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.

Click Here to See What Your Home is Worth

Listing types.

For Sale

For Rent

Land

Multifamily

Commercial

Location Search Nearby

BedsAny1+2+3+4+5+6+

BathsAny1+2+3+4+5+6+

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Property TypeAnyApartmentManufactured HomeSingle Family ResidenceTownhouseTwin Home

School District

Address, MLS# or Keyword

Home SizeAny600 ft2800 ft21,000 ft21,200 ft21,400 ft21,600 ft21,800 ft22,000 ft22,200 ft22,400 ft22,600 ft22,800 ft23,000 ft23,500 ft24,000 ft24,500 ft25,000 ft25,500 ft26,000 ft2

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Distressed

Open House

Location Search Nearby

BedsAny1+2+3+4+5+6+

BathsAny1+2+3+4+5+6+

Price MinAny$500$600$700$800$900$1,000$1,100$1,200$1,300$1,500$1,600$1,700$1,800$1,900$2,000$2,250$2,500$2,750$3,000$3,250$3,500$3,750$4,000$4,500$5,000$5,500$6,000$6,500$7,000$7,500$8,000$8,500$9,000$9,500$10,000

Price MaxAny$500$600$700$800$900$1,000$1,100$1,200$1,300$1,500$1,600$1,700$1,800$1,900$2,000$2,250$2,500$2,750$3,000$3,250$3,500$3,750$4,000$4,500$5,000$5,500$6,000$6,500$7,000$7,500$8,000$8,500$9,000$9,500$10,000

Advanced Options

Property TypeAnyApartmentManufactured HomeSingle Family ResidenceTownhouseTwin Home

School District

Address, MLS# or Keyword

Home SizeAny600 ft2800 ft21,000 ft21,200 ft21,400 ft21,600 ft21,800 ft22,000 ft22,200 ft22,400 ft22,600 ft22,800 ft23,000 ft23,500 ft24,000 ft24,500 ft25,000 ft25,500 ft26,000 ft2

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Location Search Nearby

Lot SizeAny1+ Acres2+ Acres3+ Acres4+ Acres5+ Acres6+ Acres7+ Acres8+ Acres9+ Acres10+ Acres20+ Acres30+ Acres40+ Acres50+ Acres

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Neighborhood

Address, MLS# or Keyword

Location Search Nearby

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

School District

Address, MLS# or Keyword

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Location Search Nearby

Lot SizeAny1+ Acres2+ Acres3+ Acres4+ Acres5+ Acres6+ Acres7+ Acres8+ Acres9+ Acres10+ Acres20+ Acres30+ Acres40+ Acres50+ Acres

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Address, MLS# or Keyword

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

View As: Thumbnails List

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

10229 N 177th Drive Waddell, AZ 85355

Open House

$699,990

4 Beds

2.5 Baths

3,010 SqFt

Status Active

MLS # 6779823

Property Type Single Family Residence

Price Type --

This NEW Construction home is on an oversized premium lot! This 4 bedrooms, 2.5 bathroom, and 3 car garage home is estimated to close march/april 2025! Our Sedona features an open concept with beautiful natural light, a modern neutral color palette, offering two-tone 42'' shaker cabinetry, upgraded quartz counter tops, a large gourmet kitchen , and 9' ceilings throughout. You'll love our smart home features, as well as dual pane low-E windows, Ceiling fan pre-wires, under cabinet lighting in the kitchen, and window coverings. The exterior features front yard desert landscaping, a covered patio and private backyard. Located off the 303, this community is near shopping/schools. ***Photos are not actual home features colors and options may vary.

View Property

1051 E Frost Drive Tempe, AZ 85282

Open House

New

$699,990

4 Beds

2 Baths

1,992 SqFt

Status Active

MLS # 6782526

Property Type Single Family Residence

Price Type --

This fully remodeled home in the heart of Tempe has it all! Inside you will find two separate living spaces. One living room features a beautiful glass slider that looks out to the oversized swimming pool and mature vegetation. You can swim laps or just lounge around in this incredible pool! Inside you will find that the bedrooms are good size and the master bedroom is split away from the other 3 bedrooms. This gorgeous home has been remodeled from the bottom up and also has an AC unit that is only 4 years old! The home is flawless and the location is even better! This home is right off of the US60 which will give you access to all parts of the valley! Do not miss out on your chance to own this incredible home in prime location!

