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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20230 W Hollyhock Street Buckeye, AZ 85396

$676,995

4 Beds

3.5 Baths

2,840 SqFt

Status Active

MLS # 6697536

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-slide 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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22701 E Saddle Way Queen Creek, AZ 85142

$675,990

5 Beds

3.5 Baths

2,623 SqFt

Status Active

MLS # 6740882

Property Type Single Family Residence

Price Type --

**This is a TO-BE-BUILT LISTING, this home is ready for personalization and can be built on your choice of homesite. This is an advertisement of our base price for this elevation and lot premiums may apply** Welcome to Ashton Woods newest community in Queen Creek - Madera Marquis - which features outstanding community amenities and convenient access to the 24 freeway and shopping. The open concept Diamond plan is highly sought after floorplan with 5 bedrooms and 3.5 baths. Options for structural upgrades include adding a a sixth bedroom, two additional bathrooms, 12'' sliding glass door and so much more. This home includes an open concept kitchen with granite countertops, 42'' upper cabinets, and stainless steel appliances. Amazing spa like primary suite with dual vanities, ample linen storage and separate tub and shower. This floorplan is accompanied by an oversized den and sizable secondary bedrooms with walk in closets. This home comes standard with 9' ceilings, front yard landscaping, paver driveway, and much more! ~There is a minimum option spend requirement on new build homes, please reach out to the sales office for additional details.~

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17966 W Highland Avenue Goodyear, AZ 85395

$675,500

4 Beds

3 Baths

2,343 SqFt

Status Active

MLS # 6726612

Property Type Single Family Residence

Price Type --

Welcome to Alicante at Sedella gated community! This 4 bedroom, plus den is the popular Lark model, which is a unique single story home featuring a social living area. The kitchen opens into the great room and dining area, and includes 16 ft multi slider that blends the indoor and outdoor living spaces. The large, oversized backyard features a salt water pool, an 8ft RV gate and RV parking a large variety of trees and grass.

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6981 State Route 260 Lane Show Low, AZ 85901

$675,000

3 Beds

2 Baths

1,851 SqFt

Status Active

MLS # 6744472

Property Type Manufactured Home

Price Type --

Endless possibilities for horse enthusiasts! Nestled on 5 acres in the scenic White Mountains, just off Hwy 260, this property offers both comfort and potential. The main residence is a well-maintained 3-bedroom, 2-bath manufactured home with vaulted ceilings, a spacious kitchen, and a large front deck, perfect for enjoying the tranquil surroundings. Additionally, there's a 900 sq ft Quonset hut with 1 bedroom, 1 bath, a cozy kitchen, and a wood-burning stove—ideal for guests or as a rental opportunity. The property also includes a 900 sq ft metal garage, an 8x25 storage container, and a private well with two storage tanks. Whether you're looking to create a peaceful retreat or a functional horse property, this estate has the space and amenities to make your vision a reality.

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48336 N 27 Avenue New River, AZ 85087

$675,000

4 Beds

2.5 Baths

2,126 SqFt

Status Active

MLS # 6751295

Property Type Single Family Residence

Price Type --

Beautiful 3 BD. plus Den, 2.5 BR. home with 2 car garage. Large open kitchen/great room with 10 foot ceiling. Premium cabinets, granite counter tops, huge kitchen island, stainless steel appliances, pantry, large master suite with a walk-in shower, dual vanities, access to the laundry room. Additional upgrades include, tile plank flooring, 8 foot doors, upgraded hardware/lighting, large laundry room, energy efficient 14 Seer HVAC, dual pane low-E windows and R-38 cathedral attic insulation. Upgrades made by the current owner: fence and side gates around backyard, landscape rock in front of the back yard, installing pavers, turf, security gate, epoxy in garage, solar panels, back splash in kitchen, cabinets and tool storage in the garage, storage shelves in laundry. No HOA.

