchen with quartz countertops, double ovens, and tons of upgrades will make your chef's heart sing. The primary suite checks all the boxes for you to relax after a long day at work (jetted tub, anyone?) including space for your own private reading nook. Also notice the spacious walk-in closet and large windows providing tons of natural light. The backyard is an entertainer's dream with a long covered patio, a basketball court, and several established fruit trees. Flood irrigation keeps your yard cool and water bills low. Recent upgrades include new windows (front of home), AC condenser, water heater, and wood-look ceramic tile. With close proximity to excellent schools and the 202 freeway, this home is ideally located and won't last long on the market!

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5015 Buck Springs Road Pinetop, AZ 85935

$699,900

4 Beds

2.5 Baths

2,112 SqFt

Status Active

MLS # 6756291

Property Type Single Family Residence

Price Type --

Here's your dream home crafted with love and precision. This home/cabin in Pinetop Lakes Country Club, within walking distance of the Golf Club House is on a large lot. Slate entry with high ceilings, custom stainedglass window and more. Chefs delight kitchen with granite counter tops, all new appliances including, wine fridge, 8 top gas cooktop and double oven. Main bedroom or mother-in-law suite set up on main floor, with additional main bedroom on second floor. Enjoy the crisp mountain air from front and back porches, landscaped yard, green grass, sugar maple, apple, and pine trees. Firepit and 6 person hot tub makes this a homey retreat.

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2204 W Blaylock Drive Phoenix, AZ 85085

$699,900

4 Beds

2.5 Baths

2,927 SqFt

Status Active

MLS # 6759120

Property Type Single Family Residence

Price Type --

Priced to sell in Valley Vista! This beautiful 4-bed, 2.5-bath with 3 car oversized garage home on a generously sized corner lot in Valley Vista is on the market and priced to sell - below area comps! Tastefully finished with plantation shutters, designer paint, and wood & tile flooring throughout. The spacious living/dining area features soaring ceilings, while the open family room includes surround sound, a media center, projector, and theater screen, perfect for family entertainment! The gourmet kitchen boasts granite countertops, mosaic backsplash, walk-in pantry, and center island. Upstairs, the primary suite offers a spacious bedroom, a spa like bath, including his and her sinks, separate tub/shower, and a walk-in closet. The back yard offers a nicely sized covered patio and a blank canvas with ample space for a pool or whatever you can envision. Let your imagination run wild, the possibilities are endless! The oversized garage offers 2 electric car chargers for ease and efficiency. Conveniently located to lots of dining and shopping options and TSMC. This home is ready and waiting for a new family to make it their own and is the perfect opportunity to get into the Valley Vista below comps!

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10925 E Toluca Avenue Mesa, AZ 85212

$699,900

4 Beds

2.5 Baths

2,715 SqFt

Status Active

MLS # 6771477

Property Type Single Family Residence

Price Type --

This BEAUTIFUL home on a corner lot is OVERFLOWING w/DESIGNER upgrades! FANTASTIC curb appeal w/extended paver driveway, faux grass + front courtyard! Wood plank flooring + new carpet! GOURMET kitchen w/quartz countertops, herringbone patterned tile backsplash, stainless appliance suite + BIG island w/breakfast bar! GRAND 2-story great room w/wall of windows! Dining room + separate office/flex room! PRIVATE owner's suite w/barn door to ensuite bath! Head upstairs to the LARGE open loft/game room, more bedrooms + a full bath! GORGEOUS backyard OASIS w/waterfall swimming pool, pergola, large covered patio + travertine pavers and faux grass! RV gate! So many UPGRADES throughout! Don't miss this GREAT opportunity! Great shopping & restaurants nearby! WELCOME HOME!

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