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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15134 W Corrine Drive Surprise, AZ 85379

$665,000

5 Beds

3.5 Baths

3,505 SqFt

Status Active

MLS # 6766081

Property Type Single Family Residence

Price Type --

Gorgeous Marley Park home with 5 bedrooms, 3.5 bath, den, loft, casita with private entrance, and 3 car garage has been meticulously maintained. Chefs kitchen with oversized island, granite countertops, backsplash, gas stove, butlers pantry and custom farm sink. Upstairs features large primary suite with double sinks, separate tub and shower, 2 walk in closest. 3 guest bedrooms have private bathrooms. This home also features wood-look tile, plantation shutters, built in bookcase, custom iron door, garage cabinets w/ epoxy floors. PLUS OWNED SOLAR. Its resort-style backyard boasts great outdoor living, gracious pool with swim up bar, waterfall feature, built-in BBQ, travertine floors and pergola. This home is located minutes away from the new Prasada shopping and restaurant district.

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10538 W Quail Avenue Peoria, AZ 85382

$665,000

4 Beds

3 Baths

2,021 SqFt

Status Active

MLS # 6767382

Property Type Single Family Residence

Price Type --

Step into this HIGHLY UPGRADED ever popular layout in the blossoming Camino A Lago neighborhood! From the moment you enter, you'll feel right at home with the light and inviting open-concept floor plan, featuring spacious living and dining areas perfect for both relaxing and entertaining. The beautifully designed kitchen features soft-close shaker cabinets, gourmet stainless appliances with gas cooktop & double wall oven/micro, walk in pantry with custom floor-to-ceiling shelving, & expansive island with gleaming quartz countertops, designer backsplash & pendant lights. The generous primary bedroom offers a peaceful retreat with dual sinks, large spa-worthy shower, & dreamy custom designed walk-in closet system. The secondary bedrooms are pristine & include nicely sized closets & ceiling fans w/lights. Additional features include wood-like tile throughout, plantation shutters and remote-controlled blinds, recessed lighting, added laundry cabinets, 3-way thermostat, & Smart Home technology. Enjoy the peaceful, low maintenance backyard with extended pavers and artificial grass. Nice 3-car garage with epoxy flooring, NEMA 14-50/40 amp 240V EV outlet, tankless gas water heater, water softener and room for storage. Excellent Peoria location with many shopping options & top-rated A+ schools, plus community walking/ biking trails, greenspace, and playground. Don't miss out on this gorgeous home!

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1488 W Sundance Lane Globe, AZ 85501

$665,000

2 Beds

2 Baths

1,684 SqFt

Status Active

MLS # 6770955

Property Type Single Family Residence

Price Type --

This charming 2 bed 2 bath home features a spacious 616 square ft detached garage and an additional heated and cooled building. Step outside onto the inviting patio, accessible from both bedrooms and the living room, and take in the breathtaking panoramic views from the fairgrounds to the pinals. The property also offers a shed on the upper lot and ample space for horse corrals or additional parking, providing endless possibilities for outdoor enthusiasts. Don't miss your chance to experience the regal allure of this hilltop retreat.

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4703 E Preserve Way Cave Creek, AZ 85331

$665,000

5 Beds

3 Baths

2,230 SqFt

Status Active

MLS # 6772228

Property Type Single Family Residence

Price Type --

**PAID OFF SOLAR SYSTEM**Discover this stunning home nestled on a cul-de-sac lot in a exclusive gated community. Spanning 2,230 sqft, the open layout welcomes you with a stylish kitchen featuring elegant wood cabinets and stainless steel appliances, perfect for culinary adventures. Natural light pours through shuttered windows, illuminating the spacious living area—ideal for cozy evenings or lively gatherings. Step outside to your personal oasis, complete with a sparkling pool and relaxing jacuzzi, perfect for entertaining or unwinding in privacy. Retreat to the luxurious owner's suite, boasting a spa-like ensuite with double sinks, a separate shower, a soaking tub, and an expansive walk-in closet. With four additional well-appointed bedrooms and two more bathrooms, this home blends elegance and functionality, offering a serene lifestyle in a secure community.

