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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6334 N 19th Street Phoenix, AZ 85016

$670,000

2 Beds

2 Baths

1,751 SqFt

Status Active

MLS # 6772914

Property Type Single Family Residence

Price Type --

This is a rare opportunity to own in the coveted Estate Monterra, built by acclaimed North Central home builder, the late Paul Staman. This is a charming community tucked away in a private and quiet enclave of 36 patio homes. The patio home has been taken care of meticulously & has only had two owners since it was built,.Beautifully and tastefully updated throughout! Gorgeous kitchen with gas range and lovely breakfast nook! One level, no steps, direct access to 2 car garage, block construction, plantation shutters. 2 beds/2 baths PLUS den. Dramatic wood burning fireplace. Back patio is a peaceful sanctuary. Amazing custom built-in bookshelves and cabinets throughout. Lovely hardwood floors. This is a pristine home. Fantastic location minutes to biking & walking paths, close to the... 51 & in the center of fabulous dining & shopping at the Biltmore & North Central. This is a wonderful permanent home or 2nd home. This is an absolute must see!

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5107 N 185th Avenue Litchfield Park, AZ 85340

$670,000

4 Beds

3.5 Baths

3,430 SqFt

Status Active

MLS # 6772884

Property Type Single Family Residence

Price Type --

Stunning Single-Family Home in Litchfield Park.This beautifully designed 4-bedroom, 3.5-bathroom home includes a private office and flex room, combining modern elegance with comfort in the heart of Litchfield Park. The open-concept living area offers natural light, showcasing high ceilings and premium finishes. The upgraded gourmet kitchen features quartz countertops, expresso cabinets, a generous island and walk-in pantry—perfect for both cooking and entertaining.The master suite offers a luxurious ensuite bathroom, complete with dual sinks, a spacious walk-in shower and walk-in closet. Each of the additional bedrooms provide ample space and comfort for family or guests.Step outside to your backyard sanctuary, fully landscaped with upgraded turf and pavers, ideal for relaxation or gatherings. Take advantage of nearby parks and recreational areas that Litchfield Park is known for. Conveniently located close to shopping, dining, and top-rated schools.

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14401 N 10th Place Phoenix, AZ 85022

$670,000

4 Beds

2 Baths

2,548 SqFt

Status Active Under Contract

MLS # 6744321

Property Type Single Family Residence

Price Type --

Looking for a Moon Valley Oasis? This unique four-bedroom property has million-dollar views, proximity to Lookout Mountain and North Mountain trails, and NO HOA! A biodiverse desert xeriscape supports a perfectly manicured cactus landscape with the shade of a Mesquite and Palo Verde tree in the front yard. Custom iron-wrought gates hide a secret garden in the backyard with tropical palms and producing-citrus trees. The secluded setting provides unbridled privacy. Entertain guests amongst the lavish PebbleTec pool, or in the spacious Arizona Room. The updated kitchen includes Bosch appliances, a Wine Fridge, and beautiful hand-crafted cabinets above a granite countertop, providing a unique space to cook and host. This is a must-see property. It will not last long on the housing market!

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3407 E Glacier Place Chandler, AZ 85249

Open House

$670,000

4 Beds

2 Baths

2,121 SqFt

Status Active

MLS # 6738533

Property Type Single Family Residence

Price Type --

FRESHLY PAINTED INTERIOR. BRAND NEW CARPET- COME TAKE A LOOK NOW!! Ready to move in. Exceptional single level 4 bedrooms 2 baths & Spacious 3 car garage home in popular gated community of Quail Springs in Chandler. Formal living & Dining room Updated Kitchen with Island overlooking the great room. Wired for surround sound. Kitchen cabinets and stunning granite countertops installed in 2024. Stainless Steel appliances The Refrigerator & Microwave replaced in 2023. Double Ovens Washer & Dryer installed in 2022 are included. Laundry room cabinet & Sink. Tile floor in kitchen baths and all traffic areas. Main bath with separate tub and shower. Walk-in closet with custom shelves. Dual sinks. Water Softener. RO System. Tankless water heater. Security System Borders common area with access to walking trail. Community offers large grass area and children playground Close to schools dining shopping and Citrus Vista Park. Come take a Look.

