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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70 W Roadrunner Drive Chandler, AZ 85286

$669,900

4 Beds

2.5 Baths

2,750 SqFt

Status Active Under Contract

MLS # 6675936

Property Type Single Family Residence

Price Type --

ASSUMABLE LOAN AT 2.75%!! -- Open to Veterans, Non-Veterans AND INVESTORS! Don't miss this recently remodeled home in Chandler. Oversized kitchen was recently updated and all new flooring throughout the home. Features 4 bedrooms and an office, an oversized loft, 2.5 baths with a 1 car garage separate from the 2 car garage. All appliances are included. Step into the back yard with the large covered patio, diving pool and spa.

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312 E Minton Drive Tempe, AZ 85282

Open House

$669,900

3 Beds

2 Baths

1,909 SqFt

Status Active

MLS # 6781649

Property Type Single Family Residence

Price Type --

Welcome to this fully renovated home in the best part of Tempe, offering easy freeway access to get everywhere. The spacious kitchen features an eat-in island, perfect for casual dining and gathering. Included is a second hidden prep sink for complex meals or cleaning up while hosting! Step into the backyard, where a sparkling pool and expansive covered patio await. Fantastic for entertaining guests or simply relaxing on cool evenings. With mature palms, raised planter beds, and an array of luxury features designed for comfort and fun, this home is perfect for those looking to enjoy the best of Tempe living! This permitted renovation includes tons band new systems like insulation, windows, plumbing, sewar lateral, pool equipment, and more. You'll enjoy years of low-maintenance bliss

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8732 S Sun Quail Terrace Hereford, AZ 85615

$669,500

5 Beds

3 Baths

3,023 SqFt

Status Active

MLS # 6452313

Property Type Single Family Residence

Price Type --

To be built. Construction will begin with contract to start. This is your opportunity to have a custom home built and still have the availability to pick out your homes finished look. Home is located in the beautiful Three Canyons area in the Covey Run subdivision. Mountain Views and scenic living all around.

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2336 N Salem Street Mesa, AZ 85215

$669,500

3 Beds

2 Baths

1,907 SqFt

Status Active

MLS # 6784472

Property Type Single Family Residence

Price Type --

Golf course home, backs to golf course with view of lake/water feature. Being offered at a great price including furnishings. Site built home, tile roof and stucco exterior. Popular great room plan, with 3 Bedroom, 2 baths, over-sized garage with separate golf cart garage door cabinets and natural light. Large, open kitchen with island, lots of cabinets, Corian counter tops, white appliances. You'll be amazed at the large windows, natural light and views of the water, golf course and colorful sunsets. Ceramic tile flooring throughout except, master and guest bedroom. Vaulted ceilings, recessed lighting and more. Large covered patio (over 42' long) plus expandable awning system for additional shade. Lovely community facilities and club house.

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13345 W Junipero Drive Sun City West, AZ 85375

$669,500

3 Beds

2 Baths

1,904 SqFt

Status Active Under Contract

MLS # 6765453

Property Type Single Family Residence

Price Type --

Extensively updated & move in ready w/an abundance of outdoor living space. Stunning golf course San Marco in Corte Bella will bring your perfect lifestyle dream to a reality. Neutrally painted split three-bedroom floor plan is open to entertaining w/its extra-large quartz island overlooking the living room, fireplace & dining area. Lush landscaped front yard leads to an extended pavered courtyard featuring an iron entry gate & security screen door. Enjoy the outdoors year-round in your fenced backyard w/illuminated travertine patio, designed by Arizona Rainfall, is an outdoor oasis w/a built in BBQ, 2 built in ceiling heaters, TV, 2 seating walls w/a view of the 13th fairway. This highly sought after North/South facing home is truly an indoor/outdoor living delight. THIS IS A MUST SEE! The kitchen features a deep granite sink, an abundance of maple cabinets w/pull outs & new GE French Door refrigerator. Plantation shutters & crown molding throughout! Newly renovated walk-in showers in both baths w/the primary featuring a garden tub set in a quartz decking w/deep shower seating. The spacious primary bedroom & large walk-in closet, finish off your private retreat. The four-foot extended 2 1/2 stall garage is full of built in storage, extra ceiling lights w/a security screen door on the walk out. This community includes all the amenities and lifestyle you deserve. Prestigious Corte Bella 45+ Guard Gated Community. Corte Bella is well known for their award-winning golf course, Pickleball Courts, Tennis Courts, 2 restaurants, 2 bars, gym, work out classes such as yoga, swimming pool, spa, sauna, and more!

