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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2265 S Willow Way Pinetop, AZ 85935

$669,000
3 Beds
2.5 Baths
1,829 SqFt
Status Active
MLS # 6758749
Property Type Single Family Residence
Price Type --
Welcome home to your mountain retreat in the heart of Pinetop, Arizona, nestled within the majestic Ponderosa pines of the beautiful White Mountains. This custom new construction home offers the perfect blend of modern luxury and serene mountain living. ***Featuring exquisite custom doors and windows, this home is designed to capture the natural beauty of its surroundings while providing an abundance of natural light and stunning views. ***The spacious and inviting covered deck is perfect for outdoor living, allowing you to enjoy the fresh mountain air and tranquil forest setting year-round. ***Step inside to find an open-concept layout with high-end finishes and thoughtful design touches throughout. The home boasts luxury vinyl flooring and quartz countertops, complemented by More.. dovetail, soft-close cabinets throughout. ***The kitchen is a chef's delight, featuring a huge island, Whirlpool stainless steel appliances, and a gas stove, all seamlessly integrated into the living and dining areas. ***Aspen tongue-and-groove vaulted wood ceilings in the great room extend to the covered deck, enhancing the home's rustic charm. ***The master suite offers a luxurious custom-tiled shower and a large soaker tub, providing a private oasis. Guest rooms are thoughtfully located on the opposite side of the home for added privacy and comfort. ***Additional features include a spacious pantry, a separate laundry room with ample storage, and a large 650 sq. ft. garage designed to accommodate a full-size pickup and SUV. ***The home has spray foam insulation for the ultimate energy efficiency year round. The location is just half a mile to the crown jewel of Pinetop-Lakeside, Woodland Lake Park, offering endless opportunities for outdoor activities and scenic beauty. Experience the unparalleled charm and comfort of this custom home. Surrounded by nature and crafted with meticulous attention to detail, it's a haven for those seeking a unique and luxurious mountain lifestyle. Book your private tour today and make this extraordinary property your own! What makes this home extra special are the builder upgrades to the home: Upgraded exterior and interior doors Upgraded Windows Spray foam insulated including garage Upgrade cabinets with dove tail drawers, boxes made out of real wood not partial board. Soft closing drawers and doors. Custom tiled master bath and soaking tub. Guest bath custom tile. Vaulted ceilings with aspen tongue and groove 11''x27' covered back porch with aspen t&g lid. Corner lot with extra ground due to utility easements on two sides to make a bigger lot. Custom insulated 8 ' garage door for 650sqft garage 30 year roof. Over built foundation for extra strength with interior footing. Split face block stem walls.

23906 S Sunland Court Sun Lakes, AZ 85248

$669,000
2 Beds
2.5 Baths
2,151 SqFt
Status Active
MLS # 6764544
Property Type Single Family Residence
Price Type --
The Paloma model is a stunning 2-suite 2.5-bath home with custom closet built ins, offering 2,151 sqft of open living space and a 2.5-car garage with plentiful room for your golf cart. It is situated in the highly sought after Oakwood community within Sun Lakes. Dedicated to active adults, this home is part of a vibrant retirement destination. Residents can enjoy lunch or dinner at the 'Stone and Barrel,' on ground's restaurant, watch the game on the 25 televisions at the Ironwood Grill, or just relax with a drink while watching the sunset over the lakes at the various eating establishments all within the Sun Lakes community. Surrounded by mature landscaping, this community features 45 holes of golf, 10 lighted tennis courts, 10 pickleball courts, and a 25-meter lap pool, spa sauna, and fitness center personal training options. You'll also find scenic trails and walkways throughout the four different phases, over 100 clubs to partake in, and amenities for formal or informal gatherings. Making it a perfect spot for creating memorable events. The home itself sits on a wonderfully large landscaped quarter acre, (room enough for an additional casita) within a quiet cul-de-sac. It boasts a new roof replaced in 2023, new A/C units in 2023, new natural stone tiles, extra tall baseboards, granite countertops with stone backsplashes, and remodeled bathrooms. The generous laundry room includes a convenient sink, and cabinets for ample storage. A mirrored wet bar, cozy fireplace, and a spacious covered patio with an automatic retractable awning complete this elegant jewel. Perfect for entertaining or relaxing. Come home to this age appropriate oasis in the Valley of the Sun.

