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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1511 E Luminous Lane Queen Creek, AZ 85140

$695,000

3 Beds

2.5 Baths

2,282 SqFt

Status Active

MLS # 6716533

Property Type Single Family Residence

Price Type --

$$ ALERT $$ This exact model just went pending on golf & asking $1,249,000. What a bargain at this price. Add your own updates and be well under value with a one-of-a-kind just over 12,000 sq. ft. Step outside past the double rolling walls of glass and enjoy the private backyard with mature trees. You'll find stone pavers, built in BBQ, fire pit and turf grass. Inside the home you will find the perfect space to entertain. Step into the primary suite and relax in the sitting room with a good book and glass of wine. Front guest bedroom allows privacy for anyone visiting. The home also offers a ''smart space'' in the laundry room for additional work space and cabinets. The golf cart garage provides more storage as well.

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29825 W Bellview Street Buckeye, AZ 85396

$695,000

4 Beds

2 Baths

2,841 SqFt

Status Active

MLS # 6716717

Property Type Single Family Residence

Price Type --

Welcome to a Brand-New Home 2023 on a little over an acre. This home has a split 4 bedroom 2 bathroom with a 3 car extended garage. Large open concept living area featuring countless upgrades such as 9' ceilings, extra large kitchen island with quartz counter tops and backsplash. LED Lighting and tile floors throughout the entire house. Primary bedroom has a spa-like bathroom with a seamless walk-in shower, water closet, walk-in closet, dual sinks. Shared well with one neighbor. This one is a must see! 2x6 Constructions with foam sprayed in walls and roof. 400 amps service, plenty of power for an RV garage/casita. 50 amp outlet in garage for your electric vehicle. Not your average new built. We have the Occupancy Cert in hand!! Ready to move!

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6850 S Birdie Way Gilbert, AZ 85298

$695,000

3 Beds

2 Baths

2,361 SqFt

Status Active

MLS # 6717020

Property Type Single Family Residence

Price Type --

Don't miss out on this fabulous Seville Country Club home . Single level, 3 bedrooms plus Den, 2 bathrooms, 2 car garage, and single car garage. Resort-style backyard with plenty of space to entertain including spa, built in BBQ and firepit. This prime golf course lot offers beautiful views of the pristine course. Granite countertops and matching stainless appliances. Outside of home freshly painted. Much more to see.

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2216 E Meadowview Court Gilbert, AZ 85298

$695,000

4 Beds

3 Baths

2,188 SqFt

Status Active

MLS # 6732861

Property Type Single Family Residence

Price Type --

Nestled in the community of Belrose, this gorgeous 4-bed, 3-bath home offers the perfect blend of style & comfort. Discover elegant tile flooring paired with plush carpeting in all the right places, updated lighting & black hardware throughout. The bright, open kitchen boasts white cabinets, sleek stainless steel appliances, quartz countertops, & brand new pendant lighting. The spacious primary bedroom features a luxurious ensuite with walk-in shower & dual vanity. Backyard oasis with $60K of updates offering a sparkling pool & 2 patios with travertine tile. Also included, a convenient 2-car garage & soft water loop available. Situated in an incredible central location, this home provides easy access to highways, top-rated schools, shopping, dining, & more!

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21305 S 201st Way Queen Creek, AZ 85142

$695,000

4 Beds

3 Baths

3,273 SqFt

Status Active

MLS # 6733983

Property Type Single Family Residence

Price Type --

Seller to provide $15k landscape allowance! This stunner is located in one of QCs most popular neighborhoods & has been meticulously cared for & move in ready. With upgraded cabinets, walk in pantry, BUTLERS pantry, incredible kitchen island w/ designer staging niches & beautiful natural light you wont want for anything in this gourmet kitchen. W/ 4 oversized bedrooms w/ walk-in closets & an office/bonus room this home has a wealth of space. The master features a large shower & soaking tub, all while under the roof of an energy efficient build w/ spray foam insulation & energy star rated equipment. The QC Wash trail can be accessed through the neighborhood w/ miles of uninterrupted path through the heart of the city. QC Marketplace is just one minute

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2243 W Spur Drive Phoenix, AZ 85085

$695,000

4 Beds

2.5 Baths

2,928 SqFt

Status Active

MLS # 6733386

Property Type Single Family Residence

Price Type --

Highly desired PRIVACY corner LOT in PRIME Norterra ''Valley Vista'' location featuring N/S Exposure w/Open Floorplan, 4 Beds, 2.5 Baths, Kitchen w/Upgraded Cabinetry, Island Breakfast Bar, Granite Countertops, Stainless Steel Appliances, Vaulted Ceilings, Wrought Iron Staircase Railing, NEW CARPET & INTERIOR PAINT, Family/Great Room w/Large View Windows, Hardwood & Stone Flooring, Primary Suite w/Separate Soaking Tub & Shower, 2-Walk-in Closets, Recessed LED Lighting, Water Softener System, Private Resort Style Backyard w/Pebbletec Swimming Pool, Extended Covered Patio, Pavers, Grassy Play Area & SO MUCH MORE! Community features Walking & Biking Trails, Playgrounds, Greenbelts, Basketball, Close to Everything- Shopping, Dining, Golfing, Schools, TSMC plant & EZ Freeway Access - Must See!