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3981 N 155th Avenue Goodyear, AZ 85395

$669,500

4 Beds

3 Baths

3,401 SqFt

Status Active

MLS # 6755011

Property Type Single Family Residence

Price Type --

Exiced to introduce the GEM of pebblecreek subdivision to public. This nice floor offers 3401 square feet with 4 bedrooms and 3 bath. Formal dining room, Office room, fireplace, 3 car garage, oversized laundry with state of the art design. Complete renovation done to the house with licensed contractor. House is completely redone from top to bottom.

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27247 N 73rd Lane Peoria, AZ 85383

Open House

$669,265

4 Beds

3 Baths

2,084 SqFt

Status Active

MLS # 6774082

Property Type Single Family Residence

Price Type --

Corner lot with no back neighbor and scenic views! Ready now! Experience the charm of Aloravita, nestled within the scenic mountains of Peoria. This community boasts breathtaking views and is conveniently located minutes away from shopping, dining, hiking trails and more! Our popular 'Tamarron' floorplan features 4 full bedrooms with a study, 3 bathrooms, 2 Car-Garage and a private yard with views! Designer selected finish includes White Cabinetry, Quartz Kitchen Countertops, Wood Like Tile Throughout, and Plush Carpet in all the bedrooms. This beautiful home will have it all including 8' doors, Gourmet Gas Kitchen, Smudge Proof Stainless Steel Appliances, Blinds, Pre-Plumb for Soft Water, and Smart Home Technology. Photos of model home, options may vary-home is finishing final touches*

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32663 N Aris Drive San Tan Valley, AZ 85143

$669,245

4 Beds

3 Baths

2,888 SqFt

Status Active

MLS # 6762800

Property Type Single Family Residence

Price Type --

Gorgeous new single-story home on an oversized homesite in Bella Vista Farms. Loaded with designer selections, this home offers 4 bedrooms, 3 bathrooms, an attached 3 car garage, and a 8' RV Gate. The extraordinary kitchen features a Monogram 36'' gas cooktop with double ovens, Della Terra Quartz kitchen counters in New Venatino Beige, and extended cabinets at the dining room. Other highlights include Aristodraft Maple Cabinets in burlap with soft close doors and drawers, a frameless walk-in shower at the primary suite with a Rain can shower head, 24'' x 24'' tile, upgraded carpet, split bedrooms, and an iron entry front door. Utilities include: Mesa Gas, Epcor Water Sewer, and Rural Metro Fire.

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18235 E Coronado Cave Court Rio Verde, AZ 85263

$669,000

3 Beds

2.5 Baths

1,678 SqFt

Status Active

MLS # 6674813

Property Type Single Family Residence

Price Type --

Unobstructed Views of the Majestic Four Peaks whether you step in or out of this highly upgraded Brand New Valletta Model at Trilogy. This 3 bed, 2.5 bath cul-de-sac residence has beauty and privacy with no neighbors at the back or the unattached side. The gourmet Grey/white kitchen boasts a stunning large Quartz Waterfall Island with a breakfast bar and equipped with built in SS Monogram wall appliances with an electric cooktop and a pantry. The upgraded stacked slider doors in the Great room opens to an extended patio, complete with an upgraded pergola and extended pavers. The Primary bedroom with a walk in closet, custom tiled master bath thoughtfully upgraded with a door for privacy. Brand New Washer Dryer and the lock and leave home comes with the builders Warranty too.

