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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16800 E El Lago Boulevard Unit 1031 Fountain Hills, AZ 85268

$675,000

2 Beds

2 Baths

1,898 SqFt

Status Active Under Contract

MLS # 6768081

Property Type Apartment

Price Type --

Welcome to the largest floor plan unit in beautiful Village at Towne Center! This single level home offers a walkway to the front entry as well as direct entrance from the 2 car garage. Priced to sell! Location, location, location right in the heart of Fountain Hills. So close to downtown, dining, shopping and many of the amazing events that happen in Ftn. Hills. Upon entering this stunning 2-bed/2-bath home including a spacious office offering the touch of French doors, you'll feel right at home! If you want comfortable living and enjoy entertaining you'll have the luxury of the outdoor patio. The kitchen is very roomy with all appliances, lots of cupboards, and granite counters. Step into the splendor of the primary suite, designed for relaxation. Featuring ample...see more space, a walk in closet, and an en-suite with granite counters. Beautiful tile flooring throughout the home. The large laundry room has a sink, and more cupboard space. This unit is close to the community heated pool, and a workout facility. The 2 TV's convey along with the primary bedroom set, sleigh bed, 2 end tables, lamps on end table, large dresser drawer at the foot of the bed, the table along the wall when you walk into the primary bedroom. The Livingroom couch will also convey along with the black office desk and the porch furniture. A must see home that won't last!

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16420 N Thompson Peak Parkway Unit 1014 Scottsdale, AZ 85260

$675,000

2 Beds

2.5 Baths

1,640 SqFt

Status Active Under Contract

MLS # 6771851

Property Type Townhouse

Price Type --

Impressive remodeled townhome!! Located in a desirable McDowell Mountain Ranch gated community, this 2 BD/2.5 BA+ office end unit is absolutely beautiful! Light & bright this home boasts wood-like tile, great room w/vaulted ceilings & fabulous fireplace! Gorgeous kitchen w/quartz countertops, tile back splash, SS appliances, breakfast bar, large dining area & a built-in buffet! Great Rm looks out to a beautiful grassy area & covered patio, perfect for entertaining & enjoying wonderful AZ days! Laundry Rm, office, powder BA, plenty of storage & 2 car garage w/stained floors are all located on the main floor. Primary BD has a simply stunning remodeled bath including walk-in shower, soaking tub & accent wall. 2nd BA has also been tastefully updated! Come see this amazing home today!

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8100 E Camelback Road Unit 159 Scottsdale, AZ 85251

$675,000

2 Beds

2 Baths

2,191 SqFt

Status Active Under Contract

MLS # 6773444

Property Type Townhouse

Price Type --

Spacious 2191 sf. DETACHED 2BR/2Bath town home with 11x12 den is located in the prestigious Cameldale Guard Gated Community in the heart of Old Town Scottsdale. Its prime location is just 5 minutes to fine dining and shopping at Scottsdale Fashion Square, Scottsdale Waterfront. An active lifestyle beckons with 2 heated community pools & spas and tennis/pickleball court and Chaparral Park and Indian Bend Wash Bike Path are just a short walk away. Enjoy spring training games at 2 stadiums within a couple miles. The den, with a large closet and exit to back yard could easily become a third bedroom. Roof is being recoated with elastomeric coating & 5yr. warranty. Truly an Amazing Location and it's just waiting for the next owner's personal touches to create their lovely, private sanctuary

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10430 E Breathless Drive Gold Canyon, AZ 85118

New

$675,000

3 Beds

2.5 Baths

2,225 SqFt

Status Active

MLS # 6780282

Property Type Single Family Residence

Price Type --

VIEWS, VIEWS, VIEWS! Ideally located on a SPRAWLING ACRE HOMESITE with CAPTIVATING VIEWS of Dinosaur Mountain and the Superstition Mountains, this NICELY UPDATED home exudes character and charm throughout! The 640 sq. ft. covered deck and adjacent pergola patio area offer perfect, PICTURESQUE locations to enjoy breathtaking sunrises/sunsets in a PRIVATE, PEACEFUL SETTING (the properties behind this home are located on lots larger than 3 acres). Delightful inside and out, this wonderful property offers a remodeled kitchen with granite countertops and beautiful cabinetry; newer HVAC systems; wood doors; upgraded flooring; stunning brick fireplace; main suite with MOUNTAIN VIEWS and separate spa/exercise room; 2 car garage; shaded pergola parking area; spacious, enclosed side yard; and more!

