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

8754 S Maple Avenue Tempe, AZ 85284

$675,000

3 Beds

2 Baths

2,340 SqFt

Status Active Under Contract

MLS # 6743448

Property Type Single Family Residence

Price Type --

Discover your dream home in the highly sought after Pecan Groves of South Tempe! This charming 3-bedroom, 2-bathroom property features an open living space, formal living room, large master suite, and a bonus home office that's perfect for remote work. The private backyard provides space for plenty of future improvements. This home also features a spacious 2-car garage with an expansive bonus attic storage. The roof was also fully replaced in 2019, providing peace of mind for years to come. Located in a highly desirable area, this home offers easy access to scenic parks, a variety of shopping, and dining options. With convenient freeway access, you're just minutes away from everything Tempe has to offer. Don't miss this fantastic opportunity!

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19303 E Apricot Lane Queen Creek, AZ 85142

$675,000

3 Beds

2.5 Baths

2,386 SqFt

Status Active Under Contract

MLS # 6747333

Property Type Single Family Residence

Price Type --

**LOCATION! LOCATION! LOCATION!** Located on the boarder of Gilbert & Queen Creek, nestled in a quiet cul-de-sac, You will find this beautiful 3 bedroom 2.5 bath w/ den luxurious home. With no neighbors behind, the home backs onto a lush greenbelt, providing uninterrupted views that create a serene and park-like atmosphere. Every detail of this exquisite residence has been meticulously crafted and upgraded by a professional designer, ensuring that each element complements the home's sophisticated style. Step inside to discover a space where modern design meets timeless elegance. The updated kitchen is the heart of the home, boasting new quartz countertops that extend to the butler's pantry, new painted cabinets, a sleek new sink, and a striking gold faucet that adds a touch of luxury. Brass hardware and a new backsplash that reaches to the ceiling complete the look, making this kitchen as functional as it is beautiful. Custom pullout drawers in the kitchen cabinets, master bathroom cabinets, and laundry room cabinets offer smart storage solutions, maximizing both space and convenience. This one story gem, with unparalleled views is a RARE find. The combination of professional design, high-end upgrades and location that offers both privacy and beauty makes this home a standout in any market! Don't miss the opportunity to make this extraordinary property your own - a place where luxury living meets natural serenity!

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2152 E Cathy Court Gilbert, AZ 85296

$675,000

4 Beds

3 Baths

2,291 SqFt

Status Active Under Contract

MLS # 6758842

Property Type Single Family Residence

Price Type --

Welcome to your dream home! This freshly painted 4-bedroom, 3-bath gem is perfect for anyone looking to enjoy comfort and style. Step inside to discover brand-new tile flooring throughout, giving the home a fresh, modern feel. The spacious eat-in kitchen boasts designer cabinet finishes, sleek granite countertops, and a large pantry—ideal for those who love to cook and entertain. The expansive master suite offers a private retreat, complete with a huge master bath featuring a luxurious walk-in shower. Additionally, there's a versatile den and office space, perfect for work or relaxation. Outside, unwind by the pool while soaking in the stunning Arizona sunsets or immerse yourself in the hot tub on those cool AZ winters nights. The low-maintenance artificial turf and a sizeable side yard provide plenty of outdoor space without the hassle. For some peace of mind, updated new pool pump system, new roof and new carpet. Come see this beautiful home, make it your home sweet home.

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9709 E Mountain View Road Unit 1701 Scottsdale, AZ 85258

$675,000

2 Beds

2 Baths

1,644 SqFt

Status Active Under Contract

MLS # 6769773

Property Type Single Family Residence

Price Type --

Corner location, fabulous private spacious courtyard in The Racquet Club at Scottsdale Ranch! Plenty of light in this open floorplan with with high ceilings and great windows, french doors and an inviting fireplace. The formal dining room has mirrored walls for a spacious feel, glass windows into courtyard. Perfect for hosting memorable dinner gatherings or reading in the shade of mature trees. The kitchen boast granite counters, ample cabinetry with crown moulding, a stone tile backsplash, chic pendant lighting, SS appliances, a handy pantry, and an island with a breakfast bar for casual dining. The main bedroom includes plantation shutters, direct backyard access, an ensuite with dual sinks, and a walk-in closet. Charming home close to restuarants, shopping & Honor Health hosp and Mayo

