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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12819 N Mimosa Drive Fountain Hills, AZ 85268

$690,000

4 Beds

2.5 Baths

3,025 SqFt

Status Active

MLS # 6766915

Property Type Twin Home

Price Type --

Discover this charming 4-bedroom, 2.5-bath home in the picturesque community of Fountain Hills. As you approach, you're welcomed by a spacious, inviting front courtyard, perfect for enjoying tranquil mornings or entertaining guests under the Arizona sky. Step inside to be greeted by soaring ceilings and an abundance of natural light, creating an open and airy ambiance throughout. For those in need of extra storage, the home includes a generously sized 300-400 sq. ft. storage room, ideal for keeping your living space clutter-free. The primary suite is a retreat in itself, featuring a walk-in closet and an additional cedar-lined closet—perfect for storing your most cherished items. Plus, a built-in floor safe, never before used, offers peace of mind for your valuables. This home is security-ready, equipped with an ADP system and alarm box, providing an added layer of protection. Outside, the backyard is primed for privacy with two newly planted trees, destined to grow into a lush, natural screen. Enjoy your very own citrus oasis with flourishing grapefruit and lemon trees, perfect for fresh homegrown produce.

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41319 N River Bend Road Phoenix, AZ 85086

$690,000

3 Beds

3 Baths

2,038 SqFt

Status Active

MLS # 6778560

Property Type Single Family Residence

Price Type --

Welcome to your dream retreat in the Anthem Country Club! This stunning home features breathtaking mountain & golf course views from every window, making it a true desert oasis. With the HVAC in both the main house and guest casita replaced in 2022, this property offers comfort & efficiency year-round.The spacious, well-appointed kitchen is perfect for preparing meals or hosting gatherings, with an open-concept design that flows seamlessly into the living area, highlighting the serene backyard views.Step outside and enjoy dining al fresco while taking in magnificent sunsets, and relax by the cozy beehive gas fireplace. The detached casita provides a private space for guests, enhancing the home's versatility and charm. Don't miss this opportunity to live the country club lifestyle.

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4072 E Yucca Street Phoenix, AZ 85028

$690,000

3 Beds

2 Baths

1,912 SqFt

Status Active Under Contract

MLS # 6753091

Property Type Single Family Residence

Price Type --

Beautiful single level home nestled on quiet street in coveted Phoenix location. Charming curb appeal greets you upon arrival at this meticulously maintained property that rests on a prime oversized lot. Stroll through private courtyard into inviting entry of this light & bright residence that features gorgeous LVP flooring and fresh carpeting throughout. Kitchen boasts granite counters, newer cabinetry, and SS appliances. Sensible floor plan with formal dining space, game room/den, & great room with slider that opens to exterior for easy indoor/outdoor lifestyle. Low maintenance backyard is an entertainers dream with covered patio & sparkling pebble tec pool. Longtime owners have made all the updates including newer dual pane windows & a whole home water filtration system. Prime location surrounded by shopping, dining, golf, and the upscale PV Mall redevelopment project. Steps to Cholla Cove Park and easy freeway access. Additional upgrades/bonuses include 2 car garage, all new irrigation, RV gate, shed, and fresh interior/exterior paint. A true gem of a property waiting for new owner!

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14042 N 44th Street Phoenix, AZ 85032

$690,000

4 Beds

2 Baths

1,937 SqFt

Status Active

MLS # 6744174

Property Type Single Family Residence

Price Type --

Discover this 4-bedroom gem just 2 minuets from PV Reimagined, Costco, Target, and more. Step inside to find tile flooring throughout and a soothing color palette that creates a tranquil ambiance. Spacious living room flows seamlessly into the great room, highlighted by a stone-accented fireplace, perfect for cozy evenings. Kitchen is a chef's delight, equipped with stainless steel appliances, white cabinets, granite counters, and a peninsula with a breakfast bar. Retreat to the main bedroom, offering direct backyard access and a private bathroom with dual sinks and unique glass block shower walls. The expansive backyard is an oasis with a covered patio, play area, and a fenced-in pool, ideal for entertaining and relaxation. Make this stunning home yours today List of 44th st home updates or improvements: 2019 - Dishwasher and Hot water heater replaced 3/10/21 - Installed new American standard HVAC July 2023 - Installed new luxury vinyl flooring in all bedrooms 3/29/24 - Full roof and vent replacement 6/2/24 - Exterior painted