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2377 N 156th Drive Goodyear, AZ 85395

$675,000

4 Beds

2.5 Baths

2,493 SqFt

Status Active

MLS # 6761055

Property Type Single Family Residence

Price Type --

Beautiful home nestled in Portales Palm Valley gated community. This stunning 4-bedroom plus den/office with glass french doors for privacy, 2.5-baths. The spacious layout boasts a modern open-concept design, perfect for both entertaining and everyday living. The gourmet kitchen features top-of-the-line appliances, including gas range, quartz countertops, extended island open to large great room, a true chef's delight. Eat in kitchen nook. The luxurious master suite is a private retreat, walk in tile shower, dual sinks and walk-in closet. Additional bedrooms are generously sized w/ ceiling fans, providing ample space for family or guests. Step outside to your tranquil backyard lush landscaping, 2 built in bbq's, concrete island, lightening for that elegant ambience feel. 10' ceilings, Water Softener, Reverse Osmosis system, New Water Heater, Wine fridge, Kitchen and Bath countertop recently upgraded, New Kitchen Hood and range ( kitchenaid ), Second bath fully remodeled, New Paint in all interior, including garages, New Exterior paint (2023), Smart thermostats, 3 HVAC control areas, Smart two car garage opener, Celling fans in every room, Propane Griddle and charcoal grill included, Fully automatic Irrigation system, Close circuit hard wired Cameras, Alarm sensors in all windows and doors, Smoke and CO2 Sensors. Conveniently located close to premier shopping centers and major freeways, this home offers the perfect blend of tranquility and accessibility. Enjoy the benefits of community amenities, including well-maintained common areas. Don't miss the opportunity to make this exquisite property your forever home. Experience the epitome of luxury living!

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13225 W Horsetail Trail Peoria, AZ 85383

$675,000

4 Beds

3 Baths

2,414 SqFt

Status Active

MLS # 6774679

Property Type Single Family Residence

Price Type --

Discover Your Dream Home with Breathtaking Mountain Views! This newly built 2022, 4-bedroom, 3-bath, Den, 2.5 car garage & front patio home is designed for modern living, offering mountain views and array of features that will make you fall in love at first sight. Step inside to be greeted by soaring 12-foot ceilings and a spacious great room, perfect for entertaining. Wood plank tile flooring flows seamlessly throughout the home, adding warmth and elegance. The heart of the home is the gourmet kitchen, boasting white cabinets with crown molding, a decorative tiled backsplash, luxurious granite countertops, expansive island with breakfast bar & built-in microwave & wall ovens. Double slider patio doors invite you to step outside and enjoy the low-maintenance synthetic turf and extended paver patio for additional seating. The property backs to a common area with no neighbors behind you to enhance your privacy. The community offers a 5300 sf community center - THE SOVITA CLUB -Surrounded by EPIC views, The Sovita Club - a recreation center and 10-acre amenity park Club features a resort-style pool, catering kitchen, movement and fitness on-demand studio, a multi-use turf court and basketball court, resident entertaining and gathering spaces, event lawns, and kids outdoor play zone. YOUR DREAM AWAITS!!!

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2713 S Hansen Drive Gilbert, AZ 85295

$675,000

4 Beds

2.5 Baths

3,255 SqFt

Status Active Under Contract

MLS # 6763057

Property Type Single Family Residence

Price Type --

Welcome to your dream home! With fresh paint and new flooring throughout, this beautiful 4 bedroom, 2.5 bath home is ready for you to move in and make it your own. Relax in the large gathering room with surround sound, perfect for movie nights or entertaining guests. The open layout flows seamlessly into the kitchen where you can enjoy new appliances, a large island for meal prep, and ample storage to keep everything organized. Enjoy a luxurious primary suite with a split vanity bathroom and large walk in closet. The upstairs second bathroom features double sinks and a separate shower room, perfect for busy mornings. The versatile bonus room is pre-wired for a movie room or can serve as a playroom, exercise room, or 5th bedroom. Step out to your backyard oasis with two covered patios, garden area and outdoor fireplace, perfect for year-round gatherings or cozy relaxation. Whether you're a DIY enthusiast or need extra storage, the amazing garage workshop area and slatwall storage system are the perfect blend of functionality and convenience. An office adds extra flexibility for work or leisure, while abundant storage throughout the home ensures everything has its place. Located in a coveted Gilbert community with two community pools and gorgeous parks, you're minutes away from upscale shopping, top rated schools and freeway access. Don't miss your chance to own this beautifully updated home with all the features you desire!