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23906 S Sunland Court Sun Lakes, AZ 85248

$669,000

2 Beds

2.5 Baths

2,151 SqFt

Status Active

MLS # 6764544

Property Type Single Family Residence

Price Type --

The Paloma model is a stunning 2-suite 2.5-bath home with custom closet built ins, offering 2,151 sqft of open living space and a 2.5-car garage with plentiful room for your golf cart. It is situated in the highly sought after Oakwood community within Sun Lakes. Dedicated to active adults, this home is part of a vibrant retirement destination. Residents can enjoy lunch or dinner at the 'Stone and Barrel,' on ground's restaurant, watch the game on the 25 televisions at the Ironwood Grill, or just relax with a drink while watching the sunset over the lakes at the various eating establishments all within the Sun Lakes community. Surrounded by mature landscaping, this community features 45 holes of golf, 10 lighted tennis courts, 10 pickleball courts, and a 25-meter lap pool, spa sauna, and fitness center personal training options. You'll also find scenic trails and walkways throughout the four different phases, over 100 clubs to partake in, and amenities for formal or informal gatherings. Making it a perfect spot for creating memorable events. The home itself sits on a wonderfully large landscaped quarter acre, (room enough for an additional casita) within a quiet cul-de-sac. It boasts a new roof replaced in 2023, new A/C units in 2023, new natural stone tiles, extra tall baseboards, granite countertops with stone backsplashes, and remodeled bathrooms. The generous laundry room includes a convenient sink, and cabinets for ample storage. A mirrored wet bar, cozy fireplace, and a spacious covered patio with an automatic retractable awning complete this elegant jewel. Perfect for entertaining or relaxing. Come home to this age appropriate oasis in the Valley of the Sun.

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12237 W Ashby Drive Peoria, AZ 85383

$669,000

4 Beds

2.5 Baths

2,476 SqFt

Status Active

MLS # 6765595

Property Type Single Family Residence

Price Type --

Welcome to this stunning single-level home on a corner lot in the highly sought-after Vistancia Village. This N/S exposure corner lot offers direct access to Vistancia's Discovery Trail. This 4-bed, 2.5-bath open floorplan features: 10-foot ceilings, wood shutters with invisible louvers, custom nooks, security-lock with mesh steel screen doors, ceiling fans, custom lighting fixtures and no carpet though out. The Chef's kitchen showcases the built-in SS appliances, oversized island, and beautiful Knotty Alder cabinets. The 4-car garage is equip with built in cabinets and a work bench. The single bay garage has a mini-split air conditioning unit, perfect for a home gym, art/hobby room or classic car! Host amazing parties in the professionally landscaped yard with resort style pool & landscaping and artificial turf. Take in the amazing Arizona sunsets while grilling at the built-in BBQ island or relaxing under the pergola. Rated the top master planned community several years in a row, Vistancia Village offers a lifestyle that includes pickleball, golf, 3 swimming pools, trails, parks, clubs and classes for all interests and a large offering of community events! Perfectly situated off the 303 freeway, enjoy easy access to shopping and dining!

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1717 N 1st Avenue Unit 217 Phoenix, AZ 85003

$669,000

2 Beds

2 Baths

1,275 SqFt

Status Active

MLS # 6770698

Property Type Apartment

Price Type --

The residence at artHAUS offers one of the only two distinctive floor plans. It features a split layout encompassing 1,275 sqft, 2 bedrooms/2 bathrooms, an open-concept design with high ceilings & abundant natural light. This unit comes with two parking spaces in a secured and enclosed parking garage, with one of the spaces equipped with a universal EV charger. Furthermore, the owner has implemented several elegant customizations to the unit, including the custom-designed staircase, the upgraded closet design & lighting system, a spacious kitchen island, backsplash, under-cabinetry lighting, upgraded toilets, & ceiling fans. artHAUS comprises 25 urban dwellings designed and developed by Jason Boyer, the recipient of the 2017 Builder's Choice & Custom Home Design Award Conveniently situated within walking distance of popular attractions such as the Phoenix Art Museum, Hance Park, and the ASU Downtown Campus, as well as some of the finest dining options in Phoenix, artHAUS prioritizes sustainability and energy efficiency. All units meet stringent Energy Star and LEED for Homes certification criteria. The building has a rooftop solar array that offsets 100% of the HOA power demand and enclosed parking garage facilities with electric vehicle charging stations available to residents.

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