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

6232 E Aire Libre Lane Scottsdale, AZ 85254

$675,000

3 Beds

2 Baths

1,999 SqFt

Status Active Under Contract

MLS # 6743774

Property Type Single Family Residence

Price Type --

Amazing location! Beautifully remodeled and spacious 3 bedroom 2 bath home near Kierland and Scottsdale Quarter. Split floorpan, with brand new stainless steel appliances, new electrical, new plumbing, stone countertops, updated bathrooms and new flooring throughout. Close to Kierland and Scottsdale, easy access to the 51 and 101. This won't last!

View Property

2345 W Dixon Lane San Tan Valley, AZ 85144

$675,000

3 Beds

2 Baths

1,863 SqFt

Status Active Under Contract

MLS # 6693965

Property Type Single Family Residence

Price Type --

Amazing Custom Home and Horse Property with Mountain Views, on 1.3 acres in the desirable Bonanza Ranch Subdivision. Close to San Tan Mountain Park's riding and hiking trails. Beautifully Remodeled 3 bedroom, 2 bath, home, w/Den, plank style floors. Gourmet kitchen overlooks family room, perfect for entertaining. All new Kitchen with SS Appliances, Solid Wood Cabinetry with soft close, pull out shelving, Quartz counters, and under counter lighting. Master bath and laundry received the same beautiful updates. Spacious Master Suite with Walk in Closet, 3-car extended length attached garage with new insulated doors. All new Dual Pane, Solar Therm Windows throughout. New 5 Ton Train HVAC system w/air scrubbers and surge protection. Your horses will feel Pampered in their Spacious 4 Stall... ...Spacious 4 Stall 32'x44' Mare Motel with electricity, water and misting system. Oil pipe fencing and large gates, w/separate areas for bathing and separating horses. Rear gate for riding out the back of property. Covered Hay storage and still lots of room to store your toys or build a shop. Relax and Enjoy Beautiful Desert Foothills Living at its Finest.

View Property

8754 S Maple Avenue Tempe, AZ 85284

$675,000

3 Beds

2 Baths

2,340 SqFt

Status Active Under Contract

MLS # 6743448

Property Type Single Family Residence

Price Type --

Discover your dream home in the highly sought after Pecan Groves of South Tempe! This charming 3-bedroom, 2-bathroom property features an open living space, formal living room, large master suite, and a bonus home office that's perfect for remote work. The private backyard provides space for plenty of future improvements. This home also features a spacious 2-car garage with an expansive bonus attic storage. The roof was also fully replaced in 2019, providing peace of mind for years to come. Located in a highly desirable area, this home offers easy access to scenic parks, a variety of shopping, and dining options. With convenient freeway access, you're just minutes away from everything Tempe has to offer. Don't miss this fantastic opportunity!

View Property

2152 E Cathy Court Gilbert, AZ 85296

$675,000

4 Beds

3 Baths

2,291 SqFt

Status Active Under Contract

MLS # 6758842

Property Type Single Family Residence

Price Type --

Welcome to your dream home! This freshly painted 4-bedroom, 3-bath gem is perfect for anyone looking to enjoy comfort and style. Step inside to discover brand-new tile flooring throughout, giving the home a fresh, modern feel. The spacious eat-in kitchen boasts designer cabinet finishes, sleek granite countertops, and a large pantry—ideal for those who love to cook and entertain. The expansive master suite offers a private retreat, complete with a huge master bath featuring a luxurious walk-in shower. Additionally, there's a versatile den and office space, perfect for work or relaxation. Outside, unwind by the pool while soaking in the stunning Arizona sunsets or immerse yourself in the hot tub on those cool AZ winters nights. The low-maintenance artificial turf and a sizeable side yard provide plenty of outdoor space without the hassle. For some peace of mind, updated new pool pump system, new roof and new carpet. Come see this beautiful home, make it your home sweet home.

View Property

4324 E Vallejo Court Gilbert, AZ 85298

$675,000

4 Beds

3 Baths

2,640 SqFt

Status Active Under Contract

MLS # 6760716

Property Type Single Family Residence

Price Type --

Beautifully well maintained Picasso floorplan by Shea in desirable Seville. This home features 4 bedrooms, 3 full bathrooms, large loft, den, 3 car garage, a guest bedroom, and full bathroom downstairs. Open floor plan with living room, dining room, huge family room and eat in kitchen create the perfect space for entertaining. Kitchen features granite countertops, gas stove and stainless steel appliances. Primary bedroom has a large bathroom with separate tub and shower, walk in closet and double sinks. Additional 2 bedrooms, full bathroom, loft and den upstairs. Laundry room with built in additional storage and room for a 2nd fridge. Backyard features beautiful swimming pool with covered patio.

View Property

10215 W Gambit Trail Peoria, AZ 85383

$675,000

4 Beds

3 Baths

2,192 SqFt

Status Active Under Contract

MLS # 6773300

Property Type Single Family Residence

Price Type --

Welcome to Northlands Passage in North Peoria, best value for the money in the area, where the skies are bigger and the sunset glow fills the sky with radiant pink, yellow, orange and purple hues. Step outside every morning and view the beautiful Calderwood Butte out your front door and back patio, plus with the trail head right down the street you'll get the full enjoyment of this very special home in a very special community. Step inside this Albany Model by Taylor Morrison, with 2192 sq.ft. of interior living space, 4 BEDS + 3 BATHS and a 3 CAR Garage.

