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

15835 W Desert Mirage Drive Surprise, AZ 85379

$665,000

4 Beds

2.5 Baths

3,905 SqFt

Status Active

MLS # 6754114

Property Type Single Family Residence

Price Type --

Welcome to this stunning 4 bedroom, 3 bathroom home, with 3 spacious loft areas and an array of luxurious features. Step inside to find gorgeous tile flooring throughout the entire first floor, soaring ceilings, elegant light fixtures and ceiling fans, and a cozy fireplace perfect for relaxation. The primary bedroom is conveniently located downstairs includes an updated en-suite bathroom and huge closet. The kitchen is spacious and features stainless steel appliances, cooktop, micro/oven, ample cabinet and countertop space and a large center island, perfect for entertaining. Upstairs enjoy new carpeting throughout entire 2nd floor, and enjoy the 3 spacious loft areas, the balcony offers a picturesque view of the backyard, grass and pool area. Hidden Room, see if you can find it?

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12666 E Crystal Forest -- Gold Canyon, AZ 85118

$665,000

4 Beds

3.5 Baths

2,464 SqFt

Status Active

MLS # 6762842

Property Type Single Family Residence

Price Type --

Discover this stunning single-level, four-bedroom, three-bathroom home featuring N/S exposure and INCREDIBLE SUPERSTITION MOUNTAIN VIEWS. The light and bright split floor-plan offers spacious living with a large open room, and a versatile flex space. The kitchen is a chef's dream, boasting abundant counter space, cabinets, and a vast island for storage. Enjoy the outdoors with a full wall of windows showcasing the perfect view, leading to a beautiful sparkling pool, elevated spa, and open grassy area behind. The home also features BRAND-NEW CARPET and common areas both in front and behind. Built in 2019, this home is move-in ready!

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3221 W Galvin Street Phoenix, AZ 85086

$665,000

4 Beds

2.5 Baths

2,958 SqFt

Status Active

MLS # 6762416

Property Type Single Family Residence

Price Type --

HUGE PRICE CUT,HUGE PRICE CUT.REMODELED HOUSE.check this beautiful home located in Tramonto subdivision. Sitting on a desirable corner lot that overlook a huge park, this house features 4 bedrooms and 2.5 bathrooms. The first floor offers an open floor plan with an office/den, spacious living room, and a large kitchen with an oversized island, granite countertops, new flooring all over the house, and remodeled bathrooms with large pantry.Outside the extended covered patio overlooks a sparkling pool with water feature, surrounded by four mature citrus trees. Home has a PAID OFF SOLAR SYSTEM accompanied by a backup battery optimized to keep your utilities low during the hot summer months.Close proximity to schools, parks, shopping, and dining.photo to be uploaded soon.very motivated seller

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23425 S 228th Place Queen Creek, AZ 85142

$665,000

4 Beds

2.5 Baths

2,383 SqFt

Status Active

MLS # 6766123

Property Type Single Family Residence

Price Type --

Absolutely stunning split and open floor plan! Come check out the endless upgrades today!! Only a 2 year old home with a GAS HEATED POOL AND SPA, putting green, gas hook up for you to add a built in BBQ, security system, 1 lemon tree, 1 orange tree and more! You are 2 blocks away from best community amenities, such as a community pool, a splash pad, as well as beautifully landscaped parks and walking trails! After a long day you can retreat to the most beautiful primary bedroom and bathroom! Gorgeous soaking tub and oversized shower.

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6432 E Aire Libre Lane Scottsdale, AZ 85254

$665,000

3 Beds

2 Baths

1,634 SqFt

Status Active

MLS # 6767088

Property Type Single Family Residence

Price Type --

Fantastic 3-bed, 2-bath home with NEW UPGRADES! A 2-car garage, desert landscape, RV gate, & a cozy front patio are just the beginning. The highly updated interior features new blinds, new light fixtures, new smoke detectors, new ceramic tile in common areas, and new plush carpet in bedrooms. You'll love the separate living & family rooms! The impressive kitchen boasts new quartz counters, new garbage disposal, new recessed lighting, and updated cabinetry. Main bedroom has an ensuite with a tiled shower, a walk-in closet, & outdoor access. PLUS! The bathrooms have been updated as well with new quartz countertops, cabinets, faucets, toilets, & lighting. Outback, you have a covered patio, lush lawn, & a storage shed. Freshly painted inside & out, along with the block fencing! Move-in ready

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8373 W Andrea Drive Peoria, AZ 85383

$665,000

4 Beds

3 Baths

2,682 SqFt

Status Active

MLS # 6767297

Property Type Single Family Residence

Price Type --

Explore this stunning 2-story gem in Peoria, complete with a spacious 3-car garage. You'll be captivated by its warm wood-look flooring, soaring ceilings, and the generously sized living room, perfect for relaxing. A formal dining area is ideal for memorable gatherings, while the chic kitchen boasts stainless steel appliances, granite counters, a pantry, white cabinetry, and a breakfast bar. The primary suite offers a tranquil retreat with a bay window, dual sinks, a soothing tub, and a walk-in closet. A huge bonus room provides flexibility as a media center or additional bedroom. Step outside to the lush backyard oasis featuring a covered patio, paver sitting area, built-in BBQ, gorgeous mountain views, and a sparkling pool. You'll want to see this beauty in person! Don't miss out!

