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

36076 N Vidlak Drive San Tan Valley, AZ 85143

$675,000

4 Beds

3.5 Baths

3,939 SqFt

Status Active

MLS # 6750864

Property Type Single Family Residence

Price Type --

**Seller will consider paying some concessions for buyer to buy down their interest rate, etc. ** Wow! Almost 4000 livable square feet. This home features 4 Bedrooms plus A Den, A Loft and An Entertainment/Game Room, 3.5 Baths and a Split 3 Car Garage. Very Nice Home that is Ready for you. Granite Countertops in Kitchen. White Staggered Shaker Cabinets with Pull Handles. Gas Cooktop. Mosaic Backsplash. Big Walk In Pantry. Center Island with Breakfast Bar. Stainless Steel Appliances. Refrigerator, Washer & Dryer are All Included. Tall Baseboards Throughout. Wood Like Flooring along with Beautiful Carpeting. Inviting and Manicured Backyard with Views.

View Property

29621 N 129th Lane Peoria, AZ 85383

$675,000

2 Beds

2 Baths

1,580 SqFt

Status Active

MLS # 6760570

Property Type Single Family Residence

Price Type --

STUNNING 'Monaco' model located on a gorgeous WASH LOT with partial GOLF COURSE VIEWS. This home has 2 Beds, 2 Baths + Den. Large, open floor plan is perfect for entertaining.Kitchen includes NEW LG French-door refrigerator, Premium Staggered Cabinets w/ convenient roll out drawers, trash/recycle, large pantry and R/O. PRIVATE BACKYARD boasts a COVERED PATIO with lovely TRAVERTINE Pavers. Patio overlooks a gorgeous HEATED POOL WITH WATERFALL, with Desert WASH & Partial GOLF COURSE view. FULLY FENCED wrought iron view fence. Resort living at its finest. PREPAID LEASED SOLAR-6.16 kW (Installed 2014) SheaXero Energy Efficient. EXTERIOR HOME, Fence & Garage Door PAINTED 2023. 4 FT. EXTENSION in garage, Epoxy & built in CABINETS, Softwater System & Pedestrian Door. Incredible CURB APPEAL! PAVER FRONT WALKWAY/PORCH, professionally landscaped with artificial turf in the front & back with PVC drip system & automatic timer. The den includes CUSTOM BUILT-IN bookshelves, work area, filing cabinet that overlooks the exquisite backyard & endless views. Both Bedrooms include CALIFORNIA CLOSETS Custom organizing systems, NEW TILE in Primary Bed and great views of backyard. Great Room has Custom built-in entertainment media center with crown molding, Surround sound with subwoofer. Perfect for entertaining inside & out. Make this dream home your own. This home is located in award-winning gated, 55+ Trilogy at Vistancia with 5-star-resort style amenities at the 35,000 SF Kiva Club with indoor & outdoor pools, fitness center, day spa, cafe, billiards, meeting rooms, library, tennis courts, pickle ball, bocce ball, events & a plethora of activities to choose from. Outstanding Gary Panks-designed golf course is woven throughout the original part of the neighborhood. The Mita Club has additional outstanding community amenities. Easy access from Trilogy to the 303, shopping, restaurants, entertainment, Lake Pleasant & Paloma Park, Peoria's huge community park loaded with amenities.

View Property

1176 E Erie Street Gilbert, AZ 85295

$675,000

4 Beds

2 Baths

2,136 SqFt

Status Active

MLS # 6753945

Property Type Single Family Residence

Price Type --

This 4-bedroom, 2.5-bathroom gem in the heart of Gilbert is MOVE IN READY with a NEWER AC and NEWER hot water heater, giving you serious energy savings! Step inside and prepare to be wowed by the open-concept living area - perfect for all the cozy nights in or lively get-togethers! The gourmet kitchen has granite countertops, modern white cabinets, HUGE pantry and a big island. But the real showstopper? The backyard! This outdoor space is next level. With a fenced pool, TWO outdoor sheds, an outdoor bar and grill and a covered patio! & don't forget about the the garage with built-in cabinets! Plus there's a laundry room just off the entrance with a built-in beverage fridge! Located in a prime Gilbert neighborhood with easy access to top schools, shopping, and dining.

