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

14023 W Monte Vista Road Goodyear, AZ 85395

$675,000

5 Beds

3 Baths

2,976 SqFt

Status Active

MLS # 6774191

Property Type Single Family Residence

Price Type --

Pristine, better-than-new gem in sought-after Palm Valley! Experience effortless flow & abundant natural light throughout. Whip up culinary masterpieces in the spacious kitchen complete with an expansive island just perfect for gatherings for breakfast with the family or a social spot for chatting and sipping vino. Use the versatile & flexible loft as an office, workout room, or game room—tailor it to your lifestyle. From elegant plantation shutters to stunning wood plank tile flooring, every detail has been meticulously chosen. Resort-like backyard features a sparkling pool, easy care turf & covered, extended patio. Community perks include a golf course & community pool. Why wait for new... this home is truly done to the nines so don't miss your chance to own this slice of paradise!

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15240 N Del Ray Drive Fountain Hills, AZ 85268

$675,000

3 Beds

2 Baths

1,343 SqFt

Status Active

MLS # 6775272

Property Type Single Family Residence

Price Type --

Looking for the perfect ''lock-and-leave'' home where you can stargaze every night? Look no further! This beautifully updated property boasts a fully remodeled interior, including new floors, kitchen, and bathrooms, so all you need to do is unpack. With 3 cozy bedrooms and 2 bathrooms, this home is designed for comfort. The backyard is perfect for entertaining year-round, featuring a pool, covered patio, gazebo, and hot tub. Enjoy ultimate privacy with the serene desert wash right behind you. The open kitchen and living area create an inviting space for relaxation. Nestled in a peaceful neighborhood, you'll love the tranquility of this quiet community. As the ''snowbirds'' flock to Fountain Hills for the ideal Arizona season, this home is the perfect getaway.

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17166 W Alice Avenue Waddell, AZ 85355

$675,000

4 Beds

3 Baths

2,542 SqFt

Status Active

MLS # 6775606

Property Type Single Family Residence

Price Type --

Built in 2019 by semi-custom home builder, Elliot Homes, you'll see the luxury displayed in every aspect of this home. Open and inviting living and dining area surrounding the gourmet chef's kitchen keeps all your family and friends together for fun days and relaxing nights. Oversized 16 foot sliding glass doors lead to the resort-like backyard with custom pool and baja step for relaxing in the sun. The entire extended back patio and surrounding pool deck is coated in a non-slip rubber coating that lets you enjoy the entire outdoor area without burning your feet, you simply have to check it out! With almost $100,000 in upgrades and landscaping, living in this home will make you feel like you're living at a resort! The children's play park is located diagonally across the street 🙂

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1954 E Missouri Avenue Phoenix, AZ 85016

$675,000

3 Beds

2 Baths

1,492 SqFt

Status Active

MLS # 6775008

Property Type Single Family Residence

Price Type --

Biltmore - 20th ST & Missouri Ave! Complete renovation of this red brick, 3 bedroom, 2 bath home situated an oversized 12,000 SF irrigated lot. This floor plan is a true entertainer's delight! The wall of glass is a beautiful transition to the outdoor living space surrounding a sparking pool nestled amongst mature fruit bearing citrus trees. The home boasts stained concrete floors, quartz countertops, re-finished cabinetry, new stainless appliances. Even a water softener! New recessed lighting and fixtures throughout the home. New garage door, entrance and interior doors, exterior gates and all fixtures. Flood irrigation keeps grass green year round for $150/yr! Panel upgrade. Treat yourself to a twilight sunset showing, views of Piestewa Peak are breathtaking.

