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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15682 W Jenan Drive Surprise, AZ 85379

$685,000

6 Beds

3.5 Baths

4,035 SqFt

Status Active

MLS # 6767379

Property Type Single Family Residence

Price Type --

PRIME SURPRISE LOCATION! Greer Ranch Home situated on Large Premium Cul-de-sac lot!! Greenbelt to North & East of property with view fence! Near Neighborhood Park & common area. Home features 5 bedrooms, den, 3.5 bath, huge upstairs loft, great room (living/dining), family room, large kitchen, den (which can be used as an office or bedroom), huge master bedroom and bath room w/ two WI closets, two tone paint, tile & wood laminate, carpet in bedrooms. RV gate, covered patio, 3 car tandem garage. This home is ideally located just minutes away from shopping, schools, churches, dining and entertainment, with easy access to Loop 303 for convenient commuting. Don't miss the opportunity to own this exceptional property!

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5764 E Leonora Street Mesa, AZ 85215

New

$685,000

2 Beds

2 Baths

1,940 SqFt

Status Active

MLS # 6769037

Property Type Single Family Residence

Price Type --

Very spacious 2 master bedroom 2 baths on the 3rd hole of Apache Wells CC golf course. Great room style. Large kitchen with pullout shelving. Large island with storage on both sides. Breakfast bar, wet bar with small refrigerator. 2 sliders out onto covered patio with a gas grill. Owner owned commercial solar panels - According to SRP the last year high is $130 low $20. Over sized 2 car garage plus golf cart garage. Bring your buyers to see this great home.

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12380 W Palo Brea Lane Peoria, AZ 85383

$685,000

4 Beds

2.5 Baths

2,476 SqFt

Status Active

MLS # 6776625

Property Type Single Family Residence

Price Type --

This gorgeous 4-bedroom home with a 4-car garage with owned solar! Meticulously-designed interior showcases wood flooring, thick baseboards, chic light fixtures, fire sprinklers, and a formal living room. Perfect for entertaining, the spacious great room features pre-wired surround sound for an enhanced experience. Open-concept kitchen offers abundant cabinetry topped with crown moulding, built-in appliances, a convenient pantry, granite counters, and a prep island with a breakfast bar. Large & bright primary retreat awaits, complete with plush carpet and an ensuite comprised of dual sinks, soaking tub, and a walk-in closet. Serene backyard promises endless fun under the sun, boasting a covered patio, grassy area, and a refreshing pool. This gem will sell fast! Hurry

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44809 Saguaro Blossom Lane Morristown, AZ 85342

$685,000

2 Beds

1.5 Baths

1,730 SqFt

Status Active

MLS # 6775655

Property Type Single Family Residence

Price Type --

5 Acres *Adjoins thousands of Acres of State Land. Custom Hay shed/4 Covered 12 x 14 Stalls w/2in pipe*Arena started at 80ft 120ft, but room for 150 x 250 needs arena fill/sand. Outdoor Entertainment Area w/ Fireplace, Enclosed Front & Back Courtyard w welded wire/pet fencing. Firepit, Custom Lighting, Rim Rock Bar & Grill & a relaxing heated/cooled Swim Spa! Custom Ranch Home w Exceptional Privacy and Views. This Great Home exhibits the distinctive culture of Sonoran Desert Living w/ Natural Granite, Wood Accents, Stone & Tile Features Throughout. Vintage Custom Woven Drapes, Beehive Fireplace, & original custom works & upgrades- too numerous to mention. Full Hook-Up RV*Camp space*Addt RV parking*Endless Adventures of Camping, Hiking, Biking, Riding & Mining are yours! Move In Ready

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2312 W Muirfield Drive Anthem, AZ 85086