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7709 E Rancho Vista Drive Scottsdale, AZ 85251

$665,000

3 Beds

3 Baths

1,890 SqFt

Status Active

MLS # 6776496

Property Type Townhouse

Price Type --

In the heart of beautiful Scottsdale, this 55+ community, is lovely and well-kept. 3 BDRM 3 BA UNIT ON INTERIOR LOT-MSTR + BDRM downstairs. Welcome to Villa Monterey perfection. This exclusive unit boasts a completely modern, open layout with 3 full bedrooms and 3 full bathrooms with plantation blinds throughout. The downstairs master allows for privacy from guests. Recent upgrades include a new foam roof 2022, tile roof 2020, new HVAC 2023, high efficiency dual-pane windows and slider in 2022, Fully remodeled kitchen with all new stainless steel appliances 2023 and new R/O 2022. The backyard has a large, covered patio and plenty of space for entertaining. The beautiful community Ramada and pool features many activities scheduled throughout the year. Located on the most pristine street in the community, the yard features views of Camelback Mountain and Arizona sunsets. Minutes away from Fashion Square, Old Town, art galleries, restaurants and more. This is your opportunity to own such a coveted home, authentic Sonoran luxury.

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2602 E Pierson Street Phoenix, AZ 85016

New

$665,000

5 Beds

3 Baths

3,143 SqFt

Status Active

MLS # 6779575

Property Type Single Family Residence

Price Type --

Builders! Building plans have been submitted and approved by the City of Phoenix. This project is ready to begin immediately. Plans are for a 3,143 sq ft house, 595 sq ft 2 stall garage and a 608 sq ft rooftop balcony overlooking the mountain views. Hidden room, sauna and huge game room with a bar included in the plans. Use the plans that are already approved and paid for or create your own dream home in this great neighborhood. Property being Sold As IS and is. All Utilities have been turned off and are not connected to the property as it is being prepared for Demo work.

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3009 E Cholla Street Phoenix, AZ 85028

$665,000

3 Beds

2 Baths

1,721 SqFt

Status Active Under Contract

MLS # 6763451

Property Type Single Family Residence

Price Type --

Don't miss this incredible opportunity to own a beautifully remodeled 3-bed, 2-bath home in one of the most desirable locations in the Valley! The open-concept layout, filled with natural light, is perfect for hosting gatherings. The stunning kitchen features quartz countertops, soft-close cabinets and drawers, stainless steel appliances, and a modern, clean design. Recent updates include windows, doors, lighting, and fixtures throughout the home. The front yard boasts beautiful olive trees and lush grass, while the backyard is your own private oasis with palm trees, lush grass, a replastered pool with updated equipment, an RV gate with alley access, and a storage shed with extra room for all your toys. Best of all, NO HOA! Additional updates include interior and exterior paint, garage door, and attention to detail in every corner of the home. Conveniently located near SR-51 and Shea, close to Paradise Valley shopping and dining.

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3012 E Beryl Avenue Phoenix, AZ 85028

$665,000

3 Beds

2 Baths

1,600 SqFt

Status Active

MLS # 6689947

Property Type Single Family Residence

Price Type --

***PRICED $55K BELOW APPRAISED VALUE*** Your very own renovated, redesigned and reimagined home in the highly sought after Sheaborhood area of North Phoenix with No HOA on nearly a quarter acre! This home features an open concept, a fully renovated kitchen that rivals those in million dollar homes and a primary suite that will have you feeling like the spa is in your very own home. It features a BRAND NEW ROOF all the way down to the sheathing, NEW WIRING, NEW PLUMBING, NEW HOT WATER HEATER and NEW WINDOWS, so you can have peace of mind that all your major items are already taken care of. Both bathrooms and the primary suite have been generously extended, while the living area was beautifully opened, making this home perfect for those craving a modern living experience in an established neighborhood. This property is nestled on nearly a quarter acre lot on a quiet street in close knit, deeply adored community. Upon driving up to the home, you'll be welcomed by a freshly painted exterior with an impressive walkway leading you to your luxurious and oversized front door. When entering the home, you will find a bright, spacious great room complete with a large island and brand new slider. On the west wing of the home, you will find three generously sized bedrooms, a huge guest bathroom with an extended vanity and dual sinks, a spacious primary suite and a custom primary shower that rivals those in million dollar new builds. This home has an extended laundry room, which is a rare find in this neighborhood and is sure to appease every modern buyer. The backyard has MOUNTAIN VIEWS, tasteful landscaping, upgraded, modern gravel and luxurious turf.

