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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29408 N 244th Drive Wittmann, AZ 85361

$674,950

5 Beds

2 Baths

3,100 SqFt

Status Active

MLS # 6773790

Property Type Single Family Residence

Price Type --

Remodeled custom home on premium corner lot. No HOA. Large lot that can accommodate guest quarters, RV storage, pool, or horse set up. Mountain views. Tiffany style chandelier in foyer. Archway with wood Vega poles. 3 skylights create light & bright interior. Stainless appliances. Large pantry. Master bathroom with freestanding shower, tub, & walk in closet. Laundry room with custom cabinets & built in wine cooler. Energy saving synthetic stucco. $Priced below appraisal(see doc tab).

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15221 N Clubgate Drive Unit 1141 Scottsdale, AZ 85254

$674,900

2 Beds

2 Baths

1,401 SqFt

Status Active

MLS # 6666784

Property Type Townhouse

Price Type --

! BACK ON MARKET newly PAINTED upgrade MAY 2024. MOVE IN READY Kierland Greens condo. This roomy 2-bed, 2-bath condo delivers lots of natural light. Large & bright living room with top of the line travertine flooring, crown molding & plantation shutters. Beautiful granite countertops in kitchen with a convenient pantry, stainless steel appliances, and plenty of cabinet space. Primary bedroom provides a private bathroom with dual sinks, a soaking tub, and an enclosed glass shower. Situated near all the action of Kierland Commons, Scottsdale Quarter and stunning golf courses. Easily get your steps in while having fun! Kierland Greens has all the beautiful ammenities one would expect. Very low turnover in this community. Beautifully maintained complex with pool and gym. Make it yours!

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3438 W Little Hopi Drive Phoenix, AZ 85086

$674,900

3 Beds

2 Baths

2,423 SqFt

Status Active

MLS # 6771166

Property Type Single Family Residence

Price Type --

Desirable corner lot with gorgeous shade trees, paver driveway and an RV gate. Large 2423 square foot single level floor plan with a dedicated den off the entry, a large formal dining area and a spacious kitchen with a diagonal island opening to the family room. Great master suite with all the amenities. Lots of storage space throughout. Large laundry room with space for an extra frig or freezer. Neutral color paint and carpet. All appliances included. Private backyard with a large patio for entertaining and a sparkling pool.

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20447 N 266th Avenue Buckeye, AZ 85396

$674,900

2 Beds

2 Baths

2,323 SqFt

Status Active

MLS # 6771161

Property Type Single Family Residence

Price Type --

Welcome to this Copper Canyon Golf Course Home with expansive Mountain Views. The popular FIESTA model is located in the heart of Sun City Festival, near the Sage Rec Center, Golf Pro Shop & Indigo Grill. This 2,323 sqft home sits on an elevated 9,200 sqft lot. Enter the private courtyard and discover an open floor plan with 10' ceilings showcasing tile floors w/marble inserts. The Chef's dream kitchen offers cherry cabinets, granite countertops, kitchen island, 5 burner gas cooktop, SS appliances & breakfast nook. After a day of fun in this active 55+ community, retire to your large Owner's Suite w/patio doors, spacious ensuite w/dual vanities, tiled shower, soaking tub & roomy closet w/custom built ins. This home is truly an entertainer's delight w/extended paved patio, built in BBQ firepit & LUSH GOLF COURSE BACKDROP. Both interior & exterior were recently painted & new HVAC was installed in 2021. The 3 Car garage w/built in storage; large laundry room w/sink & leased solar complete the package for a perfect Desert Oasis.

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1243 N Ambrosia -- Mesa, AZ 85205

$674,900

5 Beds

4 Baths

3,097 SqFt

Status Active

MLS # 6776563

Property Type Single Family Residence

Price Type --

stunning 5 bedroom 4 bathroom completed updated rare basement home with pool. this rare home boasts ample living space, professional designer touches and remodeled by licensed contractor. owner agent with fast answers. home is also available for rent or lease purchase.

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1331 S Illinois Court Chandler, AZ 85286

New

$674,900

4 Beds

2 Baths

2,334 SqFt

Status Active

MLS # 6779533

Property Type Single Family Residence

Price Type --

Check out this lovely home in PRIME CHANDLER LOCATION! This single level, 2334 sf, 4 bedroom home offers about everything you could possibly need. Open concept floorpan, eat-in kitchen featuring stainless steel appliances, granite countertops, island w/ barstool seating, walk-in pantry and breakfast nook. Primary suite includes soaking tub, separate walk-in glass shower, and large walk in closet. This home sits on a nice cul-de-sac lot and is a great home for entertaining! East facing backyard has pebble-tec pool, built-in BBQ w/ bar seating, and mini fridge and covered patio with misting system and speakers. Charming curb appeal with paver slab for additional parking at RV gate and slab behind gate for all your toys! Garage features epoxy floors, built-in cabinets with workbench, and storage racks. All around GREAT HOME and Chandler Excelling Schools.

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1715 S Hardy Drive Tempe, AZ 85281

$674,900

4 Beds

2 Baths

1,858 SqFt

Status Active

MLS # 6712585

Property Type Single Family Residence

Price Type --

This property is perfect for either an active STR or as a fully-furnished move-in ready home. The previous owners made over $58,000 in improvements, including new exterior siding, pool resurfacing, pool heater and automation, panel installation, replacement of old Orangeburg sewer line, new washer and dryer, new pool pump, back yard landscaping with high quality turf installation & rock in front. They also added over $55,000 worth of home furnishings and accessories. Whether you are looking for an STR opportunity or a new home, this property is move-in ready, with access to Tempe and South Scottsdale sports, dining and entertainment.

