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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4208 E Oak Street Phoenix, AZ 85008

$669,900

3 Beds

2 Baths

1,781 SqFt

Status Active

MLS # 6778096

Property Type Single Family Residence

Price Type --

Seize the opportunity to live in the coveted Arcadia neighborhood, nestled close to premier shopping, dining, and entertainment. This exquisitely updated home sits on just over a quarter-acre and features three bedrooms and two bathrooms across 1781 square feet with an expansive great room design and additional sunroom. The kitchen boasts pristine white cabinets, Quartz and butcher block counters, a remarkable Frigidaire gas stove with pot filler, custom tile backsplash, and a central island with a breakfast bar. The main bedroom is equipped with an ample walk-in closet, a stylish accent wall, and a sliding barn door that opens to an en suite bathroom with a dual-sink vanity and a tiled shower featuring a rain showerhead and glass enclosure. An enclosed patio adds a versatile living area ideal for a home office or fitness space. The vast backyard offers abundant grassy areas for children and pets, mature trees for shade, a large patio for gatherings, a covered shuffleboard court, an RV gate with a concrete slab for extra parking, all surrounded by a block fence for privacy. Additional features include a single-car garage with extra carport space, a charming entrance with exterior shutters and a Dutch front door, an electric fireplace in the great room, custom window treatments, recessed lighting, luxury vinyl plank flooring in the common areas, an inside laundry room, and much more.

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17159 E Rand Drive Fountain Hills, AZ 85268

$669,900

3 Beds

2 Baths

1,580 SqFt

Status Active

MLS # 6774975

Property Type Single Family Residence

Price Type --

Fabulous 3BR/2BA split master plan features an open kitchen / living room area perfect for entertaining. Upgraded kitchen includes stainless steel appliances, maple wood cabinets & massive breakfast bar with granite counters. Cozy enclosed Arizona Room set up with a fireplace for those quiet movie nights or book reading binges. Vaulted ceilings throughout! MASSIVE lot at over 20,000 SF, offers superior desert mountain views to the northeast! Perfect 2nd home for those that love the Arizona winters & refuse to shovel snow ! Superior location ! 10 minutes from the Mayo Clinic, 20 minutes from al the premier shopping and dining in Scottsdale, Kierland, etc. Take a 1 hour drive north to the cool mountain town of Payson and or 1.5 hours to the rim. A MUST SEE !

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4444 E Jesse Street Gilbert, AZ 85295

$669,900

4 Beds

3 Baths

2,420 SqFt

Status Active

MLS # 6731266

Property Type Single Family Residence

Price Type --

Fabulous 4 bedroom/3 bath floorplan located in the highly sought after community of Cooley Station. The open floorplan boasts 10 foot ceilings with the primary en suite, 2 bedrooms, a full bathroom, and large laundry room with built in cabinets on the first floor. The gourmet kitchen includes a farmhouse sink, LED dimmable lighting under kitchen cabinets, subway tile surround on kitchen Island, upgraded kitchen cabinets with crown molding, and ceramic subway tile back splash. A nice size loft, sitting area, bedroom, and full bath are located upstairs- perfect for guests! Exit out to the beautifully landscaped yard from the kitchen to a large covered patio and artificial turf. The community offers 2 pools and 4 large parks; 1 just footsteps from the front door. Complete front landscape and back alley landscape fully maintained by the HOA. This home is designed with functionality and style in mind, catering to both practical needs and aesthetic preference. The combination of modern amenities and thoughtful details suggests a well-appointed and comfortable living space. Don't miss this wonderful opportunity to live in Cooley Station!