View Property

1702 E Libra Drive Tempe, AZ 85283

$675,000

4 Beds

2 Baths

2,890 SqFt

Status Active

MLS # 6754260

Property Type Single Family Residence

Price Type --

This spacious 4 bedrooms, 1.75 bathrooms home is nestled on a large, corner lot at the end of a cul-de-sac with No HOA. Home has a 2 car garage, additional 2 car slab parking AND RV gate with lots of space to park an RV or recreational toys. Home features formal living and dining rooms plus a family room with wood-burning fireplace. The kitchen overlooks the family room and has granite countertops, breakfast bar and stainless steel appliances. The primary bedroom has en suite bathroom and French doors that lead to the backyard. The backyard is built for entertaining with built-in grill and bar and expansive covered patio. There is a full-on workshop in the backyard with power and lights. Convenient Tempe location and short walk or ride to K-12 schools, city parks, bus stop or Tempe's Orbit transit stop. Within a pedestrian & bike friendly community, home is a short distance the Western Canal path & Tempe Kiwanis Park. Just minutes from major shopping, dining, East Valley freeways, ASU Research Park approximately 20 minute commute to Sky Harbor Airport and so much more!

View Property

3125 W Steinbeck Drive Anthem, AZ 85086

$675,000

3 Beds

2.5 Baths

2,469 SqFt

Status Active

MLS # 6756716

Property Type Single Family Residence

Price Type --

Step into this breathtaking, upgraded property designed to impress from the moment you arrive! Spacious, elegant, paved front courtyard. Enter the cathedral ceiling entry to 24x24in diagonal tile that adds a touch of sophistication. Stunning, custom, kitchen has pendant lighting, glass decor iron pantry door, stylish backsplash, granite counters, extra large copper sink and so much more. Master has high ceilings & private exit to the backyard. Master BA has walk-in glass obscured shower w/ separate bath, double decorative glass sinks. The backyard is on a premium lot adjct to wash, w/ pavers, built-in bbq grill, & built-in seating for outdoor entertaining. Two guest rooms plus versatile bonus room upstairs. Garage has separate exit & mahogany cabinetry. Attention given to every detail!

View Property

44421 N 12th Street New River, AZ 85087

$675,000

4 Beds

2.5 Baths

2,219 SqFt

Status Active

MLS # 6769371

Property Type Single Family Residence

Price Type --

Discover the perfect blend of comfort and nature with this stunning 4 bed, 2.5 bath territorial home. Nestled in the serene landscape of New River, this property offers breathtaking views of the surrounding mountains and open spaces. Living/dining areas are separated from the kitchen/family room, maximizing comfort and functionality. Thee spacious kitchen has a gas range, upgraded cabinetry, granite counters and beautiful stainless steel appliances. The whole house generator ensures uninterrupted power supply, adding convenience and peace of mind. Ideal for horse enthusiasts, featuring ample space for corral and horse related activities. Included is a 10x20 storage shed that can hold your off roading toys and more. 2 119-gal propane tanks. A greenhouse. Easy care artificial turf. Freshly painted exterior and 2 new garage doors and openers. Views of the mountains off both patios are amazing! Awesome sunsets. Very private at the end of the cul-de-sac. Close to TSMC, 101, 303 and the I-17 freeways. Less than a mile away from the entrance to the Tonto National Forest. This home has so much to offer - don't miss this one

View Property

2818 S Berrywood -- Mesa, AZ 85212

$675,000

3 Beds

3 Baths

2,025 SqFt

Status Active

MLS # 6767015

Property Type Single Family Residence

Price Type --

This one of a kind custom home is situated on a large corner lot in SSV, one of Mesa's popular 55+ golf course communities! This layout is a rare find! Lots of natural light and views of the Superstition Mountains from the main living area and your bedroom. This 3 bedroom, 3 full bath home has been meticulously cared for and is move in ready. All tile, vaulted ceilings, neutral paint, and spacious rooms. The kitchen has matching black SS appliances, a breakfast bar and luxurious granite counter tops! The master suite has two closets and a freshly remodeled bathroom with a walk in shower. Beautifully maintained desert landscaping, turf and citrus trees! Newer A/C, a water softener and electric, retractable awnings for additional shade in the back yard. Extended patios and much more!

View Property

21276 W Sycamore Drive Buckeye, AZ 85396

$675,000

4 Beds

2.5 Baths

3,039 SqFt

Status Active

MLS # 6765959

Property Type Single Family Residence

Price Type --

Prepare to be captivated by this gorgeous single-level home in Verrado Community! The façade offers a 3-car garage w/attached cabinets, paver driveway, & a gated courtyard. Impressive interior includes a large living room, formal dining room & a perfectly flowing great room adorned w/surround sound. Well-appointed kitchen is equipped w/recessed & pendant lighting, ample cabinetry w/crown molding, built-in appliances, a pantry, granite counters, a prep island w/a breakfast bar & a mosaic tile backsplash. Exterior paint updated in 2023. Make the open den a game area/study. Owner's retreat provides an ensuite w/two vanities, Kitchen cabinets with slide outs. Spacious backyard w/a covered patio, pergola and artificial turf. HVAC less than a year. Paid solar System. This is a Gem!

