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

3534 E Spring Wheat Lane Gilbert, AZ 85296

$688,000

4 Beds

3 Baths

2,122 SqFt

Status Active

MLS # 6767131

Property Type Single Family Residence

Price Type --

Seller can contribute to closing costs/buydown with right offer. This is one of the finest examples of Fulton Homes most desired single level floorplan in Lakeview Trails Morrison Ranch. It features 4 bedrooms, 3 baths, an open Flex room looking through to the Living/Dining/ Kitchen. The gourmet style kitchen features separate gas range and oven, a BUILT-IN GE refrigerator, microwave and dishwasher. The cabinets are all soft close throughout and are finished in a beautiful driftwood stain. The counters are topped with granite in the kitchen as well as the primary suite bathroom. The backyard is adorned with rustic travertine pavers and Diamond Light turf. The built in gas firepit creates the perfect ambiance for entertaining outside on those cool fall evenings. Much more. Owner/Agent

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4292 E John Street Gilbert, AZ 85295

$687,225

3 Beds

2.5 Baths

1,737 SqFt

Status Active

MLS # 6759003

Property Type Single Family Residence

Price Type --

This beautiful Textiler plan, 1735 sf single story home with 3 car garage is beautifully laid out with 3 bedrooms and 2.5 baths off a spacious great room with open gourmet kitchen. The master bedroom features a roomy walk in closet and a beautifully appointed master bath highlighted by a gorgeous spa shower and matching vanities. Beautiful tile flooring shows off the wonderful great room which opens to the outside with an expansive 16' atrium glass door. The gourmet kitchen features upgraded 42'' upper Linen cabinets with upgraded crown molding. The granite countertops are highlighted by the upgraded full tile backsplash. This home shows like a dream!

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5534 W Tierra Buena Lane Glendale, AZ 85306

$687,000

6 Beds

3 Baths

2,908 SqFt

Status Active

MLS # 6765234

Property Type Single Family Residence

Price Type --

No HOA and Horses allowed. Large 6 bedroom ranch home with almost 3,000 sq ft. Large covered patio in the back yard. You will have to buy more toys to use all of the space available to you as the new owner. There is also great potential to use as a group home. Roof replaced 2017, HVAC updated 2021 and yes you can have horses! Professional pictures coming soon

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20262 W Hollyhock Street Buckeye, AZ 85396

$686,995

4 Beds

3.5 Baths

2,840 SqFt

Status Active

MLS # 6717221

Property Type Single Family Residence

Price Type --

Part of the Modern Living collection, The Darius provides a sophisticated and accommodating ranch-style layout. In addition to a lavish primary suite with a roomy walk-in closet and attached double-sink bath with an upgraded deluxe tile shower-this home includes a second primary suite with an adjacent living room, perfect for multi-generational living. You'll also enjoy a 3-car garage, a study, a great room with an adjacent covered patio-featuring multi-slider doors, two additional bedrooms that share a jack and jill bathroom, and an inviting gourmet kitchen with a generous island, built-in pantry, 42'' white cabinets with matte black pulls, quartz countertops, tile backsplash, GE Plus stainless-steel appliances with chimney hood and 36'' gas cooktop and an adjacent dining nook. This home has contemporary square casing throughout, 9 x 35 tile flooring with carpet only in the bedrooms, matte black hardware. lighting and faucet packages throughout, pendant lighting at the kitchen island, and a full wet bar with upper and base cabinets in the guest living room. In addition, 10 ft ceilings, two-tone paint, ceiling fan prewires in the bedrooms, great room, study and covered patio, soft water loop in the garage, laundry sink pre-plumb, garage service door, paver driveway and walkway, front yard landscaping and exterior coach lights are also included. This home is situated on an 8760 square foot lot with a double side gate.

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7378 W Whitehorn Trail Peoria, AZ 85383

Open House

$686,875

4 Beds

3 Baths

2,239 SqFt

Status Active

MLS # 6776424

Property Type Single Family Residence

Price Type --

Brand new, Multi Gen Floorplan-December completion! Experience the charm of Aloravita, nestled within the scenic mountains of Peoria. This community boasts breathtaking views and is conveniently located minutes away from shopping, dining, hiking trails and more! Our popular 'Winchester Multi-Gen' floorplan features 4 full bedrooms, 3 bathrooms, with a separate living room and kitchenette, 2 Car-Garage and a private yard! Designer selected finish includes Birch Burlap Cabinetry, Quartz Kitchen Countertops, Wood Like Tile Throughout, and Plush Carpet in all the bedrooms. This beautiful home will have it all including 8' doors, Gourmet Gas Kitchen, Smudge Proof Stainless Steel Appliances, Blinds, Pre-Plumb for Soft Water, and Smart Home Technology.

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3501 W Sunstone Drive San Tan Valley, AZ 85144

Open House

$686,425

3 Beds

2.5 Baths

2,575 SqFt

Status Active

MLS # 6768895

Property Type Single Family Residence

Price Type --

This home design is the dream home you have been waiting for. Complementing the well-designed kitchen is an immense center island with breakfast bar, as well as plenty of counter and cabinet space and an enormous walk-in pantry. The spacious primary bedroom suite located off the great room offers a luxurious bath and impressive closet space. A private flex/den space extends the possibilities of this home, creating plenty of space for personalization.