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171 W Flagstone Place Casa Grande, AZ 85122

$675,000

3 Beds

3 Baths

2,753 SqFt

Status Active

MLS # 6699795

Property Type Single Family Residence

Price Type --

AMAZING SINGLE LEVEL HOME IN DESIRED COYOTE RANCH SUBDIVISION!! WALK INTO A LARGE FORMAL LIVING/DINING ROOM WITH BEAUTIFUL VIEW TO THE RESORT LIKE BACKYARD.SPACIOUS KITCHEN INCLUDES STAINLESS STEEL APPLIANCES,NEW WALL OVEN/MICROWAVE, GRANITE COUNTERTOPS, HUGE ISLAND AND R/O WATER SYSTEM IN KITCHEN. WATER SOFTNER AND CENTRAL VAC. SPACIOUS MASTER SUITE WITH LARGE WALK-IN CLOSET AND DOOR THAT EXITS TO EXTENDED COVERED PATIO. BEAUTIFUL MASTER BATH WITH GLASS BLOCK SNAIL SHOWER, DOUBLE VANITY, SEPARATE TUB AND PRIVATE TOILET. HUGE LOW MAINTENANCE LUCIOUS BACKYARD WITH DESIGNED DESERT LANDSCAPE. EXTENDED COVERED PATIO. NEWLY REPLACED POOL EQUIP & REFINISHED AMAZING POOL WITH ROCK FOUNTAIN IN THE POOL, WATERFALL AND ROCK FORMATION WATER SLIDE.

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15236 N 20th Place Phoenix, AZ 85022

$675,000

3 Beds

2 Baths

1,475 SqFt

Status Active

MLS # 6696568

Property Type Single Family Residence

Price Type --

Discover the opportunity of a lifetime - your very own dream vacation rental property is now available for sale! Indulge in the sheer luxury of this fully furnished vacation home, where every detail has been meticulously curated to create an inviting and comfortable ambiance. From the cozy living room to the fully equipped kitchen, this property ensures your guests have all they need for a memorable stay. Luxurious bedrooms and tasteful décor, your guests will find the utmost comfort and relaxation. Rest easy knowing that this vacation rental property has been meticulously maintained.: Pool Heater HVAC and Roof all new in 2022. Turnkey opportunity for the new owner. Not into vacation rentals, this is a perfect family home on a quiet cul-de-sac near Lookout Mountain! No HOA!

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16159 W Granada Road Goodyear, AZ 85395

$675,000

3 Beds

2.5 Baths

2,564 SqFt

Status Active

MLS # 6723929

Property Type Single Family Residence

Price Type --

Gorgeous 3 beds, 2.5 bath with a den/office single level home with all the bells and whistles! Open concept kitchen flows out to the great room for easy entertaining. Elegant granite countertops, large kitchen island, maple cabinets, upgraded drawer/cabinet pulls, stainless steel appliances, and recessed lighting. Upgraded tray ceilings in formal dining room & master bedroom, TWO fireplaces, and private courtyard entrance. Master bathroom offers a separate shower & soaking tub, and dual sinks, and walk in closet. Easy to maintain backyard complete w/ pavered area & walkway. Walking distance to community greenbelts & play area. This home is truly move in ready!

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3059 E Rose Lane Phoenix, AZ 85016

$675,000

2 Beds

2 Baths

1,185 SqFt

Status Active

MLS # 6741677

Property Type Townhouse

Price Type --

Welcome to this charming golf course bungalow! Turnkey and ready for you to move-in! This 2 bed, 2 bath townhouse is located in the Biltmore Courts and overlooks the 11th tee box on the Arizona Biltmore Links Golf Course! The home has been recently renovated. New paint, new kitchen appliances, new cabinets, new quartz countertops, new bathroom tile, new carpet and new light fixtures! The property was also meticulously maintained by previous owners who only utilized it seasonally. Through every window in the home you have mountain views of Camelback, Phoenix Mountain Preserve and Piestewa Peak! Enjoy your evenings on the peaceful patio watching golfer tee off, an infamous arizona sunsets over the course as well as the downtown lights once the sun goes down. It's truly an oasis! You'll also get to enjoy the tennis/pickleball courts, heated pool, exercise room and Clubhouse, just steps away from your front balcony.

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