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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1724 N 157th Drive Goodyear, AZ 85395

$699,000

4 Beds

2.5 Baths

2,830 SqFt

Status Active

MLS # 6761317

Property Type Single Family Residence

Price Type --

Situated in the rapidly growing area near City Square at GSQ in Goodyear, this exceptional 3-bedroom, 2.5-bathroom home offers both style and space, perfect for modern living and entertaining. A welcoming open floor plan includes a versatile den/office and a flex room, providing ample space for work or relaxation. The gourmet chef's kitchen is a true highlight, featuring elegant finishes like a pot filler, double ovens, built-in microwave, gas cooktop, and an expansive island with generous counter space, all complemented by a spacious pantry. Large sliding glass doors from the great room lead to an impressive outdoor retreat, where a heated pool, spa, built-in gas BBQ, and 4-hole putting green create an inviting atmosphere for year-round enjoyment. Set on one of the largest lots in the community, this property offers privacy and plenty of room for outdoor gatherings. The oversized primary bedroom serves as a luxurious escape, complete with an en-suite bathroom, an expansive walk-in closet, and direct access to the serene backyard. The secondary bedrooms share a Jack-and-Jill bathroom, while the nearby den provides flexibility for a home office or guest room. A well-appointed laundry room with added cabinetry and a sink enhances the home's functionality. Meticulously maintained, this home includes recent upgrades such as a new HVAC system installed in 2022, a water heater replaced in 2023, and fresh interior paint and upgraded carpet completed in 2024. The home also features surround sound throughout, ensuring a seamless entertainment experience both indoors and outdoors. A newly replaced drip irrigation system and low-maintenance landscaping make this property as practical as it is beautiful. With its close proximity to shopping, dining, and entertainment, this home effortlessly combines luxury, convenience, and modern design. Don't miss your chance to own this impressive home in one of Goodyear's most desirable locations.

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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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4287 E Clifton Avenue Gilbert, AZ 85295

New

$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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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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