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1600 W Ashley Way Flagstaff, AZ 86005

$675,000

3 Beds

2 Baths

1,612 SqFt

Status Active

MLS # 6775662

Property Type Single Family Residence

Price Type --

Step into this beautifully designed 3-bedroom tucked away among towering ponderosa pines on a private cul-de-sac of the desirable University Highlands neighborhood. The open-concept kitchen features elegant quartz countertops with a waterfall edge, maple cabinets, stainless steel appliances, and a breakfast bar. The kitchen seamlessly connects with the warm living room that has vaulted ceilings and a gas fireplace. The living room takes you to the spacious covered patio that sits high up in the trees giving you a sense of peace and privacy! This home has a split floor plan with the primary suite situated at the back of the house, complete with a private deck that gives backyard access. The large walk-in closet has custom built-ins and is well suited for your entire wardrobe. A luxurious primary bath has an executive height counter, dual vanity, and a shower with a trio of high-end fixtures. Did we mention there is a giant crawlspace that could easily be converted to a sizeable workshop? All this with no HOA and a close proximity to NAU, town and amenities.

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6506 W Bent Tree Drive Phoenix, AZ 85083

$675,000

4 Beds

3 Baths

3,131 SqFt

Status Active

MLS # 6776376

Property Type Single Family Residence

Price Type --

Welcome to your 4bed/3bath desert mountain paradise! Meticulously designed interior boasts a bright living room, formal dining room, & a large bonus room enhanced by bamboo flooring throughout, double-height ceilings, & windows that allow abundant natural light to flood the space. The designer farmhouse kitchen comes complete w/ recessed lighting, SS appliances, quartz counters, shiplap backsplash, RO system & gas stove. HUGE loft is ideal for an entertainment area or child's play room. Discover the main retreat, featuring a private balcony, an ensuite w/dual sinks, a soaking tub, & a walk-in closet. Enjoy peaceful mornings on the balcony w/mountain views & seasonal hot air balloons on this premium lot. The spacious backyard includes a covered patio, play area, natural grass, & a fire pit

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15151 N 100th Way Scottsdale, AZ 85260

$675,000

3 Beds

2 Baths

1,691 SqFt

Status Active Under Contract

MLS # 6745447

Property Type Single Family Residence

Price Type --

[Motivated Seller] This charming single family Residence in Mirada at Scottsdale Horizon (subdivision) backs to the Central Arizona Project Canal and is surrounded by mature trees. Travertine tile floors and baseboards; laminate floors in great room off the kitchen; maple cabinets, granite tile countertops, stainless steel hardware, sink & appliances, open design kitchen with breakfast bar; large, master bath with soaking tub, (tumbled stone surround) and shower w/glass doors, dual vanities and two master closets. Sliding door to covered patio and extended seating area. Private back yard with mature landscaping and oleander trees along the perimeter.

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1239 E El Camino Drive Phoenix, AZ 85020

$675,000

3 Beds

2.5 Baths

2,110 SqFt

Status Active Under Contract

MLS # 6753465

Property Type Single Family Residence

Price Type --

Located on a cul-de-sac with NO HOA, this beautifully remodeled home offers thoughtful updates and is sure to impress! This stunning home has 3 bedrooms, 2.5 baths, and 2,110 sqft of modern living space, complemented by luxury vinyl flooring throughout. Upon entry, you'll discover a bright living room, a formal dining area, and a kitchen designed for both functionality and style. The gourmet kitchen is equipped with a farmhouse sink, soft-close white cabinetry, stainless steel appliances including a wine refrigerator, plus a breakfast bar perfect for entertaining or enjoying a casual meal. The spacious primary ensuite features a dual-sink floating vanity, a stylish tiled shower, and a large sitting area that can be transformed into your custom dream closet! Picture yourself by the sparkling pool, enjoying mountain views, and gathering with friends in the outdoor seating area. With an RV gate, you have all the space and freedom you need! Enjoy peace of mind with recent upgrades, including a brand-new AC unit, mini-split system, resurfaced pool, updated plumbing and electrical, re-stuccoed backyard walls, and a newer roof (2023)!