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3040 Hoskinini Circle Prescott, AZ 86305

$674,900

3 Beds

3 Baths

3,288 SqFt

Status Active

MLS # 6722206

Property Type Single Family Residence

Price Type --

Welcome to this inviting home, nestled on a secluded ½ acre homesite in the Tonkawa neighborhood. Surrounded by mature pine trees, this property offers a sense of tranquility and privacy. A gated circular drive leads you to this split-level entry home, ideal for multi-generational living with separate living spaces and entrances all under one roof. The main level boasts a formal living room with large picture windows that bathe the space in natural light, centered around a charming brick-surround gas fireplace. The kitchen is a chef's delight, featuring gleaming granite counters, pendant lighting, a tray ceiling, breakfast bar, and an adjacent dining area. The master suite offers gorgeous wood floors, two closets, a full bath & an adjoining sitting room/office, creating a serene retreat. Additionally, the enclosed 14' x 10' Arizona room (not included in the square footage) provides flexible space for your needs. The lower level, currently configured as two apartments each with its own private entrance, features two bedrooms, two bathrooms, a family room, a full kitchen, and ample storage space, making it perfect for extended family or rental income. Step outside to enjoy the park-like backyard, which has hosted numerous weddings thanks to its picturesque setting. The outdoor area includes a spacious back deck, private patio, garden area, detached 2-car garage, large shed, and plenty of room to relax or entertain. Meticulously maintained over the years, all three buildings received new roofs in early 2024. Don't miss the chance to own this elegant, functional, and naturally beautiful property, offering endless possibilities for multi-generational living or investment.

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22324 N 102nd Avenue Peoria, AZ 85383

$674,900

4 Beds

3 Baths

2,387 SqFt

Status Active

MLS # 6721590

Property Type Single Family Residence

Price Type --

This AMAZING home offers a Sparkling Pool with Waterfall & large Stone Pavers! The popular floor plan, Gila has a dramatic grand entryway which features almost 2,400 square feet with four bedrooms, three full bathrooms and a 3-car tandem garage. The spacious owners suite offers a large walk-in closet with a gorgeous bathroom featuring an oversized walk-in shower with tile and a double sink raised vanity. Open & spacious kitchen features stainless steel appliances with a 30-inch gas GE profile cooktop, also featuring granite countertops, subway tile backsplash and island with lots of space for cooking & entertaining! Located in highly sought after area of North Peoria with convenient access to shopping, restaurants, entertainment and just a few minutes to Lake Pleasant! Enjoy all the amenities of the Meadows! Community Pool, Clubhouse, Pickleball, Volleyball, kids park & more!

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2323 N Central Avenue Unit 705 Phoenix, AZ 85004

$674,900

2 Beds

2 Baths

1,398 SqFt

Status Active

MLS # 6723457

Property Type Apartment

Price Type --

This historic mid-century landmark graces the Phoenix skyline with its timeless presence. Step into unit #705 and discover a truly unique, turnkey living space, meticulously designed with porcelain tile floors, quartz countertops, bespoke cabinetry, stainless steel appliances, induction stove and exquisite designer touches at every turn. The open-concept layout boasts floor-to-ceiling windows and custom patio doors that frame stunning vistas of the Midtown skyline and mountains. A spacious private balcony offers serene views of the pool and lounge area, seamlessly blending indoor and outdoor living. Enjoy an array of upgrades and exceptional amenities including ''HOA-covered'' utilities, assigned underground parking, round-the-clock concierge service, and more. Perfectly situated within walking distance of Midtown's vibrant offerings, this is more than just a homeit's your sanctuary. Welcome to your new oasis at the Regency on Central!

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4169 E Sagebrush Street Gilbert, AZ 85296

$674,900

5 Beds

3 Baths

1,951 SqFt

Status Active

MLS # 6759522

Property Type Single Family Residence

Price Type --

No waiting to build! Rare opportunity to own a 5 bedroom new build home with pool and completed backyard in prime Gilbert location. Warner Meadows, adjacent to Morrison Ranch features a community pool, kids play areas, parks, and more for the entire family! Showcasing an open concept floor plan, quartz countertops, stainless steel appliances, a gas range, ample kitchen storage, a spacious living room and more! The oversized primary bedroom suite includes a double vanity, walk-in shower and plenty of closet space. Step into the backyard and enjoy a covered patio, recently built play pool and an artificial grass landscape for easy maintenance. Minutes from multiple parks, shopping, restaurants, entertainment and the 202 freeway, this house won't stay on the market long!

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9292 E Dreyfus Place Scottsdale, AZ 85260

$674,900

3 Beds

2 Baths

1,720 SqFt

Status Active

MLS # 6745860

Property Type Single Family Residence

Price Type --

This stunning 3-bedroom single-level home in Scottsdale is a true gem, offering the perfect blend of comfort and convenience. With vaulted ceilings and elegant plantation shutters throughout, the open and airy design creates a welcoming atmosphere. The wood flooring adds a touch of sophistication, while the corner lot position provides added privacy and a lovely view of the community park. The open kitchen seamlessly flows into the family room, making it ideal for both everyday living and entertaining guests. Enjoy a lifestyle of ease with everything you need just moments away: movie theaters, diverse dining options, grocery stores, Scottsdale Shea Hospital, the McDowell Mountain Preserve, and an array of shopping opportunities.

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