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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11246 S 219th Lane Buckeye, AZ 85326

$699,000

4 Beds

3 Baths

2,396 SqFt

Status Active

MLS # 6745493

Property Type Single Family Residence

Price Type --

A brand new 4 bed, 3 bath ranch style home, horse property in Buckeye is now for sale! Nestled on an oversized 1 acre lot, this luxurious 2396 sf home features a 2 car side garage. Inside you will find a spacious dining & living area w/elegant wood-look tile flooring, pre-wired surround sound, and neutral palette throughout. The gorgeous kitchen is comprised of white cabinetry w/granite counters, a pantry, pendant lighting, SS appliances, and an island complete w/a breakfast bar. The primary bedroom boasts a walk-in closet and a private ensuite w/dual sinks & a sliding barn door. PLUS! Attached next generation casita w/private entrance and its very own kitchen! (extra income as a rental) Including a backyard covered patio where you watch the beautiful sunsets. High quality craftsmanship.

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30 E County Road N1022 -- Greer, AZ 85927

$699,000

3 Beds

3 Baths

2,440 SqFt

Status Active

MLS # 6762161

Property Type Single Family Residence

Price Type --

A RARE FIND IN GREER! THIS STUNNING CONTEMPORARY 2440 SF CABIN OFFERS A PERFECT BLEND OF COMFORT, LUXURY & A LOCATION FAR FROM THE HUSTLE BUSTLE. EXPANSIVE VIEWS OF THE GREER VALLEY, ESPECIALLY FROM THE WRAP AROUND DECKS WHICH OFFER SPACES TO ENJOY OUR COOL SUMMERS. THE 4 CAR GARAGE IN THE BASEMENT OF THE MAIN HOME IS A RARITY HERE & ALLOWS PLENTY OF STORAGE FOR ALL YOUR TOYS! ALSO INCLUDES A SEPARATE SINGLE 2 STORY GARAGE NOW BEING USED AS A HORSE BARN. A BEAUTIFUL 1.4 ACRE LOT W/ MANY ASPEN, BLUE SPRUCE & JUNIPER THAT DOT THE LOT. STEPPING INSIDE THE EFFICIENT MUDROOM ENTRY, THE CABIN OPENS UP TO THE CUSTOM & GORGEOUS WOOD BEAMS THROUGHOUT BOTH LEVELS. STUNNING BEAMS W/ MANY WINDOWS & DIFERENT LEVELS FOR SPACIOUS LIVING. COME SEE THE COMFORT & FUNCTIONALITY OF THIS RARE GREER CABIN!

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12315 W Parkway Lane Avondale, AZ 85323

$699,000

5 Beds

4.5 Baths

3,261 SqFt

Status Active

MLS # 6767104

Property Type Single Family Residence

Price Type --

Enjoy light open spaces as well as the best in energy efficiency in this well-appointed home. Soak up Arizona weather on your extended covered patio looking out onto your large backyard. Create memories and new recipes in the gourmet kitchen, complete with a GE stainless appliance, that looks out onto the oversized family room and dining room. The kitchen is an organizer's dream with plenty of cabinet space! This home has space in all the right places with the added bonuses of a retreat, upgraded plank tile and carpeting, gorgeous designer accent tile and much more. 2x6 CONSTRUCTION AND EXTENSIVE NEW HOME WARRANTY.

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E Whitethorn Drive Rio Verde, AZ 85263

New

$699,000

4 Beds

3 Baths

2,475 SqFt

Status Active

MLS # 6782252

Property Type Single Family Residence

Price Type --

TO BE BUILT Huge Garage located two blocks directly south of Rio Verde Drive on good road. Beautiful surroundings in every direction! NO HOA! Oversized 1044 Sq. Ft. 4 car garage with double 18 ft. doors. N/S exposure with vistas to the mountains and beyond! Bring your horses, toys & more! Tonto National Forest at end of street! Adjoining parcel available for purchase. Possible seller financing available.

