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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23114 E Mayberry Road Queen Creek, AZ 85142

$665,000

4 Beds

3 Baths

2,116 SqFt

Status Active

MLS # 6786204

Property Type Single Family Residence

Price Type --

Discover the pros of single-story living in this stunning 4-bedroom, 3-bathroom residence. The spacious layout offers a den, perfect for a home office or media room. The master suite is a true retreat, featuring dual vanities, a garden shower, and a split floor plan for ultimate privacy. The gourmet kitchen, equipped with gas appliances, is a chef's dream. Soaring 10-foot ceilings and double sliding doors create an airy and inviting atmosphere. The landscaped backyard, complete with pavers, turf, and a pergola, is an outdoor oasis. The low-maintenance front yard, adorned with pavers and turf, adds to the home's curb appeal. Inside, a large laundry room with cabinets, a sink, and a gas dryer offers convenience and functionality. Enjoy the best of community living with access to a wide range of amenities, including pickleball courts, playgrounds, lakes, a splash pad, boardwalks, an aquatic center, and a clubhouse. Don't miss this opportunity to own a beautiful home that blends style, comfort, and modern living.

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2125 W Bromm Lane Wickenburg, AZ 85390

New

$665,000

3 Beds

3 Baths

2,147 SqFt

Status Active

MLS # 6787553

Property Type Single Family Residence

Price Type --

This bright and cheery custom home offers the perfect blend of privacy and convenience. Situated on a corner lot just shy of an acre, it features a thoughtfully designed open floor plan with vaulted ceilings and large picture windows that flood the home with natural light. The home boasts tile floors, elegant granite countertops, 3 full bathrooms, and a versatile bonus room with its own private entrance. Every room in the house is equipped with sliding doors, allowing easy access to extensive covered patios where you can enjoy the beautifully designed desert landscape and rock features. With no HOA fees, low maintenance, and a charming neighborhood, this is the perfect Arizona LOCATION. The spacious 3-car garage offers plenty of storage. Potential for an RV garage, casita, AND pool!

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11758 W Camino Vivaz -- Sun City, AZ 85373

$665,000

4 Beds

3 Baths

3,111 SqFt

Status Active

MLS # 6787616

Property Type Single Family Residence

Price Type --

Come see this gorgeous home. It is ready and waiting for your family. SOLAR LEASE has been paid for 10 years ($24,000 value) for you. The home is done tastefully with the updated kitchen with granite and custom grey cabinetry. The master bedroom is amazingly oversized. There is a three car garage with epoxy floors plus overhead storage and storage cabinets. Beautiful fenced in pool with gorgeous extended patio to enjoy outdoor living. Huge downstairs office/den for your home office. Brand new HVAC replaced June 2024. Backyard playhouse included along with the refrigerator in the garage. The large couch downstairs is available for purchase on a separate bill of sale. NOT an age restricted community.

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224 E Eugie Avenue Phoenix, AZ 85022

New

$665,000

3 Beds

2 Baths

1,924 SqFt

Status Active

MLS # 6788557

Property Type Single Family Residence

Price Type --

Home, sweet home! This 3-bedroom, 2-bath residence features a 2-car garage, a convenient RV gate, and a low-maintenance front yard. You'll be delighted by the appealing open layout with a cozy den for relaxing evenings, blinds, wood-look flooring, and an inviting fireplace. The kitchen comes with skylights for ample natural light, chic pendant lighting, a tile backsplash, wood shaker cabinetry, essential built-in appliances, and a center island. Have a good night's rest in the primary bedroom, offering double French doors that lead to the backyard. Venture out onto the spacious backyard, complete with a covered patio, pristine artificial turf, and a pool for refreshing dips on hot days. Don't miss out on this fantastic opportunity!

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10538 W Quail Avenue Peoria, AZ 85382

$665,000

4 Beds

3 Baths

2,021 SqFt

Status Active

MLS # 6767382

Property Type Single Family Residence

Price Type --

Step into this HIGHLY UPGRADED ever popular layout in the blossoming Camino A Lago neighborhood! From the moment you enter, you'll feel right at home with the light and inviting open-concept floor plan, featuring spacious living and dining areas perfect for both relaxing and entertaining. The beautifully designed kitchen features soft-close shaker cabinets, gourmet stainless appliances with gas cooktop & double wall oven/micro, walk in pantry with custom floor-to-ceiling shelving, & expansive island with gleaming quartz countertops, designer backsplash & pendant lights. The generous primary bedroom offers a peaceful retreat with dual sinks, large spa-worthy shower, & dreamy custom designed walk-in closet system. The secondary bedrooms are pristine & include nicely sized closets & ceiling fans w/lights. Additional features include wood-like tile throughout, plantation shutters and remote-controlled blinds, recessed lighting, added laundry cabinets, 3-way thermostat, & Smart Home technology. Enjoy the peaceful, low maintenance backyard with extended pavers and artificial grass. Nice 3-car garage with epoxy flooring, NEMA 14-50/40 amp 240V EV outlet, tankless gas water heater, water softener and room for storage. Excellent Peoria location with many shopping options & top-rated A+ schools, plus community walking/ biking trails, greenspace, and playground. Don't miss out on this gorgeous home!

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6928 N Citrus Road Waddell, AZ 85355

$665,000

4 Beds

2.5 Baths

2,200 SqFt

Status Active

MLS # 6678917

Property Type Single Family Residence

Price Type --

Motivated Sellers! New interior and exterior paint and all new carpet throughout the home. This dream home is nestled on 1.24 acres of serene landscape with breathtaking mountain views. This move-in ready residence boasts a spacious great room, perfect for entertaining or cozy nights by the fireplace. The expansive primary bedroom provides a peaceful retreat, while the meticulously landscaped front and back yards offer lush greenery and ample space for outdoor enjoyment or making the perfect home for your horses. Don't miss the opportunity to make this picturesque oasis your own and prepare to fall in love with your new home.

