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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23095 E Mewes Road Queen Creek, AZ 85142

$680,000

4 Beds

3.5 Baths

3,546 SqFt

Status Active

MLS # 6771594

Property Type Single Family Residence

Price Type --

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1745 N 133rd Drive Goodyear, AZ 85395

$680,000

3 Beds

2 Baths

2,712 SqFt

Status Active

MLS # 6773121

Property Type Single Family Residence

Price Type --

This stunning and spacious 3 BR/2 BA bath 2712 SF single level TW Lewis floor plan boasts an oversized lot, 3 car garage and pre-paid leased solar! All of this in the conveniently located Palm Valley golf community. From the moment you arrive, you'll be captivated by charming curb appeal featuring stone accents, a meticulously maintained desert landscape, and a spacious 3-car garage. Step inside & experience luxury living at its finest. The grand formal dining room flows effortlessly into the inviting living area, anchored by a striking stone fireplace, perfect for cozy nights in. High 10' ceilings, crown molding and plantation shutters. Backyard is perfect for entertaining and year round enjoyment with heated pebbletec pool & spa, extensive travertine, fireplace, firepit and built in BBQ The chef's kitchen is a true masterpiece, offering abundant wood cabinetry, stunning tile counters and backsplash, built-in appliances, and chic pendant lighting. The peninsula, complete with a breakfast bar, makes it the ideal space for casual meals or entertaining guests. Step outside to your private backyard oasis, where relaxation and outdoor living come together. The expansive covered patio provides the perfect setting for al fresco dining or simply enjoying your morning coffee. The beautifully landscaped backyard features low-maintenance desert plants and plenty of space for entertaining. Whether you're hosting a BBQ or unwinding after a long day, this backyard offers endless possibilities for creating your own personal paradise. With room for a pool or garden, the outdoor space is as versatile as it is charmingperfect for enjoying the Arizona sunshine year-round. This home is a rare find, combining energy efficiency with style and comfort in a prime location. Don't miss out!

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1401 N 40th Drive Show Low, AZ 85901

$680,000

3 Beds

2 Baths

2,274 SqFt

Status Active

MLS # 6774774

Property Type Single Family Residence

Price Type --

This well-kept, classic, Country Club Manor home is one you aren't going to want to miss. The welcoming landscaping with mature Aspen Trees allow you to feel like you are in the heart of the forest. The abundant mature pines and lush green lawn make this home stand out in the sought after Country Club Manor neighborhood (no HOA). The spacious front deck offers the perfect spot to enjoy watching the amazing mountain sunsets. Entering the great room, you will see the bright and airy tall ceiling which make the room feel grand and yet comfortable and cozy. The eat in kitchen features an island and large open space for dining. French doors lead out to the large covered back deck. The lot is approximately .44/acre which provides plenty of space for entertaining, family gatherings or relaxing on a cool summer evening. Back inside you will find 4 nice sized bedrooms, large mud room and laundry room, ample storage and an oversized 2 car garage. Located just minutes from downtown Show Low, you are in close proximity to shopping and schools. Additionally, Show Low is known for its beautiful Fool Hollow Lake which is a short 5-minute drive away. Hiking and biking trails throughout the National Forest are surrounding the entire White Mountains and the Bison Golf course sits adjacent to this community.

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28713 N 201st Avenue Wittmann, AZ 85361

$680,000

3 Beds

2 Baths

1,761 SqFt

Status Active

MLS # 6688569

Property Type Single Family Residence

Price Type --

Seller to include full panel fencing if closed before ed of the year! Welcome to your dream equestrian oasis! This newly constructed home on 1-acre horse property offers the perfect blend of luxury and functionality. Located just 15 minutes from Surprise and 25 minutes from Wickenburg. Step inside to discover modern vinyl plank flooring, a gourmet kitchen equipped with top-of-the-line appliances, and spacious living areas ideal for entertaining. Outside, your equine companions will love the two horse pens complete with shades for comfort. With all the bells and whistles included, this brand-new build truly has it all. Don't miss out on the opportunity to make this stunning property your own!

