4 Things You Absolutely Should Not Do After You Apply for a Mortgage

4 Things You Absolutely Should Not Do After You Apply for a MortgageIf 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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3708 E Laurel Lane Phoenix, AZ 85028

$670,000
2 Beds
2 Baths
1,592 SqFt
Status Active
MLS # 6776421
Property Type Single Family Residence
Price Type --
Welcome to the original Paradise Valley! Your new home has been sandblasted back to exposed brick for that old school feel. You'll notice the low sloping roofs popular of the mid-century modern homes. This is a Jeffries built home which means quality in construction. From the the first step in this Star of Paradise home you will notice the raised ceiling in the kitchen and dining areas, the gourmet gas oven range in the kitchen and the easy transition to the over sized backyard patio; the seller completed a full pool and deck renovation in 2021 complete with a 400K BTU pool heater for year around swimming, you will easily extend your indoor living to the vast outdoor space. Don't forget to check out the fun detached insulated and air conditioned laundry room. You will love this home!

43603 N 44th Lane Anthem, AZ 85087

$670,000
4 Beds
3 Baths
3,324 SqFt
Status Active
MLS # 6778395
Property Type Single Family Residence
Price Type --
Beautiful 2 story home in popular Anthem community. This 4 bedroom/3 bath has an office, loft and a 2 story open family room. A large laundry room with a sink and counter space. A welcoming mud room with a bench to change your shoes. Master bedroom has a nice setting area with double sinks, shower, tub and private toilet area. Granite counter top in kitchen and stainless steel appliances. Ceiling fans in every room, but one. Covered front and back patio with landscaping. Large backyard to play and enjoy the outdoors.

25615 S Ribbonwood Drive Sun Lakes, AZ 85248

$670,000
2 Beds
2 Baths
2,137 SqFt
Status Active
MLS # 6777179
Property Type Single Family Residence
Price Type --
GOLF COURSE LOT HAND-PICKED DURING THE GRAND-OPENING of PALO VERDE!! ENJOY VIEWS down 2 fairways! Owned Solar Electric System. Enter Lovely Home at RoseGarden. Luxurious Plantation Shutters, Vaulted Ceilings, Fans Throughout. Remodeled Kitchen and Baths .Dream Kitchen-Granite, Double Wall Ovens, Garden Window, Kitchenaide Stainless Steel Appliances. Formal Dining Rm. Family Rm VIEWS! Mirrored WetBar. Entertainment Center is optional.1st BRm 16X15! Amazing Views! Step out to Covered Patio on wide lot with Citrus Trees. Flowering Desert landscaping on auto-watering. Enjoy Jetted Spa Bath. Beautiful Travertine Showers in Both Baths. 2nd BRm15x14! Has built-in Office. 5ft extended Garage+ GOLF CART garage! HANDICAPPED FEATURES. ¼ MILE TO PRIVATE Palo Verde Clubhouse, Pools. Guarded 24/7

2821 W Libby Street Phoenix, AZ 85053

$670,000
5 Beds
3 Baths
2,636 SqFt
Status Active
MLS # 6713274
Property Type Single Family Residence
Price Type --
Welcome to your dream home, a one-of-a-kind custom-built masterpiece that exudes elegance and sophistication. Built in 2019, this is the newest two-story house on the block, featuring a grand entry with a stunning wood door that sets the tone for the luxury within. This exceptional residence offers unparalleled luxury and modern amenities, ensuring a lifestyle of comfort and convenience. With five generously sized bedrooms, there's ample space for family, guests, or even a home office. Each bedroom is designed to provide maximum comfort and privacy, complemented by three beautifully appointed full bathrooms with high-end fixtures and finishes, offering a spa-like retreat for your daily routine.The heart of the home features custom cabinets and top-of-the-line stainless steel appliances, perfect for the home chef. Granite countertops add a touch of elegance to the kitchen's open layout, which is ideal for entertaining and family gatherings. The living spaces are adorned with stunning wood floors, and the grand wood staircase adds warmth and charm to the interior. Vaulted ceilings create an airy and spacious ambiance, while double wide patio glass doors seamlessly connect the indoors with the outdoor living areas. For those with a passion for travel, the RV gate provides convenient storage and access for your recreational vehicles, making it easy to embark on your next adventure. The home is equipped with two high-efficiency air conditioning units, ensuring comfort throughout the year. Energy-efficient windows by Milgard and foam insulation enhance the home's sustainability and energy savings. Recessed lighting throughout the home provides a modern touch and brightens every corner. The garage features an 8-foot door with extended height, perfect for larger vehicles. Additionally, the oversized water heater ensures that you'll never run out of hot water. The extended back patio is perfect for outdoor living and entertaining, complete with electrical wiring for up to three ceiling fans. The backyard also features a full-size shed for extra storage and is enclosed by a block stucco wall for added privacy and security. The home also boasts a comprehensive salt water filtration system for clean and healthy living. The exterior of this custom-built gem boasts a stylish stucco finish, adding to its unique architectural design. Every detail of this home has been thoughtfully designed to offer the utmost in modern living. From the open-concept living spaces to the high-quality materials used throughout, this home is the epitome of luxury. This property is not just a house; it's a lifestyle. Don't miss the opportunity to own this extraordinary home that combines unique design, luxurious features, and modern amenities. Schedule a private tour today and experience the beauty and elegance of this exceptional property.

