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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4287 E Clifton Avenue Gilbert, AZ 85295

$699,000

4 Beds

3.5 Baths

2,546 SqFt

Status Active

MLS # 6782012

Property Type Single Family Residence

Price Type --

WOW!!! This is a SHOWSTOPPER in the highly sought after zip code 85295! Nicely upgraded and designed, this family home is ready for its new owner! Clifton will check ALL the right boxes, 4 bedroom, 3.5 baths, bright and airy, upgraded tile flooring, linear electric fireplace, tasteful finishes/fixtures throughout! Entertaining will be a breeze with this OPEN floor plan .The large sliding glass door leads to the low maintenance backyard . The kitchen has everything you want and need including all Bertazzoni appliances, gas stove, granite countertops & ceramic subway tile backsplash. The primary bedroom has tray ceilings & spa-like bathroom with upgraded tile. The community pool & playground is a bonus! Create precious memories in this beautiful FULTON home! YOU will LOVE this HOME!

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8906 E Hercules Court Sun Lakes, AZ 85248

$699,000

3 Beds

2 Baths

2,467 SqFt

Status Active

MLS # 6764425

Property Type Single Family Residence

Price Type --

ENERGY EFFICIENT Expanded Palmera, 3bed/2bath home w/ OWNED American Solar Energy System, BLOCK CONSTRUCTION, 2020 ROOF, 2020 AC & Silver Level PEARL Certified AC/Insulation System w/ climate control zoning for all 3 bedrooms. GREAT SPLIT BEDROOM LAYOUT w/ EXTRA LARGE BEDROOMS. Entertaining made easy in the SPACIOUS KITCHEN w/ large ISLAND, extra counter space & informal Dining Area. Beautifully landscaped backyard features PRIVATE SALT WATER POOL w/ plenty of space for lounging, dining and cooking! Find tons of storage in the large kitchen pantry, Laundry Room, Ceiling Racks/Cabinets in Garage. Come see this home today & check out the vibrant community of Sun Lakes w/ amenities like: golf, tennis, pickleball, pools/spas, fitness center & restaurants!

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1929 E Coolidge Street Phoenix, AZ 85016

$699,000

3 Beds

2 Baths

1,925 SqFt

Status Active

MLS # 6766717

Property Type Single Family Residence

Price Type --

Charming ranch-style, move-in ready home in the heart of Phoenix, perfectly situated within walking distance to great retail like Whole Foods, restaurants like The Macintosh, The Biltmore, & located in the award-winning Madison School District! This darling 3-bedroom home features a versatile flex room ideal for an office, playroom, or extra living space. The updated bathrooms & freshly painted interior create a bright, welcoming atmosphere throughout. The spacious primary en-suite bath is a rare find in homes built in this era. Complete with a detached garage that could be a workshop, this home provides both convenience and character, making it an ideal choice for easy living in an unbeatable location. Homes in this subdivision do not come on the market often. Come check it out today!

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20602 W Elliot Road Buckeye, AZ 85326

$699,000

4 Beds

3 Baths

2,368 SqFt

Status Active

MLS # 6767373

Property Type Single Family Residence

Price Type --

THE COMPLETION OF THIS HOME IS EXPECTED to be complete at the end of November 2024. PHOTOS ARE FROM PRIOR HOME This brand new house of 4 bedrooms , 3 bathrooms , 10+ foot ceiling is on one acre lot ,AC units are upgraded to Trans Units, 2x6 construction, and very close to School, shopping center , Highway I-10, Goodyear Airport and very close to the proposed Goodyear's master planned community of Estrella , it has lots of potential.

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1413 W Commerce Avenue Gilbert, AZ 85233

$699,000

4 Beds

3 Baths

2,680 SqFt

Status Active

MLS # 6768302

Property Type Single Family Residence

Price Type --

Welcome to Playa Del Rey! Gilberts Custom Ski-Lake community, bring your wake boards, jet skis and kayaks and teach your family to water ski. There is a 9-hole putt-putt at the entrance. This gated single-story home is situated one street away from the boat ramp. Some of the features in the semi-custom home include, 4 bedrooms, 3 bathrooms, dual pane low E windows and shutters, beautiful hardwood flooring in the living room, Bay windows, All natural gas appliances, fireplace and furnace. 3 car garage and RV gate. Located right in the HEART of Gilbert with quick access to the 60 freeway for easy commuting, Bike 2 miles down canal to all the restaurants of downtown Gilbert.

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4679 Big Pine Drive Pinetop-lakeside, AZ 85929

$699,000

4 Beds

2.5 Baths

2,768 SqFt

Status Active

MLS # 6769362

Property Type Single Family Residence

Price Type --

Rustic and charming home located in the crisp air of the White Mountains. Your exclusive mountain getaway, with no HOA restrictions, is calling your name! Lakeside is a great community located within 30 minutes to Sunrise Ski Resort and close to Rainbow Lake for outdoor activities year round. Sip your morning coffee on the screened in patio or enjoy the front yard on your massive covered porch. This home has been recently updated with modern finishes while maintaining a rustic charm. Multiple living/entertaining spaces make this home ideal for large family gatherings or simply your day to day life.

