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.

Click Here to See What Your Home is Worth

Listing types.

For Sale

For Rent

Land

Multifamily

Commercial

Location Search Nearby

BedsAny1+2+3+4+5+6+

BathsAny1+2+3+4+5+6+

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Property TypeAnyApartmentManufactured HomeSingle Family ResidenceTownhouseTwin Home

School District

Address, MLS# or Keyword

Home SizeAny600 ft2800 ft21,000 ft21,200 ft21,400 ft21,600 ft21,800 ft22,000 ft22,200 ft22,400 ft22,600 ft22,800 ft23,000 ft23,500 ft24,000 ft24,500 ft25,000 ft25,500 ft26,000 ft2

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Distressed

Open House

Location Search Nearby

BedsAny1+2+3+4+5+6+

BathsAny1+2+3+4+5+6+

Price MinAny$500$600$700$800$900$1,000$1,100$1,200$1,300$1,500$1,600$1,700$1,800$1,900$2,000$2,250$2,500$2,750$3,000$3,250$3,500$3,750$4,000$4,500$5,000$5,500$6,000$6,500$7,000$7,500$8,000$8,500$9,000$9,500$10,000

Price MaxAny$500$600$700$800$900$1,000$1,100$1,200$1,300$1,500$1,600$1,700$1,800$1,900$2,000$2,250$2,500$2,750$3,000$3,250$3,500$3,750$4,000$4,500$5,000$5,500$6,000$6,500$7,000$7,500$8,000$8,500$9,000$9,500$10,000

Advanced Options

Property TypeAnyApartmentManufactured HomeSingle Family ResidenceTownhouseTwin Home

School District

Address, MLS# or Keyword

Home SizeAny600 ft2800 ft21,000 ft21,200 ft21,400 ft21,600 ft21,800 ft22,000 ft22,200 ft22,400 ft22,600 ft22,800 ft23,000 ft23,500 ft24,000 ft24,500 ft25,000 ft25,500 ft26,000 ft2

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Location Search Nearby

Lot SizeAny1+ Acres2+ Acres3+ Acres4+ Acres5+ Acres6+ Acres7+ Acres8+ Acres9+ Acres10+ Acres20+ Acres30+ Acres40+ Acres50+ Acres

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Neighborhood

Address, MLS# or Keyword

Location Search Nearby

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

School District

Address, MLS# or Keyword

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Location Search Nearby

Lot SizeAny1+ Acres2+ Acres3+ Acres4+ Acres5+ Acres6+ Acres7+ Acres8+ Acres9+ Acres10+ Acres20+ Acres30+ Acres40+ Acres50+ Acres

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Address, MLS# or Keyword

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

View As: Thumbnails List

Sort by: Select Price, Low to High Price, High to Low Newer Listings First Older Listings First Open House Date

42158 N Golden Trail San Tan Valley, AZ 85140

Open House

$669,990

4 Beds

3 Baths

2,513 SqFt

Status Active

MLS # 6733569

Property Type Single Family Residence

Price Type --

***Home for the Holidays!!!!*** Estimated completion November 2024!! - Welcome to Edgewood Estates, where luxury meets practicality! Step through the expansive foyer into a spacious great room, boasting a stunning wall of windows, perfect for entertaining guests or enjoying family time. The kitchen is a chef's dream with beautiful cabinets, a spacious island for meal prep or casual dining, and high-end finishes throughout. Retreat to the private primary suite featuring a relaxing primary bath and a generously sized walk-in closet. This home also features an Extra Suite Plus, ideal for multi-generational living or hosting guests with privacy and comfort. ^Homes have been significantly discounted and have the option of short/long term interest rate buydowns when choosing our preferred Lender. Additional eligibility and limited time restrictions apply.

View Property

14927 N 55th Drive Glendale, AZ 85306

$669,980

5 Beds

3.5 Baths

3,053 SqFt

Status Active

MLS # 6755286

Property Type Single Family Residence

Price Type --

LEED Certified Gold Home. 5 Bedroom all with walk in closets. 3.5 Bath, Huge loft. 2 car Garage. Benton Birch Burlap Cabinets. New Caledonia granite kitchen countertops. Kitchen 42'' uppers. GE gas range, SS appliances. Tile flooring is 6'' X 36'' wood looking tile