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1715 E Cheery Lynn Road Phoenix, AZ 85016

$680,000

4 Beds

4 Baths

2,485 SqFt

Status Active

MLS # 6687701

Property Type Single Family Residence

Price Type --

This home qualifies for the Community Lending Program, including lender credit and interest rates below regular conventional rates. Completely rebuilt and reimagined in 2018, the main house features just over 2000 sf, 4 bedrooms, 3 baths, open concept living with large rooms and 9' ceilings. Well appointed kitchen with SS appliances, gas range w/ double oven, gourmet range hood and plenty of cabinetry and counter space. Spacious primary suite awaits with a private patio. The backyard is complete with a 500+ sf paver patio between the main house and the guest house. Dine al fresco or relax in your hot/cold spa. The 427 sf guest house serves as a fully functioning residence separate from the main house with kitchenette, bedroom and bathroom. Priced below 2024 appraisal.

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4151 E Campbell Avenue Gilbert, AZ 85234

$680,000

5 Beds

3 Baths

3,705 SqFt

Status Active

MLS # 6726991

Property Type Single Family Residence

Price Type --

Amazing residence in Rancho Collene is on the market! This 5-bedroom beauty showcases an excellent curb appeal, a 3-car garage, an RV gate, and RV parking. The interior boasts a split level with separate living areas that promote privacy, yet its half walls allow an open feel. The living room is bright & airy thanks to its abundance of windows & vaulted ceiling. The dining provides a space for holiday feasts. The fabulous kitchen features a plethora of wood cabinetry, granite backsplash & countertops, SS appliances, and an island w/breakfast bar. The sunken family room is massive & has a recessed featured wall. Upstairs, you'll find a large bonus room. The huge owner's suite has a walk-in closet and a full ensuite with dual sinks, a make-up vanity, a step-in shower, and a soaking tub. The convenient bedroom downstairs is ideal for guests or in-laws. The expansive backyard offers a covered patio and tons of room for entertaining. Don't miss this fantastic opportunity!

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22701 E Avenida Del Valle -- Queen Creek, AZ 85142

$680,000

5 Beds

3 Baths

2,799 SqFt

Status Active

MLS # 6732380

Property Type Single Family Residence

Price Type --

Contemporary 5 bed, 3 bath house with 2,800 sqft in Queen Creek's sought-after Meridian community. Built in 2018, with updated styling throughout. Enjoy a gourmet kitchen, spacious master suite, and a low-maintenance yard. The residence also boasts a 3-car garage. Experience Arizona living at its finest with access to the 5,000 sqft community pool and quick access to Queen Creek Marketplace, top-rated schools and scenic parks. This house is also pre-wired for 16 security cameras.

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10013 E Trent Avenue Mesa, AZ 85212

$680,000

5 Beds

3 Baths

2,550 SqFt

Status Active

MLS # 6735673

Property Type Single Family Residence

Price Type --

Welcome home to Trent Ave in the highly sought-after Cadence at Gateway community! Boasting all the upgrades of an almost brand new home, this open floor plan concept invites any and all who might enjoy its beauty. Featuring a light and bright kitchen, marble countertops throughout with state of the art stainless steel appliances, a low maintenance backyard, 5 bedrooms, a loft, additional game/living room and sliding glass door, there is plenty of room for all to come and enjoy. Some additions to the home include a gazebo in the backyard to provide some additional space for grilling and relaxing. But wait, there's more! Don't forget that you are not only buying the home, you are also buying the community lifestyle! This resort style community has a it all! Featuring a community pool, tennis court, basketball court, bike path, playground, community center, gym, and a dog park, not to mention close to the freeways, shopping, Legacy Sports Complex, and Mesa airport! Don't miss out on this dream come true of a home!