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7458 E Odessa Circle Mesa, AZ 85207

$665,000

4 Beds

2.5 Baths

2,150 SqFt

Status Active

MLS # 6695836

Property Type Single Family Residence

Price Type --

An exclusive retreat behind the notable gates of Las Sendas. Tee off at a golf course widely ranked among the top 10 in the area. This residence boasts a newer roof, HVAC, and solar panels for eco-friendly living. The lush front yard landscaping welcomes you to high ceilings and premium wood flooring throughout. Enjoy an open concept layout with abundant windows, formal dining room, granite counters, and premium appliances. The oasis backyard features an outdoor kitchen, saltwater pool, spa, covered patio, and second-story view deck. Enjoy the convenience of highly regarded neighborhood schools and reach either airport in 20 minutes. Amenities include pools, pickleball and tennis courts, playgrounds, splash pads, trails, spa and fitness center. This home combines comfort and community.

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4826 W Tortoise Drive Eloy, AZ 85131

$665,000

3 Beds

3.5 Baths

2,806 SqFt

Status Active

MLS # 6707649

Property Type Single Family Residence

Price Type --

BUILT IN 2021! Only 3 years old. You will LOVE this beautiful VIENTA model! This home is 2,805 SF. featuring 3 full bedrooms w/connecting baths, a DEN, 3.5 baths & 3 car garage w/service door! This home is ideal for live in Mother-in-Law or someone just wanting a spacious home! The kitchen features Quartz counters, upgraded cabinets, SS appliances, convection range, RO system, roll-out shelves & pendant lights. This home has lots of builder upgrades such as dry bar in great room, 18'' x 18'' tile flooring, tile showers, comfort height toilets, water filtration system, rain gutters, multi zone HVAC. Step out back to the professionally landscaped backyard w/nature grass, fully fenced yard w/extended covered patio, extended paver patio & paver walkway around house. This home is a MUST SEE

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7161 E Rancho Vista Drive Unit 2003 Scottsdale, AZ 85251

$665,000

2 Beds

2 Baths

1,307 SqFt

Status Active

MLS # 6709302

Property Type Apartment

Price Type --

Located in the sought-after Camelview community this condo placed in an excellent location within the complex. Overlooking the pool and spa the patio offers shade with just the right amount of sun light. Walking distance to world-class dining like Toca Madera, Ocean 44 and the new Caesars resort plus all the high-end shopping. This unit features clean lines an open floor plan with stainless-steel kitchen appliances, granite countertops and floor-to-ceiling windows in every room. The outdoor patio is accessible through the primary suite, providing a tranquil and quiet serenity. Italian marble countertops in both bathrooms with the primary bath showcasing a glass-enclosed shower with granite tiling. Unit comes with a 220 outlet for an EV Charger at the parking spot.

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4214 N 36th Street Phoenix, AZ 85018

$665,000

4 Beds

2 Baths

1,608 SqFt

Status Active

MLS # 6707209

Property Type Single Family Residence

Price Type --

Motivated Seller! Discover the ultimate lifestyle upgrade in Arcadia Lite's most sought-after neighborhood. This meticulously crafted, fully furnished home is more than just a place to live—it's an experience. From the moment you arrive, you'll notice the ample parking space and lush curb appeal. Inside, featuring a stunning, upgraded kitchen with high-end appliances, stylish lighting, and a coffee bar for your daily luxury. Step outside to your private backyard oasis, perfect for gatherings or serene evenings. Picture yourself hosting unforgettable nights with mini-golf, synthetic grass, and a firepit area set on beautifully paved grounds for BBQs and bonfires. Four generous bedrooms and two luxurious baths offer comfort for everyone, while a spacious laundry room.It has it all!!!

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2750 Columbia Lane Overgaard, AZ 85933

$665,000

2 Beds

2 Baths

2,065 SqFt

Status Active

MLS # 6733313

Property Type Single Family Residence

Price Type --

Discover serenity in this stunning home located in a desirable private air park community of northern Arizona. This residence features a chef-like kitchen, elegant wood furnishings, and a versatile loft with a private balcony. Nestled on a quiet cul-de-sac and surrounded by tall pine trees, it offers both privacy and natural beauty. Overgaard is known for its mild summers with relaxing routine monsoon patterns and picturesque winters with white Christmas's! Whether you are looking to hunt, fish, hike, snowboard, ski or just relax on the porch and enjoy the quiet sounds of nature- the possibilities here are endless! Partially furnished and ready for you to move in, this home is the perfect blend of rustic charm and modern comfort. Don't miss out on your visit today!

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1934 E Secretariat Drive Tempe, AZ 85284

$665,000

3 Beds

2 Baths

2,120 SqFt

Status Active

MLS # 6733514

Property Type Single Family Residence

Price Type --

Back on market buyer unable to perform. This updated, single-level 3-bedroom, 2-bathroom home is an entertainer's paradise, featuring a pebble-tec pool and an expansive covered patio. Discover modern elegance with shaker-style cabinets and granite countertops in the kitchen, along with a tiled backsplash, stainless steel appliances, and a wine refrigerator. The master suite offers a dual fixture shower with a rain head, while the hall bath features a tub/shower combo. Enjoy the private backyard with a sunken brick patio, fireplace, and synthetic grass. This home includes dual-pane low-E windows, a new roof installed in July 2021, and a brand-new AC installed in 2023. Located in the Kyrene School District, this home offers an unbeatable South Tempe location

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