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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Sort by: Select Price, Low to High Price, High to Low Newer Listings First Older Listings First Open House Date

8512 W Behrend Drive Peoria, AZ 85382

$695,000

2 Beds

2.5 Baths

2,203 SqFt

Status Active

MLS # 6757573

Property Type Single Family Residence

Price Type --

This stunning home is located in Westbrook Village, one of Arizona's most premier adult communities. Enjoy the sprawling floor plan w/ room to spread out, entertain & enjoy easy living. You'll appreciate all this home has to offer w/ vaulted ceilings, natural light, plantation shutters throughout and a gourmet kitchen featuring double ovens, gas cooktop, huge island and plenty of cabinet space. Cozy up in the Family & living room w/ a 2 way gas fireplace. The main bedroom offers a large walk-in closet, double sinks and beautiful shower. 3 car garage has expansive storage with built-in cabinets. Relax in your resort-style backyard w/ built in BBQ and ample outdoor living space. Thoughtfully upgraded in 2019 including water softener and tankless water heater, 2 stage 15 seer ac unit in 2024 Westbrook Village offers a wealth of amenities! 2 championship golf courses, driving range, club houses & restaurants. There is never a lack of activities with their 87 clubs. Enjoy billiards*bocce ball*horseshoes*dance*aerobics/yoga*crafts/hobby rooms*pickleball*tennis*RV parking*pools*fitness facility*ballroom and so much more! This home is the perfect combination of luxury and comfort. Come and see it and do not miss the opportunity to make this gorgeous home yours!

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18187 E Via Jardin -- Gold Canyon, AZ 85118

$695,000

4 Beds

3 Baths

3,243 SqFt

Status Active

MLS # 6757344

Property Type Single Family Residence

Price Type --

This beautifully remodeled home is a true gem, featuring nearly two years of thoughtful updates throughout. The open kitchen shines with granite countertops, a large pantry, updated lighting, and hidden pop-up outlets that add both convenience and style. All bathrooms have been modernized with fresh shiplap, new countertops, and sleek fixtures, while the primary bathroom offers a luxurious escape with its tiled walk-in shower and clawfoot tub. Additional updates includes all new flooring, plantation shutters throughout and a high-end roll-down shade on the sliding door for extra elegance and functionality, full interior paint, crown molding, baseboards, and a fresh exterior paint job in August 2024. Step outside to a transformed backyard, complete with a... heated salt water pool, spa, gas fireplace, and a fully equipped outdoor kitchenperfect for entertaining. Located on a desirable corner lot with gorgeous views and extra privacy, plus a 3-car garage, this home is the total package!

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2550 E Penedes Drive Gilbert, AZ 85298

$695,000

5 Beds

3 Baths

3,083 SqFt

Status Active

MLS # 6759038

Property Type Single Family Residence

Price Type --

Experience elevated living in this upgraded Fulton home, nestled in the highly sought-after Freeman Farms. Ideally located next to the serene community waterfall and lake, this property offers a rare level of privacy with only one neighbor. The home comes equipped with owned solar panels, allowing new owners to enjoy energy efficiency. The first floor boasts a convenient guest room and bathroom, while the second floor is home to a luxurious primary suite with a generous sitting area. Step outside into a lush backyard with a vibrant lawn and a covered patio, ideal for gatherings and relaxation. Located just 5 minutes from Gilbert Regional Park's pickleball courts, this home also offers easy access the 202 freeway, SanTan Village, and the exciting new Epicenter development.

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3170 S Nebraska Street Chandler, AZ 85248

$695,000

4 Beds

3.5 Baths

2,818 SqFt

Status Active

MLS # 6760698

Property Type Single Family Residence

Price Type --

This stunning home, complete with fully-paid off solar at closing, is ideally located near award-winning Hamilton High School in a desirable cul-de-sac. Just steps from a park, lake, and greenbelt, the private backyard offers serene living with no neighbors behind. Boasting 4 spacious bedrooms, a den/game room, and 3.5 baths, the home features soaring ceilings and a chef's kitchen with granite countertops, a large island, and a generous pantry. Recent upgrades include a newer A/C, roof, flooring, and updated bathrooms. The downstairs owner's suite is a tranquil retreat with a tub, shower, and walk-in closets. A 3-car tandem garage provides ample storage, with easy access to freeways and shopping. Go see today!