View Property

2242 S Catarina Circle Mesa, AZ 85202

$675,000

4 Beds

2 Baths

2,322 SqFt

Status Active

MLS # 6766426

Property Type Single Family Residence

Price Type --

Welcome to your dream home in Mesa, AZ! This stunning 4 bedroom, 2 bath, 3-car garage house boasts 2,322 square feet of spacious living space with a cozy brick fireplace. All the paint and carpet are brand new, adding a fresh and inviting touch throughout. Located on a quiet cul-de-sac lot, this property offers the perfect combination of privacy and convenience. Step outside to your own private oasis with a fenced pool and low maintenance artificial lawn. Turf is eco- and pet-friendly. Located in the quiet, safe, established neighborhood of Laguna Shores, you'll love coming home to this charming home every day. Don't miss out on this incredible opportunity - reach out for more information!

View Property

27794 N Sierra Sky Drive Peoria, AZ 85383

$675,000

5 Beds

3 Baths

3,081 SqFt

Status Active

MLS # 6767127

Property Type Single Family Residence

Price Type --

Welcome to this exceptional 5-bedroom, 3-bathroom residence in Westwing Mountain, featuring a private pool and stunning curb appeal with low-maintenance landscaping. The well-appointed kitchen boasts sleek stainless steel appliances, granite countertops, and a central island perfect for casual dining and entertaining. Ample pantry space provides additional storage.Ascend to the second level to find the luxurious primary suite, complete with dual sinks, a separate soaking tub, and a spacious walk-in closet. The thoughtful floor plan promotes seamless indoor and outdoor entertaining, with easy access to the covered patio and inviting pool area. This home offers numerous inviting spaces for relaxation and social gatherings. Conveniently located just minutes from hiking trails and parks, this property is a true oasis for both comfort and recreation.

View Property

13280 S 183rd Avenue Goodyear, AZ 85338

$675,000

5 Beds

3 Baths

3,315 SqFt

Status Active

MLS # 6770072

Property Type Single Family Residence

Price Type --

Welcome to your dream home in highly desired Estrella Mountain Ranch. This multi-level beauty has space for everyone with 3315 sq ft, featuring 5 bedrooms and 3 full baths on a huge 1/4 acre lot. An amazing backyard makes entertaining easy with the large swimming pool, hot tub, putting green and two patios to enjoy it all. Back inside, the beautiful kitchen boasts upgraded cabinetry, granite countertops, a center island and stainless-steel appliances. You will enjoy both formal and informal dining along with living and family room options. This home continues to impress with large bedrooms, walk-in closets, and ample storage everywhere you look. The primary bedroom is huge with great natural light and features both a walk-in shower, large soaking tub and an impressive closet. The laundry room has additional cabinetry along with a laundry sink, while the oversized 3 car garage features custom cabinets for even more storage. This home keeps on giving with a freshly painted interior and exterior, along with new tile flooring throughout! Estrella is a top-ranking master planned community with highly rated schools and a reputation for excellence. As a resident, you will enjoy Estrellas two community centers with community pools and splash pads, along with pickleball, tennis, basketball, and fitness centers, in addition to some of the most pristine hiking and biking trails in the valley along with a professionally managed golf course. This exceptional home and community has it all.

View Property

9709 E Mountain View Road Unit 1701 Scottsdale, AZ 85258

$675,000

2 Beds

2 Baths

1,644 SqFt

Status Active

MLS # 6769773

Property Type Single Family Residence

Price Type --

Corner location, fabulous private spacious courtyard in The Racquet Club at Scottsdale Ranch! Plenty of light in this open floorplan with with high ceilings and great windows, french doors and an inviting fireplace. The formal dining room has mirrored walls for a spacious feel, glass windows into courtyard. Perfect for hosting memorable dinner gatherings or reading in the shade of mature trees. The kitchen boast granite counters, ample cabinetry with crown moulding, a stone tile backsplash, chic pendant lighting, SS appliances, a handy pantry, and an island with a breakfast bar for casual dining. The main bedroom includes plantation shutters, direct backyard access, an ensuite with dual sinks, and a walk-in closet. Charming home close to restuarants, shopping & Honor Health hosp and Mayo

View Property