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1934 E Secretariat Drive Tempe, AZ 85284

$665,000

3 Beds

2 Baths

2,120 SqFt

Status Active Under Contract

MLS # 6733514

Property Type Single Family Residence

Price Type --

Welcome to your dream home in Tempe! This updated, single-level 3-bedroom, 2-bathroom home is an entertainer's paradise, featuring a pebble-tec pool and an expansive covered patio. Discover modern elegance with shaker-style cabinets and granite countertops in the kitchen, along with a tiled backsplash, stainless steel appliances, and a wine refrigerator. The master suite offers a dual fixture shower with a rain head, while the hall bath features a tub/shower combo. Enjoy the private backyard with a sunken brick patio, fireplace, and synthetic grass. This home includes dual-pane low-E windows, a new roof installed in July 2021, and a brand-new AC installed in 2023. Located in the Kyrene School District, this home offers an unbeatable South Tempe location.

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1917 E Tierra Buena Lane Phoenix, AZ 85022

$665,000

3 Beds

2 Baths

2,235 SqFt

Status Active Under Contract

MLS # 6748788

Property Type Single Family Residence

Price Type --

Gorgeous home ON LOOKOUT MOUNTAIN! This home features southwestern high-end Saltillo Tiles with Coyote Paw Tiles by the front entry. Upon entry the vaulted ceilings add an open bright feel to the formal dining room huge living room. The granite countertop has a custom grill built into it for the perfect chef. A glamorous mirrored backsplash gives the kitchen an extra shimmer!. This 3 bedroom home has a great floorplan with a master bedroom split away from the other two rooms. The back covered patio is screened and opens to the sparkling pool. Views from the backyard are INCREDIBLE! Take a shower by the large Saguaro Cactus by the pool before you take a dip! Outdoor fireplace with pergola. No HOA! Master bath upgraded with a oversized soaking tub & separate shower.

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4214 N 36th Street Phoenix, AZ 85018

$665,000

4 Beds

2 Baths

1,608 SqFt

Status Active

MLS # 6707209

Property Type Single Family Residence

Price Type --

Motivated Seller! Discover the ultimate lifestyle upgrade in Arcadia Lite's most sought-after neighborhood. This meticulously crafted, fully furnished home is more than just a place to live—it's an experience. From the moment you arrive, you'll notice the ample parking space and lush curb appeal. Inside, featuring a stunning, upgraded kitchen with high-end appliances, stylish lighting, and a coffee bar for your daily luxury. Step outside to your private backyard oasis, perfect for gatherings or serene evenings. Picture yourself hosting unforgettable nights with mini-golf, synthetic grass, and a firepit area set on beautifully paved grounds for BBQs and bonfires. Four generous bedrooms and two luxurious baths offer comfort for everyone, while a spacious laundry room.It has it all!!!

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7007 S Sipapu Court Gold Canyon, AZ 85118

$665,000

5 Beds

3 Baths

2,839 SqFt

Status Active

MLS # 6742466

Property Type Single Family Residence

Price Type --

Your patience has paid off! This is the one! This beautiful 2,839 sq/ft home is located in the coveted subdivision of Hermosa Hills in the prestigious Gold Canyon! Tucked away on a massive1/3 acre lot in a very quiet culdesac and backs to State Trust Land so no backyard neighbors! HOA only $54 A YEAR! Talk about pride of ownership...The current homeowners left no stone unturned! 2 brand new 55 gallon water heaters. Enjoy the 5 bedroom PLUS loft. Downstairs bedroom off the garage entrance. The primary bedroom has an outdoor patio that overlooks the mesmerizing and priceless views of the beautiful Superstition Mountains. Tranquility and Peace at its finest! Just minutes away from local shopping, entertainment, multiple award winning golf courses and so much more! This home is true gem!

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12345 W Encanto Boulevard Avondale, AZ 85392

$664,999

5 Beds

3 Baths

3,751 SqFt

Status Active

MLS # 6704628

Property Type Single Family Residence

Price Type --

Exquisite 2-story home with a $10,000 seller concession for buyer expenses! All on approx. ¼ of an acre. Stunning 5 spacious bedrooms, 3 luxurious bathrooms, providing ample space! As you enter, you'll be greeted by magnificent wrought iron security doors and double entry front doors, and soaring ceilings. Spacious bedroom downstairs with a full bath adjacent. Gourmet Kitchen with large island, SS refrigerator, granite countertops make it complete. Formal dining and living room with a fireplace provide an elegant and intimate setting. This home offers an amazing loft for additional living space, a built-in desk for a home office, a beautiful balcony overlooking the pool. Spacious backyard with a covered patio, a cabana, a fire pit, a separate storage.

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787 W Rock Needle Trail Apache Junction, AZ 85120

$664,990

4 Beds

3 Baths

2,607 SqFt

Status Active

MLS # 6750732

Property Type Single Family Residence

Price Type --

Up to 3% of base price or total purchase price, whichever is less, is available through preferred lender plus additional 2% of base price or total purchase price, whichever is less, is available to be used toward closing costs, pre-paids, rate buy downs, and/or price adjustments. The Livorno floor plan offers a stylish single-story design with four bedrooms, an All Gen suite, and a spacious flex area ideal for an office, TV room, or study. The home includes front yard landscaping and will be ready for occupancy in October. Conveniently located near community parks, grocery stores, and a variety of dining options.

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