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

25720 N 140th Drive Surprise, AZ 85387

Open House

New

$675,000

3 Beds

3 Baths

2,185 SqFt

Status Active

MLS # 6779155

Property Type Single Family Residence

Price Type --

Ready to Live in Your Dream Home? This 3 bed, 3 bath beauty is packed with jaw-dropping updates and designer touches that make it feel like a luxury retreat - but with all the comfort of home. From the moment you enter, you'll be struck by the natural light pouring in through oversized windows and the stunning herringbone plank tile flooring. Every room has been carefully designed with modern ceiling fans and lighting. It's all about the details here. The kitchen? Wow. Think extended island with a farmhouse sink, touchless faucet, sleek quartz countertops, and custom soft-close cabinets. Plus, with top-tier KitchenAid and Bosch appliances, cooking feels like a dream. The master suite is your own private escape. The en-suite bathroom features a custom shower with multiple heads and heated floors for that spa-like vibe. Need entertainment? There's a superhero-themed game room -- yes, you read that right. And for the ultimate hangout, the backyard is it. A custom BBQ station, an amazing pool with a water wall and bubblers, plus a covered patio that's perfect for hosting large parties or just chilling with a cold drink. Low-maintenance artificial turf and outdoor lighting that you can remotely adjust. On top of all this, you've got solar panels for energy efficiency, plus a 2-car and RV garage with climate control. This home isn't just beautiful -it's designed for an extraordinary way to live. Come see what makes this place so special!

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2167 E Browning Place Chandler, AZ 85286

Open House

$675,000

3 Beds

3 Baths

2,322 SqFt

Status Active

MLS # 6777403

Property Type Single Family Residence

Price Type --

'Temporary 1-0 Buydown offered by preferred lender for qualified buyers.' Don't miss the opportunity to own this stately home in an ideal S Chandler location, offering 3 bedrooms plus a den with murphy bed and 2 baths. Enjoy 10 foot ceilings adding to the feel of space & grandeur. This wonderful home includes a split floorplan w/ separate entrance into the secondary bedrooms & bath for the ultimate luxury of privacy. This is ideal for guests or multigenerational living arrangements. The ample open kitchen includes RO, maple cabinets, granite counter tops & includes tons of storage and counter space, perfectly lending it to large gatherings. Enjoy a sizeable and serene primary suite complete with an en-suite bathroom including separate shower enclosure & tub as well as private toilet room The home has everything to suit a new owner including the addition recently of a new HVAC. The backyard is ideal for entertaining with a pebble-tec pool thoughtfully adorned with shades to protect everyone from the intense summer sun. All this and just a few minutes from the 202, 101, Downtown Chandler, Downtown Gilbert, Chandler Fashion Park, restaurants and so much more!!

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4526 E Carob Drive Gilbert, AZ 85298

Open House

New

$675,000

2 Beds

2 Baths

2,114 SqFt

Status Active

MLS # 6779903

Property Type Single Family Residence

Price Type --

Very Special ''Agave'' model floor plan with POOL located in the active 55 plus adult community of Trilogy at Power Ranch. This home features 2 bedrooms, 2 baths, a den with built-in twin murphy beds (2) and desk, plus a formal dining room. The great room has a wall of windows overlooking the backyard. The kitchen has a large granite island, gorgeous cabinetry, pendant lighting and walk-in pantry. The perfect area for entertaining, or for a person who loves to cook. Just off the kitchen is a laundry room with lots of cabinets for storage. The master bedroom has windows overlooking the pool and backyard, plus its own bath with double sinks, custom lighting, walk-in shower, and large master closet. The guest room is located on the opposite side of the home giving all parties privacy. It has a tub/shower and is adjacent to the guest bedroom. The garage has built-in cabinets for extra storage. The backyard has artificial turf, covered patio, custom pavers, plus POOL and fully fenced backyard. The perfect area to relax and enjoy. Come see this wonderful home and all this community has to offer which includes golf, tennis, pickle ball, pools, workout facility, Bocce, and so much more.