16074 W Cortez Street Surprise, AZ 85379

$670,000
4 Beds
3.5 Baths
3,348 SqFt
Status Active
MLS # 6691064
Property Type Single Family Residence
Price Type --
***Motivated Seller*** Gorgeous two-story home nestled in the highly desirable community of Greer Ranch with indoor-outdoor resort-style living. As you walk through the courtyard with mature landscaping you will enjoy its timeless beauty. This spacious 4 bedrooms/3.5 bathrooms with 1 bedroom & 1.5 bath located downstairs flows seamlessly from room to room. Large master suite, master bath vanity has granite counter tops with double sinks, separate shower, relax while soaking in the large garden tub. Nice size master walk-in closet will check all your boxes! A cozy family room with new carpet. Gorgeous eat-in-kitchen is fit for entertaining and features granite counter tops, island for extra prep & storage, stainless steel appliances, gas stove/oven, R/O drinking water system. Head upstairs to a large loft, master suite & bath, 2 bedrooms & second bath also with granite counter tops. Ceiling fans throughout. Resort-style desert oasis backyard features covered patio, travertine decking throughout the back yard, sparkling saltwater pool that includes a water feature and electric heating /cooling system to help with the colder nights and warmer days, and lighting to give it that amazing ambiance. Gorillas' basketball hoop with concrete court. 3 car extended garage with a 2/1 split. Gated dog run with dog door. This home also includes automated smart home switches and paid solar system to help with energy cost. This home is ideally located less than a few minutes from Route 303, premier dining, shopping, entertainment and much more. This home is truly a must see! Don't miss your chance to own this distinctive home and start making heart warm memories with your friends and family!

3535 W Morgan Lane San Tan Valley, AZ 85144

$670,000
5 Beds
3 Baths
3,190 SqFt
Status Active
MLS # 6720802
Property Type Single Family Residence
Price Type --
Nestled in the desirable San Tan Heights community, this 5-bedroom, 3-bathroom home offers comfort and style to impress even the most discerning buyers. The spacious newly painted home features a renovated kitchen, luxury vinyl flooring, and an inviting living space with an abundance of natural light flooding through. The gourmet kitchen is a chef's dream featuring high-end stainless-steel appliances, quartz counters and a huge island with plenty of storage. The master suite boasts a full bath with double sinks, a private toilet room, and a separate shower and tub. Outside, a private pool with a waterfall rock feature awaits, perfect for relaxing or entertaining. Three car garage with your own Tesla high speed charger. Don't miss out on this Arizona oasis!

1450 W Sea Haze Drive Gilbert, AZ 85233

$670,000
5 Beds
3 Baths
2,690 SqFt
Status Active
MLS # 6739431
Property Type Single Family Residence
Price Type --
Welcome to the Islands in Gilbert. Seller is offering $5,000 credit toward buyers closing costs/rate. Offering premier lake views, amenities, and tropical feel. The community comes with 74 acres of lakes, 30 acres of grass and miles of walking/biking trails This rare 5 bed/ 3 bath 3 car garage boasts many upgrades. Including fully remodeled kitchen, cabinets, tiled bathrooms, along with new pool system and plaster. Spacious floor plan is great for all your hosting needs with many restaurants and amenities nearby. You are not just buying a home, you are investing in a lifestyle and premier community. Don't miss out, this is one of a kind!

1803 E Dava Drive Tempe, AZ 85283

$670,000
3 Beds
2.5 Baths
2,245 SqFt
Status Active
MLS # 6741645
Property Type Single Family Residence
Price Type --
Beautiful Cul-de-sac Tempe home located in a lake community. This 3 bedroom, 2.5 bath home with a loft is immaculate and move in ready! Many recent upgrades and Vaulted ceilings, plantation shutters and neutral ceramic tile flooring in the right places. The large kitchen includes granite counters, island and ss appliances. All 3 bedrooms and a large loft are located upstairs. The primary bedroom features a fully updated showstopper of bathroom including custom barn doors and a walk-in closet equipped with custom cabinetry. Resort style backyard is a dream, and features include an Aluma wood covered patio, high-end travertine that carries out to surround the sparkling Pebble Tec pool with a custom water feature and new equipment. Lastly take a stroll around the community lake a few steps away from the home. Short list of updates: New HVAC in 2022 New kitchen appliances in 2022 New exterior paint in 2022 Remodeled backyard in 2020 including pool resurface, expansion of pergola and custom travertine. All windows including slider replaced in 2020 with Anderson Windows Interior bathrooms fully remodeled in 2019

