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

42205 N Golden Trail San Tan Valley, AZ 85140

Open House

$664,990

4 Beds

3 Baths

2,513 SqFt

Status Active

MLS # 6709618

Property Type Single Family Residence

Price Type --

Nearly complete and ready for a QUICK Move-in!!! - Welcome to Edgewood Estates located in the convenient Queen Creek Corridor. This Belfast plan home includes our Extra Suite Plus with private entrance, ideal for multigenerational living or guests. The focus of the home is the large great room with a 12' sliding glass door and stunning kitchen with Loft inspired interior selections including grey cabinets accented with open shelving and upgraded Bosch stainless-steel appliances. A split floorplan makes the Primary Suite is a private oasis accented with a spa-like bath. Solar prewire and an EV charger outlet in the garage included making it a Department of Energy ''Zero Energy Ready Home' certified. Up to 6% of Base Price can be applied towards closing cost and/or short-long term interest rate buydowns when choosing our preferred Lender. Additional eligibility and limited time restrictions apply.

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16190 W Granada Road Goodyear, AZ 85395

$664,900

4 Beds

3.5 Baths

2,861 SqFt

Status Active

MLS # 6705327

Property Type Single Family Residence

Price Type --

This is NOT the standard cookie cutter community! This is location in the Gorgeous Palm Valley Community of Goodyear. Unique Modern Cottage Elevation with Stone & stunning architect ** Courtyard Entrance with massive paver sitting area ** Enter into the home foyer to soft neutral paint color ** Sitting area off the main entrance can be used as flex/entertainers area ** Functional Triple Split Floor plan ** Bedroom 1 off the entry has walk in closet ** Large Master Bedroom with access to backyard, Seperate Dual Sink/Vanity, Walk in Shower, Garden Tub, Dual Entry Closet ** Bedroom 3 with Ensuite can be used as a second Master/MIL Suite ** Bedroom 4 sizable with standard closet ** Kitchen area is HUGE nestled with eat in dining area & large great room ** Beautiful Warm Wood Cabinets, Massive Rich Granite Island, Travertine Backsplash, Whirlpool Appliances, Gas Stove with Butlers Area & Walk in Pantry ** Shutters & Ceiling Fans Throughout ** Great Room with 7 point surround sound & Modern Gas Fireplace with heat ** Six Panel Doors & Brushed Nickel Hardware ** Large laundry room located conveniently in the center of the home room to add additional fridge of more storage ** Home has LOTS of storage options ** French Doors to Backyard extended patio, citrus trees, gutters, gas fire pit and seating area, extended paver patio with outdoor kitchen, barbecue grill, fountain water feature, outdoor lighting, custom grass landscape design, private RV gate **

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8180 E Shea Boulevard Unit 1038 Scottsdale, AZ 85260

$664,900

2 Beds

2.5 Baths

1,733 SqFt

Status Active

MLS # 6718983

Property Type Townhouse

Price Type --

This beautifully updated 2-bedroom, 2.5-bathroom condo in the heart of Scottsdale is available fully furnished. The open-concept living and dining area, enhanced by natural light and a cozy fireplace, creates a warm and inviting atmosphere. The updated kitchen boasts granite countertops, new stainless steel appliances, and ample cabinet space, perfect for cooking at home. The luxurious master suite features a walk-in closet and an en-suite bathroom with a dual-sink vanity, and a nicely updated walk-in shower. The community offers a pool with a covered area. Located just minutes from Loop 101, this home provides easy access to top shopping, dining, and entertainment, as well as top-rated schools and parks. W With 1,733 sq. ft. of living space, a direct-entry 2-car garage, and bedrooms both upstairs and downstairs, this unit is perfect as a second home or for someone seeking low-maintenance living.

