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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705 W Carob Place Chandler, AZ 85248

$699,900

5 Beds

3.5 Baths

2,992 SqFt

Status Active Under Contract

MLS # 6740758

Property Type Single Family Residence

Price Type --

Welcome to your dream home in the prestigious Fox Crossing lake community! This stunning 5-bedroom, 3.5-bath residence offers an open floor plan perfect for modern living. Primary bedroom and bath has a giant walk-in closet and is located on the first floor. The large upstairs loft would be perfect for a teen area or relaxation space. Jack-n-Jill bathrooms in the secondary bedrooms offer maximum versatility. The spacious eat-in kitchen flows seamlessly into a large living room, ideal for entertaining. The resort-style backyard is a true oasis, featuring a sparkling pool, lush grass area, and ample space for outdoor activities. With a 3-car garage, you'll have plenty of room for vehicles and storage. Enjoy the convenience of being within walking distance to a beautiful greenbelt and park. This home combines luxury, comfort, and an unbeatable location. Don't miss out

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26203 S Flame Tree Drive Sun Lakes, AZ 85248

$699,900

2 Beds

2.5 Baths

2,862 SqFt

Status Active Under Contract

MLS # 6718489

Property Type Single Family Residence

Price Type --

Beautifully-Remodeled, Move in Ready Home. *** Seller offering 3.5% concessions to buyer at closing with accepted offer.*** Very Active, Gated, Golf Course Neighborhood. Home boasts Solar Panels, 3-Car Garage and Backs to a walking path. All New Flooring, Cabinetry, Countertops, Lighting, Fans, Paint, Kitchen Appliances and Hardware. Large Office, NO Interior steps and double closets in Primary Bedroom. Updated Primary suite features New Handicap Accessible Curbless Shower and Stand alone soaking tub. Home is move in ready and truly better than new! New Turf and Landscaping. Sun Lakes is a gated community with amenities including golf, tennis, pickleball, pools, countless clubs and two excellent restaurants!

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4150 E Rancho Tierra Drive Cave Creek, AZ 85331

$699,900

4 Beds

2 Baths

2,284 SqFt

Status Active Under Contract

MLS # 6763660

Property Type Single Family Residence

Price Type --

Beautiful home in the heart of Tatum Ranch with vaulted ceilings throughout and a spacious open floor plan. A huge premium corner lot with over 12,500 SF, very private and quiet. Gorgeous kitchen w/ custom cabinets, granite countertops & SS Appliances. All windows throughout home recently replaced w/ dual pane energy efficient & a transferable lifetime warranty. Huge private backyard with plenty of space to enjoy the quintessential desert lifestyle in Cave Creek. Entire interior home recently repainted along with all carpet replaced. New primary closet built out, electrical panel replaced in 2023 & water heater replaced in 2024. Property has been very meticulously maintained!

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52108 N 461st. Avenue Wickenburg, AZ 85390

Open House

$699,900

2 Beds

1 Bath

1,200 SqFt

Status Active

MLS # 6763978

Property Type Apartment

Price Type --

Income-Producing Horse Training Facility in the perfect location! This ag-exempt property offers everything needed for successful equine living. It includes a barn, arena, and cattle pens, ideal for boarding, or livestock management. The facility boasts multiple stalls, a wash rack, tack room, and a round pen for all your horse-related needs. Live comfortably in the 2 bed, 1 bath w/ walk in shower home. Giving you inside laundry, laminate floors, butcher block & laminate counter tops. Added conveniences are 3 full RV hookups. There is a 1 and 1 Casita with laundry. A private well for the entire property. This fully equipped facility is ready to support your equestrian dreams. Your Arizona Horse Ranch awaits you! See docs tab for list of all the great things this property offers.

