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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3429 E Poinsettia Drive Phoenix, AZ 85028

$660,000

4 Beds

2 Baths

2,112 SqFt

Status Active

MLS # 6762301

Property Type Single Family Residence

Price Type --

STUNNING NORTH PHOENIX HOME, NO HOA, WITH BACKYARD OASIS! This fully updated home features an open floor plan, 4 bedrooms (each fits a king bed), 2 bathrooms, bonus game room, 2-car garage, heated pool with Aqualink, paved fire pit area, separate storage room, putting green, and the BEST LOCATION in all of Phoenix! Tile and laminate flooring throughout (no carpet). The kitchen features stainless steel appliances with quartz and butcher block counter tops. The home is solar powered, and is conveniently located close to Paradise Valley, Kierland Commons, and Scottsdale Quarter. Easy access to the 51, only a 15-minute drive to the Mayo Clinic or the Sky Harbor Airport, and 20 minutes to Old Town Scottsdale. The primary bedroom hosts a pristine private bathroom with a floor-to-ceiling tiled shower. The entertainer's backyard features a putting green, a Ramada, multiple paver patios, a fire pit, and a sparkling blue pool. Everything you're looking for, you'll find it here!

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1251 E Parkview Drive Gilbert, AZ 85295

$660,000

4 Beds

2.5 Baths

2,237 SqFt

Status Active

MLS # 6765501

Property Type Single Family Residence

Price Type --

WOWZA! Newly remodeled, fantastic home in Spectrum has everything! Offering 4 beds, 2.5 baths, 3 garage spaces including tandem, & a manicured landscape. Inviting interior showcases tons of natural light, designer paint, & wood-look flooring t/out. W/a large living/dining room & an open-concept family room, you have spaces for relaxation & gathering. The impressive kitchen boasts SS appliances, granite counters, a pantry, ample cabinetry, track lighting, & a 2-tier peninsula w/breakfast bar. The master bedroom is downstairs! It features an ensuite w/two vanities, separate tub/shower, & a walk-in closet. Secondary bedrooms & a versatile loft await upstairs. Enjoy the spacious entertainer's PRIVATE backyard with a covered patio, built-in BBQ, synthetic & natural lawns, and a sparkling pool!

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3076 Summer Loop Forest Lakes, AZ 85931

$660,000

3 Beds

2.5 Baths

1,946 SqFt

Status Active

MLS # 6771049

Property Type Single Family Residence

Price Type --

Beautifully quaint and absolutely perfect cabin on a hilltop lot in Forest Lakes! Walk in to a spacious family room with soaring windows filling the room with soft natural light and wood burning stove/fireplace. The open floor plan opens to a cozy kitchen with eat in dining and separate oversized pantry/mudroom. Master suite is on the main level with a walk-in closet and on-suite bathroom. Upstairs features a landing overlooking the family room and 2 oversized bedrooms. Covered front and back patios make family gatherings or just enjoying the pines the perfect place to be. Easy drive up blacktop driveway w/ chip-seal coat. Several parking options and detached garage with laundry room. 1 acre lot features pine trees, aspen, apple and plum trees! Property sold fully furnished with all decor

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5222 W Buckskin Trail Phoenix, AZ 85083

$660,000

4 Beds

2 Baths

2,294 SqFt

Status Active

MLS # 6772837

Property Type Single Family Residence

Price Type --

Stunning 4BR/2BA home in STETSON VALLEY! You will be impressed the moment you walk through the front door. Spacious formal living /dining room, kitchen includes granite countertops, SS appliances , Maple cabinets, and large island. Kitchen is open to large family room which is perfect for entertaining. Neutral colors, plank tile flooring throughout home, including the 4 spacious bedrooms. Extended 2 -car garage w/cabineets. Covered patio, firepit with cozy seating, mountain views & mature landscaping. Excellent schools and close to everything.

