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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15044 N Calle Del Prado -- Fountain Hills, AZ 85268

$675,000

3 Beds

2 Baths

1,653 SqFt

Status Active

MLS # 6767549

Property Type Single Family Residence

Price Type --

This modern home has a split floor plan with fireplace, tile floors, large great room with vaulted ceilings, modern kitchen, counter seating, large built-in pantry and separate laundry room. The primary bedroom has a separate office space/sitting room with large window. The primary bath ensuite has been updated with free standing luxury tub, round glass shower and vanity with double sinks. Located on one of the largest lots in the area, it is about 1/3 acre, completely walled in with a 12' wide RV gate, a stucco storage building 12x12, with additional covered area for boat storage or RV parking. The expansive back yard has a back gate to wash/greenbelt behind property which provides privacy and no homes directly behind you. Room to build private backyard oasis. Owner related to agent.

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26647 W Covey Lane Buckeye, AZ 85396

$675,000

3 Beds

2.5 Baths

2,736 SqFt

Status Active

MLS # 6746036

Property Type Single Family Residence

Price Type --

A stunning FURNISHED Voyage floor plan, where elegance & comfort converge. Enter through a private courtyard featuring a custom wrought iron gate & tranquil fountain. Inside you're greeted by warm hardwood flooring & soaring 10-foot ceilings, creating a welcoming & spacious atmosphere. The gourmet kitchen boasts chiseled granite countertops, perfectly complemented by faux wood beams & equipped with a oversized walk-in pantry. A stone-walled foyer adds a touch of sophistication, while the media wall offers an ideal space for entertainment. An impressive owner's suite features dual spacious walk-in closets. Interior arches add a unique architectural flair. Enjoy the convenience of a golf cart garage, along w/ the luxury of a covered patio & a cozy gas fire pit. Recent exterior paint ensures this home is as beautiful on the outside as it is on the inside.

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11118 W Cumberland Drive Sun City, AZ 85351

$675,000

3 Beds

2.5 Baths

2,136 SqFt

Status Active

MLS # 6749404

Property Type Single Family Residence

Price Type --

Large home on an acre lot in Sun City. This area is a favorite of car collectors and home workshop enthusiasts. The home features vaulted ceilings, a formal living room, spacious family and dining rooms. Three large bedrooms. The free standing garage measures 38'X25' and features a work sink and half bath. Perfect man or lady cave! The extra long attached garage measures 29'X24'. Best investment in the area!

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16160 W Indianola Avenue Goodyear, AZ 85395

$675,000

4 Beds

3 Baths

3,572 SqFt

Status Active

MLS # 6751096

Property Type Single Family Residence

Price Type --

Discover luxury resort living in an ideal location close to everything. Welcome home to one of the largest homes in Pebble Creek! This property boasts over 3500sf of living space with zero maintenance yard, 3 car garage, 4 bedrooms, 3 baths, office, primary bedroom has sitting room and his and her closets, hardwood floors, vaulted ceilings, large open kitchen with island, formal dining room, breakfast nook and a cozy Arizona room off the kitchen. The solar panel's are a HUGE bonus to this gem adding to extremely low cooling bills!

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4350 E Abraham Lane Phoenix, AZ 85050

$675,000

3 Beds

2 Baths

1,661 SqFt

Status Active

MLS # 6758239

Property Type Single Family Residence

Price Type --

PRICED TO SELL.... Perfect home in Desert Ridge. This well maintained home has open concept kitchen living room space, vaulted ceilings, updated kitchen with stainless steel appliances, backyard features low maintenance artificial turf and kids play ground that conveys with the home. If you want location then this is the home for you.

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6411 S River Drive Unit 21 Tempe, AZ 85283

$675,000

2 Beds

3 Baths

2,437 SqFt

Status Active

MLS # 6755605

Property Type Townhouse

Price Type --

This is a beautiful and spacious townhome in the best kept secret community in Tempe! The Cottonwoods is a small community of 68 homes in the heart of Tempe, near all of the Valley's venues. The quick access to the freeway opens up the whole Valley to you in minutes, no matter where you may be headed, the airport is 12 minutes away. This home has 2 nice patio areas, 2 master bedrooms, a loft upstairs that is large enough for an office and or murphy bed set up for unexpected guests. So many custom touches are added into this home, you must come see. all furniture that is currently in the home can convey with home.

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50704 N 292nd Avenue Wickenburg, AZ 85390

$675,000

3 Beds

2 Baths

1,792 SqFt

Status Active

MLS # 6760426

Property Type Single Family Residence

Price Type --

5 ACRES with 360-degree view property! Breathtaking! Recently renovated Beautifully done! This is a uniquely constructed home that has been built on the top of the mountain. It has 2bdrm 2 baths with a loft, and a detached 2 car garage with carport and additional bedroom/guest room. The home has been completely updated with new kitchen cabinets, appliances windows split units new paint & fixtures. Internet tower connection to home comes with FREE internet. Has geo-thermal cooling! Along / solar panels (owned) for hot water. Wood burning fireplace and water filtration system also included. Light & Bright with windows for those incredible views, and quiet evenings star gazing. Call now to set up appointment to preview. Enjoy a True Arizona Lifestyle!