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2682 E Dublin Street Gilbert, AZ 85295

Open House

$690,000

4 Beds

2.5 Baths

3,308 SqFt

Status Active

MLS # 6768599

Property Type Single Family Residence

Price Type --

Seller may consider buyer concessions if made in an offer. Welcome to your dream home, beautifully updated with a fresh interior and exterior paint in a neutral color scheme. The kitchen is a chef's delight with a center island, accent backsplash, and a walk-in pantry for ample storage. Retreat to the primary bedroom featuring a walk-in closet and double closets for all your storage needs. The primary bathroom is a spa-like oasis with double sinks and a separate tub and shower. Outside, enjoy a covered patio perfect for outdoor dining and a fenced-in backyard for privacy. This home has also undergone partial flooring replacement, enhancing its modern appeal. Don't miss this rare opportunity to own a home that combines style, comfort, and functionality.

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3931 S Hollyhock Place Chandler, AZ 85248

Open House

$690,000

3 Beds

2 Baths

1,961 SqFt

Status Active

MLS # 6775609

Property Type Single Family Residence

Price Type --

Located in the highly sought after Ocotillo community in Chandler, this stunning home offers both luxury and convenience. The neighborhood is known for its scenic lakes, walking paths, and world-class golf courses. With major employers like Intel, PayPal, and Orbital Sciences nearby, along with top-rated schools, shopping, and dining options just minutes away, this location provides the perfect blend of work, lifestyle, and leisure. This spacious 3-bedroom, 2-bathroom home with a den has been beautifully upgraded. The resurfaced pool, featuring new tiles, pebble tech finish, and a new pump, creates a resort-like backyard oasis. Thoughtful touches like updated lighting, fresh turf, and new rock landscaping enhance the ambiance, while cement pavers provide the perfect spot for grilling and gathering around a fire pit. Inside, the home boasts modern light fixtures, elegant plantation shutters, and fresh paint throughout, offering a bright and polished feel. The remodeled guest bathroom includes a stylish new tub, shower, vanity, and mirror, adding a touch of luxury. This move-in ready home offers a perfect combination of modern upgrades and an unbeatable location.

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16814 E Palm Beach Drive Queen Creek, AZ 85142

Open House

$690,000

4 Beds

3 Baths

2,313 SqFt

Status Active

MLS # 6729133

Property Type Single Family Residence

Price Type --

Seller may consider buyer concessions if made in an offer. Welcome to this elegant property featuring a neutral color scheme and a cozy fireplace, RV gate, a three car garage and no HOA. Bring your toys! The kitchen is a chef's dream, with a center island, and stainless steel appliances. Travertine tile in the right places. The primary bedroom includes a walk-in closet and an en-suite bathroom with double sinks, a separate tub, and a shower. Enjoy the outdoors on the covered patio, dip in the private in-ground pool, or relax in the fenced backyard. The home has fresh interior paint and partial flooring replacement, adding to its charm. This property is a perfect blend of comfort and style.

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6850 E Mcdowell Road Unit 7 Scottsdale, AZ 85257

$689,999

3 Beds

2.5 Baths

1,759 SqFt

Status Active

MLS # 6723887

Property Type Townhouse

Price Type --

Aire Luxury Living Is Here! Your new 3 bed, 2.5 bath townhouse is waiting for you to move in. A unique opportunity to own a 3 story end-unit, private rooftop home. Fully loaded kitchen is a chef's dream with counter space and storage you are looking for. First floor rec with laundry room, second floor living room opens to large balcony, third floor living quarters all with natural lighting and 10 foot ceilings. Entertain guests from home, use turf pathways for your fury friends, community gym pairs well with large pool, there is just no reason to leave. With views of Papago Park and Camelback Mountain, you are just minutes away from Downtown Scottsdale. Hiking, biking and local amenities are a huge plus.

