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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Sort by: Select Price, Low to High Price, High to Low Newer Listings First Older Listings First Open House Date

21320 N 56th Street Unit 2145 Phoenix, AZ 85054

Open House

$669,000

2 Beds

2 Baths

1,843 SqFt

Status Active

MLS # 6756142

Property Type Apartment

Price Type --

Carefree resort lifestyle in an incredible location! Just steps to three pools, workout facilities, and gas grills in this gated community. Walk to more than 160 shops and restaurants at High Street, Desert Ridge Marketplace and City North's new mixed-use development.! Easy access to the 101 freeway, Mayo Clinic, Scottsdale, PHX, and more, just lock and go. This 2-bed + flex, 2-bath, 1,843 sq. ft. residence overlooks green-space and features a spacious covered balcony, gas fireplace, granite countertops, large primary suite with walk-in closet, and an oversized 2-car garage.

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838 E Harvard Avenue Gilbert, AZ 85234

$668,900

4 Beds

3 Baths

2,733 SqFt

Status Active

MLS # 6706778

Property Type Single Family Residence

Price Type --

This property features four spacious bedrooms, including a convenient downstairs bedroom and a luxurious primary suite upstairs. The loft overlooks a grand living room, offering an open and airy feel. The farmhouse-style kitchen is a chef's delight, perfectly blending rustic charm with modern amenities. The family room, complete with a cozy fireplace, is ideal for gatherings and relaxation. Architectural creativity shines throughout this home, with the primary suite boasting a modern design, a custom barn door bathroom enclosure, a garden tub, and a separate shower. Step outside to your own private oasis: an expansive backyard with artificial turf, diving pool, large yard, built-in BBQ, and a dedicated dog-run. New AC and Pool Pump 2022 EV Hookup in 3 car garage. New roof 10/2024 Located on a corner lot in a tranquil cul-de-sac, this home promises both privacy and community charm. This home is ideally situated close to Freestone Park in the coveted Circle G Meadows community. With no HOA and plenty of room for your RV and toys, you'll enjoy both convenience and freedom. Don't miss the opportunity to own this unique, beautifully designed home! Seller is willing to contribute flooring allowance to enhance a cohesive look throughout.

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10348 E Tupelo Avenue Mesa, AZ 85212

$668,900

3 Beds

2.5 Baths

2,319 SqFt

Status Active

MLS # 6759378

Property Type Single Family Residence

Price Type --

Spacious home! Unique circular entrance with an open split floorplan. This is a must see 3 bedroom + den, roomy owners suite with dual vanities & bench shower. The 2 guest bedrooms share a Jack n' Jill bath with each bedroom having their own private vanity. Home also features a den, powder room, granite island kitchen and full wall granite backsplash with seating and upgraded cabinets, dining area, separate laundry and a 3 car garage. Floor upgrades and barely lived in, on an oversized lot with room for a pool, this home is located in a desirable location and walking distance to the Encore Club. (WHEW!!!) All this could be yours!

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3131 N Central Avenue Unit 3012 Phoenix, AZ 85012

$668,880

2 Beds

2 Baths

1,419 SqFt

Status Active

MLS # 6629974

Property Type Apartment

Price Type --

*Construction Completed* 5% BUYER INCENTIVE! Introducing Edison Midtown Phase 2 with 60 new construction condominiums. This spacious two bedroom plus den condo offers ten ft. ceilings, an open floor plan, and large master bedroom with ensuite bathroom. Chefs kitchen offers expansive cabinetry, quartz countertops and stainless steel appliances including a gas range. Edison Midtown features incredible amenities for that perfect Urbanite lifestyle. A beautiful pool and lap pool, 2000 sq. ft. fitness center and lounge, and gated parking garage.

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2440 W Rowel Road Phoenix, AZ 85085

Open House

$668,680

4 Beds

3.5 Baths

2,511 SqFt

Status Active

MLS # 6748781

Property Type Single Family Residence

Price Type --

NEW HOME at Aster! This home offers 2,511 sq ft of living space with 4 bedrooms, 3.5 bathrooms, large 2-car garage, walk-in closets in every bedroom and the primary and secondary bedrooms feature their own ensuite bathrooms for added privacy and comfort This home features the Elevated Design package of upgrades, including 42' White cabinets, quartz countertops, custom backsplash, large island, luxury vinyl plank and tile floors, stainless-steel GE Profile kitchen appliances and single bowl sink. Bathrooms have quartz countertops & Kohler undermount sinks. Quality and energy efficient tankless hot water heater, Tech Shield roof barrier & wet cellulose insulation. Union Park, residents can indulge in amenities including a resort, pool, clubhouse, Pickleball courts, playgrounds and more

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12312 W Luxton Lane Avondale, AZ 85323

$668,000

4 Beds

3 Baths

2,497 SqFt

Status Active

MLS # 6696707

Property Type Single Family Residence

Price Type --

This 4-bedroom 3-bathroom home that boasts 10 foot ceilings, 8 foot interior doors and a 3 car garage. Designer finishes throughout make this home as beautiful as it is functional. The gourmet kitchen features an oversized island, upgraded countertops and cabinets and GE stainless steel appliances. You will love the finishes throughout the home including designer selected tile flooring, upgraded carpet and pad in all bedrooms and gorgeous backsplash in the kitchen and Owner's Bath. Find time for yourself in your huge Owner's Retreat with a large bathroom featuring a Super Shower with tile surrounds and oversized walk in closet. Your 16' multi-slide glass door opens to a large covered patio and oversized backyard. 2x6 construction and extensive new home warranty.