4133 E Sidewinder Court Gilbert, AZ 85297

$670,000
4 Beds
2.5 Baths
2,502 SqFt
Status Active
MLS # 6756461
Property Type Single Family Residence
Price Type --
New Paid Solar! New pool, New AC, New flooring, New windows, New patio doors, granite countertops, extended kitchen island, stainless steel appliances, a tiled backsplash, and wine fridge. New non slip floors, and carpet. This 4 bedroom, 2.5t bathroom home in the heart of the coveted community of Power Ranch has been remodeled and upgraded from top to bottom w/ over $130k in upgrades. Has ample kitchen storage, a custom living room fireplace and spacious living areas. The oversized primary bedroom suite is complete with an extended private balcony, his and hers vanities, a huge soaking tub, a tiled walk-in shower and plenty of closet space. Enjoy the extended covered patio, crystal blue pool and spa, low maintenance landscaping, a built-in fire pit and relaxing seating under the pergola Upgrades on Home

4334 N Pioneer Drive Litchfield Park, AZ 85340

$670,000
3 Beds
2.5 Baths
2,851 SqFt
Status Active
MLS # 6763405
Property Type Single Family Residence
Price Type --
This Beautiful home looks like a model home! Over $100k in Upgrades. 3 beds, 2.5 bath, 3 car garage. Has Everything you could possibly want plus Mtn views & City light views. From Upgraded Chef's Kitchen, Quartz Counters, Huge loft, Custom Plantation Shutters, Butler's Pantry, not 1 but TWO large walk-in Pantrys, Upgraded carpet & pad upstairs, Hardwood floors downstairs, Surround Sound t/o hm, Tray ceiling in foyer, great rm & Primary rm and Custom Super Shower in Primary Bathroom. Check out the detailed Upgraded list in the docs tab. Plus it is across the street from a park, 1.5 miles from Verrado G.C., and all the amenties in Verrado.

2156 E Aloe Place Chandler, AZ 85286

$670,000
4 Beds
2 Baths
2,154 SqFt
Status Active
MLS # 6774726
Property Type Single Family Residence
Price Type --
Your single story, gorgeous new home is situated on a highly desirable corner lot offering north/south exposure and total privacy in the backyard! With 4 beds (2 on each side of the house), 2 baths, 2-car garage, RV gate and desert landscaping, this home was remodeled in 1/22 to include all new LVP flooring, 5'' baseboards, interior paint, light fixtures, ceiling fans, quartz kitchen & laundry room counters, quartz backsplashes, under counter and cabinet lighting, kitchen & laundry room sinks and faucets, microwave & dishwasher. Several non-load bearing, decorative walls & columns were removed to create a wonderful open floor plan. New heating & ac installed 4/23, at which time, extensive duct cleaning was also performed. En suite primary includes dual sinks, jetted tub, walk-in shower.. ...walk-in closet & french doors leading to your very private backyard. Just outside, you'll be serenaded by the soothing sound of water trickling down the rock waterfall into your Pebble Tec swimming pool with a Baja shelf. The best part is there are no two-story neighbors surrounding your backyard! The front yard landscaping was professionally designed and installed in 2022 to include upgraded PVC piping and extensive lighting for an inviting presence at night. Welcome home!

26811 N 21st Drive Phoenix, AZ 85085

$670,000
5 Beds
3 Baths
3,061 SqFt
Status Active
MLS # 6770525
Property Type Single Family Residence
Price Type --
This home has it all—style, space, and smart upgrades to fit modern living. Get ready to fall in love with this light-filled beauty tucked away in the desirable Valley Vista community! This 5-bedroom, 3-bath gem welcomes you with soaring vaulted ceilings, a bright and open floor plan, and modern updates that make it truly move-in ready. Whether you're hosting friends or enjoying quiet family time, the airy main living space sets the perfect vibe with its neutral palette and seamless flow. ✨ Updated Kitchen - A Chef's Dream: The heart of the home is a fully remodeled kitchen (2020) featuring sleek new cabinetry, Quartz countertops, and a large island perfect for entertaining or enjoying your morning coffee. 🛏️ Retreat to Your Master Oasis: The spacious master s a walk-in closet and a spa-like en-suite bath complete with dual sinks, a soaking tub, and a walk-in showeryour own private escape after a long day. =Ë Extra Living Space on the Second Floor: Upstairs, a spacious loft offers endless possibilitiesgame room, home office, or even a cozy reading nook. < Mountain Views + Outdoor Perfection: Step outside to your upgraded backyard oasis featuring a covered patio and lush turf (added in 2022)perfect for weekend barbecues or relaxing under the stars. And did I mention those stunning mountain views? It's the kind of setting you'll never get tired of. < Upgrades Galore! This home has been meticulously updated for comfort and efficiency: Luxury vinyl plank flooring (2020)stylish, durable, and low maintenance Energy-efficient windows, doors, and solar panels (2022)lower utility bills and greener living New insulation (2022) for year-round comfort Modern ceiling fans & updated lighting fixtures (2020) throughout =Í Prime Location: With quick access to I-17, the 101, and Norterra's shopping, dining, and entertainment options, everything you need is just minutes away. This home has it allstyle, space, and smart upgrades to fit modern living. Homes like this don't last long in Valley Vista. come see see for yourself why this one is truly special! <

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