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9379 E Windrose Drive Scottsdale, AZ 85260

Open House

$699,900

3 Beds

2 Baths

2,112 SqFt

Status Active

MLS # 6774485

Property Type Single Family Residence

Price Type --

Welcome to this delightful 3-bedroom + 2 office/casitas and 2-bathroom single-story home nestled on a tranquil cul-de-sac lot. Boasting 2112 square feet of meticulously designed living space which includes 2 bonus rooms, this property offers an ideal blend of comfort, convenience, and elegance. Upon entering, you'll be greeted by an inviting open floor plan that seamlessly connects the living, dining, and kitchen areas, perfect for both relaxing and entertaining. The well-appointed kitchen features modern appliances, ample counter space, and a breakfast bar, making meal preparation a joy. The primary bedroom suite is a private retreat, complete with an en-suite bathroom and generous closet space. Two additional bedrooms provide...

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6083 W Abraham Lane Glendale, AZ 85308

Open House

$699,900

4 Beds

3 Baths

2,676 SqFt

Status Active

MLS # 6742530

Property Type Single Family Residence

Price Type --

Gorgeous Lakefront Property that feels like your own private oasis! This stunning home features an enormous back yard with new grass turf, private pool and spa (New Motor and New Pump), surrounded by various Palms and a canopy of large Ficus Trees, backing directly to the lake!! The interior of the property features brand new carpeting, new interior paint, new light fixtures and new fans in each room, and a newly painted front door and cabinets. Plenty of living space in this gorgeous lakefront home. Upon entering, you are greeted with a large family room w/ formal dining area. The 2nd family room connects to the kitchen with a patio door giving access to the beautiful backyard. Kitchen includes granite counter tops, newly painted cabinets, island, separate pantry and gas range. The 2nd level features another living space/game room, along with 3 bedrooms. Large master bedroom with vaulted ceilings, garden tub, separate shower, double vanity and oversized walk-in closet.

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8487 W Washington Street Peoria, AZ 85345

$699,888

4 Beds

2 Baths

1,832 SqFt

Status Active

MLS # 6733259

Property Type Single Family Residence

Price Type --

Prime Mixed-Use Property in Downtown Peoria! Discover this modern 2017 custom-built home perfect for both living and business! Located in the heart of downtown Peoria, this 1,832 sqft property offers residential comfort and commercial potential. The open floor plan features granite kitchen countertops, an island, white cabinetry, and stainless steel appliances. Enjoy ceramic tile flooring, neutral paint, and dual-pane windows with sunscreens. The master suite includes a walk-in closet and tiled shower. With four large bedrooms, two with built-in desks, and an entertainer's backyard complete with a gazebo and pavers, this home is designed for comfort and style. Additional features 2-car garage with epoxy flooring, an in-ground safe, and a surveillance system. Business-ready

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25555 N Windy Walk Drive Unit 57 Scottsdale, AZ 85255

$699,847

2 Beds

2 Baths

1,337 SqFt

Status Active

MLS # 6762081

Property Type Townhouse

Price Type --

Welcome to this stunning home in the exclusive guard-gated community of Skye Top at Troon Village. Completely gutted and remodeled in 2017, this single-level, end-unit property is being sold turn-key and fully furnished. It features 2 bedrooms and 2 baths with no interior steps. Enjoy up-close views of Troon Mountain from the private covered patio and take advantage of the short walking distance to Troon Country Club. The Skye Top community also offers a pool, spa and clubhouse for your relaxation. The home is well-maintained, with an HVAC system that is only five years old and a roof coating that was applied three years ago. Inside, the light and bright tile floors and vaulted ceilings create an open and inviting atmosphere. The kitchen is equipped with stainless steel appliances, wood cabinetry, quartz counters, and countertop seating, all open to the family and dining areas. The family room features view windows and a cozy fireplace. The large primary suite includes clerestory windows, a walk-in closet with custom storage built-ins, dual sinks, vanity seating, a soaking tub, and a large walk-in shower. The guest hall bathroom is conveniently located across from the guest bedroom. Additional features include an interior laundry room and an attached two-car garage.

