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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14344 W Alvarado Drive Goodyear, AZ 85395

$695,000

5 Beds

4 Baths

3,400 SqFt

Status Active

MLS # 6761951

Property Type Single Family Residence

Price Type --

Great home in Palm Valley awaits you. The primary bedroom is downstairs, and the detached casita is perfect for work from home. Close to Great Hearts/Trivium, Lifetime Fitness, and easy access to i-10. Spacious and well laid out, make this your home today. Loft, bedroom and bathroom upstairs, garage cabinets, pool, artificial turf in the backyard. Walking path to the west of the home so no neighbors directly to the west of you.

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2210 E Everett Drive Phoenix, AZ 85022

$695,000

4 Beds

3 Baths

2,451 SqFt

Status Active

MLS # 6765491

Property Type Single Family Residence

Price Type --

Welcome home to this charming two-story home completely remodeled. As you walk into this 4-bedroom, 2.75 bathroom you immediately see the beautiful new flooring, windows, freshly painted walls, and fixtures. The first floor features a kitchen updated with new cabinets, countertops, stainless steel appliances, white backsplash and tons of natural light. There is two bedrooms, a master ensuite completely remodeled with a shower and a fully updated guest bath downstairs. Up the remolded staircase leads you to a master suite with bathroom dreams are made of. A brand-new vanity, a separate shower and soaking tub, a large walk-in closet and balcony overlooking your backyard. The backyard has a patio with fans, leading you out to your large diving pool and spa both heated for year-round use.

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728 W Thunderbird Road Phoenix, AZ 85023

$695,000

3 Beds

2 Baths

1,935 SqFt

Status Active

MLS # 6767036

Property Type Single Family Residence

Price Type --

Experience the perfect blend of luxury and tranquility in this stunning 3-bedroom, 2-bathroom home backing up to a scenic golf course. Wake up to breathtaking views, enjoy vaulted ceilings that add spaciousness and light, and relax in a beautiful home with fresh paint inside and out. The brand-new roof ensures peace of mind for years to come. Whether you're a golfer or just love beautiful surroundings, this home offers the perfect escape. Don't miss the opportunity to own this slice of paradise. Hurry and make it yours!

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20618 W Elliot Road Buckeye, AZ 85326

$695,000

4 Beds

3 Baths

2,368 SqFt

Status Active

MLS # 6767371

Property Type Single Family Residence

Price Type --

Be excited to see this newly built single-level residence in Buckeye with 2x6 construction! Step inside to discover the allure of the captivating open floor plan enhanced with 10ft plus ceilings and soothing paint tones complemented by wood-style flooring. The impeccable kitchen is outfitted with sleek stainless steel appliances, quartz counters, recessed and chic light fixtures, a plethora of white cabinetry with crown molding, and a sizable island with a breakfast bar. This gem provides well-appointed bedrooms, including two main retreats with plush carpeting, pristine ensuites, and walk-in closets. The home's elegance extends outdoors to the vast backyard with a covered patio, excellent for relaxation. The property is equipped with AC units that are upgraded to Trane Units. Very close to the proposed Goodyear's master planned community of Estrella, highway I-10, schools, shopping center, and the Goodyear Airport. It has lots of potential.

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16037 W Orangewood Avenue Litchfield Park, AZ 85340

$695,000

5 Beds

2 Baths

2,016 SqFt

Status Active

MLS # 6774268

Property Type Manufactured Home

Price Type --

Charming Farmhouse Retreat on 1+ Acre This beautifully remodeled farmhouse features 5 spacious bedrooms and 2 baths, including a master bathroom with an upgraded walk-in shower with a rainfall showerhead, a jetted tub, and wall jets for a luxurious experience. The master bedroom also includes its own private mini-split AC and heater for optimal comfort. Enjoy brand new ceiling fans throughout the home, enhancing airflow and efficiency. The fully fenced property features a five-stall barn equipped with electricity and water, ideal for equestrian enthusiasts. Additional amenities include brand new AC and appliances, front and back porches equipped with misters, and an above-ground pool with a deck. The workshop also has electricity, along with a large chicken coop and a tack shed. The irrigated land is adorned with mature fruit trees and pines, enhancing the property's appeal. Experience country living with modern amenities!

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3529 E Morelos Court Gilbert, AZ 85295

$695,000

4 Beds

2.5 Baths

2,607 SqFt

Status Active

MLS # 6775056

Property Type Single Family Residence

Price Type --

What a find! Don't miss the premium property in a premium Gilbert location on a premium cul-de-sac lot right next to community park. Rare 4 car double deep tandem garage with tons of garage cabinets! Lot of parking with deep driveway and covered parking spaces. Beautiful backyard with pool and BBQ area. Great floor plan with living and family rooms, staggered stained cabinets in kitchen with island and granite counter tops. Loft upstairs with three additional bedrooms. Oversized master suite with lots of floor space, master bath offers separate tub and shower, two sinks, and private toilet room. Big walk in closet. Fresh interior paint, new LED can lights, and two new ceiling fans.

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16800 E El Lago Boulevard Unit 1019 Fountain Hills, AZ 85268

$695,000

2 Beds

2 Baths

1,898 SqFt

Status Active

MLS # 6775435

Property Type Apartment

Price Type --

Highly upgraded, GROUND FLOOR 2 b/2 bath condo with DEN (can be an office, 3rd bedroom, etc) located in the heart of scenic Fountain Hills. This idyllic home boasts a large 2 car garage, well designed gourmet kitchen with 14th level upgrade suede maple cabinets and tile backsplash, open, bright and sunny floorplan and an ideal view of the Fountain and Four Peaks from patio, primary and living room. Upgraded tile, wood floors & carpet in bedrooms only. Custom accent paint thru out. Both baths have Granitex vanity tops. All appointments are rich neutral earth tones. 2 car garage has epoxy floor and ceiling storage racks, but best of all, direct access to condo, all one level. Village at Towne Center is an upscale community with heated pool, hot tub and fitness center, GATED community.

