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

2158 W Clearview Trail Anthem, AZ 85086

Open House

$699,000

4 Beds

2.5 Baths

2,666 SqFt

Status Active

MLS # 6768721

Property Type Single Family Residence

Price Type --

This stunning single-story Majesty model home offers 4 bedrooms, 2.5 bathrooms, and is set against the backdrop of breathtaking Daisy Mountain views. The property features a formal living and dining area, alongside an open-plan eat-in kitchen complete with stainless steel appliances, a large island, and ample cabinet space. The kitchen flows seamlessly into the dining area and spacious family room, creating an ideal layout for entertaining. The primary bedroom suite boasts an en-suite bathroom with dual vanities, a separate tub, and a walk-in shower. The resort-like backyard includes a covered patio, lush landscaping, and a sparkling pebble-finish pool with a tranquil waterfall feature. The property also offers a 3-car garage with abundant space for vehicles and storage. Anthem Parkside amenities include a community pool, tennis and pickleball courts, parks, and a wide range of recreational activities and events, providing a vibrant lifestyle for residents.

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18410 N 78th Drive Glendale, AZ 85308

Open House

$699,000

4 Beds

3 Baths

3,679 SqFt

Status Active

MLS # 6771453

Property Type Single Family Residence

Price Type --

This 4 Bedrooms, 3 Bathrooms, Double Door Entry, Large Open Great Room with Vaulted Ceilings & French Doors to Exterior, Fireplace, Lots of Natural Light, Separate Formal Dining Area & Tile Throughout is located in the Highly Desirable neighborhood of Hidden Manor. The Gourmet Kitchen includes a large Island, Lots of Cabinet Space, Dual Oven, 4-Door Refrigerator & Breakfast Area. Additional Family Room leads to side exterior door. With nearly one acre, the backyard is your private escape. It showcases an extended covered patio, full outdoor kitchen, fruit trees, beautiful Koi Pond with mature Koi Fish, Pond Bridge, Lots of Vegetation, Gardening Square & Private Sitting Area. Near Arrowhead Elementary School, Arrowhead Mall, Restaurants, Shopping, Entertainment, Easy Access to Loop 101.

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16450 W Desert Wren Court Surprise, AZ 85374

Open House

$699,000

2 Beds

2 Baths

1,850 SqFt

Status Active

MLS # 6751366

Property Type Single Family Residence

Price Type --

Welcome to this stunning, fully remodeled Palo Verde located on the 14th green of Desert Springs Golf Course. This home boasts a desirable split bedroom floorpan with recent 2022 updates including a new roof underlayment, fully owned solar, and heat radiant windows. The new 5-ton HVAC system ensures year-round comfort. Enjoy modern luxury with new flooring throughout, 5 inch baseboards, windows with custom trim, and fresh interior and exterior paint. The beautifully renovated primary bathroom features a luxurious shower and a custom California Closet. The kitchen is equipped with new appliances and elegant quartz countertops. The updates continue with all interior doors upgraded to stylish 2-panel designs with new hardware. The exterior features fresh cool decking and an epoxied garage.

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18448 E Paseo Verde Drive Rio Verde, AZ 85263

Open House

$699,000

3 Beds

2 Baths

2,731 SqFt

Status Active

MLS # 6556128

Property Type Single Family Residence

Price Type --

This is the perfect lock and leave property in the Rio Verde Country Club. This Alexander home has already been updated for you: New A/C units, New Roof with 10-year warranty! Updated kitchen with new Frigidaire appliances and updated bathrooms. High dramatic vaulted ceilings in Great Room and family room make this home feel very spacious. The great room features wooden beams and beautiful views of lush vegetation, flowers and palm trees. Enjoy the elevated wrap around patio with a sunny or shady part at any time of the day, easy to maintain landscaping. South facing patio for warm winter sun in front of the home. The home has a 2.5 car garage and 2 basements which are fully usable.