View Property

4208 E Oak Street Phoenix, AZ 85008

$669,900

3 Beds

2 Baths

1,781 SqFt

Status Active

MLS # 6778096

Property Type Single Family Residence

Price Type --

Seize the opportunity to live in the coveted Arcadia neighborhood, nestled close to premier shopping, dining, and entertainment. This exquisitely updated home sits on just over a quarter-acre and features three bedrooms and two bathrooms across 1781 square feet with an expansive great room design and additional sunroom. The kitchen boasts pristine white cabinets, Quartz and butcher block counters, a remarkable Frigidaire gas stove with pot filler, custom tile backsplash, and a central island with a breakfast bar. The main bedroom is equipped with an ample walk-in closet, a stylish accent wall, and a sliding barn door that opens to an en suite bathroom with a dual-sink vanity and a tiled shower featuring a rain showerhead and glass enclosure. An enclosed patio adds a versatile living area ideal for a home office or fitness space. The vast backyard offers abundant grassy areas for children and pets, mature trees for shade, a large patio for gatherings, a covered shuffleboard court, an RV gate with a concrete slab for extra parking, all surrounded by a block fence for privacy. The above ground spa is not included, but is negotiable. Additional features include a single-car garage with extra carport space, a charming entrance with exterior shutters and a Dutch front door, an electric fireplace in the great room, custom window treatments, recessed lighting, luxury vinyl plank flooring in the common areas, an inside laundry room, and much more. Washer and dryer are negotiable.

View Property

8045 N 14th Street Phoenix, AZ 85020

$669,900

3 Beds

2 Baths

1,758 SqFt

Status Active

MLS # 6745672

Property Type Single Family Residence

Price Type --

**Attention** Investment opportunity in North Central Phoenix! This property includes a 1758 Sf Main Home and 900 SF Remodeled Casita. Both units are leased, generating $4,320/lease monthly. NO HOA. 15,027 Sf lot with plenty of room for future expansion. The main home includes a spacious kitchen, living/family room, large, covered patio with a large backyard and RV gate. The 2-bed, 1-bath Casita includes New white shaker cabinets, stainless-steel appliances and LVP flooring. Conveniently Located near the Phoenix Mountain Preserve with quick access to hiking trails, Great Local dining, shopping, and the 51 Freeway. Quick access to anywhere in the valley, 10 minutes to Downtown Phoenix. If you're looking for an investment opportunity, check this out today to see the potential for yourself

View Property

18733 N Avila Drive Surprise, AZ 85387

$669,900

2 Beds

2.5 Baths

2,539 SqFt

Status Active

MLS # 6773537

Property Type Single Family Residence

Price Type --

Beautiful updated Ashbury home in one of the quietest areas in The Grand. Great open floor plan with large kitchen, dining, and living area. Kitchen has island with lots of storage, new counter, updated cabinets and all new stainless steel appliances. The living area boasts a beautiful Stonecreek media wall with fireplace and lighted shelves. The large primary bedroom includes a walk-in closet, beautifully remodeled en suite bathroom with walk in shower and free standing bathtub. Guest bedroom includes an updated en suite bathroom. Den includes a Murphy bed and can double as an office or extra guestroom. New floors and plantation shutters throughout and large windows provide lots of natural light and enhance the beauty of this home. Laundry room has new cabinets, new washer/dryer, sink and clothes bar. New paint throughout the interior and exterior. Triple garage with new storage cabinets. A private covered patio completes the beauty of this home!

View Property

14018 S 44th Street Phoenix, AZ 85044

$669,900

4 Beds

2 Baths

2,155 SqFt

Status Active Under Contract

MLS # 6774060

Property Type Single Family Residence

Price Type --

Don't miss this MUST-SEE opportunity! Entertain in your picturesque backyard with an updated Heated Saltwater Pool and Spa with Private Mountain Preserve Views! This home has it ALL! NEW ROOF, NEW OWNED SOLAR, and newer patio doors and windows on the West side make this an extremely energy efficient home! Updated luxury vinyl plank flooring throughout, plantation shutters, and an open floorplan are an entertainer's dream! Move-In Ready! Exterior painted in 2024, hot water heater in 2023. You do not want to miss this opportunity as this house will go quickly! Great location, close to highways, shopping, restaurants, trails, and parks!

View Property

3059 E Rose Lane Phoenix, AZ 85016

$669,900

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.