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26415 S Recker Road Queen Creek, AZ 85142

$686,000

3 Beds

2 Baths

1,600 SqFt

Status Active

MLS # 6764925

Property Type Single Family Residence

Price Type --

Discover rural living at its finest! Located in Maricopa County's charming island area. This property boasts''*NO HOA** and tons of potential. The home has been thoughtfully updated, featuring modern plumbing throughout and a two-year new heat-pump that keeps the home very comfortable. The kitchen and bathrooms newly renovated, adding style and functionality. One standout feature is the **massive 980 sq ft shop** constructed with heavy duty steel framing. The shop's roof is set to be replaced a couple day after close of escrow. Ideal for entrepreneurs, no permits are needed to operate a business here! The leach field has been recently replaced and set for another 20 years of reliable use. Room for RV. Please Appt only. Dogs on property.

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7337 S Debra Drive Gilbert, AZ 85298

$685,900

3 Beds

2.5 Baths

2,658 SqFt

Status Active

MLS # 6728648

Property Type Single Family Residence

Price Type --

UPGRADES..UPGRADES..UPGRADES! Welcome to this beautifully designed home in the sought after Adora Trails Comm. Features 3 generous bedrooms, 2.5 baths & a versatile den offering a blend of comfort & style. Interior Highlights: gourmet kitchen, granite countertops, ample cabinetry & a spacious center island. Elegant wood look tile with classic appeal and durability throughout the downstairs area . Upstairs convenient dual-entry laundry room and a versatile Loft area. Outdoor Retreat: This inviting backyard offers privacy with NO neighbors behind you! Built in BBQ and bar under a striking pergola, also a cozy fire pit seating area all in all ample backyard seating for relaxation & entertaining. Extended covered patio & RV Gate. Walking distance to Community Clubhouse and Elem school.

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822 W Earll Drive Phoenix, AZ 85013

$685,900

3 Beds

3 Baths

1,956 SqFt

Status Active

MLS # 6734658

Property Type Single Family Residence

Price Type --

This 1992 home sits among beautiful historic homes in Campus Vista (Campus Manor) Historic District. All of the benefits of the location w/o the historic preservation restrictions!! Beautifully shaded front yard allows home to fit fairly seamlessly into streetscape. Seller's job has taken him out of state just after installing an owned solar system with Tesla battery backup, new water heater and water softener. Pleasing 3 way split 3 bedroom-3 bath layout. Hard surface flooring newly installed including hard wood and marble tile. Kitchen updated with new granite counters. Backyard and patio could be enlarged by pushing block wall 17 ft to back property line creating plenty of room for a pool/hot tub area. See professional pictures now posted!!

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16914 E Britt Court Fountain Hills, AZ 85268

$685,800

3 Beds

3 Baths

2,094 SqFt

Status Active

MLS # 6776249

Property Type Single Family Residence

Price Type --

Your dream home in beautiful Fountain Hills awaits. Positioned on a premium lot, this exquisite property boasts unrestricted mountain and desert views. Just a short stroll from the iconic fountain, its famous park, and the Avenue of the Fountains promenade, you're at the heart of it all—local dining, shopping, and entertainment. Outdoor enthusiasts will love the nearby bike paths, hiking trails, and proximity to Saguaro lake. This well-maintained, single-owner home features a spacious open floor plan with 3 bedrooms, 2.5 baths, and an amazing outdoor space. Freshly painted with all new stainless appliances, it's move-in ready. Ideal as a primary residence, second home, or a lucrative rental. Priced to enable those personal customizations that make a house 'your home'. One not to miss! Be sure to drop by the resort-like community pool area with heated spa, large ramada, bbq, lounge chairs, bathroom and outdoor shower. Located just a short walk/drive south down Woodside Drive and at the end of the cul-de-sac on Peso Place. Enjoy views of the fountain and surrounding mountain views on your way. Spectacular!

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7380 W Bent Tree Drive Peoria, AZ 85383

$685,789

4 Beds

3 Baths

2,185 SqFt

Status Active

MLS # 6746324

Property Type Single Family Residence

Price Type --

This WONDERFUL NEW 2024 home on a premium lot w/mountain views is OVERFLOWING w/over $89k of DESIGNER upgrades! Professionally landscaped front yard w/faux grass and paver driveway! BEAUTIFUL GOURMET kitchen w/gas cooktop, quartz countertops, waterfall island, urban cabinets + stainless appliance suite incl. fridge! Great room/dining room w/tons of windows! SPLIT primary bedroom suite w/LUXURIOUS ensuite bath w/ BIG walk-in shower! Bring your own backyard design to this PRIVATE backyard w/covered porch and create the oasis of your dreams! This property has too many upgrades to list here! Come see for yourself. Welcome HOME!

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5811 E Rose Garden Lane Phoenix, AZ 85054

$685,670

3 Beds

2.5 Baths

1,962 SqFt

Status Active

MLS # 6756958

Property Type Townhouse

Price Type --

Come one come all! This beautiful townhome will be ready for you at the end of October! This is a premium location right next to High Street/Desert Ridge with no neighbors behind you. This home will have a beautiful interior with wood-like tile and quartz countertops. Spacious downstairs and upstairs with 3 bedrooms, 2.5 bathrooms and an expansive loft. Hurry fast, prices continue to increase!

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