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2325 W Highridge Road Wickenburg, AZ 85390

$695,000

3 Beds

2 Baths

2,748 SqFt

Status Active

MLS # 6762876

Property Type Single Family Residence

Price Type --

Discover the epitome of quality craftsmanship in this beautiful custom Crissman home, perfectly situated on 2.5 in the coveted Sonoran Estates community, right in Wickenburg. This expansive residence boasts a thoughtfully designed split floor plan that offers the ideal balance of privacy and space, featuring formal dining, family, living, and breakfast rooms—perfect for both everyday living and entertaining. The luxurious master suite provides a tranquil retreat, while a versatile den doubles as an exercise room or home office. A separate workshop/storage room adds to the home's functionality. The property includes a 2-car attached garage and an impressive detached 2-car garage with a 3/4 bath, offering endless possibilities for use. Step outside to the extensive covered patio, complete with a convenient kitchen pass-through, where you can enjoy breathtaking views of Vulture Peak. The beautifully landscaped grounds include fruit trees behind the house, creating a serene outdoor oasis. This home also comes equipped with security shutters and doors for peace of mind. Recent upgrades include two brand new AC units, ensuring year-round comfort. Don't miss this opportunity to own a slice of paradise with incredible views, top-notch amenities, and plenty of room for your horses, all just minutes from the heart of Wickenburg!

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28327 N 164th Street Scottsdale, AZ 85262

$695,000

4 Beds

2 Baths

2,311 SqFt

Status Active

MLS # 6752370

Property Type Single Family Residence

Price Type --

Experience luxury living with breathtaking mountain views in this upgraded 4-bedroom, 2-bath home. From the moment you arrive, the refined stone accents, meticulous desert landscaping, and spacious 4-car garage set the stage for what's inside. The open living area features soaring ceilings, a stone fireplace, and expansive windows that frame stunning mountain views. The gourmet kitchen is a chef's delight with granite countertops, stainless steel appliances, double wall oven, and rich espresso cabinetry. The main suite offers plush carpeting, dual sinks, a walk-in closet, and direct backyard access. Outside, relax on the covered patio, enjoy the fire pit, or unwind in the hot tub! With space for toys or horses, this home blends modern luxury with the natural beauty of Arizona.

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22338 N O Sullivan Drive Maricopa, AZ 85138

$695,000

5 Beds

2.5 Baths

4,152 SqFt

Status Active

MLS # 6741286

Property Type Single Family Residence

Price Type --

Welcome to this stunning, updated Maricopa home! With breathtaking golf course and mountain views, this spacious property offers the best the Valley of the Sun has to offer. As you enter the home, you are welcomed by open living areas perfect for entertaining. The home also features generously sized bedrooms, including a lavish downstairs master with spa-like bathroom complete with custom walk-in shower. Large windows throughout showcase the beautiful surroundings. Step outside to your private oasis, where a heated pool and putting green invite year-round enjoyment. The expansive patio area is ideal for hosting barbecues, relaxing in the sun, or simply taking in the serene golf course and mountain views. NEW AC units in 2021 and NEW water heater in 2024!

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23035 W Sierra Ridge Way Wittmann, AZ 85361

$695,000

5 Beds

4 Baths

3,155 SqFt

Status Active

MLS # 6743733

Property Type Single Family Residence

Price Type --

Huge custom home in quiet subdivision on one a large 1+ acre lot with an open space behind it. The yard includes two RV gates, RV parking, pool, spa, built-in BBQ, and multiple extended patios with low maintenance artificial turf. Great for entertaining! The home includes two master suites, an open greatroom with built-in Entertainment Center, kitchen and dining area. The spacious kitchen includes granite countertops and double ovens. All appliances included! Enjoy the open space, country air and rural lifestyle in this spacious home with all of the amenities!

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13873 N 89th Street Scottsdale, AZ 85260

$695,000

3 Beds

2 Baths

1,651 SqFt

Status Active

MLS # 6744502

Property Type Single Family Residence

Price Type --

New roof, paint and more on this updated 3-bedroom, 2-bathroom gem! Great location and price! The kitchen is a chef's delight, featuring white shaker cabinets and stunning quartz countertops that complement the stainless steel appliances. The home boasts not one, but two distinct living spaces—an inviting family room for everyday relaxation, which features a beautiful brick fireplace and a separate formal living for special occasions and entertaining guests. The updated bathrooms are elegantly designed with contemporary fixtures and finishes, offering a touch of sophistication. The master suite is a true retreat, complete with a huge walk-in shower and a luxurious soaking tub, perfect for unwinding after a long day. Conveniently located in a great neighborhood, this home offers both privacy and accessibility to amenities. Whether you're enjoying quiet evenings by the fireplace or hosting lively gatherings, this home provides the perfect backdrop for your lifestyle. Don't miss the opportunity to make this your own! Home is also available for rent.

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17178 W Wildwood Street Surprise, AZ 85388

$695,000

4 Beds

3.5 Baths

2,223 SqFt

Status Active

MLS # 6750662

Property Type Single Family Residence

Price Type --

ENTERTAIN ALL OFFERS Discover easy living in this beautifully maintained, single-story residence nestled in the heart of Surprise, Prestigious Sterling Grove community. This charming home boasts a spacious open floor plan with abundant natural light, creating an inviting atmosphere perfect for entertaining. The gourmet kitchen features modern appliances, ample counter space, and a breakfast bar that opens to the dining and living areas. Retreat to the primary suite, complete with a walk-in closet and an ensuite bath for ultimate relaxation. Enjoy Arizona's sunny days in the private, low-maintenance backyard—perfect for outdoor gatherings or quiet evenings under the stars. **The Ultimate Lock-and-Leave Lifestyle!** With its low-maintenance design, this home is ideal for thos seeking a hassle-free, lock-and-leave lifestyle. Situated in luxurious Sterling Grove, residents have easy access to world-class amenities including a championship golf course, state-of-the-art fitness center, resort-style pools, tennis and pickleball courts, and walking trails. Plus, you're just minutes away from top-rated schools, shopping, dining, and entertainment. Don't miss the chance to make this easy-living, single-story gem your dream home in one of Surprise's most sought-after areas!

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