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7458 E Odessa Circle Mesa, AZ 85207

$665,000

4 Beds

2.5 Baths

2,150 SqFt

Status Active

MLS # 6695836

Property Type Single Family Residence

Price Type --

An exclusive retreat behind the notable gates of Las Sendas. Tee off at a golf course widely ranked among the top 10 in the area. This residence boasts a newer roof, HVAC, and solar panels for eco-friendly living. The lush front yard landscaping welcomes you to high ceilings and premium wood flooring throughout. Enjoy an open concept layout with abundant windows, formal dining room, granite counters, and premium appliances. The oasis backyard features an outdoor kitchen, saltwater pool, spa, covered patio, and second-story view deck. Enjoy the convenience of highly regarded neighborhood schools and reach either airport in 20 minutes. Amenities include pools, pickleball and tennis courts, playgrounds, splash pads, trails, spa and fitness center. This home combines comfort and community.

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4826 W Tortoise Drive Eloy, AZ 85131

$665,000

3 Beds

3.5 Baths

2,806 SqFt

Status Active

MLS # 6707649

Property Type Single Family Residence

Price Type --

BUILT IN 2021! Only 3 years old. You will LOVE this beautiful VIENTA model! This home is 2,805 SF. featuring 3 full bedrooms w/connecting baths, a DEN, 3.5 baths & 3 car garage w/service door! This home is ideal for live in Mother-in-Law or someone just wanting a spacious home! The kitchen features Quartz counters, upgraded cabinets, SS appliances, convection range, RO system, roll-out shelves & pendant lights. This home has lots of builder upgrades such as dry bar in great room, 18'' x 18'' tile flooring, tile showers, comfort height toilets, water filtration system, rain gutters, multi zone HVAC. Step out back to the professionally landscaped backyard w/nature grass, fully fenced yard w/extended covered patio, extended paver patio & paver walkway around house. This home is a MUST SEE

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7161 E Rancho Vista Drive Unit 2003 Scottsdale, AZ 85251

$665,000

2 Beds

2 Baths

1,307 SqFt

Status Active

MLS # 6709302

Property Type Apartment

Price Type --

Located in the sought-after Camelview community this condo placed in an excellent location within the complex. Overlooking the pool and spa the patio offers shade with just the right amount of sun light. Walking distance to world-class dining like Toca Madera, Ocean 44 and the new Caesars resort plus all the high-end shopping. This unit features clean lines an open floor plan with stainless-steel kitchen appliances, granite countertops and floor-to-ceiling windows in every room. The outdoor patio is accessible through the primary suite, providing a tranquil and quiet serenity. Italian marble countertops in both bathrooms with the primary bath showcasing a glass-enclosed shower with granite tiling. Unit comes with a 220 outlet for an EV Charger at the parking spot.

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1818 E Harvard Drive Tempe, AZ 85283

$665,000

4 Beds

3 Baths

2,376 SqFt

Status Active

MLS # 6714479

Property Type Single Family Residence

Price Type --

Come check out this incredible home in the heart of Tempe! If you're looking for a dual master bedroom set up for students or extended family this house is perfect! Both primary bedrooms also have dual sinks & walk-in closets! This beautifully remodeled home features all new Luxury Plank Flooring T/O, New Modern Cabinets T/O, quartz counters in the kitchen along with Stainless Steele Appliances. Your buyers will love the modern fans, mirrors & lighting T/O. Step outside and enjoy the private yard with just one neighbor to the East, Pebble-Tec Diving Pool & huge covered patio. This house would make a great Short Term Rental Docs Tab for rental projections. All of this and so much more just a short drive to ASU and all the Shopping, Dining, Entertainment Tempe has to offer! Come & Get it!

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