$685,000

2 Beds

2 Baths

2,064 SqFt

Status Active Under Contract

MLS # 6756691

Property Type Single Family Residence

Price Type --

Live the Anthem Country Club Lifestyle! From golf to pickleball to dinner at the Clubhouse - life is to be enjoyed at Anthem! This 2 bedroom plus den/office, 2 bath home is situated on a coveted golf course lot with stunning mountain views. The backyard is newly designed with relaxing entertaining spaces, pavers & easy-care turf! The great room begs for guests! The kitchen has been beautifully updated with today's taste - including lighting, wine cooler, stainless appliances, oversized sink & faucet. Upscale French doors to the front patio were added for ease of living. Coffee or wine anyone? Primary suite offers a private exit to the back patio, plantation shutters & large walk-in closet. Feel pampered in the updated primary bath - newly tiled, large glassed shower, fresh cabinetry, counters, lighting & hardware. Guest suite & bath have lovely updates as well! The den/office area is open, light & bright. Other recent updates include bedroom carpet, additional attic insulation, newer water heater, newer sliders in living area & primary bedroom, 5 additional window replacements, ceiling fans & more! Perfect primary home or 2nd residence. No neighbors to the west and across from the home - privacy abounds!

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3741 N Paseo Del Sol -- Mesa, AZ 85207

$685,000

4 Beds

2 Baths

1,821 SqFt

Status Active Under Contract

MLS # 6773620

Property Type Single Family Residence

Price Type --

Amazing golf course lot in the highly sought after community of Las Sendas! This Acacia floor plan features 4 bedrooms/2 upgraded baths, open concept kitchen/family room, updated light fixtures, new SS appliances, custom stone media wall with lighted wood shelving. Upon entering the home, you will find newer wood look-like tile, 5'' baseboards, and crown molding. Interior has neutral paint throughout and bedrooms have newer plush carpet. This home is located on a premium golf course lot by 17th tee box with beautiful desert landscaping & plenty of privacy! The backyard features a putting green, kiva fireplace perfect for nightly entertaining, built-in BBQ, and view deck with stunning east facing mountain views. Park all your vehicles or golf cart in the spacious 3-car garage with epoxy flooring and built-in cabinetry. Minutes away from Saguaro Lake, Salt River and Tonto National Forest. Las Sendas features two community pools, spas, splash pad, multiple parks, tennis, pickleball, and bocce ball courts, walking/biking paths & groups/clubs for everyone!

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2427 E Mcdowell Road Phoenix, AZ 85008

$685,000

3 Beds

2 Baths

1,561 SqFt

Status Active

MLS # 6696950

Property Type Single Family Residence

Price Type --

Looking for a Lucrative Investment Opportunity in Phoenix, AZ? Look No Further! This Stunning Property is Located at 2427 E McDowell Rd and is currently being used as a Home/Office that offers C-2 Commercial and R-3 Multiple Family Zoning with Road Frontage on Mcdowell Road. Key Features: Prime Location: Nestled in the heart of Phoenix, enjoy easy access to downtown, shopping centers, restaurants, and major highways. Rear lot of Property is Currently Leased for $600.00 Per Month for Storage. Unfinished Basement is a Bonus for Estimated 761 Sq Ft of Additional Storage. Property Has So Much Potential! 24th St and Mcdowell!

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8533 W Desert Elm Lane Peoria, AZ 85383

$685,000

5 Beds

3.5 Baths

3,118 SqFt

Status Active

MLS # 6696966

Property Type Single Family Residence

Price Type --

Just reduced, priced to sell! Great house w/ an even better lot!!! This beautiful home sits on a very private corner lot so that you can enjoy the open space behind you from your very own resort like backyard. One of the few homes available that has a private casita (243sqft) for extended family or the occasional guest. This home has great flooring throughout, the eat in kitchen has granite counters, double ovens, built in wine rack, and large walk in pantry with additional storage under the stairs. The very spacious primary suite is conviently located on the main level. There is also a large loft that has been partitioned to create a 6th bedroom plus and has a balcony to enjoy the mountain views.. You don't see many 6 beds plus a loft in this price range. This home won't last!