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7923 E Hubbell Street Scottsdale, AZ 85257

Open House

$699,000

4 Beds

3 Baths

1,976 SqFt

Status Active

MLS # 6714223

Property Type Single Family Residence

Price Type --

Welcome to the Home on Hubbell, a charming mid-century modern gem in the heart of South Scottsdale. This 1976 sq ft home seamlessly combines style and space. The remodeled kitchen features quartz countertops, shaker-style cabinetry, open shelving and a gas cooktop. A large butler pantry doubles as an indoor laundry and direct access from the 1 car garage...if you know South Scottsdale you know these are two huge bonuses! No car port here! The mid-century style of this home is complemented by stained concrete flooring and fresh interior paint. The versatile floor plan includes 4 bedrooms and 3 bathrooms, with a dual master layout perfect for multi-generational living, a roommate setup, or even a vacation rental. The sandblasted brick exterior and reimagined outdoor desert landscaping add to this home's Frank Lloyd Wright-inspired curb appeal. The lush backyard is truly a desert oasis, it's as if you are on vacation in Palm Springs, featuring a beautiful pebble-tech pool. Located just minutes from Old Town Scottsdale, Loops 101 and 202, Sky Harbor and ASU. The Home on Hubbell truly encompasses Scottsdale living with prime location and accessibility.

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8952 E Palm Ridge Drive Scottsdale, AZ 85260

Open House

$699,000

3 Beds

2 Baths

1,602 SqFt

Status Active

MLS # 6685794

Property Type Townhouse

Price Type --

Within in the heart of Eagle Point, the immaculate Townhome features maintenance free living, vaulted ceilings in every room, spacious bedrooms, separate living room and abundant closets. Everything inside is NEW down to the water valves. New roof in 2023. Complete remodel in 2020 of the kitchen, bathrooms, windows, doors and sliders, floors, and paint. HOA covers entire front landscaping and Community Pool. Home warranty included! This special Scottsdale property won Best Home on Tour! Walkability is a 10+, convenient to parks, freeways, shopping and dining. Move in today and entertain your family and friends this weekend. Embrace the Scottsdale lifestyle you deserve!

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4923 N 205th Glen Buckeye, AZ 85396

Open House

$699,000

2 Beds

2.5 Baths

1,825 SqFt

Status Active

MLS # 6756989

Property Type Single Family Residence

Price Type --

GOLF COURSE VIEW, MOUNTAIN VIEW, CITY LIGHTS, POOL, and COVERED PATIO!!! Got your attention now? Nestled in the tree-lined streets of Victory at Verrado (phase 2) is this beautiful 1,825 square foot Promenade floor plan. The cozy front porch is perfect for enjoying the peaceful surroundings or a morning coffee in the shade. Inside, you'll find wood-look tile flooring, and carpet in the bedrooms, adding a touch of elegance to each space. The kitchen features cooktop, double wall ovens, quartz counters, backsplash, and pendant lights. There are extra cabinets in the pantry/laundry room adjacent to the kitchen for ample storage. The light fixtures, sinks, faucets, & ceiling fans throughout the home create an upscale yet warm and inviting atmosphere.

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7704 W Tether Trail Peoria, AZ 85383

$698,990

4 Beds

3 Baths

2,124 SqFt

Status Active

MLS # 6694756

Property Type Single Family Residence

Price Type --

Brand new community in North Peoria! This single-story Opal floorplan home has 4 bedrooms, 3 bathrooms, and a den, spanning 2124 sq ft of luxury living space. The kitchen has white quartz kitchen countertops, white and shale painted shaker style cabinets , stainless steel gas cooktop, hood, and microwave/oven combo. The home has 8ft interior doors and 8x36 wood plank floor tile throughtout. Upgraded carpet and pad in the bedrooms. Satin nickel door hardware and plumbing fixtures and so much more! Don't miss the opportunity to make the Sanctuary at Aloravita your new home.

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945 E Missouri Avenue Phoenix, AZ 85014

$698,900

3 Beds

3 Baths

2,003 SqFt

Status Active

MLS # 6772900

Property Type Single Family Residence

Price Type --

Welcome to your new charming 1950s home located in the heart of the highly desirable North Central Phoenix corridor! This Mid-Century Modern, single-story gem sits on a spacious lot in a prime location. The updated kitchen features sleek granite countertops, crisp white cabinetry, a stylish backsplash, and stainless steel appliances. With ideal North/South exposure, the expansive backyard is a perfect oasis, complete with a covered patio for relaxing, entertaining, and enjoying the Arizona outdoors. The open space offers plenty of potential for expansion or recreation. Surrounded by excellent dining, vibrant nightlife, and great shopping, this stunning property offers an unbeatable lifestyle. Don't miss this opportunity!