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12926 W Katharine Way Peoria, AZ 85383

$669,900

2 Beds

2 Baths

1,925 SqFt

Status Active

MLS # 6732085

Property Type Single Family Residence

Price Type --

Resort Living in this Highly Upgraded Popular ''Nice'' Model, Features a Stainless Gourmet Chefs Kitchen with 36'' Kitchen Aid INDUCTION Cook Top, Wall Oven, Microwave, Granite Counters, Pendant lighting, Decorator Backsplash, Large Sink, Roll Out Shelves & Under Counter Lighting. Great Room features Entertainment Wall w/ Floating Shelves, Stone & FP. Wood Floors in Great-room, DR & Den. Crown Molding & Shutters. Granite & Cabinets in Smart Room W/Sink, Beverage Cooler & BI Desk. Bathrooms Boast Granite Counters, Framed Mirrors & His/Her Vanities in Master. Large Entertainers Private Backyard w/ Multiple Paver Patios for Social Functions. A Covered Patio W/ Commercial Misters, B/I Sundance Spa, Gas Firepit, Fountain, Outdoor Kitchen, Synthetic Grass, Mature Plants & Mountain Views. Custom Glass & Iron Front Door. Garage features Wall of Cabinets for your Storage Needs, Epoxy Floors, New Garage Door Opener, Service Door to Enclosed Trash area. Paver Driveway and Walk Ways. Many upgrades in this Beautiful home. Interior painted in 2023, Exterior painted in 2020, New Water Heater 8/2024

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18172 W Devonshire Avenue Goodyear, AZ 85395

$669,900

4 Beds

2.5 Baths

2,322 SqFt

Status Active

MLS # 6751190

Property Type Single Family Residence

Price Type --

Sedella is an RV friendly community where toys are welcomed. This 4-bed, 2.5-bath semi custom home features: PAID OFF SOLAR, BRAND NEW Trane A/C unit installed and OWNED HALO 5 water filtration syst.,Freshly painted inside and out, front & backyard pavers, custom RV gate, Chef's Kitchen Appliances(Thermador), granite counters, oversized island. Great Room offers an outstanding view to the backyard with custom automated shades. Primary Suite has walk in shower & separate vanities. Split Floor plan,vinyl plank flooring in all the right places. Take in the mountain views from the oversized backyard. Enjoy the real grass, beautiful palm trees and evenings sitting around the fire-pit. Mini split in 2 car garage. Custom cabinetry and freshly painted walls in both garages.

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4327 E Tether Trail Phoenix, AZ 85050

$669,900

3 Beds

2 Baths

1,845 SqFt

Status Active

MLS # 6750004

Property Type Single Family Residence

Price Type --

Newly upgraded beauty!!! Owner has been in home a year now and has done many wonderful upgrades!! 3 bedroom 2 bath. Den off master. Inside Laundry. Walk through front door to open ceilings and natural bright light! Home offers Living room with dining room, Separate family room that is open from kitchen. Kitchen recently remodeled with gorgeous quartz counters, stone backsplash, stainless steel appliances, large pantry and island. Owner has just painted the entire inside and outside of home!! New carpet in all bedrooms, new wood fireplace mantel, brand new roof, had the entire house replumbed with PEX, added front and back security doors, AC just serviced, new window coverings in master bath, eat in kitchen, 2nd bedroom and family room. New exterior lighting, keep reading more.. New light fixture in dining room.Beautiful stone Gas fireplace just serviced. Gas valve added outside for future use. New coach lights at front door and garage. All trim in house just painted! Hallway has cabinets with countertop. Water softener and workbench in garage. North South exposure!! Large extended covered patio overlooking beautiful turf yard.

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22917 N 71st Drive Glendale, AZ 85310

$669,900

5 Beds

3 Baths

2,887 SqFt

Status Active

MLS # 6758356

Property Type Single Family Residence

Price Type --

This stunning 5-bedroom, 3-bath property sits on an expansive corner lot in one of the most desirable neighborhoods in Glendale. Boasting a fantastic backyard oasis, this home is made for outdoor living and entertaining with a sparkling pool, large covered patio, and plenty of grassy area for kids or pets to play. The RV gate provides added convenience for parking your toys, making it perfect for adventurous Arizona living. Inside, you'll find a spacious and versatile layout with plenty of room for family and guests. Whether you're relaxing in the bright, airy living spaces or enjoying the sun in the private backyard, this house truly has it all. Don't miss this rare opportunity to own a home that blends luxury, comfort, and the best of Arizona's indoor-outdoor lifestyle.