View Property

4444 E Jesse Street Gilbert, AZ 85295

$669,900

4 Beds

3 Baths

2,420 SqFt

Status Active

MLS # 6731266

Property Type Single Family Residence

Price Type --

Fabulous 4 bedroom/3 bath floorplan located in the highly sought after community of Cooley Station. The open floorplan boasts 10 foot ceilings with the primary en suite, 2 bedrooms, a full bathroom, and large laundry room with built in cabinets on the first floor. The gourmet kitchen includes a farmhouse sink, LED dimmable lighting under kitchen cabinets, subway tile surround on kitchen Island, upgraded kitchen cabinets with crown molding, and ceramic subway tile back splash. A nice size loft, sitting area, bedroom, and full bath are located upstairs- perfect for guests! Exit out to the beautifully landscaped yard from the kitchen to a large covered patio and artificial turf. The community offers 2 pools and 4 large parks; 1 just footsteps from the front door. Complete front landscape and back alley landscape fully maintained by the HOA. This home is designed with functionality and style in mind, catering to both practical needs and aesthetic preference. The combination of modern amenities and thoughtful details suggests a well-appointed and comfortable living space. Don't miss this wonderful opportunity to live in Cooley Station!

View Property

18172 W Devonshire Avenue Goodyear, AZ 85395

$669,900

4 Beds

2.5 Baths

2,322 SqFt

Status Active

MLS # 6751190

Property Type Single Family Residence

Price Type --

Sedella is an RV friendly community where toys are welcomed. This 4-bed, 2.5-bath semi custom home features: PAID OFF SOLAR, BRAND NEW Trane A/C unit installed and OWNED HALO 5 water filtration syst.,Freshly painted inside and out, front & backyard pavers, custom RV gate, Chef's Kitchen Appliances(Thermador), granite counters, oversized island. Great Room offers an outstanding view to the backyard with custom automated shades. Primary Suite has walk in shower & separate vanities. Split Floor plan,vinyl plank flooring in all the right places. Take in the mountain views from the oversized backyard. Enjoy the real grass, beautiful palm trees and evenings sitting around the fire-pit. Mini split in 2 car garage. Custom cabinetry and freshly painted walls in both garages.

View Property

3629 W Amerigo Court Anthem, AZ 85086

$669,900

5 Beds

3 Baths

3,389 SqFt

Status Active

MLS # 6760593

Property Type Single Family Residence

Price Type --

COVETED UPGRADED GEM IN PRIME LOCATION WITH POOL!!! Featuring a flowing floor plan w/ wide open kitchen boasting quartz counters, upgraded cabinetry, stainless and black appliance ensemble & walk-in pantry, upgraded flooring throughout, full bedroom/ bath (w/ shower) downstairs, amazing speak easy bar area as you enter the home, huge primary suite w/ impressive spa-like bath boasting double sinks, separate glass enclosed shower/ soaking tub & massive closet, low maintenance backyard w/ incredible oversized pool with waterfall, extended pool decking & room for additional touches. Ideally located in award winning Anthem community w/ awesome parks, schools, shopping, dining & entertainment options nearby! COME CHECK IT OUT TODAY!!!

View Property

2719 E Sourwood Drive Gilbert, AZ 85298

$669,900

4 Beds

3 Baths

3,292 SqFt

Status Active

MLS # 6764852

Property Type Single Family Residence

Price Type --

This approximately 3200 square foot home features four bedrooms and three bathrooms. The spacious layout offers abundant natural light and a neutral color palette throughout, complemented by brand new carpet and tile flooring. The kitchen is equipped with ample cabinetry and modern appliances, providing a functional and inviting cooking space. The home boasts a tranquil setting, with a serene lakefront park and lush landscaping surrounding the spacious outdoor area. The extended covered patio and expansive yard create an ideal environment for relaxation and leisure, with mature shade trees enhancing the natural ambiance. The interior spaces include several generously-sized rooms, a loft, and den, each featuring ceiling fans to promote air circulation and comfort. The vibrant community and desirable neighborhood surrounding the property offer a serene and welcoming atmosphere, catering to a variety of lifestyle preferences. Easy freeway access and close to shopping, dining, and the new Gilbert Regional Park.

View Property

6501 W Crocus Drive Glendale, AZ 85306

$669,900

4 Beds

3 Baths

2,561 SqFt

Status Active

MLS # 6772871

Property Type Single Family Residence

Price Type --

Take advantage of this charming tri-level home with no HOA! This beauty displays brick accents, a verdant front yard, a 3-car garage, and a courtyard. Be welcomed by an inviting living room adorned with vaulted ceilings, plantation shutters, and a trending palette complemented by beautiful wood-look tile flooring. Continue onto the lower level and find formal dining and sizable family rooms featuring a brick-wall fireplace, great for cold evenings. Kitchen is fully equipped with granite counters, white cabinetry, a tile backsplash, recessed lighting, a pantry, and a breakfast nook. Upstairs, the main retreat has plush carpeting, a pristine ensuite with dual sinks, and a walk-in closet. Out the back, you have a covered patio & a refreshing pool ready to enjoy. Don't miss out!

View Property