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

6364 E Star Valley Circle Mesa, AZ 85215

$675,000

2 Beds

2.5 Baths

2,432 SqFt

Status Active

MLS # 6738610

Property Type Single Family Residence

Price Type --

Stunning Custom home on the Golf Course at Red Mountain Ranch! This Dual Primary Suite home is the perfect set up! One on the lower level and other on second level. The whole top floor is a retreat with it's own balcony! Original owners have updated and maintained the property with Love. All new Vinyl windows and doors were put in 2021 with a lifetime warranty! New Roof 2022, upgraded the R.O. system 2023, Interior and Exterior Paint 2020, Main A/C replaced with a 6 Ton in 2018, new hot water heater, and the garage floor was just done this Year! Great room is open to the dinning area and kitchen with seating at the island. Perfect Play Pool or Spool if heated for year round enjoyment! Built in Grill, extended pergola and so much more! Large 3 car garage with tons of cabinet storage.

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3741 E Catalina Drive Phoenix, AZ 85018

$675,000

3 Beds

3 Baths

2,134 SqFt

Status Active

MLS # 6737385

Property Type Townhouse

Price Type --

END UNIT I PREMIUM LOT I 3 bedroom + Den, 2.5-bath in Arcadia Lite! This contemporary home is situated at the end of a quiet cul-de-sac within a gated featuring a community pool! Enter into a spacious layout featuring 10' ceilings on both levels, modern kitchen with 8' indigo island, granite countertops, ample cabinet space, walk in pantry, + Frigidaire Gallery matching appliance package! Main level offers a den/flex space, powder room, and open living space. 2nd level opens to a flex/loft space, laundry, primary + 2 secondary bedrooms, 2 full baths. Sliding glass to back patio w/paved seating space + synthetic grass are perfect for entertaining. End unit offers extra privacy and no neighbors to the East! EV charging station included!

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6642 E School House Flats Hereford, AZ 85615

$675,000

4 Beds

3.5 Baths

3,042 SqFt

Status Active

MLS # 6743531

Property Type Single Family Residence

Price Type --

Check out this beautiful custom built home with stunning mountain views and a sparkling private pool in the back yard. Double shower in primary bathroom with four shower heads, walk in closets & kitchen pantry, man cave bonus room, double oven, double HVAC units, guest bedroom with 1/2 bath and 2nd guest bedroom with full bath. 3 car garage with one converted & fully insulated. Home includes water softener, fridge, home security system, fire pit, huge double shed, and solar pool heating system! A must see!

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151 N Sycamore Vista Drive Chino Valley, AZ 86323

$675,000

3 Beds

2 Baths

2,185 SqFt

Status Active

MLS # 6737863

Property Type Single Family Residence

Price Type --

Recent pictures were taken and uploaded on July 29th. This brand new custom home will be ready for occupancy in September. Single story, 3 bed, 2 bath house with separate eating area, private office and wonderful views from the back of the home. Great room has soaring vaulted ceilings, open floor plan and a beautiful gas fireplace. Custom kitchen with large island, quartz countertops and large walk in pantry. Spacious master bedroom with double sinks, walk in closet, doubles vanities, glass enclosed shower and a soaker tub. Custom tile accents in home and luxury vinyl plank flooring adds to the perfect quality of the home. Outside of an HOA and situated on a full area of land. New well and new septic. Home next door has the slab poured and can be purchased separately.

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3993 W Talc Drive San Tan Valley, AZ 85144

$675,000

4 Beds

3.5 Baths

2,900 SqFt

Status Active

MLS # 6745758

Property Type Single Family Residence

Price Type --

MOVE-IN READY, better than a new build or spec home. This 4 bed, 3.5 bath with 4 car garage dream home is waiting for you! Custom features include tile plank flooring throughout, kitchen with backsplash, custom cabinets with pull-out drawers, quartzite countertops, gas chef range and beverage fridge. Master suite with walk-in closet, master bathroom features a large walk-in shower with custom tile surround, free-standing tub, vessel sinks with his and her vanities and faucets. All upgrades done by an interior designer. Large bedrooms and one w/private bath, walk-in closet. Bedrooms are split from the master with a large bonus room. Sliding wall of glass from great room that leads out to the extended patio. Private backyard with no two stories behind you.

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2524 E Christy Drive Phoenix, AZ 85028

$675,000

3 Beds

2 Baths

1,910 SqFt

Status Active

MLS # 6741686

Property Type Single Family Residence

Price Type --

**Price Reduced** Charming Santa Fe Style Home with Pool & Prime Location! This stunning 3 bed/2 bath retreat offers the perfect blend of comfort and convenience. With fresh new paint, no HOA, and situated on nearly 1/4 acre lot, this property has everything you need. Step inside to discover an inviting living space featuring a cozy fireplace, stainless steel appliances, and stylish cabinets. The wood tile flooring adds warmth and character, while the updated bathroom vanities bring a modern touch. Outside, you'll find a large pool perfect for Arizona summers, a covered patio ideal for outdoor entertaining, and a spacious yard for endless possibilities. Plus, the sellers are offering a $2,000 carpet allowance to make this home truly your own. Located in an outstanding neighborhood with easy access to the 51 freeway, you'll enjoy the nearby park, hiking trails, and the peace and quiet of a desirable location. Don't miss this opportunity to own a beautiful home in a prime spot!