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10215 W Gambit Trail Peoria, AZ 85383

$675,000

4 Beds

3 Baths

2,192 SqFt

Status Active Under Contract

MLS # 6773300

Property Type Single Family Residence

Price Type --

Welcome to Northlands Passage in North Peoria, best value for the money in the area, where the skies are bigger and the sunset glow fills the sky with radiant pink, yellow, orange and purple hues. Step outside every morning and view the beautiful Calderwood Butte out your front door and back patio, plus with the trail head right down the street you'll get the full enjoyment of this very special home in a very special community. Step inside this Albany Model by Taylor Morrison, with 2192 sq.ft. of interior living space, 4 BEDS + 3 BATHS and a 3 CAR Garage.

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21362 S 213th Place Queen Creek, AZ 85142

$675,000

4 Beds

3.5 Baths

2,921 SqFt

Status Active

MLS # 6753111

Property Type Single Family Residence

Price Type --

YOUR QUEEN CREEK GETAWAY AWAITS! This is more than a home—it's your new happy place, perfectly situated in the heart of Queen Creek, just minutes from the QC Village Center and QC Marketplace. This home is all about style and convenience. Inside, the towering ceilings create an airy, welcoming vibe. It's a perfect place for entertainers, or anyone who loves a little extra space. The chef's kitchen is the stuff of culinary dreams, featuring chic white cabinets, granite countertops, a gas cooktop, and dual islands that make cooking and entertaining a breeze. And let's not forget the backyard—at over a quarter a quarter acre, it's big enough for a pool, a playground, a garden, and whatever else your heart desires. This home is ready for you. Are you ready for it?

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14042 N 44th Street Phoenix, AZ 85032

$675,000

4 Beds

2 Baths

1,937 SqFt

Status Active

MLS # 6744174

Property Type Single Family Residence

Price Type --

Discover this 4-bedroom gem just 2 minuets from PV Reimagined, Costco, Target, and more. Step inside to find tile flooring throughout and a soothing color palette that creates a tranquil ambiance. Spacious living room flows seamlessly into the great room, highlighted by a stone-accented fireplace, perfect for cozy evenings. Kitchen is a chef's delight, equipped with stainless steel appliances, white cabinets, granite counters, and a peninsula with a breakfast bar. Retreat to the main bedroom, offering direct backyard access and a private bathroom with dual sinks and unique glass block shower walls. The expansive backyard is an oasis with a covered patio, play area, and a fenced-in pool, ideal for entertaining and relaxation. Make this stunning home yours today List of 44th st home updates or improvements: 2019 - Dishwasher and Hot water heater replaced 3/10/21 - Installed new American standard HVAC July 2023 - Installed new luxury vinyl flooring in all bedrooms 3/29/24 - Full roof and vent replacement 6/2/24 - Exterior painted

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4287 E Clifton Avenue Gilbert, AZ 85295

$675,000

4 Beds

3.5 Baths

2,546 SqFt

Status Active

MLS # 6782012

Property Type Single Family Residence

Price Type --

WOW!!! This is a SHOWSTOPPER in the highly sought after zip code 85295! Nicely upgraded and designed, this family home is ready for its new owner! Clifton will check ALL the right boxes, 4 bedroom, 3.5 baths, bright and airy, upgraded tile flooring, linear electric fireplace, tasteful finishes/fixtures throughout! Entertaining will be a breeze with this OPEN floor plan .The large sliding glass door leads to the low maintenance backyard . The kitchen has everything you want and need including all Bertazzoni appliances, gas stove, granite countertops & ceramic subway tile backsplash. The primary bedroom has tray ceilings & spa-like bathroom with upgraded tile. The community pool & playground is a bonus! Create precious memories in this beautiful FULTON home! YOU will LOVE this HOME!

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2242 S Catarina Circle Mesa, AZ 85202

$675,000

4 Beds

2 Baths

2,322 SqFt

Status Active Under Contract

MLS # 6766426

Property Type Single Family Residence

Price Type --

Welcome to your dream home in Mesa, AZ! This stunning 4 bedroom, 2 bath, 3-car garage house boasts 2,322 square feet of spacious living space with a cozy brick fireplace. All the paint and carpet are brand new, adding a fresh and inviting touch throughout. Located on a quiet cul-de-sac lot, this property offers the perfect combination of privacy and convenience. Step outside to your own private oasis with a fenced pool and low maintenance artificial lawn. Turf is eco- and pet-friendly. Located in the quiet, safe, established neighborhood of Laguna Shores, you'll love coming home to this charming home every day. Don't miss out on this incredible opportunity - reach out for more information!