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763 W Estrella Drive Gilbert, AZ 85233

$680,000

4 Beds

2 Baths

2,430 SqFt

Status Active Under Contract

MLS # 6730683

Property Type Single Family Residence

Price Type --

Check out this GILBERT home, now featuring a NEW ROOF, NEW interior PAINT, NEW CARPET, and desirable North/South Exposure! This spacious 4-bedroom, 2-bath, 2,430 sq. ft. home is ideally located just minutes from the vibrant scenes of Downtown Gilbert and Chandler. In addition to a newer water heater, this home comes equipped with an automatic retractable awning and a dual-speed pool pump, providing both comfort and energy efficiency for outdoor enjoyment. Inside, the split primary suite offers ultimate privacy, complete with a nice ensuite bath and a large walk-in closet. The home is prewired with surround sound throughout, making it perfect for entertainment. Whether relaxing in the front room or enjoying the cozy fireplace in the living room, the open layout flows seamlessly into the kitchen, featuring solid granite countertops, stainless steel appliances, and ample cabinet spaceideal for hosting gatherings and making lasting memories. Step outside to your private backyard oasis, which backs onto a greenbelt, offering enhanced privacy with no rear neighbors the yard is completed with a water featured Pebble-Tec pool. Ignore days on market as we were preparing the home. Come tour today and make this exceptional property your new home!

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3115 E Verbena Drive Phoenix, AZ 85048

$680,000

5 Beds

3 Baths

3,149 SqFt

Status Active Under Contract

MLS # 6732018

Property Type Single Family Residence

Price Type --

NEW HVAC, pool & spa, large primary rm with deck overlooking the pool, gorgeous downstairs wood tile, open concept split floor plan, high ceilings, skylights, granite countertops, plantation shutters throughout, stainless steel appliances, upgraded baths, 2 bdrms, bonus rm & full bthrm downstairs, all tucked in a fabulous neighborhood, ending in a mountainside cul-de-sac. Mountain Park Ranch - WHERE THE MOUNTAIN MEETS YOU! Welcome to your new home - 5 B bdrm + office, 3 full bath home is thoughtfully updated & has it all. Live in Ahwatukee, Mt Park Ranch, a community-oriented place in close proximity to community pools, hiking and biking trails, shops, paragliding, Troon golf courses, restaurants & some of the best schools in Phoenix. A MUST SE

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11631 N 112th Street Scottsdale, AZ 85259

$680,000

3 Beds

2 Baths

1,566 SqFt

Status Active Under Contract

MLS # 6739721

Property Type Single Family Residence

Price Type --

Don't miss this gorgeous and TOTALLY remodeled home situated on an oversized cul-de-sac lot! Soaring ceilings and an open floor plan are just the beginning. A true chef's kitchen features high-end Bosch appliances including an induction cooktop & warming drawer! The large kitchen offers luxurious quartz countertops, 42'' cabinetry, a breakfast bar plus an island! This stylish home has it all... including two stacked-stone fireplaces and a brand NEW energy-efficient Air Conditioner! The resort-quality primary suite boasts a romantic fireplace plus an opulent 16' tall custom marble shower. Totally-remodeled and ready to delight the pickiest of buyers. Situated at the back of a cul-de-sac on one of the largest lots around! Prime N/S exposure. Great location!

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2357 E Ridgewood Lane Gilbert, AZ 85298

$680,000

4 Beds

3 Baths

2,551 SqFt

Status Active Under Contract

MLS # 6769191

Property Type Single Family Residence

Price Type --

Welcome to Belrose Community, where this beautiful two-story home awaits you! Providing 4 beds, 3 baths, 2-car garage, & a low-care landscape. The home exudes elegance with neutral paint, recessed lighting, and tasteful flooring - soft carpet & wood-look tile. If entertaining is on your mind, the perfectly flowing open layout will surely impress you! The modern kitchen boasts SS appliances, a walk-in pantry, quartz counters, subway tile backsplash, white shaker cabinetry, and a large island w/breakfast bar. One bedroom & one bathroom downstairs. Discover the versatile loft upstairs, ideal for a play or TV area! The owner's suite has a spotless bathroom with dual sinks & a walk-in closet. Check out the backyard with artificial turf & a covered patio, where you can relax while enjoying BBQ!

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