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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7137 E Rancho Vista Drive Unit 2010 Scottsdale, AZ 85251

$699,900

2 Beds

2 Baths

1,260 SqFt

Status Active

MLS # 6760772

Property Type Apartment

Price Type --

Welcome to this fantastic Optima Camelview 2 bedroom 2 bath with a study / formal dining Room. This is one of the most popular floor plans in Optima Camelview with a cool twist, the master bedroom is semi-open to the great room for a unique loft like feel. This can be closed in to create a fully private bedroom if desired. It was designed by the original owner who is an architect. This condo has plenty of storage. Shark kitchen cabinetry and stainless steel appliances. The study is a great place for a home office or a formal dining room. Travertine flooring, granite counters, full size washer/dryer. Spacious private terrace with nice community views. The open concept mast can easily be converted back to a fully private space. Must see. All found within the luxurious Optima Camelview Village, with it's unbeatable location & state of the art architecture/amenities. Amenities include: Two Outdoor Zen Pools, Spas & Bbqs One on each side of the community (heated year round). 24,000 sq. ft. Fitness Center (Recently Remodeled). Mens & Womens Locker Rooms w/ Steam Rooms, Showers and Private Lockers. Indoor Lap Pool & 2 Spas (Heated year round), On-site concierge, Putting green, Hybrid Basketball / Pickle-ball Court, Racquet ball court, On-site restaurant (metropolis), conference room, 24/7 Security, Reservable party room and multi-purpose fitness/yoga room.

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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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427 W Liberty Lane Gilbert, AZ 85233

$699,900

4 Beds

3 Baths

2,836 SqFt

Status Active

MLS # 6768586

Property Type Single Family Residence

Price Type --

Welcome to this stunning tri-level home, perfectly situated in a prime, close-in location near shopping and amenities! With 4 spacious bedrooms and 3 baths, this inviting home offers plenty of room for everyone. The dramatic entry leads you to a formal living room and cozy family room, ideal for gatherings. The smart floorplan includes a bedroom and bath on the first floor, along with a large laundry room and game/craft for extra living space. Upstairs, the second level boasts 3 additional bedrooms, including a spacious master suite with a master bath. Step outside to your backyard oasis, complete with a newly resurfaced pool, built-in BBQ, and a covered patio—perfect for entertaining! There's also an RV gate with extra custom slab parking for your boat, jet skis, ATVs, or other toys. With a 3-car garage, a quarter acre and a fantastic location, this home truly has it all! Don't miss your chance to make it yours!

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1806 E La Jolla Drive Tempe, AZ 85282

$699,900

4 Beds

3 Baths

2,624 SqFt

Status Active

MLS # 6770770

Property Type Single Family Residence

Price Type --

Welcome to 1806 E La Jolla Dr where you'll find class and comfort wrapped up into this spacious 2,624 sq ft single story fully remodeled home located in the heart of everything Tempe. Entering you'll find a foyer to greet your guests and provide privacy from your main living quarters. The oversized front living room with a huge picture window can be turned into a den, office, game-room etc. You'll then be lead into the gorgeous oversized dining room. The size of this room also gives you so much leeway to create the most amazing built in buffet with extra storage or drink station etc so many possibilities. Let's head into the great-room where you'll be happy to find gorgeous quartz countertops, new shaker cabinets, backsplash and matching LG appliances. Another feature you'll find is the wood burning fire place that will create the coziest setting for those cooler winter months or rainy days snuggling on the couch. Now let's talk bedrooms, not too often do you find two true primary suits. This is one of the best features of this house. You'll have so much flexibility for your ever changing lifestyle needs. Each primary room has an en suite and one has a brand new slider that leads to the backyard. The two other bedrooms are large in scale as well and provide ample space for any age. There is a third full bathroom in this house as well which is not that common in this area and provides so much convenience. Roughly 70 LED can lights were added during the remodel to provide that light, bright and airy feeling we are all searching for. All new light switches with dimmers, New AC installed in 2023 and new underlayment in 2019, new water heater installed in 2024 so all your major mechanical components are taken care of. This is a must see home with so much attention to detail.