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1406 E Ellis Drive Tempe, AZ 85282

$695,000

4 Beds

3 Baths

2,301 SqFt

Status Active Under Contract

MLS # 6754437

Property Type Single Family Residence

Price Type --

The property features a versatile mother-in-law suite or attached rental unit, ideal for extended family or generating rental income. This separate kitchenette living space includes a zero entry shower, w/d hookups. Indulge in relaxation with a luxurious private outdoor soaking tub and dual shower area, offering a serene escape right in your own backyard, The outdoor kitchen and bar provides an ideal setting for entertaining. Year round gatherings are comfortable under the covered patio outfitted with a high pressure misting system. Enjoy the Big Game from 3 large screen TVs, or have quiet conversations in front of the fireplace.

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5357 W Tonopah Drive Glendale, AZ 85308

$695,000

3 Beds

2 Baths

1,925 SqFt

Status Active Under Contract

MLS # 6768380

Property Type Single Family Residence

Price Type --

Welcome to Arrowhead Lakes Luxury! This gorgeous 3-bedroom property Boasts a huge lake view. Vaulted ceilings and elegant luxury floors that create a warm and inviting atmosphere. The sizable great room is perfect for relaxation and gatherings, enhanced by recessed lighting. Unleash your culinary creativity in the delightful kitchen, featuring a skylight, crisp white cabinets, a charming bay window, a stone-accented backsplash, granite countertops, and a spacious center island, perfect for entertaining. The main suite is a true retreat, offering a walk-in closet, direct access to the backyard, and a private bathroom with dual sinks. Step outside to entertain on the covered patio, take a dip in the sparkling pool, and enjoy the scenic lake view. This home has it all. Don't miss out

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8216 E Del Cuarzo Drive Scottsdale, AZ 85258

$695,000

2 Beds

2 Baths

1,737 SqFt

Status Active

MLS # 6776952

Property Type Single Family Residence

Price Type --

OPPORTUNITY KNOCKS!! Your chance to remodel this 1 level home w/ a 2 car garage in the heart of highly desired McCormick Ranch. Enjoy the signature green lush grass/mature tree look that defines the very essence of beautiful McCormick Ranch! This 2 bedroom/2 bath 1 level patio home features a spacious great room that opens to lovely dining room & bright, light & airy kitchen w/ nook. Additionally, the great room opens to a lovely private back patio for incredible AZ outdoor living! Spacious primary bedroom also opens to the private back patio for additional access to your lovely private outdoor living space! There is a 2nd bedroom w/ a bathroom (that serves as the powder room too). Heritage Village 3 enclave features tennis courts, 2 swimming pools & lots of green grassy common areas!

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1275 Pebble Springs Prescott, AZ 86301

$695,000

3 Beds

3 Baths

2,213 SqFt

Status Active

MLS # 6759048

Property Type Single Family Residence

Price Type --

Welcome to this stunning single-level home located in the gated Creekside neighborhood of Prescott Lakes. Boasting exceptional curb appeal, the property features a paver driveway and beautifully landscaped front yard, complementing the stucco exterior with elegant stacked stone accents. As you enter, you'll be greeted by rich, dark engineered wood floors that flow throughout the main living areas, setting the tone for the inviting open floor plan. The great room exudes comfort and sophistication, seamlessly connecting the living room, dining area, and kitchen, while offering a versatile bonus space. At the heart of the great room is a cozy gas fireplace with a rock surround and wood mantel, flanked by a wall of windows that fill the space with natural light. The kitchen is a chef's dream, equipped with stainless steel appliances, including a 4-burner gas range, granite countertops, glass tile backsplash, and a walk-in pantry. The large kitchen island, with a breakfast bar and undermount sink, serves as a central gathering spot, perfect for casual meals or entertaining. The dining area, open to both the kitchen and great room, provides a seamless flow for hosting guests. The den offers additional flexibility, easily transformed into a breakfast nook, library, or office, with sliding glass doors that allow you to customize the space to your preferences. Escape to the luxurious primary bedroom suite, where you'll find granite counters with double sinks, a dressing table, a walk-in closet, and a spa-like glass-enclosed walk-in shower. Two additional bedroomsone carpeted and one with wood flooringshare a Jack and Jill bathroom with granite countertops, dual sinks, and a walk-in tub/shower combination. Additional features include a convenient powder room and laundry room, both located off the foyer. The spacious 3-car tandem garage provides ample storage, workshop space, or room for an extra vehicle. Outdoors, the expansive covered paver patio, open side patio, and fully landscaped backyard offer plenty of space to relax and enjoy the crisp mountain air of Prescott.

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310 S 4th Street Unit 1905 Phoenix, AZ 85004

$695,000

2 Beds

2.5 Baths

1,435 SqFt

Status Active

MLS # 6706728

Property Type Apartment

Price Type --

Location is everything and this unit has perfect city views as well as amazing sun set views. Great location in the city as it's nestled between the Phoenix Suns and AZ Diamondbacks venues. Restaurants, easy light rail access, theatre's and symphony's are all around. Popular Open Floor plan. This unit was recently completely remodeled with high end finishes. Murphy bed at Guest/Office room. Lift parking space allows for two vehicles. This unit also has an extra large balcony. Located on the 19th floor of this 23 floor building, it's really one of a kind. 24 Hour Lobby Security/Attendant. Fitness Center, Outdoor pool and hot tub overlooks Diamondback stadium. Don't let this one get away.

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