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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23059 E Pummelos Road Queen Creek, AZ 85142

$672,500

4 Beds

3.5 Baths

2,938 SqFt

Status Active

MLS # 6762287

Property Type Single Family Residence

Price Type --

MOTIVATED SELLERS! This move-in ready two-story home features a beautifully landscaped backyard with real grass, a charming gazebo, and a covered patio perfect for shaded outdoor dining or relaxation. Inside, the open concept living area showcases a striking 20-foot shiplap fireplace and a gourmet kitchen with a 10-foot island, custom backsplash, 42'' upper cabinets, and a stainless steel range hood. The main floor master suite offers a spa-like bathroom with dual shower heads, double sinks, and a spacious walk-in closet. Upstairs, enjoy a cozy loft, two bedrooms, and a full bath. Energy-efficient upgrades include sunshades, two A/C units, and a tankless water heater. Located within walking distance to Queen Creek Olive Mill and Schnepf Farms for nearby dining and entertainment options. Retreat to the romantic main suite, highlighting plantation shutters, a pristine ensuite, and a walk-in closet. The home's elegance extends outdoors to the serene backyard with a covered patio, a gazebo, and a grassy lawn, excellent for outdoor relaxation. This value will not disappoint!

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14799 W Pasadena Avenue Litchfield Park, AZ 85340

$672,000

5 Beds

4 Baths

3,910 SqFt

Status Active

MLS # 6693658

Property Type Single Family Residence

Price Type --

Welcome to a charming home with a story to tell! Nestled in tranquil Palm Valley, this property boasts the distinction of being cherished by its original owner, making it a rare find in today's market.Step inside and be greeted by a warm and inviting atmosphere. This meticulously maintained residence offers 5 bedrooms, 4 bathrooms, and a separate office and loft providing ample room for relaxation and entertainment, as well as a casita with a separate entrance perfect for visitors or multi generational living. The heart of the home is the well-appointed kitchen which is a haven for culinary enthusiasts, featuring white cabinets, stainless steel appliances and large island. Whether you're hosting family gatherings or intimate dinners, this kitchen is sure to impress, and is open to the living area for seamless entertaining. Step outside through the multi panel sliding door that offers the best views of your beautifully landscaped yard, with 2 separate covered patios. Imagine sipping your morning coffee on the patio as you bask in the serenity of your surroundings and mountain views.Conveniently located inclose proximity to 303 Interstate, i-10, and 101. Wigwam resort, multiple golf courses & shopping.

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20235 W Hollyhock Street Buckeye, AZ 85396

$671,995

4 Beds

3 Baths

2,890 SqFt

Status Active

MLS # 6698318

Property Type Single Family Residence

Price Type --

Designed for entertaining this ranch style Julia plan model home offers airy 10'' ceilings. Once inside an extended entry leads to an expansive gourmet kitchen with 42'' white cabinetry with brushed nickel cabinet pulls, quartz countertops, tile backsplash, GE Plus stainless-steel appliances with a chimney hood and 36'' gas cooktop, an extended island, a breakfast nook, and a great room that includes an additional flex space. French doors lead from the dining nook out to an extended patio that runs the length of the great room. Inside a Butler's pantry with wet bar leads to a large walk-in pantry and a formal dining room leads to an adjacent covered courtyard off to the side of the home. This home offers two bedrooms that share a jack and jill bathroom, both with walk-in closets. A fourth bedroom and third bathroom complete the home. The primary bedroom includes a private bath with walk-in closet, dual vanities and a tile shower. In addition, this home has 12x 24 tile in all bathrooms, upgraded carpet in the bedrooms only and wood laminate flooring in the remaining areas of the home. This home also includes two-tone paint, ceiling fan prewires in all bedrooms, great room and covered patio, pendent lighting above the kitchen island, upgraded light fixtures in the dining room, nook and entry way, exterior coach lights and a paver driveway and walkway and front yard landscaping. A two car plus one car side turn garage is also included. This home is situated on a North facing 8760 square foot lot.