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4083 S San Carlos Drive Globe, AZ 85501

$675,000

4 Beds

4 Baths

3,934 SqFt

Status Active

MLS # 6771870

Property Type Single Family Residence

Price Type --

This immaculate 4 bedroom 3 1/2 bath home sits on almost two acres with spectacular 360 views. There is plenty of space for entertaining in the formal living room, den with a wood burning fireplace, bonus room and formal dining room. Enjoy the beautiful manicured yard with mature fruit trees and relaxing outdoor patio. This home brings the outside in with three atriums and skylights throughout the house. The stainless steel appliances in the kitchen are newer and both heating/cooling units have been replaced in the last 6 months. There are double pane windows throughout the house for natural light and energy efficiency. Every inch of this elegant home has been lovingly maintained. Seller is offering an $8000 flooring allowance to buyer

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19303 E Apricot Lane Queen Creek, AZ 85142

$675,000

3 Beds

2.5 Baths

2,386 SqFt

Status Active

MLS # 6747333

Property Type Single Family Residence

Price Type --

**LOCATION! LOCATION! LOCATION!** Located on the boarder of Gilbert & Queen Creek, nestled in a quiet cul-de-sac, You will find this beautiful 3 bedroom 2.5 bath w/ den luxurious home. With no neighbors behind, the home backs onto a lush greenbelt, providing uninterrupted views that create a serene and park-like atmosphere. Every detail of this exquisite residence has been meticulously crafted and upgraded by a professional designer, ensuring that each element complements the home's sophisticated style. Step inside to discover a space where modern design meets timeless elegance. The updated kitchen is the heart of the home, boasting new quartz countertops that extend to the butler's pantry, new painted cabinets, a sleek new sink, and a striking gold faucet that adds a touch of luxury. Brass hardware and a new backsplash that reaches to the ceiling complete the look, making this kitchen as functional as it is beautiful. Custom pullout drawers in the kitchen cabinets, master bathroom cabinets, and laundry room cabinets offer smart storage solutions, maximizing both space and convenience. This one story gem, with unparalleled views is a RARE find. The combination of professional design, high-end upgrades and location that offers both privacy and beauty makes this home a standout in any market! Don't miss the opportunity to make this extraordinary property your own - a place where luxury living meets natural serenity!

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5235 W Davis Road Mcneal, AZ 85617

$675,000

4 Beds

3 Baths

1,414 SqFt

Status Active

MLS # 6655794

Property Type Single Family Residence

Price Type --

Old World Charm near Tombstone! This 144 acre ranch has tons of elbow room and boasts a 1938 homestead residence featuring 1414 square feet of living space with 2 bedrooms and 1 bath. In addition there are two, 495 square foot studio/casitas with full kitchens and baths. This property is perfect for a horse operation and has a 150 x 300 roping arena and cattle pens, a 150 foot round pen, a 60 foot round pen as well as working corrals, 10 stalls and a Mare Motel! The combined 144 acres is divided into 5 pastures with water! The property is ideal for a working ranch, or a compound! The owner would consider carrying terms with a substantial downpayment!! Don't put off your plans to own a ranch/horse/cattle operation and come see this exceptional property.

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11625 N 40th Way Phoenix, AZ 85028

$675,000

3 Beds

2 Baths

1,710 SqFt

Status Active

MLS # 6706586

Property Type Townhouse

Price Type --

Rare opportunity to own in the Roundhill community!! Nestled into the beauty of Stone Creek Golf Club. This immaculate 3bdrm & 2 bthrm patio home has everything you've been looking for. Open concept living area featuring vaulted ceilings with fireplace and lots of natural light. A spacious kitchen with ample room for entertaining. Enjoy dinner out on your private patio that backs on to the golf course, offering gorgeous views and tranquil privacy. You can also enjoy the views from your expansive primary suite that features a large walk-in closet, ensuite and sliding glass doors that take you to your patio. An attached 2 car garage gives you plenty of room for your vehicles and extra storage. New AC and roof were installed in 2021. This home is in a prime location close to Scottsdale and Paradise Valley providing you with multiple options for grocery stores, Costco, dining and shopping. You are also in close proximity to Piestewa Peak and Phoenix Mountain Preserve hiking trails, freeways and the Mayo clinic. Community benefits include a large swimming pool, hot tub and tennis courts. Come see for yourself everything this home has to offer.