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16376 W Glacier Court Surprise, AZ 85387

$675,000

3 Beds

2 Baths

1,872 SqFt

Status Active Under Contract

MLS # 6769233

Property Type Single Family Residence

Price Type --

A MUST SEE!! This spacious Borgata model with custom casita has 3 BR/3 BA, great curb appeal w/Precision AlumWood covered courtyard and tons of upgrades. Custom Solid Front Door; custom electric code locks w/matte black hardware on 4 entry doors, all new Milgard windows & Patio door w/lifetime warranty; 3 bathrooms remodeled; HVAC 5 ton/15 Seer Trane 2024; 40 gal HWH 2022; Granite kitchen & casita sinks, kitchen has granite countertops, pantry, newer appliances, upgraded RO system, bay window in breakfast room. Lovely Primary bedroom with upgraded bathroom. Inside laundry has new custom cabinets. 2-car garage has new opener, custom cabinets and custom floor. 50 amp RV plug, long length driveway to accommodate your RV! Covered Aluma Wood Patio. Rock and surrounding walls outside. Custom texture on all concrete services. Private patio perfect for entertaining. This is a must see home!

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17334 W Straight Arrow Lane Surprise, AZ 85387

$675,000

3 Beds

2.5 Baths

2,581 SqFt

Status Active Under Contract

MLS # 6762311

Property Type Single Family Residence

Price Type --

Welcome to your oasis in the Desert Oasis community! This exquisite home displays pride of ownership throughout and features an open concept living space designed for modern living and effortless entertaining. Natural light floods the area, accentuated by elegant plantation shutters throughout. Step into the beautiful backyard, where a stunning pool & putting green beckon for relaxation and fun under the sun. For the adventurous spirit, this property includes a spacious 40+ foot RV garage, perfect for storing all your outdoor toys. Additionally, a convenient 3-car tandem garage provides ample space for vehicles and extra storage. Rain gutters add to the immaculate condition. Experience the perfect blend of luxury and functionality in this exceptional home—your desert retreat awaits!

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1751 N Ananea -- Mesa, AZ 85207

$675,000

5 Beds

3 Baths

2,624 SqFt

Status Active Under Contract

MLS # 6763914

Property Type Single Family Residence

Price Type --

Welcome Home! Situated on a large 14,000+ square foot lot in a non-HOA neighborhood, this single-level home has 5 bedrooms and 3 full bathrooms, offering ample room. With 2,624 square feet of living space, the home features tile floors in the main areas with carpets in the bedrooms. Step outside to discover your own backyard paradise, complete with a diving pool perfect for those warm sunny days. Two RV gates ensure convenient access for all your toys, whether it's a boat, RV, or extra vehicles. Entertain in style under the huge, covered patio, which connects seamlessly to the kitchen, office/bedroom, and master bedroom. The kitchen is complete with an eating bar and a casual dining area, making it the perfect spot for gatherings or casual meals. Location is everything, and you'll love the nearby amenities! Just minutes away, Falcon Field Park offers a 3-acre playground for basketball, volleyball, and shaded picnic facilities, ensuring fun for everyone. The Red Mountain Multi-Generational Center is a hub of activity, providing a fitness center, group classes, rock climbing, and youth activities. For outdoor enthusiasts, Red Mountain Park features 1,146.3 acres of shaded playgrounds, lighted sports courts, and trails...all surrounded by nature's beauty. With easy access to the 202, this home combines the tranquility of suburban living with the convenience of city life.

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21248 N 262nd Lane Buckeye, AZ 85396

$675,000

2 Beds

2.5 Baths

2,442 SqFt

Status Active Under Contract

MLS # 6767184

Property Type Single Family Residence

Price Type --

GOLF COURSE JOURNEY WITH CART GARAGE AND A SEPARATE ENTRY FOR GUEST SUITE IN THE FRONT OF THE HOME. A private courtyard leads to the custom entry door. Inside are tile floors throughout the living areas and carpeted bedrooms. Upgrades include Solar Panels, Custom Wood Media Wall, two sets of sliding doors to the extended patio, Built-in BBQ and more. See the list in the documents tab. But perhaps the most valuable: THE LOCATION and the VIEW.

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