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1813 E Patrick Lane Phoenix, AZ 85024

$675,000

3 Beds

2.5 Baths

2,677 SqFt

Status Active

MLS # 6742740

Property Type Single Family Residence

Price Type --

Beautiful home in highly desirable Eagle Bluff! Formal living and dining areas welcome guests to this magnificent home. Kitchen has been redesigned with large custom island, stainless steel appliances and an abundance of storage all open to large family room great for entertaining! Upstairs features oversized loft, large master suite and spacious additional bedrooms. In addition to large patio, low maintenance yard features custom gazebo with lighting, ceiling fan and built in bbq. Garage features built in cabinets and additional storage shelf. High end iron work featured both inside and out! This great property is minutes from shopping, schools, freeways and restaurants.

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2015 E Gaffney Road New River, AZ 85087

$675,000

3 Beds

2.5 Baths

2,368 SqFt

Status Active

MLS # 6744574

Property Type Single Family Residence

Price Type --

What a GEM! Nestled on a 2-acre corner lot, this beautiful home will impress you. Offering a desert landscape, 2-car garage, & RV parking. Discover a welcoming living room, formal dining room, and an inviting family room w/stove fireplace! Natural light filled the spaces, complemented by designer paint & wood-look flooring t/out. The exposed wooden beams give a rustic charm! The kitchen boasts tile counters & backsplash, recessed lighting, ample wood cabinetry, a breakfast bar, a walk-in pantry, and SS appliances such as a double oven. Main bedroom boasts a private bathroom & a walk-in closet. The fantastic backyard beckons with a covered patio, an exterior fireplace, & a fenced sparkling pool. The mountain views serve as a backdrop to your outdoor paradise! Don't miss it!

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2976 E Clifton Avenue Gilbert, AZ 85295

$675,000

4 Beds

2.5 Baths

2,436 SqFt

Status Active

MLS # 6748122

Property Type Single Family Residence

Price Type --

This must be the place . . . perfect location, pristine pool, paid-off solar, and plenty of potential. This four bedroom paradise is for anyone who wants a property that has been thoughtfully maintained, while providing an opportunity to personalize. Brand new A/C, freshly painted exterior, and recent pool resurfacing are just a few of the reasons this is your next home sweet home.

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6601 N 79th Place Scottsdale, AZ 85250

$675,000

2 Beds

2 Baths

1,472 SqFt

Status Active

MLS # 6758837

Property Type Townhouse

Price Type --

Wood Beam Vaulted Ceilings, Plantation Shutters and 2 Way Fireplace. Porcelain Wood Plank Flooring and tile throughout. Kitchen w/Stainless Steel Appliances. Granite Countertops, French Doors and Natural Bamboo Shades. Spacious Primary Bedroom with Double Door Entry and French Doors exit to Covered Patio. Walk in Closet. Custom Vanity Cabinets in Master and Guest Bath with Quartz Countertops. 2 Car Garage with loads of Storage Cabinets. Front Courtyard and low maintenance yard with hardscape. Complex has Heated Pool & Spa, Tennis Court and Next to Silverado Golf Course. Close to Old Town Scottsdale. New Water Heater 2/2020 & Roof Coated 1/2020.

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29273 N 129th Avenue Peoria, AZ 85383

$675,000

2 Beds

2 Baths

1,925 SqFt

Status Active

MLS # 6751375

Property Type Single Family Residence

Price Type --

This SOLAR Nice floorplan is situated on an Extremely PRIVATE homesite with GOLF COURSE & MOUNTAIN VIEWS! Enjoy STUNNING WOOD FLOORING throughout (tile in baths & laundry). The Chef's Kitchen is remarkable - features HIGH-END Cabinetry w/ a CUSTOM glaze that are staggered w/ LARGER CROWN, dramatic GRANITE SLAB & BUILT-IN SS GAS APPLIANCES w/DOUBLE OVENS!! Both Baths are HIGHLY UPGRADED w/ CUSTOM TILE, stone c-tops & FRAMED MIRRORS. Covered patio SPACE brings the outdoors inside w/ a GAS fireplace w/ STONE ACCENTS. Enjoy MOUNTAIN VIEWS from the extended paver patio-back yard is fully fenced!! Add'l upgrades: cabinet built-in at den, soft water, RO, bay window, PLANTATION SHUTTERS, high-end fans/lighting/hardware thru-out. Garage has tons of storage & EPOXY FLOORS, Garbage enclosure & & another storage area outside. SMART SPACE with a huge workspace and plenty of STORAGE - This home has it all!

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8602 E Plaza Avenue Scottsdale, AZ 85250

$675,000

4 Beds

2 Baths

1,935 SqFt

Status Active

MLS # 6748588

Property Type Single Family Residence

Price Type --

Minutes from Old Town, this wonderful home on a corner lot is move-in ready! The upgraded interior showcases wood-look tile flooring, fresh neutral paint, stylish light fixtures, and window blinds throughout. The spacious open floor plan and family room allow for enjoyable gatherings with family and friends. The well-appointed kitchen features stainless appliances, plenty of cabinets with crown moulding, subway tile backsplash, a butler's service area, quartz counters, and breakfast bar. Venture to the primary bedroom, which includes plush carpet, a sliding door closet, and an ensuite with an enclosed glass shower. Don't miss the stacked washer & dryer! Finally, the large backyard provides a covered patio and artificial turf. A deal like this won't last! Close to everything you love!

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