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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2719 E Sourwood Drive Gilbert, AZ 85298

$688,900

4 Beds

3 Baths

3,292 SqFt

Status Active

MLS # 6764852

Property Type Single Family Residence

Price Type --

This approximately 3200 square foot home features four bedrooms and three bathrooms. The spacious layout offers abundant natural light and a neutral color palette throughout, complemented by brand new carpet and tile flooring. The kitchen is equipped with ample cabinetry and modern appliances, providing a functional and inviting cooking space. The home boasts a tranquil setting, with a serene lakefront park and lush landscaping surrounding the spacious outdoor area. The extended covered patio and expansive yard create an ideal environment for relaxation and leisure, with mature shade trees enhancing the natural ambiance. The interior spaces include several generously-sized rooms, a loft, and den, each featuring ceiling fans to promote air circulation and comfort. The vibrant community and desirable neighborhood surrounding the property offer a serene and welcoming atmosphere, catering to a variety of lifestyle preferences. Easy freeway access and close to shopping, dining, and the new Gilbert Regional Park.

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7120 E Kierland Boulevard Unit 316 Scottsdale, AZ 85254

$688,888

1 Bed

1 Bath

770 SqFt

Status Active

MLS # 6726806

Property Type Apartment

Price Type --

Indulge in the epitome of luxury living at 7120 Optima Kierland, where this stunning 1 bedroom, 1 bathroom condo offers a blend of sophistication and an array of world-class amenities. This residence is ideally situated near Scottsdale Quarter & Kierland Commons, providing easy access to premier dining, shopping, and entertainment options. Step inside to discover an open and airy living space with floor-to-ceiling windows, high end appliances, a stunning kitchen and beautiful bedroom. Residents can enjoy a fully equipped gym, locker rooms, business and conference rooms, and a party room with a kitchen for hosting gatherings. Entertainment options abound with a golf simulator, basketball and squash court, and a massage room for relaxation. The Sky Deck offers a resort-style experience with a pool, spa, additional BBQs, and fire pits. Constructed with post-tension concrete and dual-pane low-E glass, this condo ensures peace and quiet amidst the vibrant city ambiance. Secure underground parking. Whether you're seeking a permanent residence or a vacation retreat, the 7120 Optima Kierland building promises an unparalleled lifestyle.

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18738 E Ryan Road Queen Creek, AZ 85142

$688,588

5 Beds

2.5 Baths

2,545 SqFt

Status Active

MLS # 6705379

Property Type Single Family Residence

Price Type --

Great open floor plan with north/south exposure and close to Power Rd, offers convenience and accessibility to shopping, freeways, and excellent schools. Stepps away from the community park and swimming pool. Granite, pantry, island, built in microwave opens to very large family room with additional bonus room beyond! 5th bedroom downstairs. Master Suite upstairs with walk in shower, separate tub and dual sinks with granite counters. Huge walk in closet. Second bath also boasts granite counters. This is truly a wonderful home for your family!

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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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1206 W J Waltz Way Apache Junction, AZ 85120

New

$686,116

5 Beds

3 Baths

3,234 SqFt

Status Active

MLS # 6781093

Property Type Single Family Residence

Price Type --

Discover the exceptional difference in your home-buying experience! Welcome to Mariposa at Blossom Rock, Imagine an open-concept floor plan featuring a warm and welcoming kitchen that flows into a bright, airy great room. This space opens up to your private, covered outdoor room - perfect for relaxing or entertaining. Convenience of the 3-car garage and a nice 8000 SQ FT Homesite. With 4 spacious bedrooms, 3 baths, a great room with a dining area, a flexible office space and separate hobby room, this home has everything! Plus, we're including $52,000 in stunning upgrades to make this home truly special, and we're offering special financing to help. Home completion is estimated in December 2024.

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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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