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

15574 W Agua Linda Lane Surprise, AZ 85374

$679,000

2 Beds

2 Baths

1,934 SqFt

Status Active

MLS # 6759404

Property Type Single Family Residence

Price Type --

Golf Course Gem on the #1 Tee Box This stunning Cholla floorplan home offers breathtaking panoramic views of Granite Falls North's picturesque golf course. Enjoy the tranquility of water features and the lush greenery of three fairways right from your doorstep Step inside to discover a beautifully appointed interior featuring plank tile flooring, skylights, and designer painted cabinets. The kitchen boasts granite countertops, black appliances, and a convenient breakfast bar. The spacious master suite features a bay window and a luxurious master bath with double sinks and a large walk-in tiled shower. The guest bedroom is extended and includes a tiled walk-in shower. Outside, you'll find an extended covered patio with built-in BBQ, fans, and stunning golf course views. Furniture Avail

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5862 N 86th Drive Glendale, AZ 85305

$679,000

4 Beds

3.5 Baths

2,726 SqFt

Status Active

MLS # 6765318

Property Type Single Family Residence

Price Type --

Stunning 4-Bed, 3.5-Bath Home Built in 2023 Welcome to your dream home! This exquisite property boasts modern elegance and thoughtful design, featuring high ceilings that create an airy and spacious atmosphere throughout. Step into the heart of the home, where the gourmet kitchen awaits. It showcases top-of-the-line appliances, an expansive island perfect for entertaining, and ample counter space for all your culinary adventures. The open layout seamlessly connects the kitchen to the living and dining areas, ideal for gatherings with family and friends. With four generously-sized bedrooms, including a luxurious master suite with a private bath, there's plenty of space for everyone. The additional bathrooms are beautifully appointed, ensuring comfort and convenience for all. Natural light floods the home through stylish window shutters, adding both charm and privacy. The backyard is a perfect retreat, offering a serene space to relax or entertain. Don't miss the opportunity to own this remarkable home that blends contemporary living with timeless appeal. tour today and experience all that this property has to offer!

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8525 E Bonnie Rose Avenue Scottsdale, AZ 85250

$679,000

3 Beds

2 Baths

1,610 SqFt

Status Active

MLS # 6766896

Property Type Single Family Residence

Price Type --

Experience the best of Scottsdale living with this centrally located gem! In close proximity to spring training camp, top-rated golf courses, Chaparral Park, fantastic dining options, Old Town Scottsdale, and Fashion Square Mall. With NO HOA fees, this property is a perfect choice for short-term rentals. Recently remodeled kitchen featuring quartz countertops & slim shaker cabinetry. Newly updated floors, recessed LED lighting, and fresh paint inside and out. Don't let this opportunity slip away!

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21295 N 74th Avenue Glendale, AZ 85308

$679,000

4 Beds

3 Baths

2,169 SqFt

Status Active

MLS # 6769999

Property Type Single Family Residence

Price Type --

This home has been meticulously cared for. Featuring 2,169 sq ft, two levels, 4 beds + den, 3 baths, 3 car garage on over a .25 acre corner lot! Endless upgrades found throughout home including upgraded cabinets, railing on staircase, plantation shutters, baseboards & crown molding. Kitchen has beautiful backsplash, granite countertops, reverse osmosis & stainless steel appliances. The oversized lot has view fencing that opens to the community greenbelt, sparkling pebble-tech salt water pool with spa, peaceful courtyard with travertine pavers, large covered patio, lush green grass area, mature trees & citrus trees, low maintenance front yard landscaping with artificial turf & exterior sunshades on all windows. Energy efficient R50 attic insulation, full west shade & fully upgraded high-efficiency 15 seer HVAC w/ warranty. You'll feel the love & care for this home the moment you walk inside. Walk or bike the extensive trail system to large park, community lakes and Sierra Verde Elementary/Middle School/STEM-Academy.

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24482 N 173rd Lane Surprise, AZ 85387

$679,000

3 Beds

3 Baths

2,187 SqFt

Status Active

MLS # 6768245

Property Type Single Family Residence

Price Type --

The views, The views, The views! That's why the current owners purchased the builder's model home just a couple of years ago that was built on a premier lake lot in the beautiful, gated community of Heritage Asante. From the back patio, sparkling pool, or fire pit area, you can enjoy one-of-a-kind beautiful sunsets, view of the lake, view of the mountains, and lovely landscaping surrounding the clubhouse, or the twinkling stars at night. The inside is just as impressive with updates throughout to showcase upgrades. The 3rd bedroom has a private bath and access to its own patio. From the wood-look plank tile floors to the kitchen with a walk-in pantry and quartz center island to the massive closets, you instantly feel at home. Come home every day to your own paradise

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233 E Angela Drive Phoenix, AZ 85022

$679,000

3 Beds

2 Baths

1,808 SqFt

Status Active

MLS # 6774515

Property Type Single Family Residence

Price Type --

This charming home features three bedrooms and two bathrooms, providing ample space for family or guests. The updated kitchen boasts modern amenities, making meal preparation a joy. All the windows are energy-efficient low-E windows, complemented by new doors throughout the home. Two of the bedrooms are particularly spacious, with the master bedroom offering a large walk-in closet for plenty of storage. The master bathroom includes a beautifully tiled walk-in shower, adding a touch of luxury. For those who work from home, there's a dedicated office space, perfect for productivity. The family room is a cozy retreat, complete with vaulted ceilings and a warm fireplace for those chilly evenings. Step outside to a backyard oasis, where a sparkling pool invites relaxation. The expansive covered patio offers a fantastic space for outdoor living and entertaining, with a lush grass area and a paver front entry adding curb appeal. Additionally, art lighting highlights your favorite pieces, and a large laundry/storage room adds functionality to the home.