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7908 W Rose Garden Lane Peoria, AZ 85382

$660,000

4 Beds

2 Baths

2,334 SqFt

Status Active

MLS # 6772892

Property Type Single Family Residence

Price Type --

Nestled in the desirable Fletcher Heights Great corner lot with 4 bedrooms and a large den with beautiful french doors. The back yard is your private oasis retreat perfect for relaxing or entertaining! The kitchen has stainless appliance package, gorgeous quartz counters, a huge island, and painted cabinets with hardware! Split floorplan with Large primary bedroom with double doors opens to the primary bathroom that has a separate tub and shower and upgraded counters, door going to the backyard Wood looking tile flooring in the bedrooms accents the upgraded baseboards. New roof in 2020! A few miles Arrowhead shopping and dining.

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631 S Lanus Drive Gilbert, AZ 85296

$660,000

4 Beds

2 Baths

2,310 SqFt

Status Active Under Contract

MLS # 6775963

Property Type Single Family Residence

Price Type --

Gorgeous one-story home sitting on a pie-shaped lot of a private cul-de-sac! Upon entering, you'll be greeted by a formal living/dining room, vaulted ceilings, carpet/tile floors, and a large den with double doors. Continue into the family room, boasting a dining area, clerestory windows, and sliding glass doors that merge the indoor/outdoor areas. The kitchen has a subway backsplash, white cabinets, stainless steel appliances, track lighting, quartz counters, and a breakfast bar. In the main bedroom, discover a luxurious bathroom with dual vessel sinks, a glass enclosure raindrop shower, a freestanding tub, and a walk-in closet. The oversized backyard features a covered patio with extended Ramada and pavers, grass, beautiful trees, and convenient storage. This jewel won't last!

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7033 N 16th Place Phoenix, AZ 85020

Open House

$660,000

3 Beds

2.5 Baths

1,958 SqFt

Status Active

MLS # 6778426

Property Type Single Family Residence

Price Type --

Find the perfect balance of modern convenience and serene living in this beautifully remodeled North Central patio home, nestled within the highly sought-after Monteil Townhomes community. Built in 1998 and thoughtfully updated, this 3-bedroom, 2.5-bath retreat features vaulted ceilings in the entry, den, and family room, creating an inviting and spacious atmosphere. Recent upgrades include a new roof and air conditioner (2020) and updated stainless steel appliances, making the timeless kitchen a cooking sanctuary with custom cabinetry and a handy eat-in space. The third bedroom doubles as an ideal home office, perfect for today's work-from-home lifestyle. The backyard, with its tranquil fountain and paver walkway, offers a peaceful escape, easily accessible from both the primary bedroom and the living area. Storage is ample with a two-car garage equipped with built-in cabinets. Monteil Townhomes are rarely available, and this gem offers lush patios, abundant natural light through large windows and skylights, and easy access to the Arizona Canal Trail just steps from your door. Whether you're an outdoor enthusiast or someone who appreciates proximity to dining and shopping, this home provides it all.

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7634 E Medlock Drive Scottsdale, AZ 85250

Open House

New

$660,000

2 Beds

2 Baths

1,274 SqFt

Status Active

MLS # 6779499

Property Type Single Family Residence

Price Type --

Ultimate designer patio home in perfect Scottsdale location! Reimagined from the ground up. This gorgeous 2 bed, 2 bath home offers soaring ceilings with fireplace and designer touches throughout. New custom kitchen w/large waterfall island, sleek glass appliances, custom range hood. Beautiful floors thru-out this single story w/ modern muted glass interior doors and custom shutters. Roomy resort style primary en-suite offers spa like bath w/ walk-in closet. Spa-styled guest bath. Can purchase fully furnished! Two outdoor patios. Steps from relaxing community pool and spa. 2-car garage w/ epoxy floors. Walk to grocer, Starbucks, greenbelt, canal, Chaparral park. Perfectly located, mins from Fashion Square and Scottsdale's best restaurants. Here's your chance to make this yours. Perfect Location. 5-min walk to grocer, Starbucks, eats, greenbelt, canal bike path. Perfectly located, mins from Fashion Square and Scottsdale's best restaurants, museums, spring training and entertainment.