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1295 E Elysian Pass San Tan Valley, AZ 85140

Open House

New

$664,900

2 Beds

2 Baths

1,949 SqFt

Status Active

MLS # 6780498

Property Type Single Family Residence

Price Type --

Step into luxury with this stunning ''Nice'' plan home, designed to impress. The gourmet kitchen boasts top-of-the-line appliances, custom light fixtures, and a beautiful backsplash. Enjoy the rolling wall of windows that open to an expansive backyard oasis with a spacious patio, cozy fireplace, lush turf grass, extended travertine pavers, mature trees, and a fenced yard—perfect for entertaining or relaxing. The den, with its custom-built bookcase, is ideal for a home office. The large laundry room offers ample cabinet space and an additional desk area. Located at Encanterra Golf & Country Club Resort, this well-maintained home offers world class amenities at your doorstep. Enjoy dining at La Casa, stay fit at the state-of-the-art fitness center, or unwind in the indoor pool and spa.

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10470 W Harmony Lane Peoria, AZ 85382

Open House

$664,531

4 Beds

3 Baths

2,025 SqFt

Status Active

MLS # 6774070

Property Type Single Family Residence

Price Type --

Last new build left in our most desirable community, Camino A Lago. Corner lot, North-South Exposure, across common area grounds is ready for you to call home with a March 2025 completion date. Our popular ''Bluebird'' plan features 4 bedrooms plus an office, 3 full bathrooms, and a 3-car garage. Designer selected finishes include White Cabinetry, Quartz Kitchen Countertops, Wood Like Flooring Throughout-NO CARPET, and two-tone paint. Key features of this home include a Gourmet Kitchen Appliance Package, Blinds, and 8' Doors. Don't miss out on this final opportunity! Photos of model home to show layout, options will vary-home is under construction**

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8594 E Kelly Road Prescott Valley, AZ 86315

$664,400

4 Beds

3 Baths

2,575 SqFt

Status Active

MLS # 6721065

Property Type Single Family Residence

Price Type --

Motivated seller! Enjoy spectacular sunsets and views from this 4 bed/3 bath home. 5th bedroom accessed through another bedroom. This lovingly built owner constructed home is on a level 10 acre parcel conveniently located close to highway 89A. Super desirable area just off Coyote Springs Rd. The original owner lovingly built this unique house with many special features: a fireplace that heats the entire house, and a basement bunker. 1200 sq ft metal workshop building with a security system which can house 6-8 vehicles and has living quarters with kitchen and bath. Plenty of room for RVs and toys, horse facilities or countless other possibilities! New vinyl plank flooring, new HVAC and newly remodeled kitchen. Only 22 minutes to the heart of Prescott, and a quick ride to Jerome/Phoenix.

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537 N Jay Street Chandler, AZ 85225

$664,000

4 Beds

2 Baths

2,436 SqFt

Status Active

MLS # 6750757

Property Type Single Family Residence

Price Type --

Step into timeless Vintage elegance - fabulous 4bedroom-3 min Downtown Chandler-block build & original-yet trending Plaster Design Finish/Textured walls blend harmoniously w/ the authentic charm of 70's -ERA cupboards, stunning saltillo tiles that grace each room. 3wall ovens/Open kitchen floor plan, designed for both culinary delights/comfortable seating for over twelve guests, making every meal a memorable event. Experience the warmth of the family room's cozy fireplace & view of the patio. Then another fireplace providing unique ambiance in the fourth bedroom, which doubles as a study. Outside, the deep diving pool offers endless family fun & relaxation, making this home a truly once-in-a-lifetime opportunity to own a piece of history w/the luxury of todays' modern feel

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19475 N Grayhawk Drive Unit 2169 Scottsdale, AZ 85255

$664,000

3 Beds

2 Baths

1,714 SqFt

Status Active

MLS # 6686409

Property Type Townhouse

Price Type --

Welcome home! This fabulous 3-bedroom townhome is located in the luxurious gated-community of Tesoro at Grayhawk. The split, second-story floor plan is upgraded with custom finishes throughout including partially brand-new carpet, a chef's kitchen with stainless steel appliances, absolutely gorgeous white herringbone ceramic tile floors, granite countertops throughout, silhouette blinds, plantation shutters, gas fireplace, and a wine bar with wine cooler. All appliances, including washer, dryer, and water softener included! Peaceful balcony in the rear of the home and convenient keyless garage entry. Come see - you'll love it!!

