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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7180 E Kierland Boulevard Unit 204 Scottsdale, AZ 85254

$679,900

1 Bed

1 Bath

773 SqFt

Status Active

MLS # 6701124

Property Type Apartment

Price Type --

PRICE IMPROVED! Don't miss out on this AMAZING opportunity to own a FULLY FURNISHED home at Optima Kierland, the ultimate in luxury lifestyle starts here! Urban walkability and resort style amenities await you. Luxurious one bedroom suite with floor to ceiling windows & a glass door that opens to a large covered terrace with gorgeous courtyard views! Stainless steel Bosch appliances, gas cooktop and full size stacked washer and dryer. Amenities include a rooftop pool and spa, running track, cabana seating,state of the art fitness center, locker rooms, hot/cold plunge, sauna & steam rooms,massage room, indoor basketball court, gaming room, golf simulator, putting area, bocci ball, business center, conference rooms and so much more. Walking distance to Scottsdale Quarter & Kierland Commons

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1412 N Bernard -- Mesa, AZ 85207

$679,900

4 Beds

3 Baths

2,752 SqFt

Status Active

MLS # 6703900

Property Type Single Family Residence

Price Type --

Step into luxury living with this stunning 3-bedroom plus den, 3-bathroom oasis boasting breathtaking mountain views. Nestled in a serene neighborhood, this home offers more than just comfort—it offers an experience. As you enter, natural light floods the spacious den, perfect for a home office or cozy reading nook. Glide into the heart of the home, where a chef's kitchen awaits, adorned with granite countertops, an expansive island, and top-of-the-line appliances. Whether you're whipping up a gourmet meal or hosting a gathering, this kitchen is your culinary sanctuary. Easy access to the 202. Relaxation knows no bounds in the master suite, complete with its own ensuite bathroom and a private patio overlooking the pool and majestic mountains beyond. Two additional bedrooms offer ample space for family or guests, each designed with comfort in mind. Step outside into your personal paradise, where a sparkling pool awaits refreshment on warm summer days. Entertain under the stars on the expansive patio, or simply soak in the tranquil ambiance of the surrounding landscape. Convenience meets luxury with the addition of an RV gate, providing easy access for all your outdoor adventures. Whether you seek relaxation, adventure, or simply a place to call home, this property offers it all. Live the lifestyle you deserveschedule your showing today.

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10633 E Sheffield Drive Mesa, AZ 85212

$679,900

3 Beds

2.5 Baths

2,475 SqFt

Status Active

MLS # 6726269

Property Type Single Family Residence

Price Type --

Welcome to your oasis in Mesa's Eastmark community! Showcased like a MODEL home by the ORIGINAL owners, this stunning residence offers the opportunity to own a highly desirable floor plan that rarely becomes available. Enjoy the spacious layout featuring 3 bedrooms PLUS a den, ideal for today's lifestyle. The gourmet kitchen boasts DOUBLE ovens, GAS range, stainless steel appliances, and a large island, complemented by a charming white subway tile backsplash. Relax in the luxurious master suite featuring a huge walk-in shower, dual sinks, and a walk-in closet with direct access to the laundry room. All enhanced by wood plank-look tile flooring throughout. Outside, entertain effortlessly with a built-in barbecue, bar/counter seating, and an in-ground spa surrounded by travertine! set amidst a manicured, low-maintenance backyard. Why wait months for a builder when you can have this like-new beauty complete with modern custom upgrades!

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2851 N Ricardo -- Mesa, AZ 85215

$679,900

3 Beds

2 Baths

2,691 SqFt

Status Active

MLS # 6750965

Property Type Single Family Residence

Price Type --

BACK ON MARKET-SELLER WILL PROVIDE UP TO $20,000 FOR BUYERS CLOSING COSTS AND/OR INTEREST RATE BUY DOWN with acceptable offer. Beautiful home in great northeast Mesa location. Just minutes from the Salt River and near shopping and entertainment centers. Brand new roof with 30 year transferable warranty, large 3 car garage with upgraded electric, ramada, large covered patio, open paver patios, large private back yard with water feature. The interior has an open floorplan with vaulted ceilings, fireplace, french doors, MB with bath large walk in shower, updated kitchen with large island, granite counters and custom backsplash, custom built ins, upgraded lighting, 2'' wood blinds, and wood look tile flooring. Owner occupied. Please give 1 hour notice to show. Agent is related to seller.