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7308 E Solano Drive Scottsdale, AZ 85250

$699,000

3 Beds

2 Baths

2,457 SqFt

Status Active

MLS # 6725429

Property Type Single Family Residence

Price Type --

Welcome to this inviting three-bedroom, two-bathroom home boasting a 10' ceiling in the great room. Enjoy the large covered patio and inviting swimming pool, accessible from the living room, family room, and primary suite. The backyard features low-maintenance artificial turf, ideal for a lock-and-leave lifestyle. You'll love the updated interior panel doors and mahogany front door. The spacious primary suite offers a huge bathroom with double sinks, a separate tub, and a shower. Conveniently located near Scottsdale and Paradise Valley dining, nightclubs, shopping, arts centers, golf courses, spring training fields, hiking and bike trails, parks, and the upcoming Ritz Carlton Resort, with easy access to Loop 101. This retreat is perfect for entertaining and a wonderful place to call home!

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9728 N 106th Place Unit 154 Scottsdale, AZ 85258

$699,000

2 Beds

2 Baths

1,378 SqFt

Status Active

MLS # 6746115

Property Type Single Family Residence

Price Type --

Come and see this updated home in a very desirable Gated Community Scottsdale location. Great backyard area, access from the master, living room and dining room. Large den separates the two bedrooms. Tile throughout, No Carpet and nicely updated Kitchen and bathrooms. Community Pool and spa, common areas, front yard all maintained by HOA. Scottsdale Senior Center is just across the street. A MUST SEE!!! Minimum rental 30 days.

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7347 E Casitas Del Rio Drive Scottsdale, AZ 85255

$699,000

3 Beds

2.5 Baths

1,956 SqFt

Status Active

MLS # 6752130

Property Type Townhouse

Price Type --

Finally!! Luxury interior unit in the exclusive community of Silverstone. This upscale executive home fees like it should be in Manhattan or LA with upscale finishes, high ceilings and amazing luxury features found in 2 million $ homes. This is one of those that rarely come on the market and you don't have to do anything to it. It's immaculate and clean and the pride of ownership makes it feel like a new home. The entry to the massive living area is stunning. Oversized island kitchen is adjacent to living area and is fit for a chef and seats at least 4 adults. The private patio off the dining area has a South facing exposure for our friends from the snow country. The oversized master suite is luxurious and welcoming with dual sinks, walk in closet and oversized shower, wow!!

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7012 N Via Nueva -- Scottsdale, AZ 85258

$699,000

3 Beds

2 Baths

2,179 SqFt

Status Active

MLS # 6762452

Property Type Single Family Residence

Price Type --

Whether you're dining out, hitting the trails, or heading into town, this home's prime location ensures you're always connected to the best of Scottsdale living! Perfectly situated in the highly desirable McCormick Ranch, this beautifully updated 3-bedroom home offers the ultimate in convenience and lifestyle. Just steps from Scottsdale's best, you'll enjoy quick access to vibrant dining, boutique shopping, and renowned golf courses, all while being moments from the 101 freeway for easy commuting. Inside, the open and bright layout welcomes you with a spacious family room, cozy fireplace, and French doors leading to an oversized, covered patio—perfect for relaxing or entertaining. The modern kitchen, complete with quartz countertops, stainless steel appliances, and a large island, connects effortlessly to both the dining and family rooms, creating a natural flow for gatherings. The primary suite offers dual sinks, a walk-in shower, and elegant quartz finishes. With no neighbors behind, you'll experience both privacy and proximity to everything McCormick Ranch has to offer. Just outside your door, enjoy biking and walking paths, the McCormick Ranch Golf Course, parks, and so much more.

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7114 E Hacienda La Colorada Drive Gold Canyon, AZ 85118

$699,000

4 Beds

2 Baths

2,344 SqFt

Status Active

MLS # 6748476

Property Type Single Family Residence

Price Type --

Stunning & Immaculate 4 Bedroom PLUS Office Home Features Gorgeous Rear Superstition Mountain Views, Private Sparkling Pool, 3 Car Garage & LOTS More! Tile T/O, NO Carpet in Home, Granite & Corian Counters, Upgraded Appliances, Gas Fireplace In Family Room, Upgraded Fans, Fixtures and Hardware T/O, Designer Accent Paint, Custom Window Treatments & The List Goes On! Hard To Find Premium Location - Beautifully Appointed Home!