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7064 E Osage Avenue Mesa, AZ 85212

Open House

New

$675,000

4 Beds

2.5 Baths

2,698 SqFt

Status Active

MLS # 6780359

Property Type Single Family Residence

Price Type --

Awesome move in ready home in great Mesa location, Gilbert Schools. Pull up to this adorable home with front porch. Open the door to an exceptional family home. sellers have done it all here. Plantation shutters, unique wood features, drop zone off garage, 2 pantries. Large loft area would make great office or children's play area, fenced saltwater pool w/slots for volleyball,/basketball. 2 1/2 baths, .2nd floor laundry, tasteful decor. This home is very special! Newer a/c has transferable warranty, 5 years labor, 10 years parts. see upgrades list in documents. Don't miss this one!!!

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930 E San Juan Avenue Phoenix, AZ 85014

Open House

$675,000

3 Beds

3 Baths

1,903 SqFt

Status Active

MLS # 6766402

Property Type Single Family Residence

Price Type --

Location and Charm!! You do not want to miss this beautiful 3 bed/ 3 bath home nestled in the HEART of Uptown Phoenix. Highly coveted Madison School District! Cozy wood flooring and modern concrete floors will guide you throughout this well-designed residence. Your new kitchen awaits, with gorgeous granite countertops, stainless steel appliances and rich cabinetry, with a large walk-in pantry to store all of your cooking essentials. The primary suite and expansive walk-in closet, with welcoming natural light will surely impress! Your primary ensuite will provide double vanities, separate shower and a massive jetted tub! Entertain family and friends in your privately paved backyard with string lighting and mature trees, to set the mood for any occasion. The backyard storage shed could potentially be transformed into your very own casita or backyard office space, already equipped with electricity! The possibilities are at your fingertips. This home is ready for it's new owner, so book a private tour today!

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22155 N Cline Court Maricopa, AZ 85138

Open House

$675,000

4 Beds

2.5 Baths

3,880 SqFt

Status Active

MLS # 6767476

Property Type Single Family Residence

Price Type --

***No need to wait for mortgage rates to decrease—you can start saving hundreds of dollars a month on your mortgage payments now!! Secure next year's rate today with a 1-0 buydown, offered by the seller.*** This exceptional property boasts a vast 16433 square foot golf course lot with a 3880 square foot home, complete with a dazzling heated pool and a 4-car garage! Meticulously crafted by Hacienda builders, the 4-bedroom, 2.5-bath home features 2x6 framing for structural integrity and deep insulation. Discover exquisite cabinetry in the spacious chef's kitchen and great room, a luxurious downstairs owner's suite, generously sized bedrooms with walk-in closets, two separate loft areas, and a versatile den/family room. Step out onto the balcony that stretches the length of the house, offering breathtaking views of the Rancho El Dorado golf course and the San Tan Mountains. The expansive backyard beckons with its inviting pool, outdoor kitchen, dining space, spa, and a tranquil water fountain. Don't miss the opportunity to make this stunning property your own!

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6351 E Waltann Lane Scottsdale, AZ 85254

$674,999

3 Beds

2 Baths

1,587 SqFt

Status Active

MLS # 6755121

Property Type Single Family Residence

Price Type --

Looking for a MOVE IN ready home in the magic zip code of 85254? THIS IS IT! Welcome to Waltann Ln .. an updated 3 bedroom, 2 bath home ready for you to bring your clothes, put up your feet, relax and enjoy. With an open floor plan .. but plenty of separate spaces .. a fantastic kitchen that overlooks the backyard and den .. and perfectly sized bedrooms .. this home is perfect as a primary home, a home away from home or as an investment property. In the backyard, you'll find a refreshing play pool, an above ground hot tub, fire pit and a fantastic covered patio for some al-fresco dining. With NO HOA, easy access to the 101 and 51 and minutes from the amazing shopping and dining at Kierland, Scottsdale Quarter and Desert Ridge .. Waltann Ln is sure to be the one.