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842 E Cambridge Avenue Phoenix, AZ 85006

Open House

$670,000

3 Beds

2 Baths

1,823 SqFt

Status Active

MLS # 6752309

Property Type Single Family Residence

Price Type --

Located in the Phoenix Historic District, this 1941 residence offers a perfect blend of classic charm and contemporary upgrades. The bright, open floor plan features rich wood flooring, LED recessed lighting, and oversized windows that invite abundant natural light. The great room, complete with a gas fireplace, seamlessly connects to an upgraded kitchen boasting Thermador appliances, a white tile backsplash, and generous storage. A formal dining area and eat-in kitchen provide elegant spaces for dining and entertaining. The outdoor area includes a landscaped front and back yard, a tranquil patio, and a spacious side lot ideal for pets. Ideally positioned near a park and close to Phoenix Country Club, Sky Harbor Airport, Fashion Square Mall, dining, golfing, and major freeways. This home also includes a two-car garage and additional slab parking, making it an exceptional choice for those seeking a blend of historic character and modern amenities.

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4232 N 161st Avenue Goodyear, AZ 85395

$669,999

4 Beds

3.5 Baths

3,122 SqFt

Status Active

MLS # 6756990

Property Type Single Family Residence

Price Type --

4 Bedroom 3.5 Bath, 3 Car Garage & RV GATE. Custom Iron Gate Entrance into Private Courtyard. Beautiful Custom Tiled Entrance as you enter. TILE T/O except bedrooms. Open Floor Plan W/ Large Open Dining Area & Den. Great Room & GOURMET KITCHEN. Kitchen Features Beautiful GRANITE Countertops, Island, Stainless Steel Appliances, GAS STOVE ,DOUBLE OVENS, HUGE WALK IN PANTRY & 42'' CABINETS for Storage. PLANTATION SHUTTERS. Spacious Primary Suite with gorgeous bathroom w/ a Glass WALK-IN SHOWER, Separate Tub & double Sinks w/ Granite Countertops. 8' Interior Doors & 3 Secondary Bedrooms w/ Generous Closets. Garage W/ Cabinets & Overhead Storage Racks. Large Backyard professionally landscaped with ARTIFICIAL TURF & covered patio

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22705 E Roundup Way Queen Creek, AZ 85142

$669,990

3 Beds

2.5 Baths

2,702 SqFt

Status Active

MLS # 6770665

Property Type Single Family Residence

Price Type --

''Discover the highly sought-after Craftsman style Topaz floorplan, featuring 3 spacious bedrooms, 2.5 luxurious baths, and a versatile bonus room tailored for your lifestyle. The 6x36 wood plank tile flooring adds warmth and charm throughout the living areas. Step inside and be inspired by the gourmet kitchen, perfect for any culinary enthusiast. It boasts a 5-burner gas cooktop, built-in oven and microwave, and a stylish chimney hood. The white shaker cabinets with crown molding harmonize beautifully with the white quartz countertops and subway tile backsplash. Enjoy seamless indoor-outdoor living with a stunning 4-panel sliding door that floods the space with natural light. Retreat to the primary suite, featuring an enlarged tiled shower for a spa-like experience. Additional highlights include a convenient butler's pantry, an electric car charger package, and extra wiring for lighting and fans throughout the home. Thoughtful details like 8' interior doors, 4¼ baseboards, and a laundry-to-closet interior door enhance both functionality and style. Plus, benefit from pre-plumbing for a sink and water softener, perfectly suited to your needs. With a double gate and modern amenities designed for today's living, this Craftsman Topaz offers the perfect blend of comfort and elegance. Don't miss the chance to make this exceptional home your own!