12237 W Ashby Drive Peoria, AZ 85383

$669,000
4 Beds
2.5 Baths
2,476 SqFt
Status Active
MLS # 6765595
Property Type Single Family Residence
Price Type --
Welcome to this stunning single-level home on a corner lot in the highly sought-after Vistancia Village. This N/S exposure corner lot offers direct access to Vistancia's Discovery Trail. This 4-bed, 2.5-bath open floorplan features: 10-foot ceilings, wood shutters with invisible louvers, custom nooks, security-lock with mesh steel screen doors, ceiling fans, custom lighting fixtures and no carpet though out. The Chef's kitchen showcases the built-in SS appliances, oversized island, and beautiful Knotty Alder cabinets. The 4-car garage is equip with built in cabinets and a work bench. The single bay garage has a mini-split air conditioning unit, perfect for a home gym, art/hobby room or classic car! Host amazing parties in the professionally landscaped yard with resort style pool & landscaping and artificial turf. Take in the amazing Arizona sunsets while grilling at the built-in BBQ island or relaxing under the pergola. Rated the top master planned community several years in a row, Vistancia Village offers a lifestyle that includes pickleball, golf, 3 swimming pools, trails, parks, clubs and classes for all interests and a large offering of community events! Perfectly situated off the 303 freeway, enjoy easy access to shopping and dining!

1717 N 1st Avenue Unit 217 Phoenix, AZ 85003

$669,000
2 Beds
2 Baths
1,275 SqFt
Status Active
MLS # 6770698
Property Type Apartment
Price Type --
The residence at artHAUS offers one of the only two distinctive floor plans. It features a split layout encompassing 1,275 sqft, 2 bedrooms/2 bathrooms, an open-concept design with high ceilings & abundant natural light. This unit comes with two parking spaces in a secured and enclosed parking garage, with one of the spaces equipped with a universal EV charger. Furthermore, the owner has implemented several elegant customizations to the unit, including the custom-designed staircase, the upgraded closet design & lighting system, a spacious kitchen island, backsplash, under-cabinetry lighting, upgraded toilets, & ceiling fans. artHAUS comprises 25 urban dwellings designed and developed by Jason Boyer, the recipient of the 2017 Builder's Choice & Custom Home Design Award Conveniently situated within walking distance of popular attractions such as the Phoenix Art Museum, Hance Park, and the ASU Downtown Campus, as well as some of the finest dining options in Phoenix, artHAUS prioritizes sustainability and energy efficiency. All units meet stringent Energy Star and LEED for Homes certification criteria. The building has a rooftop solar array that offsets 100% of the HOA power demand and enclosed parking garage facilities with electric vehicle charging stations available to residents.

40478 N Wood Lane San Tan Valley, AZ 85140

$669,000
3 Beds
2.5 Baths
2,586 SqFt
Status Active
MLS # 6770116
Property Type Single Family Residence
Price Type --
Everything about this home is perfect. The layout, the lot, the upgrades, the backyard and the community! The home has been tastefully upgraded throughout and features custom touches that make it a standout. The kitchen is a dream - with quartz countertops, tasteful backsplash,tons of cabinet space, stainless steel appliances, gas stove and custom hood, in wall oven and a huge island to entertain friends and family. The great room has a wall of glass that makes the space feel even larger and allows conversations and views to flow easily from inside to outside. The backyard is perfect - pool, pergola, BBQ and large covered patio are ready for you to enjoy the upcoming fall and winter cooler weather.Back inside, the secondary bedrooms have walk in closets and both them and the office are spacious. The master suite has tons of natural light due to the bay window plus a huge closet. The master bath is as upgraded as the rest of the home with gorgeous appointments to the shower, flooring and countertops. The powder bath is perfect for guests and the secondary bath is large enough to be shared and not feel cramped. The home has so many other gems to offer - RV's are welcome, the smart home apps allow you to control the garage door, yard watering system, thermostat, and Ring doorbell remotely, most of the interior flooring is wood look plank flooring, the pool is salt water, there is a gas stub in the backyard to add to the oasis, sunscreens, lush landscaping and tons of storage inside are some of them!

10203 N 185th Lane Waddell, AZ 85355

$669,000
4 Beds
3.5 Baths
2,554 SqFt
Status Active Under Contract
MLS # 6772523
Property Type Single Family Residence
Price Type --
Experience luxury in this Arizona desert oasis, featuring a residence and a fully equipped attached casita/guest house, perfect as an in-law suite, for guests, or rental income. The resort-style backyard includes a saltwater pool and spa, limestone patio, high-end BBQ grill, outdoor kitchen, cozy fire pit, and landscape lighting. The home offers 4 bedrooms, a den/office, plantation shutters, and an updated bathroom with a custom walk-in shower. Enjoy an open concept living area with high ceilings, surround sound, and a gourmet kitchen. Additional features include an RV gate, security cameras, and a 3 1/2-car garage with epoxy flooring, cabinets, and room for oversized trucks. Easy access to White Tank Mountains and Prasada shopping/dining.

2595 Kettle Way Happy Jack, AZ 86024

$669,000
4 Beds
2 Baths
1,983 SqFt
Status Active
MLS # 6693920
Property Type Single Family Residence
Price Type --
Nestled amidst the picturesque landscapes of Happy Jack, Arizona, stands a magnificent custom home that embodies the epitome of luxury living. With four bedrooms and two baths, this residence offers a spacious and inviting retreat. The cathedral ceiling adds a sense of grandeur to the home, while a wall of cased windows floods the interior with natural light, offering panoramic views of the surrounding landscape. Adjacent to the great room is the beautiful, spacious kitchen, a culinary haven with ample counter space, and custom cabinetry, it's a chefs dream. In every corner of this home, from its elegant design to its breathtaking views, there lies a sense of peace and tranquility that is simply unmatched. It's a must see!