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10488 W Nosean Road Peoria, AZ 85383

$695,000

4 Beds

3 Baths

2,860 SqFt

Status Active

MLS # 6763141

Property Type Single Family Residence

Price Type --

This home features approximately 2,860 square feet of living space with four bedrooms, three full bathrooms, and two split family rooms. The interior features durable and easy-to-maintain hard-surface flooring throughout, and a bright, open kitchen with lots of counterspace and storage. The split master bedroom boasts his and hers walk-in closets, a luxurious bathroom, and direct access to the oversized laundry room. All major appliances are included! Outside, enjoy a large backyard with lush green grass, low-maintenance desert plants, and a generously-sized, paver patio. Two garages for three total cars both have direct access into the home. The solar panels are OWNED and paid-off; the school district is A- rated, and the location is close to shopping, great dining, and the 303 freeway.

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16502 W Monte Vista Road Goodyear, AZ 85395

$695,000

3 Beds

3.5 Baths

2,192 SqFt

Status Active Under Contract

MLS # 6757375

Property Type Single Family Residence

Price Type --

If you're dreaming of a larger home with a Casita on the Tuscany side of the award-winning resort community of PebbleCreek situated on an oversized lot with beautiful common ground views & Owned Solar, look no further! This well-maintained Talavera model is what you've been waiting for. This home sits on a prime corner view lot of 11, 426 square feet. It offers a spacious open floor plan, 3 bedrooms, a den, plus 3.5 bathrooms. The kitchen is oversized and provides an abundance of cabinets and a built-in desk. The laundry room is also extra-large and has plenty of additional cabinets and storage. The washer and dryer convey with the property. The primary ensuite is roomy with a huge walk-in closet and offers a beautiful view of Tuscany's common grounds. A full bathroom is adjacent to... to the guest room and a powder room is just down the hall. New paint and carpet as of 9/24 give a nice, updated feel. The garage is a dream, it's a full 3-car, extended, and the fridge in the garage is included in the sales price! This home is located SW of the Tuscany Clubhouse, it offers a panoramic view of a pretty common area, has professional landscaping, including paved walkways on each side yard with numerous mature citrus trees, an extended paver patio, an extended pergola, a built-in BBQ, a bar, a fire pit, and a water feature that adds the final touch to create a beautiful peaceful outdoor space ready for you and your guests. Everything you need for a resort lifestyle is waiting for you to make it your own! Please see the document section for list of property upgrades.

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1274 W Windhaven Avenue Gilbert, AZ 85233

$695,000

4 Beds

2 Baths

2,518 SqFt

Status Active

MLS # 6770512

Property Type Single Family Residence

Price Type --

Welcome to the Estates at North Shore! Prime Gilbert location, 5 min to DownTown Gilbert and freeway access. Upgraded single level house, over 2,500/sf with a 3 Car Garage. Beautiful kitchen cabinets, oversized island with granite countertops and stainless appliances (all included!). Open and bright popular floorplan. High-end hardwood flooring throughout. New interior/exterior paint, upgraded fixtures and shutters. Full 3 Car epoxy coated garage. Oversized backyard with extended patio. Shows pride of ownership. Turn key opportunity, must see in person to appreciate!

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7301 E 3rd Avenue Unit 201 Scottsdale, AZ 85251

$695,000

2 Beds

2 Baths

1,303 SqFt

Status Active

MLS # 6771839

Property Type Apartment

Price Type --

Light and bright loft style condo with huge windows overlooking pool plus private outdoor balcony. Gorgeous wood floors, two large bedrooms on separate sides of the unit with large walk in closets and two updated bathrooms! Updated Kitchen opens to family room making this 1303 square feet seem like 2000 +! The 3rd Avenue Loft building is just steps from everything in Old Town Scottsdale! Walk to shops, museums and dining! Two assigned parking spots in the gated garage and a concierge daily on site to buzz guests/deliveries in through lobby door. Extra large assigned storage space in basement. One of the BEST locations in Old Town Scottsdale! Can be sold furnished on separate bill of sale! Hurry! Ideal floor plan and view!