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229 E Alcatara Avenue San Tan Valley, AZ 85140

$675,000

3 Beds

2 Baths

1,928 SqFt

Status Active

MLS # 6761734

Property Type Single Family Residence

Price Type --

Welcome to Trilogy at Encanterra, a stunning Resort Community that offers a Lifestyle of Luxury and Leisure. Enjoy Exclusive Amenities such as 4 Pools and Spas, an 18-hole Private Golf Course, Pickleball, Tennis, Bocci Ball and so much more! Indulge in the On-Site Restaurant, Spa, Salon and Fitness Center. This Beautiful 3 bedroom/ 2 bath home features a Gourmet Kitchen, Spacious Bedrooms and Private Backyard Oasis. DON'T Miss the Opportunity to Experience true Resort-Style Living at its Finest. Come view this home today to witness the perfect blend of comfort and elegance in this immaculate home!! You will not be disappointed!

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19700 N 76th Street Unit 2169 Scottsdale, AZ 85255

$675,000

2 Beds

2 Baths

1,843 SqFt

Status Active

MLS # 6765007

Property Type Apartment

Price Type --

Gorgeous Village unit on a fantastic interior lot w/fresh new floors, fireplace surround, master bath, & interior paint. Spacious 2 beds plus den floor plan w/cinnamon cabinets, ss appliances, granite counters, newer ceiling fans, & large covered patio. South facing exposure and backing up to open space vs other condos make this a premium unit for your prospective buyers. The Village boasts a gated community w/3 pools, workout facility, lots of guest parking, and is extremely well managed. Location within Grayhawk means access to world class golf, shopping, dining, & easy freeway access. This unit is pristine so show it first as it may not last very long.

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805 E La Palta Street Queen Creek, AZ 85140

$675,000

3 Beds

2 Baths

1,927 SqFt

Status Active

MLS # 6759693

Property Type Single Family Residence

Price Type --

Resort Living in gorgeous Encanterra at the base of the San Tan Mountains. A Lifestyle that offers it all. Pickleball courts, tennis courts, bocce ball, 4 pools, spa, fitness center, restaurants, not one but two beautiful clubhouses. Last, but not least the stellar Tom Lehman designed golf course. Or you can also just sit back, relax in your own backyard or the many peaceful park like settings in the community. Now...here is the best part...how about an amazing home to go with the lifestyle? So many fun details! Sought after ''Nice'' floorplan with a rare third bedroom. South facing backyard floods the house with natural light. Desert landscape buffer between you and your neighbor for additional privacy. Covered patio, a multiple purpose room used for office and utility space. Split bedroom floor plan. Open concept living at its best. Come see this well-maintained home, you won't be disappointed.

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21320 N 56th Street Unit 1085 Phoenix, AZ 85054

$675,000

2 Beds

2 Baths

1,884 SqFt

Status Active

MLS # 6761032

Property Type Apartment

Price Type --

Spectacular 2 bedroom + office/den condo in the gated community of Bella Monte! Maple cabinets, slab granite and custom tile backsplashmake this kitchen pop! Gas & electric, enjoy premium cooking and a fireplace. Extra ordinary features include raised ceilings, walk in master shower, 2 cargarage, & covered patio.

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12603 W Blackstone Lane Peoria, AZ 85383

$675,000

5 Beds

4 Baths

2,943 SqFt

Status Active

MLS # 6762420

Property Type Single Family Residence

Price Type --

Beautifully Upgraded 5 Bed 4 Bath home with attached Casita with a separate entry door. This move in ready home has 2943 Sqft. of total living space. There is one bedroom on the main floor, along with a separate bathroom that has a shower/tub combo. The Casita has an additional bedroom. The kitchen includes Granite Countertops, Stainless Steel kitchen appliances, upgraded kitchen cabinets, a spacious pantry, and kitchen island with separate breakfast bar. and a separate formal dining room. There is a large Great room for family enjoyment too. Upstairs has 3 bedrooms and a good sized loft with a separate small workspace/craftroom . The laundry room comes with extra storage cabinets. The backyard provides an extended covered patio with paver flooring. Next to it is a built -in, gated, private pool with water feature. The garage has built-in cabinets and a water softener connected to the main waterline. Located in the sought-after Vistancia community, residents enjoy access to a plethora of amenities including parks, trails, a gym, 3 pools, waterslides, tennis & pickleball courts!

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