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3437 W Thoreau Lane Anthem, AZ 85086

Open House

$671,000

6 Beds

4 Baths

3,855 SqFt

Status Active

MLS # 6730172

Property Type Single Family Residence

Price Type --

This stunning home is located in the heart of Anthem, a beautiful award winning master planned community where joy abounds. At first sight you will notice a welcoming front porch, decorative stonework, and a lovely neutral color palette. The dramatic front entrance is enhanced by vaulted ceilings, custom pillars, and charming loft. The kitchen boasts ample storage and stainless appliances. The primary suite is located on the first floor as well as a secondary bedroom and a full guest bathroom. The second story has all the space one could need with four large bedrooms, two full baths, a bonus room and a loft. The backyard is an entertainer's dream with an extended flagstone patio, private pool and spa, and a gas firepit. Truly Sonoran living at its finest.

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7451 W Crystal Road Glendale, AZ 85308

$670,000

3 Beds

2 Baths

2,111 SqFt

Status Active

MLS # 6729565

Property Type Single Family Residence

Price Type --

*BACK ON MARKET* This beautiful 3 bedroom + Den, 2 bath home features a 3 car garage, a RV gate, & an immaculately maintained front & backyard. The living/dining room showcases vaulted ceilings, a soothing color palette, plantation shutters, & wood look flooring. The great room includes a large sliding door for ample natural light. The newly refreshed kitchen is equipped w/ a breakfast nook, granite counters, abundant wood cabinetry, track lighting, SS appliances, a pantry, and an island w/ a breakfast bar. Double doors lead to a versatile den, ideal for work or relaxation. The serene primary bedroom offers backyard access, an ensuite w/ dual sinks, and a walk-in closet. The backyard boasts a covered patio, stylish pavers, pristine artificial turf, and a refreshing pool.

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10835 E Tesla Avenue Mesa, AZ 85212

$670,000

3 Beds

2.5 Baths

2,462 SqFt

Status Active

MLS # 6737188

Property Type Single Family Residence

Price Type --

MUST SEE TODAY! Gorgeous property in the growing La Mira! This home offers excellent curb appeal with a low-care front yard, a 2-car garage, and an RV gate. The interior boasts a large open concept with tall ceilings, ceramic tile flooring, plush carpet, and abundant natural lighting. The fabulous white kitchen showcases staggered cabinets, SS appliances, granite counters, a large island with breakfast bar, and a walk-in pantry. The split owner's suite allows great privacy, and its immaculate bathroom with a huge dual vanity & an oversized shower makes it a perfect retreat to unwind after a long day. The secondary bedrooms share a Jack & Jill bathroom. Additionally, you'll find 2 dens, one perfect for an office & a larger one for a game/entertainment center. Discover a spacious backyard with covered patio and artificial turf, making an ideal spot for fun & entertaining. This fabulous community features a lush park with playground and a pool. What's not to like? Hurry to see this amazing residence before it's too late!

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13827 N Wendover Drive Fountain Hills, AZ 85268

$670,000

3 Beds

2 Baths

1,732 SqFt

Status Active

MLS # 6748069

Property Type Single Family Residence

Price Type --

Flawlessly maintained pristine home nestled in serene residential neighborhood. NO HOA! Be captivated by Mountain Views & Four Peaks. Recently treated to a fresh exterior paint w/ unparalleled level of protection against the elements w/ a special waterproof coating, standing apart from other available homes. Embrace worry-free living w/ the installation of brand-new, highly efficient HVAC, ensuring optimal comfort & performance for years. Added comfort & energy savings w/ all-around window shade screens, allowing for coolness & cost-efficiency. Step inside this beautifully split-plan home. The full primary bedroom suite offers a sanctuary of serenity. The kitchen boasts stunning granite countertops. backsplash, granite sink, top-notch appliances, super large panty. Superb backyard w/shed. Move-in ready, this residence leaves nothing to be desired. Stepping outdoors, be greeted by an expansive backyard with a custom-built shed for all your additional storage needs. Additional storage cabinets & worktable in garage! Convenience is at your doorstep, w/ retail & restaurants just a leisurely stroll away. Imagine the joy of living within a mile of the iconic Fountain and Lake. This home is sure to please!