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16600 N Thompson Peak Parkway Unit 1053 Scottsdale, AZ 85260

$669,900

3 Beds

2 Baths

1,674 SqFt

Status Active

MLS # 6774524

Property Type Townhouse

Price Type --

Ground floor unit all one level, city light views, 3 bed, 2 bths, remodeled throughout, quartz countertops, large format tile flooring, shutters in greatroom, gas fireplace, and 2 patios. Steps from community pool, spa and fitness workout room. Walking distance to Basha's Supermarket, restaurants, salons, and animal clinic. Close to hiking trails and golf. Access to McDowell Mtn community pools, including lap pool, spas, tennis and pickleball courts, playground and events. Aquatic center near by with skate park, lap pool and fitness center.

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70 W Roadrunner Drive Chandler, AZ 85286

$669,900

4 Beds

2.5 Baths

2,750 SqFt

Status Active Under Contract

MLS # 6675936

Property Type Single Family Residence

Price Type --

ASSUMABLE LOAN AT 2.75%!! -- Open to Veterans, Non-Veterans AND INVESTORS! Don't miss this recently remodeled home in Chandler. Oversized kitchen was recently updated and all new flooring throughout the home. Features 4 bedrooms and an office, an oversized loft, 2.5 baths with a 1 car garage separate from the 2 car garage. All appliances are included. Step into the back yard with the large covered patio, diving pool and spa.

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18733 N Avila Drive Surprise, AZ 85387

Open House

$669,900

2 Beds

2.5 Baths

2,539 SqFt

Status Active

MLS # 6773537

Property Type Single Family Residence

Price Type --

Beautiful updated Ashbury home in one of the quietest areas in The Grand. Great open floor plan with large kitchen, dining, and living area. Kitchen has island with lots of storage, new counter, updated cabinets and all new stainless steel appliances. The living area boasts a beautiful Stonecreek media wall with fireplace and lighted shelves. The large primary bedroom includes a walk-in closet, beautifully remodeled en suite bathroom with walk in shower and free standing bathtub. Guest bedroom includes an updated en suite bathroom. Den includes a Murphy bed and can double as an office or extra guestroom. New floors and plantation shutters throughout and large windows provide lots of natural light and enhance the beauty of this home. Laundry room has new cabinets, new washer/dryer, sink and clothes bar. New paint throughout the interior and exterior. Triple garage with new storage cabinets. A private covered patio completes the beauty of this home!

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8732 S Sun Quail Terrace Hereford, AZ 85615

$669,500

5 Beds

3 Baths

3,023 SqFt

Status Active

MLS # 6452313

Property Type Single Family Residence

Price Type --

To be built. Construction will begin with contract to start. This is your opportunity to have a custom home built and still have the availability to pick out your homes finished look. Home is located in the beautiful Three Canyons area in the Covey Run subdivision. Mountain Views and scenic living all around.

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32663 N Aris Drive San Tan Valley, AZ 85143

$669,245

4 Beds

3 Baths

2,888 SqFt

Status Active

MLS # 6762800

Property Type Single Family Residence

Price Type --

Gorgeous new single-story home on an oversized homesite in Bella Vista Farms. Loaded with designer selections, this home offers 4 bedrooms, 3 bathrooms, an attached 3 car garage, and a 8' RV Gate. The extraordinary kitchen features a Monogram 36'' gas cooktop with double ovens, Della Terra Quartz kitchen counters in New Venatino Beige, and extended cabinets at the dining room. Other highlights include Aristodraft Maple Cabinets in burlap with soft close doors and drawers, a frameless walk-in shower at the primary suite with a Rain can shower head, 24'' x 24'' tile, upgraded carpet, split bedrooms, and an iron entry front door. Utilities include: Mesa Gas, Epcor Water Sewer, and Rural Metro Fire.

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