View Property

5332 W Taro Lane Glendale, AZ 85308

$699,977

5 Beds

3 Baths

2,398 SqFt

Status Active

MLS # 6763205

Property Type Single Family Residence

Price Type --

WOW Countless UPGRADES and no HOA. This fully remodeled 5-bedroom, 3-bathroom home offers an impressive amount of features and move-in-ready home. Upon entering, you're greeted by high soaring vaulted ceilings that add an open and airy feel to the space. Freshly painted, the home has new flooring throughout, contributing to its fresh, clean aesthetic. The kitchen features newer stainless steel appliances and quartz countertops. The layout includes a formal dining room, a separate living room, and a family room, providing plenty of space for relaxation or entertainment. A versatile loft area also adds extra living space, while the fireplace in the family room brings warmth and charm. Four spacious bedrooms are located upstairs, including a massive master bedroom with vaulted ceiling Four spacious bedrooms are located upstairs, including a massive master bedroom with vaulted ceilings. The master bathroom is equally large, featuring dual sinks, a separate tub and shower, and a generous walk-in closet. The fifth bedroom downstairs would make a perfect office, den, or crafts roomits location provides privacy and convenience. The backyard is a true outdoor retreat. It features a diving pool surrounded by an expansive cool deck, perfect for lounging or entertaining. The built-in BBQ, create an ideal space for hosting outdoor gatherings. The covered patio adds shade and comfort for relaxing in the north/south-exposed backyard. The property faces a natural wash with a scenic walking and biking path, offering peace and tranquility. Best of all, this gem of a home comes with no HOA, giving you even more freedom to enjoy your space! Must see!!

View Property

22931 E Mayberry Road Queen Creek, AZ 85142

$699,953

4 Beds

3 Baths

2,407 SqFt

Status Active

MLS # 6629333

Property Type Single Family Residence

Price Type --

You'll love this very charming ''Acacia'' plan. . The home includes a Gourmet Kitchen w/ SS Chimney Hood, Beautifully upgraded 42'' cabinets, Granite C-top & Tile backsplash,, Tankless Water Heater, Service Garage Door , Atrium Door to patio, ''16 SEER RATING FOR ''AC'' ENERGY STAR HOME ! BARNEY FARMS the newest Premiere Master Planned Community in Queen Creek, w/ RESORT like atmosphere, LAKE COMMUNITY w/ an large Amenity Center, fountains , 2 large Community Pools, Aquatic Center, Pickle Ball, Bocce Ball, Corn Hole, Sand Volleyball, full court basketball , fishing ''catch and release'' kayaking, canoeing, walking trails thru-out. Barney Farms also has KMB K-6 School in the community. A MUST SEE !!

View Property

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.

View Property

17983 N Painted Spurge Court Surprise, AZ 85374

$699,950

3 Beds

3 Baths

2,074 SqFt

Status Active

MLS # 6777168

Property Type Single Family Residence

Price Type --

What a stunning property! This Surprise Grand home with a main house and a separate casita sounds like the perfect blend of elegance and functionality. The premium cul-de-sac location on the golf course's 2nd fairway is a dream for those who love a scenic, active lifestyle and love to relax in the hot tub. With a chef's kitchen, warm and inviting great room with fireplace and luxurious finishes throughout, it's clear this home has been thoughtfully remodeled. The layout, including the den with a built-in office and bookcase, seems ideal for someone looking for both relaxation and space to work from home. Also including a detached guest house and a charming backyard w/a covered patio, artificial turf, and a refreshing hot tub, this home is a dream come true! Act now before it's gone!

View Property

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!

View Property

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.

View Property

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!

View Property

11106 S 52nd Lane Laveen, AZ 85339

Open House

$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

View Property

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.

View Property

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

View Property