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3419 W Thoreau Lane Anthem, AZ 85086

$674,998

5 Beds

4 Baths

3,366 SqFt

Status Active

MLS # 6750368

Property Type Single Family Residence

Price Type --

Live the Anthem Lifestyle! This MOVE IN READY home has an EXCELLENT FLOOR PLAN w/ 2 large flex rooms PLUS HUGE loft. Downstairs has the primary bedroom/bath PLUS 2nd bedroom & full bath. Upstairs has Large bedrooms, jacknjill bath & 4th bathroom. Wonderful features include; VAULTED ceilings,2 NEW HVAC, NEW Hot water Heater, NEW PAINT inside & out, NEW Granite, NEW jacuzzi showers, NEW LVP, carpet & more! Relax in the backyard oasis w/ extended covered patio, POOL, SPA & WATERFALL. A grassy park is across the street for neighborhood fun! The Anthem Community LIFESTYLE includes a 63 acre park w/ Big Splash Water Park, ball fields, large workout facility, tennis, Pickleball, Bball & volleyball courts, skate park, plus large pond! Minutes to I-17, outlet mall, restaurants & shopping!

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3172 W Via Dona Road Phoenix, AZ 85083

$674,990

4 Beds

3 Baths

2,375 SqFt

Status Active

MLS # 6774426

Property Type Single Family Residence

Price Type --

Special Financing Available!!!!!!!!! The Great Room, kitchen and dining room share an open floorplan that serves as the heart of this single-level home, leading out to a covered patio through sliding glass doors. The owner's suite is privately tucked away at the back, while three more bedrooms and a bonus room complete the residence. Photos are renderings of a model home, not the actual home.

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844 W Flatiron Trail Apache Junction, AZ 85120

$674,990

4 Beds

3 Baths

2,833 SqFt

Status Active

MLS # 6750737

Property Type Single Family Residence

Price Type --

Up to 3% of base price or total purchase price, whichever is less, is available through preferred lender plus additional 2% of base price or total purchase price, whichever is less, is available to be used toward closing costs, pre-paids, rate buy downs, and/or price adjustments. The Ravenna floor plan features a stylish single-story layout with four bedrooms and a versatile flex space, perfect for an office, TV room, or study. Complete with front yard landscaping, this home will be ready for occupancy by October. Ideally located near community parks, grocery stores, and dining options.

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18593 E Ranch Road Queen Creek, AZ 85142

Open House

$674,978

5 Beds

3 Baths

2,553 SqFt

Status Active

MLS # 6751752

Property Type Single Family Residence

Price Type --

Do not miss this beautifully remodeled 5 bedroom, 3 bath home in masterplanned community of Cortina in Queen Creek! Sitting on a corner lot, across from one of the community parks, the curb apeal is unmatched with new professional landscaping. The front porch is perfect for your morning coffee, watching the kids play or chatting with the neighbors. Walk inside and you are greeted by an open, light and bright floorpan! Just remodeled with new tile, upgraded carpet, cabinet doors, countertops, paint, fixtures, hardware and more! This dream kitchen offers lots of storage with white shaker cabinet doors, gorgeous quartz countertops and black accessories. Look out over the large island to the great room, with plenty of space for a large kitchen table, sectionals, couches or more! Perfect for spending quality family time or for entertaining. The primary suite is spacious and private with a spa like en suite! Offering Corian surrounds, separate tub and shower and a walk in closet with ample storage! The secondary bedroom with it's own en suite offer privacy for guests, or would be a perfect home office space! The split floorpan perfectly offers 3 more large bedrooms and bathroom. Out back is a true oasis with all new turf, plants and enough stamped concrete for dining or lounging! Do not miss out, schedule your appointment today!

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3165 E Indigo Bay Drive Gilbert, AZ 85234

$674,950

4 Beds

2 Baths

2,274 SqFt

Status Active

MLS # 6765310

Property Type Single Family Residence

Price Type --

Located in a desirable Gilbert neighborhood, this spacious 4-bed, 2-bath home is a perfect blend of style, comfort, and functionality. Set on a North/South-oriented lot with no rear neighbors, enjoy peace and privacy along with stunning features inside and out. Step into an open-concept living and dining area with vaulted ceilings that create an airy and inviting atmosphere. The gourmet kitchen is a chef's dream, complete with granite countertops, stainless steel appliances, a walk-in pantry, and a center island perfect for meal prep and casual dining. The split floor plan offers maximum privacy, with the primary suite featuring a cozy sitting area, direct access to the backyard, and a luxurious en-suite bathroom. The spacious backyard is an entertainer's paradise.

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