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10505 E Cinnabar Avenue Scottsdale, AZ 85258

$679,900

3 Beds

2.5 Baths

2,079 SqFt

Status Active

MLS # 6759856

Property Type Townhouse

Price Type --

*SELLER IS MOTIVATED* Discover this beautifully updated single-level home with an exceptional floor plan offering 3 bedrooms and 2.5 baths, including two ensuite bedrooms for added privacy and convenience. There's also a versatile third room that could function as a bedroom, den, or office, complete with its own half bath. Located in the highly desirable Heritage Village IV, part of the vibrant 55+ Scottsdale Ranch community. Meticulously maintained and thoughtfully upgraded, the property features newer flooring, fresh paint, an upgraded kitchen, and a fully renovated master walk-in closet. The outdoor patio, complete with new pavers, beautiful landscaping, a lemon tree, and a retractable awning, provides a peaceful retreat. Heritage Village IV offers access to amenities like heated pools, spas, tennis courts, and a clubhouse. Residents also enjoy access to the 42-acre Lake Serena for boating and recreation. With vaulted ceilings, natural light from skylights, a wet bar ideal for entertaining, and close proximity to Scottsdale's best dining and shopping, this home offers both style and comfort in a vibrant, active community.

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10337 E Brown Road Mesa, AZ 85207

$679,900

3 Beds

2 Baths

2,238 SqFt

Status Active

MLS # 6756063

Property Type Single Family Residence

Price Type --

**PRICE REDUCED! HORSE PROPERTY, AMAZING INVESTMENT POTENTIAL WITH RU43 ZONING! Welcome to this expansive 3-bedroom, 2-bathroom ranch-style home in Mesa, sitting on OVER AN ACRE OF LAND! With 2,238 sq. ft. of living space and a total lot area of 46,623 sq. ft., this property is perfect for those seeking space, privacy, and versatility. As you enter, you'll notice the tile flooring throughout the house, adding durability and a cohesive look. The spacious living and dining areas provide ample room for gatherings and family time. The kitchen features a convenient island and plenty of cabinets, making it ideal for cooking and storage. The bedrooms are generously sized, with the primary suite offering a walk-in closet and a bathroom with double sinks for added comfort. There's also an indoor laundry hookup for your convenience. The exterior boasts a huge covered patio, ideal for outdoor entertaining or relaxing in the shade. The roof was updated in 2016, and the brand-new A/C unit ensures the home stays cool year-round. The water heater was replaced in 2023, giving you peace of mind. This property is a horse lover's dream, featuring a stable and corral with plenty of space for riding or caring for animals. An additional garage and shed provide extra storage, and with over an acre of land, there's ample room for expansion or customization. There's also potential to convert part of the home into a separate apartment, creating opportunities for rental income or multi-generational living. The motivated seller is ready to make a deal, so don't miss out on this fantastic opportunity to own a spacious, versatile property in a great Mesa location.

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1754 E Cotton Court Gilbert, AZ 85234

$679,800

4 Beds

2.5 Baths

2,903 SqFt

Status Active

MLS # 6698772

Property Type Single Family Residence

Price Type --

Beautifully updated and well-maintained home in beautiful Val Vista Meadows. Enjoy entertaining in this open floor plan. Formal living room and dining room. Large loft upstairs for family fun! Brand new tile, and carpeting! Home fresh custom paint. Travertine tile in the backyard and pathway to the front. Extended patio cover on the back to cover section right outside the master bedroom! New outdoor carpet on the patio. Newer Zoned AC units! The diving pool stays cool in the heat! New upgraded tile on the ground floor with stain-resistant grout. New carpet! New LED fans and light fixtures throughout! The home is located on the street with Cul de sac. This home is pristine!