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17235 W Manzanita Drive Waddell, AZ 85355

$663,820

4 Beds

3 Baths

2,541 SqFt

Status Active

MLS # 6650606

Property Type Single Family Residence

Price Type --

*** ASK ABOUT INCENTIVES *** HOME IS COMPLETE. RV Garage, plus 2-car garage, Large Lot, 4 Bedrooms, 3 Baths with Large Covered Patio, 42'' Skylar Basalt Cabinets, Fresh Linens Quartz Countertops, Chesapeake Grey 6x36 tile with Bit of Gray carpet, Built-in LG Gourmet SS Appliances, Micro/Wall Oven, Gas cooktop, Laundry Cabinets with Sink, Barn Door at Master Bedroom, Interior Paint Foggy Day, Gas Stub at Patio, Soft Close Doors & Drawers, Security System, RV Dump, Both RV and 2 Car Garages fully insulated, Large Drive way.

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2717 N 216th Avenue Buckeye, AZ 85396

$663,219

4 Beds

3.5 Baths

2,639 SqFt

Status Active

MLS # 6743381

Property Type Single Family Residence

Price Type --

Ready in November!! Brand New Never Lived In! Discover your mountain-view sanctuary in Arizona! This 4-bed, 3.5-bath home with a 2.5-car garage offers a quick move-in. Nestled in The White Tank Mountains, enjoy privacy and stunning views. Energy-efficient home. Welcome to The Juniper Floor Plan, a magnificent single-story haven meticulously designed to offer space, comfort, and versatility. Boasting an expansive 2,639 square feet, this home features 4 bedrooms, 3.5 bathrooms, and a 2-car garage, along with two additional flex rooms.

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25149 N 171st Avenue Surprise, AZ 85387

$663,161

4 Beds

3 Baths

2,660 SqFt

Status Active

MLS # 6776904

Property Type Single Family Residence

Price Type --

MLS#6776904 March Completion! Experience true multigenerational living with the Zion plan at Asante! Step through the welcoming porch into the foyer. To one side, discover a private multi gen suite featuring a bedroom, a dedicated living area, bathroom, a one-car garage, and a separate entry from the outside as well as into the main home. In the main home, you'll find a formal dining area, a powder room, a laundry room, and entry to your two-car garage. At the heart of the home, a spacious great room seamlessly connects to a kitchen with an island, casual dining space, and covered outdoor living area. Tucked away in the back, the primary suite offers a spa-inspired bathroom and a large walk-in closet—your perfect retreat. Structural options include: paver front porch, garage service door, interior door at hall , interior door at multi-gen living, tile super shower at primary, gourmet kitchen, and pre-plumb for laundry sink.

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19781 S 231st Way Queen Creek, AZ 85142

$663,003

3 Beds

3 Baths

2,290 SqFt

Status Active

MLS # 6583849

Property Type Single Family Residence

Price Type --

READY FOR MOVE IN!! 5 BEDROOM, 3 BATH 10 'CEILINGS, GOURMET KITCHEN LAYOUT, UPGRADED CABINETS, QUARTZ KITCHEN TOPS, TILE FLOORING, ALL THIS, IN THE NEW PREMIER MASTER PLAN COMMUNITY, IN QUEEN CREEK, FEATURING A 22 ACRE LAKE. THIS IS THE CENTERPIECE OF THE COMMUNITY. KAYAKING AND CANOEING, AQUATIC CENTER WITH LAP AND SPORT POOL SPLASH PAD, BOCCE BALL, PICKLE BALL, BOARDWALKS AND RAMADAS THROUGHOUT AND MUCH MORE.. THE HOME INCULDES 2'' FAUX WOOD BLINDS, CEILING FANS, TANKLESS WATER HEATER+++ KATHERINE MECHAM BARNEY SCHOOL IN THE COMMUNITY.

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