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5627 W Saguaro Drive Glendale, AZ 85304

$679,000

5 Beds

3 Baths

3,360 SqFt

Status Active

MLS # 6773210

Property Type Single Family Residence

Price Type --

This beautiful remodel is a must see and features upgraded kitchen and baths, quartz water fall kitchen island, stainless steel appliances, stainless steel hood vent, vaulted ceilings, updated flooring throughout, custom handrails, 5 large bedrooms, 3 full baths, freshly painted interior/exterior, new large baseboards throughout. House is situated on oversized lot with dive pool, artificial grass. Great location to schools, shopping, and highways. This house is a must see!!

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4305 Copperhead Drive Wickenburg, AZ 85390

$679,000

2 Beds

2.5 Baths

2,176 SqFt

Status Active

MLS # 6775447

Property Type Single Family Residence

Price Type --

Incredible Opportunity Priced to Sell at $679,000! Step into this beautifully designed home featuring a customized floor plan, where a welcoming hallway opens to breathtaking views of the pristine Arizona desert through multi-paneled patio sliders. The open layout seamlessly connects the kitchen, dining, and living areas, creating an inviting space for gatherings, complemented by two ensuite bedrooms and a convenient powder room. Elegant double doors lead to the den, which features a Murphy bed, desk, and cabinets, combining style and functionality. The spacious tandem garage, with a sink, accommodates three cars. And much more!! The beautifully landscaped yard is a true oasis, complete with a secure backyard fence, enhancing privacy and outdoor enjoyment!

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21551 E Waverly Court Queen Creek, AZ 85142

$679,000

4 Beds

3 Baths

2,627 SqFt

Status Active

MLS # 6775091

Property Type Single Family Residence

Price Type --

Beautiful, well-loved home, with Next Gen suite floor plan. Attached Next Gen suite has living room, kitchen, bedroom, and laundry, with its own entrance and garage entrance. Property is highly upgraded, beautiful paint scheme with white cabinets, granite, and custom backsplashes. Located in the heart of Queen Creek, near all downtown shopping, movies, Costco, etc. Just down the street from Schnepf Farms, and the Queen Creek Olive Mill. The neighborhood is master-planned, with walking paths and several parks. Property is located at the end of a quiet cul-de-sac. This home is perfect for families of recent graduates, those with elderly relatives they want to keep close, or for anyone who needs a little guest house.

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3339 W Silverdale Road San Tan Valley, AZ 85144

$679,000

4 Beds

2 Baths

2,050 SqFt

Status Active Under Contract

MLS # 6768646

Property Type Single Family Residence

Price Type --

Dream equestrian oasis, built in 2021! This stunning single-story home on over 1.25 acres, is already fully fenced with durable pole fencing. The property boasts a flatter lot, perfect for your horses and outdoor activities, while picturesque mountain views surround this newer neighborhood. Inside, you'll find a light & airy layout with 10' ceilings & elegant 8' doors that enhance the spaciousness. Clean look cabinets & quartz countertops complement the Samsung stainless steel appliances in the modern kitchen. Luxurious wood plank tile flooring graces the living areas, while upgraded carpet provides comfort in the bedrooms. Each bathroom features custom tile, adding a touch of sophistication. With Pella windows & energy-efficient insulation, this home is as functional as it is beautiful.. beautiful. Move-in ready & lightly lived in, this property is a rare find for horse property enthusiasts. No need to wait for new construction and spare yourself the cost of upgrades that are already included in this home, waiting for you NOW!

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11122 E Sleepy Hollow Trail Gold Canyon, AZ 85118

$679,000

3 Beds

2 Baths

1,854 SqFt

Status Active

MLS # 6679120

Property Type Single Family Residence

Price Type --

This home is in a great location in Gold Canyon a corner acre lot with NO HOA and has incredible views of the Superstition Mountains! The main house has 2 full bedrooms, a den and a loft that could be converted for an additional bedroom if desired! Plus, there is a separate one room Casita with a full bath for added space and the perfect mother-in-law set up! Private pool fully fenced along with the side yard that would be perfect for your pets. Enclosed 29x11 Arizona room allows for you to enjoy the views of the Superstitions right in the comfort of your home. 3 car garage has lots of additional storage and this home is ready for your personal touches and updates. You can paint your vision and improve to your tastes as the bones are good. Call today for your own personal tour.

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3990 Crown Rock Trail Prescott, AZ 86301

$679,000

2 Beds

3 Baths

1,764 SqFt

Status Active

MLS # 6730757

Property Type Single Family Residence

Price Type --

Gorgeous home with so many thoughtful upgrades throughout. This 2 ensuite home also has a den/office/3rd bedroom. Light & bright great room with fantastic kitchen offering a large island with storage, custom 5 burner gas cooktop, built-in micro & wall oven & LED under cabinet lighting. Owner's suite has extra large bedroom, bathroom w/dual vanities & opalescent quartz tops, custom tile shower surround with bench & niche, walk in closet. The second ensuite down its own hall offering privacy. Enjoy back covered patio w/mature landscaping and extensive paver patio - area wired to add a hot tub. Plank tile throughout. Home across from open space, so enjoying the mtn views from front patio is a plus. Laundry room with custom cabinetry, granite tops & sink. 12 panel Solar is owned.

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