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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26446 W Lone Cactus Drive Buckeye, AZ 85396

$697,000

3 Beds

2.5 Baths

2,472 SqFt

Status Active Under Contract

MLS # 6759974

Property Type Single Family Residence

Price Type --

Wonderful home at the Sun City Festival! Stone accented façade, desert landscaping, 2-car garage w/cabinets, A/C & courtyard entry. Inside, a hallway leads you to the den w/French doors, the secondary bedroom area w/Jack & Jill bathroom & the bright family rm w/media niche. Plantation shutters, auto power blinds, surround sound speakers & sliding glass doors that merge indoor/outdoor activities! Chef's eat-in kitchen showcases a big island w/breakfast bar, staggered cabinets, SS appliances, granite counters, stylish backsplash & butler's pantry area w/walk-in pantry. The main retreat has private backyard exit & a lavish bathroom. Two floating vanities w/under light, a floor-to-ceiling tiled shower & walk-in closet. Oasis backyard boasts covered patio, built-in BBQ, pool/spa combo.

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3131 N Central Avenue Unit 5012 Phoenix, AZ 85012

$696,772

2 Beds

2 Baths

1,419 SqFt

Status Active

MLS # 6614699

Property Type Apartment

Price Type --

*Construction Completed* 5% BUYER INCENTIVE! Introducing Edison Midtown Phase 2 with 60 new construction condominiums. This spacious two bedroom plus den condo offers ten ft. ceilings, an open floor plan, and large master bedroom with ensuite bathroom. Chefs kitchen offers expansive cabinetry, quartz countertops and stainless steel appliances including a gas range. Edison Midtown features incredible amenities for that perfect Urbanite lifestyle. A beautiful pool and lap pool, 2000 sq. ft. fitness center and lounge, and gated parking garage.

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25120 W Patton Road Wittmann, AZ 85361

$696,000

4 Beds

3 Baths

3,008 SqFt

Status Active

MLS # 6688711

Property Type Single Family Residence

Price Type --

Custom home with many upgraded features. 24'' travertine tile, upgraded cabinets, granite counters, stainless steel appliances. Open concept with large great room, columns, 10' ceilings. Bathrooms/showers feature travertine tile. Large master suite with separate walk-in shower and jetted tub with a large walk-in closet, separate entrance. Stone accents and 14' turret entrance. Fenced-in garden area, window shutters throughout.

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2505 E Presidio Street Mesa, AZ 85213

$695,950

3 Beds

3 Baths

2,279 SqFt

Status Active

MLS # 6728266

Property Type Single Family Residence

Price Type --

This is Base Price on a new Build and does not Include Lot premium or Upgrades. Grove at Lehi is bringing their sophisticated style to a new Upscale Gated Community in the Citrus District of Northeast Mesa. The Palm Tree lined Grand Entrance and charming decorative gatehouse provides a sense of arrival and welcomes you inside this gated 108-homesite community. Incredible central park that offers a lighted pickleball court, playground, and ramada perfect for outdoor family fun! Grove at Lehi provides easy access to the Loop 202 with close proximity to Tempe, Scottsdale, and Gilbert. Larger Lots with offering 8ft and 10ft RV Gates. Come Check out this brand-new community. (Photos are of Model)

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12826 S 189th Avenue Buckeye, AZ 85326

$695,000

4 Beds

3.5 Baths

2,379 SqFt

Status Active Under Contract

MLS # 6761611

Property Type Single Family Residence

Price Type --

Be excited to see this newly built residence now on the market! With 4 beds, 3.5 baths, and a spacious split 3 car garage, this beautiful home offers style and comfort. The immaculately designed interior highlights a captivating open layout bathed in natural light enhanced with tall ceilings, recessed & chic light fixtures, and sleek wood-look tile flooring. Spotless kitchen is fully equipped with quartz counters, white shaker cabinetry, a walk-in pantry, and an island with a breakfast bar. Retreat to the romantic main suite, showcasing an ensuite and a walk-in closet. On the other end of the home, enjoy an attached in-law suite with just enough privacy. Sliding glass doors open to the expansive backyard with a covered patio overlooking fantastic mountain views. Take advantage of this gem

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914 E Osborn Road Unit 201 Phoenix, AZ 85014

$695,000

2 Beds

2 Baths

1,708 SqFt

Status Active

MLS # 6775211

Property Type Townhouse

Price Type --

Experience New York Loft Living in the Heart of Phoenix! This exceptional home features sleek polished concrete floors, a striking fireplace wall, a floating wood staircase, and artistic touches throughout, making it a true architectural masterpiece. The chef-inspired kitchen boasts modern flat-panel black European cabinetry, elegant quartz countertops, and top-of-the-line appliances, including a Sub-Zero refrigerator and a Fisher & Paykel oven with an induction cooktop—perfect for crafting gourmet meals. Ideal for entertaining, the kitchen seamlessly flows into the dining area and great room, while two walk-out balconies provide stunning sunset views and a front-row seat to Phoenix's 4th of July fireworks. Each bathroom is meticulously designed with a stylish blend of natural wood and chic tile finishes, balancing modern elegance with timeless charm. The primary bedroom offers a luxurious walk-in closet with custom cabinetry, glass doors, integrated lighting, and ample storage space for all your belongings. This home also includes a spacious laundry room with cabinets for extra storage and a tankless water heater for added convenience. With three designated parking spots in the garage, this loft offers urban sophistication paired with practical desert living truly one of a kind!