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22462 E Marsh Road Queen Creek, AZ 85142

$695,000

5 Beds

4 Baths

2,923 SqFt

Status Active Under Contract

MLS # 6709373

Property Type Single Family Residence

Price Type --

MOTIVATED Seller! Meticulously designed interior showcases wood-look tile flooring, stylish light fixtures/ceiling fans, & a bright den that can be used for work/play. Open-concept kitchen boasts a plethora of white cabinetry with crown molding, a huge walk-in pantry, glossy granite counters, and a large kitchen island to gather around. Cozy loft is ideal for a reading nook! Venture to the main retreat equipped with plush carpet, an ensuite with two vanities, & a walk-in closet. 2nd primary bedroom has a bathroom for convenience. Discover a tranquil backyard sanctuary adorned with a secluded pool and a fire pit offering an enchanting retreat for relaxation and rejuvenation A covered patio, pergola with a fire pit, artificial turf, and a sparkling pool complete this paradise. Don't let this amazing deal escape!

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2102 N 7th Avenue Phoenix, AZ 85007

$695,000

4 Beds

3 Baths

2,820 SqFt

Status Active Under Contract

MLS # 6740598

Property Type Single Family Residence

Price Type --

INSTANT $80K IN EQUITY WHEN YOU PURCHASE AT LIST!!!! Beautiful Historic Home in the Encanto Historic District. This 1941 Home is on the National Historic Registrar. Open floor plan 4BD+Den 3BA on a large lot. *One bedroom is en suite w/possible kitchenette & has separate entrance! Perfect Casita for AirBnB or generational living! Wood & tile flooring throughout, original crown molding, resort-style backyard w/pergola, fire pit, pool, grass area & enclosed patio perfect for enjoying the outdoors w/friends! 2-car garage off alley for easy access. Walking distance to Encanto Park & Golf Course, Roosevelt Arts District, ASU Downtown campus, Chase Field, light rail & world-class dining & entertainment! Sky Harbor Airport & multiple freeways are all minutes away from your new home. Won't Last

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1956 W Black Hill Road Phoenix, AZ 85085

$695,000

5 Beds

2.5 Baths

2,648 SqFt

Status Active

MLS # 6745313

Property Type Single Family Residence

Price Type --

The search is finally over! Discover this gorgeous 5-bedroom, 2.5-bathroom residence, complete with a 3-car garage and meticulously maintained front yard. Inside, the living room boasts high ceilings, a soothing palette, blinds for privacy, and stylish wood-look flooring. The great room features a cozy fireplace for relaxing evenings. The gourmet kitchen comes with granite counters, abundant white cabinetry with crown moulding, pendant/recessed lighting, SS appliances, a tile backsplash, a walk-in pantry, a center island, and a peninsula with a breakfast bar. Upstairs, the sizeable loft offers additional living space, ideal for a family room or play area. The main bedroom includes soft carpeting, walk-in closets, and an ensuite with dual sinks. Outside, the expansive backyard showcases a covered patio, a charming ramada, elegant pavers, a built-in BBQ, and a well-kept lawn, and breathtaking mountain view. Amazing community center has kids play pool, lap pool, climbing wall, gym, and more! This gem will sell fast!

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2643 N 162nd Lane Goodyear, AZ 85395

$695,000

3 Beds

2 Baths

2,962 SqFt

Status Active

MLS # 6708410

Property Type Single Family Residence

Price Type --

Stunning 3-Bedroom Home on the golf course in PebbleCreek. Welcome to your dream home located in the prestigious PebbleCreek community! This exquisite 3-bedroom, 2-bath residence is perfectly situated on a prime golf course lot, offering breathtaking views and an unparalleled lifestyle. Spacious Bedrooms: Enjoy the comfort of three generously sized bedrooms, including a luxurious master suite with a walk-in closet and a private en-suite bathroom featuring dual vanities and a spa-like shower. Outdoor Kitchen perfect for entertaining, overlooking the 18th fairway. Amenities, include championship golf courses, pools, fitness centers, and a vibrant social scene and 36 pickleball courts! This home has just been repainted with neutral colors, all brand new kitchen appliances and new grill on the outdoor kitchen.

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