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324 W Willow Avenue Phoenix, AZ 85029

$685,000

4 Beds

2 Baths

2,581 SqFt

Status Active

MLS # 6709884

Property Type Single Family Residence

Price Type --

FRESHLY PAINTED, GORGEOUS 4 BEDROOM, 2 BATH, 2,581 SQFT RANCH IN HERITAGE HIGHLANDS SUBDIVISION. LOTS OF SPACE/LARGE MASTER SUITE, 2 SPARE BEDROOMS AND A 4TH BEDROOM WITH BUILT IN BOOKCASES THAT COULD BE USED AS AN OFFICE OR BEDROOM. VAULTED CEILING FAMILY ROOM WITH WOOD BURNING, STONE FIREPLACE. LIVING ROOM AND FORMAL DINING ROOM WITH BAY WINDOWS AND WINDOW SEAT. ENGINEERED HARDWOOD FLOORS. EAT IN KITCHEN WITH REFINISHED CABINETS, QUARTZ COUNTERTOPS AND HUGE WINDOW WITH EXPANSIVE VIEW OF BACKYARD AND POOL. PROFESSIONALLY LANDSCAPED FRONT AND BACK YARDS WITH PLENTY OF COVERED PATIO SPACE IN BACKYARD, GREAT FOR ENTERTAINING! DON'T FORGET THE GORGEOUS SWIMMING POOL WITH NEW TIMER, NEW FILTER AN NEW POOL CLEANER.

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507 E Wesleyan Drive Tempe, AZ 85282

$685,000

4 Beds

2 Baths

2,086 SqFt

Status Active

MLS # 6727308

Property Type Single Family Residence

Price Type --

This beautiful home has been remodeled from top to bottom. Turnkey house that is upgraded to the max. New Electrical, new light fixtures, completed repainted. New front and back landscape with paver driveway extensions and front paver patio. Completely new kitchen with new appliances. New Master bathroom with his and her shower. Features a mud room and large pantry. All new upgraded tile throughout the house. New drywall, new windows, new doors and hardware and a new roof! This home is close to the University and in a great family neighborhood. Come make this your new home!

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10118 E Trent Avenue Mesa, AZ 85212

$685,000

4 Beds

3.5 Baths

2,794 SqFt

Status Active

MLS # 6751202

Property Type Single Family Residence

Price Type --

Welcome to this stunning Toll Brothers home nestled in the premier community of Cadence! With its impressive curb appeal and an inviting, bright, and airy floor plan, this residence is designed for both comfort and style. Step inside to discover an open-concept layout that seamlessly connects the elegant kitchen to the living area. The gourmet kitchen boasts pristine white cabinetry, a generous breakfast bar, a large center island, and a walk-in pantry, all complemented by stainless steel appliances. Expansive windows and soaring ceilings flood the space with natural light, creating a warm and welcoming atmosphere. This living area effortlessly transitions to a backyard oasis, complete with a covered patio and a spacious play area featuring lush artificial turf. The main level also includes a versatile flex space that can serve as an office, den, or formal dining area, along with a private full bedroom and bathroom, ideal for guests or extended family. Venture upstairs to find an oversized loft that offers additional living space, along with a generously sized primary bedroom complete with a walk-in closet, dual sinks, and a walk-in shower. Two additional bedrooms share a well-appointed bathroom, and the convenience of a laundry room rounds out this functional second level. This home combines modern living with thoughtful design, making it the perfect retreat for any lifestyle. Don't miss the opportunity to make it yours! Cadence features an 8 acre park with a 12,000 sq ft club house that features a fitness center gym and meets the needs of every family. member! Enjoy the community pool, tennis courts, basketball courts and playground just to name a few ammenties. Conveniently located by shopping restaurants and easy freeway access!

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2126 W Red Fox Road Phoenix, AZ 85085

$685,000

3 Beds

3 Baths

2,198 SqFt

Status Active

MLS # 6737901

Property Type Single Family Residence

Price Type --

This home checks all the boxes! Single level, elegant finishes, ideal floor plan, and more. This home in Fireside at Norterra is open, bright, and feels like new. With three bedrooms and an office, you have room to spread out. Enjoy cooking in the open concept kitchen complete with a fabulous walk in pantry and butler's pantry area to prepare meals. Special updates: New HVAC in 2024 and new water heater in 2023. The community offers a clubhouse, gym with full facilities, pool, spa, rock climbing wall, basketball court, playground, hiking trails,and more. Take advantage of the resort style living in north Phoenix. Come by and make this your home today.

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