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3802 W Mission Lane Phoenix, AZ 85051

$668,000

7 Beds

4 Baths

2,618 SqFt

Status Active

MLS # 6763951

Property Type Single Family Residence

Price Type --

Calling all Investors, This turn-key house provides immediate cash flow, with individual rooms already rented out. (pad split). The property includes six fully furnished bedrooms designed for maximum rental income, as well as a separate one-bedroom, one-bath guest house. This arrangement provides flexible living options and helps to offset mortgage costs while generating a reliable income stream. With its appealing features and prime location, this property serves as both a smart investment and a cozy home.

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7209 W Larkspur Drive Peoria, AZ 85381

$668,000

5 Beds

3 Baths

3,267 SqFt

Status Active

MLS # 6759869

Property Type Single Family Residence

Price Type --

Welcome to this spacious 5-bedroom, 3-bathroom basement home situated in a well-established neighborhood within the highly sought-after Peoria School District. Inside, you'll find a thoughtfully designed floor plan that offers spacious living areas and modern amenities. The main floor features the primary suite along with a guest bedroom and bath, both of which have been recently updated. The finished basement includes a large family room, three additional bedrooms, and another guest bath, ideal for those seeking extra space and flexibility, multi-generational living, or entertaining guests. Step outside to an entertainer's dream backyard. The sparkling pool is perfect for relaxation and enjoyment, while the outdoor kitchen sets the stage for al fresco dining and summer barbecues. The custom playground and inground trampoline are great features for outdoor enjoyment and recreation. The oversized cul-de-sac lot showcases artificial turf in both the front and back yards, enhancing practicality and curb appeal. Additionally, a spacious storage shed in the side yard offers convenient space for tools, toys, or seasonal items. This property is nestled in a desirable community with access to excellent schools and nearby amenities, making it the perfect combination of comfort, functionality, and entertainment. Don't miss the chance to make this your forever home!

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7450 W Quail Track Drive Peoria, AZ 85383

Open House

$667,910

4 Beds

3 Baths

2,084 SqFt

Status Active

MLS # 6755370

Property Type Single Family Residence

Price Type --

Corner lot, North/South, October completion! Experience the charm of Aloravita, nestled within the scenic mountains of Peoria. This community boasts breathtaking views and is conveniently located minutes away from shopping, dining, hiking trails and more! Our popular 'Tamarron' floorplan features 4 full bedrooms with a study, 3 bathrooms, 2 Car-Garage and a private yard with views! Designer selected finish includes White Cabinetry, Quartz Kitchen Countertops, Wood Like Tile Throughout, and Plush Carpet in all the bedrooms. This beautiful home will have it all including 9' ceilings, Gourmet Gas Kitchen, Smudge Proof Stainless Steel Appliances, Blinds, Pre-Plumb for Soft Water, and Smart Home Technology. Photos of model home, options may vary-home is under construction*

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3757 S Honeysuckle -- Mesa, AZ 85212

$667,623

4 Beds

3 Baths

2,474 SqFt

Status Active

MLS # 6754741

Property Type Single Family Residence

Price Type --

MLS#6754741 Ready Now!! Introducing the Cambridge at Hawes Landmark, a stunning single-story floor plan offering thoughtfully designed living space. This home features 4 bedrooms, 3 bathrooms, an exercise room making it the perfect blend of style and functionality. Step through the welcoming porch into a spacious foyer that leads you past the secondary bedrooms, two full baths, a study, and a convenient laundry room. The open-concept kitchen boasts a gas cooktop, double ovens, 42'' upper cabinets, elegant maple cabinetry with white quartz countertops, and a custom backsplash. Flowing seamlessly into the great room and dining area, this layout is ideal for both relaxing and entertaining. The private primary suite features dual vanity, and a split tub and a shower. Structural options include: gourmet kitchen, paver front porch, exercise room in lieu of tandem, soft water loop, and gas line for future outdoor use.

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7445 W Quail Track Drive Peoria, AZ 85383

Open House

$667,250

3 Beds

2.5 Baths

2,051 SqFt

Status Active

MLS # 6734111

Property Type Single Family Residence

Price Type --

Corner lot, no back neighbor-ready to call home in October 2024. Experience the charm of Aloravita, nestled within the scenic mountains of Peoria. This community boasts breathtaking views and is conveniently located minutes away from shopping, dining, hiking trails and more! Our popular 'El Dorado' floorplan features 3 full bedrooms, 2.5 bathrooms, 2 Car-Garage and a private yard with views! Designer selected finish includes Burlap Cabinetry, Quartz Kitchen Countertops, Wood Like Tile Throughout, and Plush Carpet in all the bedrooms. This beautiful home will have it all including 9' ceilings, Gourmet Gas Kitchen, Smudge Proof Stainless Steel Appliances, Blinds, Pre-Plumb for Soft Water, and Smart Home Technology. Photos of similar spec home, options may vary-home is under construction**

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5750 S Dragoon Drive Chandler, AZ 85249

$667,000

4 Beds

2.5 Baths

2,685 SqFt

Status Active

MLS # 6743637

Property Type Single Family Residence

Price Type --

Amazing community in highly rated Chandler School Districts.. Experience unparalleled luxury in the exclusive gated community of Mesquite Grove Estates, Chandler. This stunning Dragoon Dr home combines modern elegance with comfort, featuring spacious interiors, a beautifully landscaped yard, and a refreshing pool perfect for Arizona summers. With top-rated schools and amenities nearby, this home offers the ideal blend of tranquility and convenience. Don't miss your chance to own a piece of paradise in one of Arizona's most sought-after neighborhoods. Come take a tour today and discover what makes Mesquite Grove Estates so special.

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