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8307 E Gary Road Scottsdale, AZ 85260

$695,000

5 Beds

6 Baths

5,505 SqFt

Status Active

MLS # 6722753

Property Type Single Family Residence

Price Type --

New co-ownership opportunity: Own 1/8 of this professionally managed, turnkey home. Named for a tropical Yucatan oasis, Tulum Oasis features a great room with 17-foot wood ceilings and a two-sided fireplace. A floor-to-ceiling corner window wall floods the space with light and opens to the backyard pool, a gas fire pit, large grassy lawn, BBQ and dining space. The kitchen has a limestone backsplash, two islands and Sub-Zero and Wolf appliances. The dining room offers a view of a stone patio and fountain. The home includes a den and a flex space. All five bedrooms have ensuite baths. The primary suite features a cozy fireplace, a walk-in closet and a luxurious bathroom with a dual-sink vanity, stone tub and open walk-in shower. The home comes fully furnished and professionally decor

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8127 E Columbus Avenue Scottsdale, AZ 85251

$695,000

3 Beds

2 Baths

1,437 SqFt

Status Active

MLS # 6738892

Property Type Single Family Residence

Price Type --

Charming 3 bed, 2 bath with 1-car garage home in the heart of Downtown Scottsdale! This property features tile flooring and natural light throughout! Great kitchen with modern stainless steel appliances, granite countertops, and plenty of cabinet and countertop space! The main bedroom includes a private bathroom and a spacious closet! Large fenced backyard and covered patio that's great for entertaining!

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44973 W Sandhill Road Maricopa, AZ 85139

$695,000

3 Beds

2.5 Baths

1,844 SqFt

Status Active

MLS # 6740557

Property Type Single Family Residence

Price Type --

This beautifully maintained three bedroom two and half bath home with a GORGOUS DESERT OASIS is surrounded by scenic views and walking paths. Lounging in your PRIVATE POOL your view is open to the expansive community green belt, while still offering private seclusion behind the lush landscape just beyond your property., with the neighborhood park just around the corner. Surrounded by all of this greenery, is your ULTRA LOW MAINTENANCE dessert landscaped retreat. Whether you are sitting around cooking up smores around the fire. Splashing around in your pool or enjoying a glass of wine in your SPA your entertainer's yard will truly be your indulging retreat. Walking into your home you can't help but take note of the impressive craftsmanship of the solid iron screen door as you walk in to the room filled with warm colors and beautiful flooring. The GREATROOM prewired with 7.1 surround sound has the perfect niche for your art or sculptures. The staggered cabinetry, GAS RANGE, and Corian counter-tops make this kitchen open and inviting. Upstairs, your loft is open and bright. Your large master bedroom is complemented by a large tub, separate shower, WALKIN CLOSET, and double sinks. Your spare bedrooms share views of the front yard. This home has everything you are looking for, fans in all the bedrooms, great room and loft, soft-water system, RO water system, EPOXIED GARAGE FLOOR, much much more. Upgrade: AC system, washer & Dryer had complete overhaul. All faucets been changed to Delta brand in bathrooms & kitchen. The entire 2nd floor including stairway been changed to hard planks water and scratch resistant. Bathroom commodes been changed to 17.5 height. 30 electrical solar panels been installed reduces electrical bill Tremendously in hot summer days.

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7524 E Wildcat Drive Gold Canyon, AZ 85118

$695,000

2 Beds

2 Baths

1,857 SqFt

Status Active

MLS # 6750505

Property Type Single Family Residence

Price Type --

BEAUTIFUL mountain views from your private back yard! Enjoy relaxing in your quiet oasis with wildlife and the peaceful comfort of this lovely setting. PLUS: A THREE-CAR GARAGE, an extra-large laundry room, a home office with built-ins, lots of storage in the laundry room and garage. This is a special home, located in one of the most desirable areas of Mountainbrook Village. The Mountainbrook Village adult community has it all: Pickleball, pools, an exercise facility, a community center, as well as countless resident activities! Don't miss this opportunity to enjoy this private sanctuary of a home.

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5138 Pine Dawn Road Lakeside, AZ 85929

$695,000

3 Beds

2.5 Baths

2,608 SqFt

Status Active

MLS # 6751626

Property Type Single Family Residence

Price Type --

Bring your toys!! Ranch style home located in Scotts Pine Meadows on two lots, .59 acres. Beautifully landscaped home with a three car garage. This well cared for home has three bedrooms, two bathrooms, family and living room. The kitchen has a ceramic tile backsplash and countertops. Dining area can be part of the large family room with views of the backyard or off of the kitchen. A pass thru window makes serving to the family room easy and gives the kitchen a great view. The screen in patio leads to an outside patio. A 5' chain link fence encloses the back yard. On each side of the home is a drive thru gate. There is also RV parking with a sewer hookup.

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15221 N Clubgate Drive Unit 1110 Scottsdale, AZ 85254

$695,000

2 Beds

2 Baths

1,401 SqFt

Status Active

MLS # 6754503

Property Type Apartment

Price Type --

Luxury 2BR/2BA condo - first-floor corner unit in the gated Kierland Greens community! Fully remodeled in late 2023: entire kitchen with upgraded cabinets, granite countertops, and brand-new appliances; both bathrooms with walk-in tile showers; luxury vinyl flooring; new HVAC and water heater. There is an attached, oversized 2-car garage, gas tile fireplace, and wood blinds. Easy to access - downstairs, near parking, and close to the pool. The community features a resort-style heated pool/spa, a workout room, BBQ grills, and a ramada with heaters & misters. You'll love the excellent location with excellent dining and shopping options; near the Kierland Golf Club, the Westin Hotel, Kierland Commons, and Scottsdale Quarter. Available for immediate move-in or as an investment property.

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