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4500 W Foxglove Lane Show Low, AZ 85901

$699,000

3 Beds

3 Baths

1,844 SqFt

Status Active

MLS # 6752999

Property Type Single Family Residence

Price Type --

YOUR NEW HOME BUILT ON THIS INCREDIBLE GATED .64 ACRE PINE FILLED LOT! Choose the level that best suits your needs. The Getaway-$699K -1844 sqft/3bd-3bth/2c garage/285sqft covered deck The Retreat- $999K -2255 sqft/3bd-2.5bth/2c garage/692sqft covered deck. The Custom-Let us design the home of your dreams This virtual mountain home listing showcases the potential of building in the cool serene pines of Showlow AZ. Each plan includes excellent standard features with options for upgrades. Located within prestigious gated Torreon* community on a .64-acre lot in a cul-de-sac, surrounded by $1M+ homes. Financing options are available, with estimated build times between 8-12 months from permit approval. *Visit Torreon website for additional community info

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3210 N 108th Lane Avondale, AZ 85392

$699,000

4 Beds

2.5 Baths

2,672 SqFt

Status Active

MLS # 6752175

Property Type Single Family Residence

Price Type --

Discover the perfect blend of luxury and tranquility in this stunning LAKESIDE home + private BOAT DOCK+ HEATED POOL. - NEW FLOORS 2022 + NEWER AC!! Featuring 4 spacious bedrooms and a versatile loft, ample space for relaxation and entertaining. Step out onto the full-length balcony to enjoy breathtaking views of the serene lake and sparkling pool. The OWNERS SUITE is thoughtfully located DOWNSTAIRS. This vibrant lake community offers a wealth of amenities, including walking and activity paths, parks, and frequent community events. The LOW HOA fee, paid semi-annually, covers maintenance of common areas, fountains, and lakes, ensuring a well-kept neighborhood. Conveniently located near major access routes, shopping, dining, schools, and the Westgate Entertainment District... Owner's suite is thoughtfully located on the main floor, providing easy access and privacy. It boasts a luxurious bathroom with a separate shower and a full-size bathtub, perfect for unwinding after a long day. The home is adorned with light oak colored wood-look laminate flooring throughout, enhancing its bright and airy atmosphere. 2 Newer Air Conditioning Units replaced 2020 The gourmet kitchen and bathrooms feature elegant granite countertops, combining style with functionality and SMART HOME devices. The open-concept living area seamlessly connects to a covered patio, creating an ideal space for indoor-outdoor living. Dive into the sparkling pool or take advantage of the home's private dock, where you can enjoy electric boating on the lake. Large 3 Car Garage, Large Corner Lot! Conveniently located near major access routes, shopping, dining, schools, and the Westgate Entertainment District, Park West District, and Phoenix Children's Hospital, this home provides both comfort and convenience. Garden Lakes Elementary and Westview High School. 2 Harkins Theatres, AMC Theatres, Macayo's, Costco, Hobby Lobby, Canes plus a Sprouts is being built nearby! Don't miss your chance to own this lakeside paradise!

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2616 S Extension Road Mesa, AZ 85210

$699,000

4 Beds

2 Baths

2,094 SqFt

Status Active

MLS # 6752935

Property Type Single Family Residence

Price Type --

Welcome to your beautifully updated oasis, with NO HOA! This stunning home boasts a plethora of recent upgrades, including a brand-new HVAC system installed in May 2022, a new water heater in March 2022, and a complete plumbing overhaul with top-of-the-line Kohler and Moen fixtures. Step into luxury with a remodeled master shower featuring Tanner materials and indulge in the modern convenience of new interior doors throughout. Enjoy the ambiance of new light fixtures, adding elegance to the coffee nook, kitchen island, and bathrooms. The backyard is a paradise with newly installed turf, drip irrigation, and vibrant plants offering privacy and tranquility. Retreat to the pool area, where a NEW heated saltwater pool awaits, complete with a corner table, waterfall, Baja step, and multicolor lights. With interior accent walls, matte black cabinet handles, and a suite of brand-new LG appliances, this home is as stylish as it is functional. Don't miss the chance to make this your dream home - Easy access to Mesa CC, shopping & 60 fwy! 15 minutes from PHX airport and a quick drive from Tempe/ASU!

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