12702 W Sierra Vista Drive Glendale, AZ 85307

$669,000
4 Beds
3 Baths
2,910 SqFt
Status Active
MLS # 6715753
Property Type Single Family Residence
Price Type --
Welcome to this meticulously designed Julia plan by Richmond American Homes. This home offers 4-bedrooms, 3-bathrooms, perfectly situated near the Westgate Entertainment District, Cardinals Stadium, Desert Diamond Casino, and Park West shopping. Recently constructed in 2022, this residence boasts a spacious family room, an open floor plan, and impressive 10-foot ceilings. Pamper yourself in the upgraded master shower and enjoy the convenience of center-meet sliding doors opening to an expansive patio. This home is equipped with upgraded lighting, elegant wood tile floors, energy-efficient solar panels, and more, ensuring a lifestyle of modern living.

20925 E Via Del Oro -- Queen Creek, AZ 85142

$669,000
4 Beds
3 Baths
2,402 SqFt
Status Active
MLS # 6744959
Property Type Single Family Residence
Price Type --
This beautifully remodeled home has it all! 4 bedrooms, 3 full baths with a pool, 3-car garage, separate downstairs guest quarters, dual walk-in closets & jacuzzi tub in the primary suite, water softener, oversized lot with mature fruit trees & putting green. You get all that PLUS access to the community center with community pool, golf course, gym and more! Walk or ride your golf cart on over to the bistro, Founder's Park, doctor's offices, shopping - you name it - all your conveniences are under a mile away! This is truly a rare find in the heart of Queen Creek.

10695 E Straight Arrow Road Dewey, AZ 86327

$669,000
4 Beds
4 Baths
3,298 SqFt
Status Active
MLS # 6760408
Property Type Single Family Residence
Price Type --
Nestled in the desirable Prescott Country Club community, this home offers comfort, convenience, and captivating views. This 4-bedroom haven is move-in ready. Step inside to discover a bright living space with a remodeled kitchen. New furnace and water heater (2023) ensure year-round comfort, while updated windows frame stunning vistas. The main level features single-level living with 3 bedrooms, laundry, garage, and an office. The lower level boasts an in-law suite with a kitchen, living room with a fireplace, and a sauna. Imagine hosting gatherings on the expansive deck, taking in the views, or firing up the BBQ. Additional highlights include a 2.5-car garage with built-ins, a second laundry downstairs, pre-wired surround sound, and skylights. This house is truly a home.

3369 E Lafayette Avenue Gilbert, AZ 85298

$669,000
5 Beds
4 Baths
2,529 SqFt
Status Active
MLS # 6765930
Property Type Single Family Residence
Price Type --
This amazing 5-bed, 4-bath haven w/a lovely curb appeal nestled in Seville Community CAN be purchased completely furnished! Interior boasts a charming great room w/wood-look flooring & large windows providing natural light. Upscale kitchen offers plenty of white cabinets w/crown moulding, recessed lighting, quartz counters, a center island w/a breakfast bar, tile backsplash, floating shelves, SS appliances, & a quaint breakfast nook. Sizable loft is ideal for a study or TV area. Fall in love w/the spacious primary retreat with plush carpet, an ensuite w/dual sinks, a floor-to-ceiling tiled shower, & a walk-in closet. PLUS! One Jack & Jill bathroom. The serene, low maintenance backyard promises year-round enjoyment w/its covered patio, artificial turf, a sparkling pool & spa. All items can be purchased on a separate bill of sale.

2115 N 70th Place Scottsdale, AZ 85257

$669,000
4 Beds
3 Baths
1,645 SqFt
Status Active
MLS # 6771057
Property Type Single Family Residence
Price Type --
WOW what a gorgeous Property!!! This 4 bed / 3 bath home sits on a Generous Lot and has been Completely Remodeled by LICENSED CONTRACTORS. House Boasts: New Black Shaker Soft Close Cabinetry, Custom Backsplash, Quartz Counters, New Appliances, New Tile and Laminate Flooring, Remodeled Bathrooms, All new Electrical and Plumbing Fixtures, New Doors / Baseboards and Trim, Custom Finishes, Fresh Paint Inside and Out, Dual Pane Windows, Newer HVAC and Roof, New Landscaping, Covered Patio with Pavers and MUCH MUCH MORE!!! Very hard to find 4 Bedroom and 3 Baths Remodeled under 700k. Wonderful location close to Shopping, Dining and Entertainment. Loops 101 and 202 nearby for quick commute anywhere in the VALLEY. Tremendous School District. Do not miss out on this AMAZING OPPORTUNITY. RATE Buydown option available for right price!!!

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