View Property

7244 E Olla Avenue Mesa, AZ 85212

$675,000

4 Beds

2.5 Baths

2,913 SqFt

Status Active

MLS # 6766648

Property Type Single Family Residence

Price Type --

This inviting 4-bedroom, 3-bathroom, 2-story home is nestled in a sought-after community and offers an impressive 2,913 sq ft of spacious living. The home features a family room and loft, with sleek wood-like tile flooring throughout. High ceilings and huge windows makes the home airy and bright. The kitchen is equipped with a pantry, granite countertops, elegant wood cabinets, and an eat-in area, perfect for everyday meals and entertaining. Step outside to the covered patio, where you'll find a low-maintenance backyard with a sparkling huge salt water pool, pavers, and artificial grass. The community offers walking paths, a playground, and more, making this home a fantastic place to cultivate your dream home!

View Property

16619 S 27th Avenue Phoenix, AZ 85045

$675,000

4 Beds

3.5 Baths

3,125 SqFt

Status Active

MLS # 6773372

Property Type Single Family Residence

Price Type --

Welcome to your dream home located in Foothills Reserve Community! With 4 beds, 3.5 baths, a 2-car garage, & a cozy front porch, it tastefully blends modern design & comfortable living. Beautifully upgraded interior boasts wood-look flooring, graceful archways, fresh neutral paint, soaring ceilings, clerestory windows, & a seamlessly flowing living & dining room ideal for receiving guests. Harmonious great room offers a clear view of the backyard. Open-concept kitchen is equipped with abundant cabinetry topped with crown moulding, recessed lighting, SS appliances, desk area, a prep island with a breakfast bar, & granite counters. Sizable loft is excellent for a study or TV area. Spacious primary retreat features an ensuite with two vanities, a separate shower & tub, & a walk-in closet. PLUS! 2nd main bedroom, with its own bathroom, provides privacy for guests. Enjoy fantastic mountain views from the serene backyard with a covered patio & artificial turf. This gem is ready for you to move in & enjoy!

View Property

8310 E Glenrosa Avenue Scottsdale, AZ 85251

$675,000

4 Beds

3 Baths

1,647 SqFt

Status Active

MLS # 6746177

Property Type Single Family Residence

Price Type --

Incredible Scottsdale home with attached guest suite. 5 minutes to Old Town, Chaparral Park, Scottsdale Fashion Square & 101 freeway! $48k in updates! Fourth bedroom has been converted to a guest suite with a private entrance, AC, 3/4 bath, kitchenette w/ fridge, sink & cooktop. This room has endless possibilities such as short term rental, long term rental, office, studio, gym, content studio, bedroom or more! Refreshed kitchen brings life to the heart of the home w/ complete 2023 remodel including shaker cabinets, quartz countertops, SS appliances & recessed lighting. Wood floors throughout the main living, black out roller shades throughout. Beautiful natural desert landscaping in front w/ irrigation. Extended covered back patio with two separate sheds and oversized gate.

View Property

4301 E Desert Marigold Drive Cave Creek, AZ 85331

$675,000

3 Beds

2 Baths

2,029 SqFt

Status Active

MLS # 6756055

Property Type Single Family Residence

Price Type --

LARGE PRICE REDUCTION FOR BACKYARD UPGRADES. MOTIVATED SELLER. Beautiful Tatum Ranch home on one of the largest lots in the neighborhood. Prime location situated at the end of a cul-de-sac that is walking distance to Desert Willow elementary school. Bright and open floor plan with 12 ft + ceilings. This home is an entertainers dream with large pool and cascading spa, sunken Tiki bar with a grill and tv. The perfect place to enjoy the AZ sunshine. Plenty of space in the yard for kids or pets. Also has an RV gate leading to a large paved area for additional parking if needed. Numerous upgrades in 2021-2022 include full roof replacement, two bathroom full showers and sinks, marble look ceramic floor tiles in kitchen and master suite, quartz kitchen countertops, dish-washer, carpet in two bedrooms, pool filter and pump motor, 52 ceiling fans with LED lights and remote control in all rooms, and more. Low maintenance landscaping with programmable irrigation system.

View Property

11820 N 111th Place Scottsdale, AZ 85259

$675,000

3 Beds

2 Baths

1,926 SqFt

Status Active

MLS # 6764441

Property Type Single Family Residence

Price Type --

Great opportunity to own a 3 BEDROOM, 2 BATH HOME in Sierra Ridge, conveniently located near many of Scottsdale's finest amenities. This home offers lots of natural light and a flexible floorplan allowing you to choose how to enjoy it, along with a large, beautifully landscaped back yard with covered patio and beautiful well-maintained pool, perfect for entertaining or simply relaxing. Kitchen has granite and entire home is done in neutral colors. A generously sized laundry room and attached 2 car garage complete the picture of this meticulously cared for home.

View Property

2813 E Indian Wells Place Chandler, AZ 85249

Open House

$675,000

4 Beds

3 Baths

2,566 SqFt

Status Active

MLS # 6776954

Property Type Single Family Residence

Price Type --

Welcome to your dream 2-story home in the sought-after Cooper Commons community of Chandler! This stunning corner lot residence features 4 spacious bedrooms, 3 beautifully appointed bathrooms, and a generous loft, offering abundant space for your family's needs. Enjoy the convenience of having one bedroom and a full bathroom on the main level—ideal for guests or multi-generational living. This home is equipped with modern comforts, including Nest Thermostats, a Vivint security system with cameras, and air dryers in the bathrooms for added convenience. The included water softener enhances your home's efficiency and comfort, ensuring a quality living experience. Step outside to discover your personal oasis! The backyard is a true paradise, featuring a large covered patio perfect for entertaining, a heated pool for year-round enjoyment, and lush artificial turf for easy maintenance and play. This home is designed to impress and is sure to exceed your expectations. Don't miss out on this incredible opportunity to make it yours today!

View Property