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15221 N Clubgate Drive Unit 2021 Scottsdale, AZ 85254

$679,500

3 Beds

2 Baths

1,849 SqFt

Status Active

MLS # 6769487

Property Type Apartment

Price Type --

3-bed, 2-bath unit in Kierland Greens with a spacious open layout, featuring a neutral palette, classic plantation shutters, soft carpeting, air scrubber, new water heater and a cozy fireplace. The gourmet kitchen boasts ample wood cabinetry, recessed lighting, stainless steel appliances, a pantry, and a breakfast bar for quick meals. Double French doors open into a versatile den, perfect for an office or bedroom. The primary bedroom includes an ensuite with double sinks and a walk-in closet with mirrored doors. Two balconies offer scenic views of the neighborhood, allowing for peaceful outdoor moments. The community overlooks Kierland Golf Course and offers a refreshing pool, spa, fitness center and common areas. It has had one original owner and meticulously kept maintenance records.

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2185 W Highridge Road Wickenburg, AZ 85390

New

$679,500

3 Beds

2 Baths

1,886 SqFt

Status Active

MLS # 6780211

Property Type Single Family Residence

Price Type --

HORSE PROPERTY ON 2.2 ACRES IN HIGH END SUBDIVISION. NO HOA! Kick off you boots and relax in this incredible Santa Fe home with PANARAMIC views of Vulture Peak. 3 BR/2 BA. Open, SPLIT Floorplan with Bee Hive Fireplace. Wood Doors. Owners bedroom has private entrance and full ensuite. Kitchen has plenty of storage and view of the desert. Owners bedroom has private entrance and full ensuite./walk-in closet. CLOSE TO TOWN AND ROPING. OVERSIZED 3 Car Garage! Customize the horse set up to YOUR liking. AMPLE PARKING IN THE CIRCULAR DRIVE. BRING YOU TOYS AND CAMPER. COVERED PATIO AND FENCED YARD. PRICE FOR A QUICK SALE.

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3149 S Sierra Heights Mesa, AZ 85212

$679,500

5 Beds

3 Baths

3,360 SqFt

Status Active

MLS # 6766708

Property Type Single Family Residence

Price Type --

WELCOME HOME! This AMAZING property is situated on a corner lot and offers ample interior and exterior space. Equipped with a large RV gate, you can easily get your toys pulled in, with exterior 220v outlet. The back yard is an oasis featuring ,a waterfall, gazebo, putting green. All with plenty of space to expand! Relax in your private Master suite featuring your own private deck to enjoy those cool evenings. This home is a 5 bedroom 3 bath home with plenty of space for your family. This home also features NEW windows, new flooring, new roof, new doors, and the pool was recently resurfaced adding to the value of this home. It is truly a must see!

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3981 N 155th Avenue Goodyear, AZ 85395

$679,300

4 Beds

3 Baths

3,401 SqFt

Status Active

MLS # 6755011

Property Type Single Family Residence

Price Type --

Exiced to introduce the GEM of pebblecreek subdivision to public. This nice floor offers 3401 square feet with 4 bedrooms and 3 bath. Formal dining room, Office room, fireplace, 3 car garage, oversized laundry with state of the art design. Complete renovation done to the house with licensed contractor. House is completely redone from top to bottom.

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5812 E Rose Garden Lane Phoenix, AZ 85054

$679,000

3 Beds

2.5 Baths

1,962 SqFt

Status Active

MLS # 6725297

Property Type Townhouse

Price Type --

IGNORE DAYS ON MARKET HOMES ARE ALMOST DONE PICTURES COMING SOON! ''I wish I could find a home with a great floor plan in a nice and new neighborhood and at a good price...'' LOOK NO FURTHER!! Not only does this home have what you are looking for, but it has even more! Located on corner near a cul-de-sac you will not need to worry about feeling squished in your new home. This is a new construction home that is on track to be completed in September. With quartz countertops, white cabinets and warm colored wood-like tile there is no surprise why this home is trending. Actual photos coming soon!

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