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7689 W Tether Trail Peoria, AZ 85383

$689,990

3 Beds

2.5 Baths

2,197 SqFt

Status Active

MLS # 6707350

Property Type Single Family Residence

Price Type --

Welcome to Ashton Woods newest community in Peoria -The Sanctuary at Aloravita. This 2,197 Ruby floorplan features a Spanish style elevation and includes 3 bedrooms, 2.5 baths, a den plus 4-car super garage. The impressive kitchen island is perfect for family and friends to gather as it opens to the home's great room for easy entertaining. The kitchen includes stainless steel appliances with a gas cooktop, large undermount sink, under cabinet hood, beautiful stained shaker style cabinets with crown molding, Carrara Breeze quartz countertops, and large pantry. The great room offers a 4 panel center sliding glass door so you can step out into your covered patio to enjoy indoor/outdoor living in your backyard with friends and family. Other features include, 8' interior doors, 6x36 wood plank style floor tile, upgraded carpet/pad, a soft-water loop, and much more! For the car enthusiasts out there, this home includes 4-car super garage. Great location close to dining, freeways, parks, and

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6728 N 190th Drive Waddell, AZ 85355

$689,990

3 Beds

2.5 Baths

2,397 SqFt

Status Active

MLS # 6739349

Property Type Single Family Residence

Price Type --

It's the very spacious Carmona on a large lot. 3 bedrooms + study, 2.5 baths, Multi slide door perfect for entertaining off of your extended covered patio. Large walk in shower at owner's bath. Brick pavers at porch, drive, and walk. 8' tall garage door opener with two remotes, garage service door for easy access to the backyard. Stainless steel gas appliance package with 36'' cooktop and canopy hood for the cook in the family. Slate (gray) cabinets with 42'' kitchen uppers and pull out trash drawer. AZT Himalaya white granite tops in kitchen and at the enhanced kitchen island. Upgrade flooring includes 5'' base boards and 3 1/4'' door casings throughout the home. EMS Novales 12x24 Astra tile in all areas of the home except bedrooms and closets. Estimated completion September.

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19020 W Ocotillo Road Waddell, AZ 85355

$689,990

4 Beds

3 Baths

2,588 SqFt

Status Active

MLS # 6739358

Property Type Single Family Residence

Price Type --

It's the stunning Benissa with 4 bedrooms, 3 baths, formal dining, courtyard, covered patio. 12'x8' sliding glass door off the great room for easy access to the back yard. Garage service door, Pavers at drive, walk and entry. Kitchen upgrades includes stainless steel gas appliance package with 36'' cooktop, wall oven, glass canopy hood. Linen-off white cabinets throughout with 42'' kitchen uppers, pull out trash drawer/ AZT Silver Falls granite in kitchen including the enhanced kitchen island. Stainless steel undermount single bowl sink. Upgrade flooring includes 5'' baseboards and 3 1/4'' door casings. EMS Cabo II 17x17 Ocean tile in all areas except beds & closets. Two tone interior ''Whiskers' paint. Soft water loop, gas stub for future BBQ. Estimated completion September.

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866 W Flatiron Trail Apache Junction, AZ 85120

$689,990

4 Beds

3 Baths

2,607 SqFt

Status Active

MLS # 6750774

Property Type Single Family Residence

Price Type --

Up to 3% of base price or total purchase price, whichever is less, is available through preferred lender plus additional 2% of base price or total purchase price, whichever is less, is available to be used toward closing costs, pre-paids, rate buy downs, and/or price adjustments. The Livorno floor plan offers a stylish single-story design with four bedrooms, an All Gen suite, and a spacious flex area ideal for an office, TV room, or study. The home includes front yard landscaping and will be ready for occupancy in October. Conveniently located near community parks, grocery stores, and a variety of dining options.

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