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1431 W Spirit Drive Anthem, AZ 85086

$675,000

3 Beds

2.5 Baths

2,544 SqFt

Status Active

MLS # 6721017

Property Type Single Family Residence

Price Type --

View this beautiful San Juan model in Anthem C.C., featuring recent updates, south facing back patio with desert views and convenient proximity to the Ironwood Clubhouse. This wonderful home is 2544 sq. ft, 3 bed/2.5 bth, dedicated office, open floor plan and 3 car garage with new epoxy floor and built-in cabinets. The recently remodeled gourmet kitchen includes new stainless appliances; the master bath was completely remodeled in 2023 and features a huge walk in shower. Other highlights include plantation shutters, surround sound, soft water and R.O. systems, all new exterior paint and a new water heater. Your backyard outdoor living space enjoys a full length covered patio, flagstone hardscape, professional landscape design and a gas firepit. Let Anthem Country Club Welcome you home.

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19743 W Exeter Boulevard Litchfield Park, AZ 85340

$675,000

4 Beds

2.5 Baths

2,982 SqFt

Status Active

MLS # 6722040

Property Type Single Family Residence

Price Type --

Looking for a new home? This fantastic 4 bed, 2.5 bath residence now on the market is for you! Charming curb appeal, a low-care landscape, and a 3 car tandem garage are just the beginning. Discover a spacious dining & living areas w/elegant wood-look flooring, recessed lighting, and neutral palette throughout. The fabulous kitchen is equipped w/everything you'll need for home cooking, ample cabinetry, a pantry, quartz counters, SS appliances, and an island complete w/a breakfast bar. Upstairs you'll find a sizeable loft perfect for an entertainment area. End your busy day in the primary bedroom, boasting soft carpet, a walk-in closet, and an ensuite w/dual sinks. Finally, the expansive backyard w/its covered patio is a blank ready to become your own private oasis! Don't miss out!

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20329 E Bronco Drive Queen Creek, AZ 85142

$675,000

5 Beds

3 Baths

2,778 SqFt

Status Active

MLS # 6748755

Property Type Single Family Residence

Price Type --

Gorgeous custom home in the sought after Horse community of Will Rogers Equestrian Ranch.This 5 bedroom, 3 bath + an office has a large great room with a split floor plan. The Kitchen has new appliances and sink with a generous island, that can fit the whole family. The freshly painted interior has two primary bedrooms with en suites. The other three bedrooms are spacious and inviting. The laundry room is large with built in shelves for storage. Not only does the home have a 3 car garage, it also has a new RV gate. Two new A/C units were installed in March. This unique community boast an equestrian center with 4 stall barns,4 turn out pens, 2 round pens and 2 250X150 arenas and a Community pool, sport courts and instant access to QC wash trails. Community RV and boat storage too!!

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1416 E Don Carlos Avenue Tempe, AZ 85281

$675,000

5 Beds

3 Baths

2,102 SqFt

Status Active

MLS # 6732217

Property Type Single Family Residence

Price Type --

Amazing ASU investment opportunity! Gorgeous top to bottom renovation with FIVE bedrooms and 3 baths on a LARGE cul-de-sac lot. NO HOA. Stainless appliances. GE Profile oven/convection microwave and LG dishwasher. Quartz countertops. Custom tile shower surrounds. Porcelain plank tile flooring. 5 ton AC and 3 additional, 17 SEER Lennox mini-splits. New dual pane/dual UV/Argon gas windows! Newer Roof (2020). Stone accented entry. Newer sewer lines. Ceiling wood accent beams, LED recessed lighting. Huge back yard, massive cool deck patio and storage shed. Heart of Tempe LOCATION - walking/biking distance to ASU, Mill Ave., Gammage performing arts and shopping/dining along the Rio Salado corridor.

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