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3314 Lodgepole Drive Overgaard, AZ 85933

$699,777

3 Beds

2 Baths

2,200 SqFt

Status Active Under Contract

MLS # 6764930

Property Type Single Family Residence

Price Type --

Nestled among towering pines, this stunning house of windows offers spectacular views in a private, secluded setting on 1.25 acres. With 3 bdrms & 2 baths, this home features two master suites, one on each level. The third bedroom, accessible thru upstairs master huge walk-thru closet, functions as an office, nursery, or craft room. Inside, enjoy a loft accented by beautiful peel pole log railing, vaulted T&G ceiling, & stone-faced floor to ceiling fireplace. The property showcases knotty oak cabinets & stain-grade interior doors & trim, while the outdoor space is designed for entertaining, featuring 10-foot wrap-around Trex deck on two sides of property, an outdoor kitchen w/refrigerator, sink, & BBQ, as well as a paver patio seating area. Relax in the hot tub, swing on the deck or enjoy fun games like putt-putt golf & bocce ball. The property also includes an 8x10 greenhouse, a gardening shed w/sink, & a 12x30 insulated shed w/metal roof. Additional features include an attached oversized two-car garage w/pellet stove, a fenced yard, & a stunning remote-operated security gate. With over 10 fruit trees & a landscaped backyard adorned w/honeysuckle vines & flowers, this low-maintenance home is a rare gemonly a few hundred yards of privately maintained gravel road, located at the end of a paved subdivision w/no HOA & horses allowed! Must See!

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9219 W Bent Tree Drive Peoria, AZ 85383

$699,750

4 Beds

2 Baths

2,219 SqFt

Status Active

MLS # 6748387

Property Type Single Family Residence

Price Type --

Better than a new build - enjoy your own private pool and spa! This exceptional pool home, meticulously remodeled to near-new condition, is a must-see. The owners spared no expense, and it shows in every detail. The list of upgrades are endless with OWNED Solar panels and a Private pool. Stunning kitchen with granite countertops, pull-out drawers, and a spacious island with ample storage. Tile flooring that mimics the look of wood throughout (no carpet!). Both bathrooms have been completely updated with high-end finishes. Tankless water heater, and a newer roof underlayment, NEW top of the line AC unit, plus window shutters, too!! The garage comes with a 4-foot extension and an EV charger outlet. Step outside to a private pool area with pavers, a gas stub for BBQs, and a beautifully landscaped yard featuring citrus trees, pomegranate, peach trees, and a garden area already set up for the gifted gardeners! Can't forget the surround sounds inside and outside. The list goes on!

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20073 S 231st Place Queen Creek, AZ 85142

$699,707

6 Beds

4 Baths

2,809 SqFt

Status Active

MLS # 6576659

Property Type Single Family Residence

Price Type --

BRIGHT GREAT ROOM LOFT PLAN WITH MASTER DOWN, 6-BEDROOM, BEAUTIFUL FINISHES! SPA SHOWER IN MASTER, WHITE SHAKER CABINETS, QUARTZ KITCHEN TOPS W/ TILE BACKSPLASH,, GOURMET KITCHEN LAYOUT, UPGRADED CABINETS, UPGRADED VANITIES IN BATHS,, LVP FLOORING EVERYWHERE, EXCEPT BEDROOMS AND LOFT. ALL THIS, IN THE NEW PREMIER MASTER PLAN COMMUNITY, IN QUEEN CREEK, FEATURING A 22 ACRE LAKE. THIS IS THE CENTERPIECE OF THE COMMUNITY. KAYAKING AND CANOEING, AQUATIC CENTER WITH LAP AND SPORT POOL SPLASH PAD, BOCCE BALL, PICKLE BALL, BOARDWALKS AND RAMADAS THROUGHOUT AND MUCH MORE.. THE HOME INCULDES 2'' FAUX WOOD BLINDS, CEILING FANS, TANKLESS WATER HEATER+++ KATHERINE MECHAM BARNEY SCHOOL IN THE COMMUNITY.

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519 E El Camino Drive Phoenix, AZ 85020

$699,600

3 Beds

2 Baths

1,964 SqFt

Status Active

MLS # 6754369

Property Type Single Family Residence

Price Type --

Fully upgraded gorgeous home with lots of amenities to enjoy and fully owned solar system. New flooring, countertops, new baseboard, new fixtures, new showers and tub and vanity, new stucco, fresh paint inside and out, and a lot more to discover. 3 bed 2 bath with one car garage and den. Huge covered patio and pool with green areas for kids to play. All furniture can be sold separately.

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