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17691 N 54th Avenue Glendale, AZ 85308

$699,000

5 Beds

3 Baths

3,713 SqFt

Status Active

MLS # 6770211

Property Type Single Family Residence

Price Type --

Gorgeous Glendale home* great curb appeal* 2 levels* 3713 sq ft* 5 bedrooms* 3 bathrooms* huge upstairs bonus room* solar panels that seller paid $32K* granite kitchen countertops* all black kitchen appliances* gas stove* beautiful walk out balcony in front of home* all bedrooms very large* beautiful glass and tile master shower* lots of built in cabinets in bonus room* nice outdoor sink on covered patio* full length back patio* custom pavers throughout backyard* storage shed in back* RV gate on side with concrete slab walkway* lots of custom built in cabinet and workbench in garage* insulated garage* door* water filtration system in garage* close to the new Children's Hospital^ Arrowhead Mall* restaurants* schools* golf* parks* and much more* top rated Deer Valley Schools* great location* fantastic home!!

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11011 E Minnesota Avenue Sun Lakes, AZ 85248

$699,000

2 Beds

2 Baths

2,023 SqFt

Status Active

MLS # 6774080

Property Type Single Family Residence

Price Type --

Premium golf course lot w/ stunning views in a guarded & gated community. Highly desirable open floor plan that features 2 bed 2 bath w/ an office. Vaulted ceilings. Extended 2.5 car garage. Kitchen is open to the family room & includes premium alder cabinets, granite counters, & stainless steel appliances. Skylights provide natural lighting throughout. Tile in all of the traffic areas. Over-sized primary suite features a sitting area w/golf course views & custom walk-in closet. The primary bathroom has dual sinks, large shower & separate water closet w/bidet. Neighborhood amenities include golf, tennis, pickle ball, pools, NEW fitness center, clubs, social activities restaurants & more.

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8826 E Cortez Street Scottsdale, AZ 85260

$699,000

4 Beds

2 Baths

1,802 SqFt

Status Active

MLS # 6774187

Property Type Single Family Residence

Price Type --

Fantastic home in a great Scottsdale location! Its charm starts with a 2-car garage, stone accent details, & low maintenance landscape. Home exudes sophistication with vaulted ceilings, abundant natural light, designer paint, and tasteful flooring - carpet & wood-look. Discover a spacious living & dining room combo and a separate family room w/fireplace! The kitchen boasts built-in appliances, granite counters, recessed lighting, ample wood cabinetry, and a breakfast bar. The double-door main bedroom has a walk-in closet & a private bathroom. One bedroom can be an office as well. Moving outdoors, tranquility awaits in the large backyard! It features a covered patio, extended pavers, grassy area, fruit trees, and a fenced area that can be a dog run. Easy 101 Fwy access! GREAT HOME!

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2858 E Shannon Street Gilbert, AZ 85295

$699,000

4 Beds

3.5 Baths

3,308 SqFt

Status Active

MLS # 6777166

Property Type Single Family Residence

Price Type --

This immaculate 4-bedroom home is impressive! The welcoming porch is perfect for enjoying your morning coffee. A stunning interior offers plantation shutters, tile and carpet flooring, custom paint, and gorgeous light fixtures. Enjoy entertaining in the formal dining room, spacious den, or cozy family room with a stone-accent wall & fireplace! The chef's kitchen offers stainless appliances, granite counters & backsplash, walk-in pantry, an island w/breakfast bar, and oak cabinets. Upstairs, you will find two primary bedrooms and a huge loft. The owner's suite features a bathroom with a separate tub/shower, dual sinks, & a spacious walk-in closet with two entries. The second main bedroom has a walk-in closet & a private bath. The serene backyard offers a covered patio, grilling station & tranquil pool. The massive 4-car tandem garage features built-in cabinets for extra storage! This move-in-ready gem is for you!

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433 Perry Street Prescott, AZ 86303

$699,000

4 Beds

3 Baths

2,842 SqFt

Status Active

MLS # 6775022

Property Type Single Family Residence

Price Type --

Vintage charm with modern upgrades blend beautifully in this solid 1959 home a short 10 minute walk to shops, restaurants, bars and special events on Courthouse Square in historic downtown Prescott. Main level features open concept living and dining with cool modern lighting, fresh white kitchen with stainless appliances and loads of storage, primary suite with updated bath with on-trend black and white tile in bath, junior master suite plus two bedrooms with shared bath, private rear deck surrounded by tall shade trees. Lower level has a large family room, workshop and two car garage. Close to Dignity Health, Yavapai College, VA campus, public and charter schools, National Forest trails for hiking and biking. Enjoy the Prescott lifestyle in the heart of the Country Club neighborhood.

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23314 N Pedregosa Drive Sun City West, AZ 85375

$699,000

3 Beds

3 Baths

1,904 SqFt

Status Active

MLS # 6775966

Property Type Single Family Residence

Price Type --

WELCOME HOME to this incredible Corte Bella Country Club golf course home with GORGEOUS mountain views! Located on the 6th Green of the Golf Course, this San Marco home with casita is truly one of a kind and offers some of the best views in the community. The large lot and beautiful curb appeal greet you upon arrival and lead you into a large private courtyard. Inside the home, you'll find gorgeous tile floors flow throughout, tall ceilings & wonderful architectural features with a perfect open concept floor plan. Designer details have been added throughout to elevate the home. An extended garage provides excellent storage and beautiful patio spaces maximize the outdoor living within this incredible location where you can enjoy Corte Bella's resort style living with amazing amenities!

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