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2301 E Nisbet Road Phoenix, AZ 85022

$675,000

4 Beds

2 Baths

1,958 SqFt

Status Active Under Contract

MLS # 6778393

Property Type Single Family Residence

Price Type --

This beautifully remodeled home showcases modern finishes and thoughtful upgrades inside and out. The kitchen shines with striking navy cabinets, sleek quartz countertops, and a unique peninsula with waterfall edges—perfect for meal prep and entertaining. The spacious open layout flows seamlessly into the living area, complete with stylish wood accents and a statement fireplace. Each bathroom has been transformed with custom tile work, elegant vanities, and contemporary lighting, creating spa-like retreats. Outside, the fully redesigned backyard is an oasis featuring a refreshing pool, fire pit area, and lush landscaping. Additional highlights include a large covered patio with ceiling fans, ideal for outdoor lounging. With a generous lot size, this property combines style and function!

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8027 W Northview Avenue Glendale, AZ 85303

$675,000

5 Beds

3.5 Baths

3,240 SqFt

Status Active

MLS # 6708412

Property Type Single Family Residence

Price Type --

Gorgeous 5 Bedroom, 3.5 Bathroom home on a corner lot, across from a little park in a desirable gated community. The designer kitchen opens into the family room with high ceilings. There is a separate area off the main room for an office, pool table, workout area, or? Upgrades include a huge sliding glass back door, a premium lot, a custom stone front of the home, an upgraded master bath with an upgraded tub/shower, and more. One of the bigger homes in the subdivision. The quiet enjoyable gated community is close to the 101 freeway, restaurants, and shopping. Westgate and other entertainment districts are also located in all directions. The backyard is good-sized and perfect for a pool or for you to create your dream backyard. Agents Must read private remarks. Great Price!

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21278 W Glen Street Buckeye, AZ 85396

$675,000

3 Beds

2.5 Baths

2,868 SqFt

Status Active

MLS # 6747942

Property Type Single Family Residence

Price Type --

Welcome to your dream home in the serene Main Street District of Verrado! This beautifully crafted 3-bedroom, 2.5-bath residence offers a perfect blend of luxury and comfort, capturing the essence of desert living. This home boasts exceptional curb appeal with its charming front porch, elegant courtyard entry, brick-paved driveway leading to the front door, and a freshly painted exterior (2024). The open-concept design is ideal for entertaining, featuring a separate formal dining area and a versatile flex space that seamlessly flows into the great room and kitchen area. The kitchen boasts stainless steel appliances, including a double oven, quartz countertops, 42' espresso cabinets, a large walk-in pantry, and a butler's pantry. The spacious primary suite is a true retreat with... gorgeous mountain views and a large bath that includes a separate tub and benched shower, dual vanities, a private water closet, and a large walk-in closet. The home also offers an office space/teen room and two additional bedrooms each with walk-in closets, along with upper and lower cabinets in the laundry room for added storage. Enjoy breathtaking sunsets from your own backyard, perfect for indoor/outdoor Arizona living, with extended pavers off the patio, citrus trees, grass, and easy-maintenance gravel throughout the oversized 10,258 sq. ft. lot. Additional features include 10-ft ceilings, 8-ft doors, tile flooring in all the right areas, ceiling fans and 2 wood blinds throughout, new AC unit (2022), and a new water heater (2024). Original Homeowners. The home is prewired for outdoor speakers on the back patio. The 3-car tandem garage comes with a 1-year-old AC unit for your comfort while working on hobbies. Built by Meritage, this house is highly energy-efficient, featuring tinted UV-protected windows, climate-sealed foam insulation, and 2x6 construction. Stroll down to Main Street and enjoy all the small-town charm it has to offer with easy access to grocery shopping, restaurants, golf courses, schools, and a recreation facility. Don't miss this exceptional opportunity to make this luxurious home yours!

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