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27789 N 129th Lane Peoria, AZ 85383

New

$660,000

2 Beds

2 Baths

2,111 SqFt

Status Active

MLS # 6779627

Property Type Single Family Residence

Price Type --

Trilogy at Vistancia is one of the nicest and most sought after communities in all of Arizona and then to top it off we are bringing you the best floor plan to boot. Make sure to put this one on your list to tour! The home is impeccably maintained, truly move in ready and features 2 bedrooms (plus den/3rd bedroom), 2 bathrooms, 2.5 car garage, stunning front courtyard, expansive rear patio with hot tub and TV mounts. You are buying more than a HOME...you are buying a luxury lifestyle. This home is conveniently located just off the 303 freeway, 8 minutes to TSMC, neighborhood shopping/restaurants, Target, Home Depot, Costco are all closeby. Trilogy amenities include 2 Luxurious Clubhouses (Kiva Club & Mita Club), 3 pools, championship golf course, PICKLEBALL, tennis, arts, crafts, exercise

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12854 S 189th Avenue Buckeye, AZ 85326

$659,999

4 Beds

3 Baths

2,250 SqFt

Status Active

MLS # 6761627

Property Type Single Family Residence

Price Type --

MOUNTAIN VIEWS! This 2024-built home with a HUGE 3-car garage nestled on a SPACIOUS 1.26 acres is the one for you! Enter through the custom double doors to discover a roomy open floor plan that promotes a modern feel. Wood-look tile flooring, neutral palette, and stylish light fixtures are worth mentioning. Spotless kitchen is equipped with abundant white cabinetry, stainless steel appliances, a walk-in pantry, sleek quartz counters, and a center island with a breakfast bar. In the large main retreat, you will have an ensuite with dual sinks, garden tub, and a walk-in closet. Massive backyard with a covered patio and views that go on and on has enough room for a pool, a shop, or whatever you can imagine! Hurry! Your forever haven is ready to welcome you!

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17440 W Carlisle Drive Surprise, AZ 85388

$659,995

2 Beds

2.5 Baths

2,354 SqFt

Status Active

MLS # 6709614

Property Type Single Family Residence

Price Type --

This stunning Skybrook floorplan is located within a 55+ only neighborhood, found within this beautifully landscaped, all-ages gated master planned community featuring an active lifestyle with golf, clubhouse activities, pools, sport courts, professional spa, and an on-site restaurant and bars. This single level home features 2 spacious bedrooms with 2.5 bathrooms and a 3 car garage. The gourmet kitchen makes a statement with its premium finishes, upgraded cabinets, and stainless steel KitchenAid appliances. The primary bedroom suite offers a luxurious bath and impressive closet space. A private flex space extends the possibilities of this home, creating plenty of space for personalization. Live the country club lifestyle at Sterling Grove!

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9390 Mead Lane Snowflake, AZ 85937

$659,995

6 Beds

4 Baths

2,624 SqFt

Status Active

MLS # 6731913

Property Type Manufactured Home

Price Type --

Wow! Check out this opportunity! 2 homes on 80 acres fully off grid and self sustaining. The PRIMARY HOME offers 1568 square feet of living space with 3 bedrooms and 2 bathrooms. Floors recently upgraded to vinyl plank throughout. Split bedroom floor plan. Kitchen features hickory cabinets, granite counter tops, large kitchen island, farm sink and NEWER gas stove. Primary home is powered by 30 solar panels which is sustained by banks of lithium batteries. In addition to a 2 car masonry garage, the primary home also features a single car Graceland garage, a 14 X 40 carport and a 10 x 20 Graceland Lofted Barn Cabin for extra storage. The GUEST HOME offers 1056 square feet of living space with 3 bedrooms and 2 bathrooms. See additional description. The living space is bright and airy and features a split bedroom floor plan and breakfast bar. Guest home is powered by 25 solar panels and sustained by banks of 12 AGM Maintenance Free batteries. 1 private well services both homes. Another private well is located on the upper 40 acres and is currently being used for their cattle. Property can be split and has passed a perc test. See document file. Power is also located nearby if you would prefer that option. This property would be perfect for multi-generational housing or could use guest home as rental income! Property is all off-grid but only 10 miles from town. Best of both worlds!

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