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11445 E Paloma Avenue Mesa, AZ 85212

$670,000

4 Beds

2.5 Baths

2,951 SqFt

Status Active

MLS # 6756927

Property Type Single Family Residence

Price Type --

Amazing mountain views the master bedroom, loft, and front porch. This stunning home is recently remodeled with quartz kitchen counter tops, large 24x48 tiles throughout the first floor, LVP flooring on stairs and loft, carpet in all bedrooms, fresh paint inside and outside, and epoxy garage floors. This house features 4 BR, 2.5 baths, plus a den and loft. Two story ceiling in family room. Well-manicured backyard with pebble tech play pool & flagstone flooring outside covered patio area. Surround sound with built-in speakers. Truly a great neighborhood in Gilbert school district.

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10918 E San Tan Boulevard Sun Lakes, AZ 85248

$670,000

2 Beds

2 Baths

1,912 SqFt

Status Active

MLS # 6758871

Property Type Single Family Residence

Price Type --

Lovely custom Palacia floor plan on golf course in Palo Verde. 18th FAIRWAY! Come into this spacious open concept. Great for entertaining. The great room includes the living room, formal dining room and kitchen. The kitchen is a chef's dream- large granite island, stainless steel appliances, plenty of cabinets. 2 Bedrooms, 2 baths. Spacious Primary Suite features separate sitting area . Ideal for an office. Primary bath features 2 vanities, large walk in closet. Guest bedroom has walk in closet. Laundry room including washer and dryer and cabinet space. 2 car garage and golf cart garage. Enjoy the large screened in patio or exterior covered patio overlooking the desert landscaping and golf course. A MUST SEE!

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2742 W Wayne Lane Anthem, AZ 85086

$670,000

5 Beds

3 Baths

2,648 SqFt

Status Active

MLS # 6764184

Property Type Single Family Residence

Price Type --

Seller may consider buyer concessions if made in an offer. Welcome to your dream home, where timeless elegance meets modern convenience. The interior boasts a fresh, neutral color paint scheme, complemented by partial flooring replacement. The primary bedroom features a walk-in closet and an en-suite bathroom with double sinks, a separate tub and shower for ultimate relaxation. The kitchen is a chef's delight with a center island, accent backsplash, and all stainless steel appliances. The exterior fenced-in backyard with a private in-ground pool and a covered patio perfect for entertaining. This home is a true gem, ready to provide a comfortable lifestyle.

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3640 S Springs Drive Chandler, AZ 85286

$670,000

5 Beds

3 Baths

2,634 SqFt

Status Active

MLS # 6765710

Property Type Single Family Residence

Price Type --

Newer AC Units! Newer roof! Brand new water heater! Exterior and Interior have just been painted. This stunning home is in the Highly sought after community of Lantana Ranch built by Fulton Homes. Featuring 5 Bedrooms + Loft and 3 full Bathrooms and no neighbors behind you all with a beautiful pool. Enjoy the luxury of having a spotless vehicle from the dedicated soft water line in front. Pride of homeownership is shown in this well maintained home by original owners. This home has been well kept up inside and out with no expense being spared. Walking distance to Paseo Vista Recreation park, walking trails, and many other outdoor activities like Frisbee golf and an archery range. There is also a community park right up the street. There are several major shopping centers within 2 miles. The 202 Frwy is also just 2 miles away. One bedroom downstairs right next to bathroom. Don't miss the opportunity to see this stunning home.

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12427 N 38th Street Phoenix, AZ 85032

$670,000

3 Beds

2 Baths

1,264 SqFt

Status Active

MLS # 6769033

Property Type Single Family Residence

Price Type --

Come & see this amazing property located in the highly sought after area of 40th St. & Cactus, near the 51 & shopping! This gorgeous home boasts charming curb appeal, low maintenance gravel landscaping, 2-car enclosed carport, RV gate (paved area behind gate), neutral paint, new laminate floors, cozy fireplace & lots of storage areas! The lovely kitchen offers matching stainless steel appliances, Silestone- Quartz countertops, tile backsplash & a pantry. The master suit features a private exit, bathroom with his & her sinks & a nice walk-in closet. The expansive backyard boasts a large covered patio, 2-8x10 Tuff Sheds, 1-10x16 Tuff Shed Workshop & tons of potential for you to personalize it & make this house your own.

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