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3359 E Desert Cove Avenue Phoenix, AZ 85028

$699,900

4 Beds

2 Baths

2,179 SqFt

Status Active

MLS # 6769452

Property Type Single Family Residence

Price Type --

Incredible Corner Lot Almost 1/4 Acre at 10,170 Sqft per the Assessor! Wonderful 4 Bedroom 2 Bathroom home with awesome floor plan. Wood Burning Fireplace in Family Room which opens to Kitchen. Big Master Bathroom with tons of Room. Pool and Covered Patio in the Lush Beautiful Big Backyard with Fruit Tree and Grass. Big Storage shed on the side. Priced at a Great Value to do all your updating needs. Dead End Street and very private.

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7508 E Beatrice Street Scottsdale, AZ 85257

$699,900

3 Beds

2 Baths

1,584 SqFt

Status Active

MLS # 6772226

Property Type Single Family Residence

Price Type --

Live the Dream in the Heart of Old Town! This stunning 3-bedroom, 2-bathroom desert oasis in a quiet cul-de-sac location is the perfect blend of modern luxury and Scottsdale charm. Completely remodeled from top to bottom, this home boasts an open floorplan ideal for entertaining and easy living. Step inside and be greeted by: A gorgeous chef's kitchen featuring custom two-tone green/white thin shaker cabinets, quartz countertops, a dimensional tile backsplash, and SS appliances -High ceilings with recessed lighting throughout for a bright and airy feel -A spacious bonus room perfect for a home office, game room, or media room -Master bathroom with a luxurious walk-in shower featuring all-new fixtures. No detail has been overlook: Brand new flooring, baseboard, doors, and paint throughout

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6520 N 130th Lane Glendale, AZ 85307

$699,900

4 Beds

2 Baths

2,469 SqFt

Status Active

MLS # 6774129

Property Type Single Family Residence

Price Type --

Do you need somewhere to park the toys? This semi-custom car lovers dream home is in a beautiful friendly gated neighborhood on a 18k sf lot! New roof with a warranty and newer AC units, 4 car garage with a lift, motorized RV GATE. WOW! This 4bed/Den 2 bath home does not disappoint! Gorgeous 20x20 tile throughout, granite counter tops in the kitchen and bathrooms, SS appliances and a large pantry. The kitchen opens up to a beautiful great room that looks out into your massive backyard. As you walk in the grand front door you will notice the beautiful dining room to your right with coffered ceilings and the comfy Den to the left. Make sure to check out the master suite which boasts a stunning master bathroom with a separate tub and tiled shower, double sinks and a spacious walk in closet. The backyard is massive! It has a custom basketball court with lighting, professionally landscaped and plenty of room to park the toys. Don't miss the spacious back patio too!! This home has been freshly painted inside and out, the roof was just redone. FREE PAID FOR SOLAR, AC units replaced 2019. Oh and the inviting front Courtyard too so you can enjoy that morning coffee! We can't forget this 4 car garage with a lift and insulated modified high bay garage doors! It has jack shaft drives as well. All set up for the car enthusiast!! This home has it all. So many things to list! Come see it today!!

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1817 N 77th Street Scottsdale, AZ 85257

$699,900

4 Beds

3 Baths

2,756 SqFt

Status Active

MLS # 6775660

Property Type Townhouse

Price Type --

Are you looking for a spacious home with an unbeatable location? Master Bedroom and Bathroom downstairs, This Scottsdale home features four bedrooms (including two master suites), and three baths. The kitchen has an attached breakfast room, spacious living areas upstairs and downstairs as well as a balcony with views of Camelback Mountain. Ceiling fans and tile throughout, with ample storage and a private backyard ready for entertaining. Minutes from Old Town Scottsdale, walking distance to bars and restaurants and easy access to the 101 and 202 freeways, Sky Harbor and ASU, make this a highly desirable neighborhood. Step outside your front door and view El Dorado Park with miles of walking and biking paths, picturesque water features, playgrounds, a skate park and a disc golf course.

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