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7601 E Indian Bend Road Unit 1006 Scottsdale, AZ 85250

$698,900

2 Beds

2 Baths

1,625 SqFt

Status Active

MLS # 6686598

Property Type Apartment

Price Type --

Welcome home! Located in the gated Corriente Condominiums, this charming ground-floor Perla unit epitomizes comfort and modern style. Fabulous interior showcases plantation shutters, designer paint, tons of natural light, and wood-look tile flooring w/carpet in bedrooms. If entertaining is on your mind, you'll love this desirable open layout w/a two-way fireplace! The kitchen boasts SS appliances, granite counters, recessed lighting, ample cabinetry, and a breakfast bar. Versatile den for an office! Main bedroom has an ensuite with two vanities, separate tub/shower, & a walk-in closet. Relax on your private covered patio! Don't miss the assigned two parking spots in the garage. Enjoy the Community pool & spa, clubhouse, golf course, lake views, workout facility, & EV charger and more!

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2004 E Brigadier Drive Gilbert, AZ 85298

Open House

$698,900

5 Beds

2 Baths

2,375 SqFt

Status Active

MLS # 6723809

Property Type Single Family Residence

Price Type --

This beautifully upgraded 5-bedroom, 2-bathroom home in the highly sought-after Adora Trails community in Gilbert, Arizona, was just voted ''Best Tour'' and is ready for its next owners. The single-story floor plan offers stylish design and modern comforts, with a completely remodeled kitchen (2021) featuring an induction cooktop and sleek finishes. The master bathroom has also been beautifully updated, adding a touch of luxury to the home. Plantation shutters throughout add charm and functionality, while the private backyard provides a peaceful retreat.The sellers are incredibly motivated and eager to get this home sold! If you've been considering a move, now is the perfect time to make an offer. Don't miss your chance to own this stunning property in this desirable community. The kitchen features upgraded wood cabinets, gourmet appliances, and an induction cooktop. Bonus Flex Room (2021): Can be used as a fifth bedroom, playroom, workout room, or office. Designer Beams: Adds a touch of sophistication to the main room. RV Gate: Ample parking with an expanded driveway and concrete pad. Custom Backyard: Features an added patio and pergola for outdoor enjoyment. Modern Amenities: Solar tube skylights, modern light fixtures, and ceiling fans. Situated adjacent to a grassy common area, providing a serene and spacious environment. Located in the highly sought-after Gilbert area with excellent schools. Close proximity to shopping, freeways, and miles of walking trails. This home offers an exceptional blend of modern upgrades and practical amenities, making it perfect for families or anyone looking for a spacious and well-appointed living space in a vibrant community. Don't miss out on this incredible opportunity!

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28225 N Crook Court Rio Verde, AZ 85263

$698,500

2 Beds

2 Baths

1,543 SqFt

Status Active

MLS # 6764582

Property Type Single Family Residence

Price Type --

Discover the epitome of luxurious living with this stunning 2-bedroom, 2-bathroom residence nestled in the prestigious TRILOGY AT VERDE RIVER community. Boasting breathtaking PANORAMIC VIEWS of the iconic FOUR PEAKS, this home is a true haven for those seeking a perfect blend of sophistication and natural beauty. As you step inside, you'll be captivated by the meticulous attention to detail and numerous upgrades that adorn this residence. The gourmet kitchen is a chef's delight, featuring top-of-the-line GE Monogram appliances, upgraded cabinets, and an expansive island with quartz counters. The kitchen seamlessly flows into the living space, creating an open and inviting atmosphere. Enhancing the indoor-outdoor living experience, the 15' multi-sliding patio doors lead to a private outdoor oasis with an awe-inspiring mountain view. Situated on an elevated lot with only 1 neighbor, this home offers a sense of tranquility and seclusion. Luxury extends to the bedrooms, where plantation shutters and remote-controlled shades provide an extra layer of comfort and style. The master bedroom features an en-suite bathroom with modern fixtures and finishes. Beyond the confines of the home, Trilogy at Verde River invites you to indulge in resort-style living. This exclusive community offers a range of amenities, including golf, tennis, pickleball, a lap pool, a resort pool, a hot tub, and fine and casual dining options. Immerse yourself in the active lifestyle that Trilogy at Verde River has to offer while relishing the serene beauty of the surrounding landscape. Don't miss the opportunity to make this exquisite residence with unparalleled views your own. Experience the pinnacle of desert living in this meticulously crafted home in the heart of a resort-style community.

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