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3249 W Via Dona Road Phoenix, AZ 85083

$669,990

4 Beds

3 Baths

2,274 SqFt

Status Active

MLS # 6771876

Property Type Single Family Residence

Price Type --

Ask about special financing with preferred lender! This single-story home is host to a generous open floorplan where the Great Room, kitchen and dining room seamlessly connect and sliding glass doors offer direct access to the covered patio for indoor-outdoor living. An additional, versatile living space is located off the foyer, while four bedrooms offer enough room for the whole family. Photos are renderings of a model home, not the actual home.

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42158 N Golden Trail San Tan Valley, AZ 85140

Open House

$669,990

4 Beds

3 Baths

2,513 SqFt

Status Active

MLS # 6733569

Property Type Single Family Residence

Price Type --

***Home for the Holidays!!!!*** Estimated completion November 2024!! - Welcome to Edgewood Estates, where luxury meets practicality! Step through the expansive foyer into a spacious great room, boasting a stunning wall of windows, perfect for entertaining guests or enjoying family time. The kitchen is a chef's dream with beautiful cabinets, a spacious island for meal prep or casual dining, and high-end finishes throughout. Retreat to the private primary suite featuring a relaxing primary bath and a generously sized walk-in closet. This home also features an Extra Suite Plus, ideal for multi-generational living or hosting guests with privacy and comfort. ^Homes have been significantly discounted and have the option of short/long term interest rate buydowns when choosing our preferred Lender. Additional eligibility and limited time restrictions apply.

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14927 N 55th Drive Glendale, AZ 85306

$669,980

5 Beds

3.5 Baths

3,053 SqFt

Status Active

MLS # 6755286

Property Type Single Family Residence

Price Type --

LEED Certified Gold Home. 5 Bedroom all with walk in closets. 3.5 Bath, Huge loft. 2 car Garage. Benton Birch Burlap Cabinets. New Caledonia granite kitchen countertops. Kitchen 42'' uppers. GE gas range, SS appliances. Tile flooring is 6'' X 36'' wood looking tile

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8045 N 14th Street Phoenix, AZ 85020

$669,900

3 Beds

2 Baths

1,758 SqFt

Status Active

MLS # 6745672

Property Type Single Family Residence

Price Type --

**Attention** Investment opportunity in North Central Phoenix! This property includes a 1758 Sf Main Home and 900 SF Remodeled Casita. Both units are leased, generating $4,320/lease monthly. NO HOA. 15,027 Sf lot with plenty of room for future expansion. The main home includes a spacious kitchen, living/family room, large, covered patio with a large backyard and RV gate. The 2-bed, 1-bath Casita includes New white shaker cabinets, stainless-steel appliances and LVP flooring. Conveniently Located near the Phoenix Mountain Preserve with quick access to hiking trails, Great Local dining, shopping, and the 51 Freeway. Quick access to anywhere in the valley, 10 minutes to Downtown Phoenix. If you're looking for an investment opportunity, check this out today to see the potential for yourself

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15402 W Old Oak Lane Surprise, AZ 85379

$669,900

4 Beds

2.5 Baths

3,529 SqFt

Status Active

MLS # 6765107

Property Type Single Family Residence

Price Type --

WELCOME TO MARLEY PARK WHERE YOU WILL FIND THE PLEASURE OF FINE LIVING. COME VISIT THIS AMAZING HOME AND FALL IN LOVE WITH IT. BEAUTIFUL UPGRADES: TILE FLOORING,GRANITE COUNTER TOPS,WHITE CABINETES,BACKSPLASH TILE,SS APPLIANCES, SPACIOUS ROOMS: DINNING,BEDROOMS & FAMILY RM. ENJOY THE OUTDOOR ON YOUR OWN POOL AND COVER PATIO WITH UPGRADES TO DELIGHT YOUR VIEW. WORDS ARE NOT ENOUGH TO DESCRIBE THIS BEAUTY.SOLAR PANELS ARE PAID OFF.YOU MUST IMMERSE YOURSELF IN IT. UPSTAIRS LOFT HAS BEEN USED AS A 2ND MASTER BEDROOM.

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