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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2501 W Red Tail Way Prescott, AZ 86305

$674,900

4 Beds

3 Baths

2,396 SqFt

Status Active

MLS # 6781915

Property Type Single Family Residence

Price Type --

Beautiful home on over an acre of land. This 4 bedroom, 3 bath, 3 car garage home has two year old roof, stucco and paint, 3 year old water heater, and 3 year old appliances. Remodeled kitchen and baths, owned solar, newer well pump, fenced yard, large patio with views and all appliances included. Zoned for up to 2 horses. Close to town with the country feel.

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1026 E Lodgepole Drive Gilbert, AZ 85298

$674,900

4 Beds

2 Baths

2,400 SqFt

Status Active

MLS # 6787602

Property Type Single Family Residence

Price Type --

Welcome to this stunning single-level home built in 2010 located in Felty Farms. Boasting 4 generously sized bedrooms and 2 large bathrooms, this home offers comfort, style, and functionality. Enjoy this inviting home with plenty of natural light and open floor plan. Walk into your spacious kitchen overlooking the living room. Enjoy the eat-in kitchen, double oven, large island, gas cooktop, ample cabinet space, and pantry. Gather with family and friends in the formal dining area or family room area, whichever you choose to make it. Step into your large primary suite, which includes a huge walk-in shower, dual sinks, separate toilet area, and spacious walk-in closet. Walk outside into your beautiful backyard with a built-in fire pit and custom landscaping. The 3-car garage is ideal for extra space to park, added storage, or home gym. Do not miss an opportunity make this Gilbert gem your own!

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1715 S Hardy Drive Tempe, AZ 85281

$674,900

4 Beds

2 Baths

1,858 SqFt

Status Active

MLS # 6712585

Property Type Single Family Residence

Price Type --

This property is perfect for either an active STR or as a fully-furnished move-in ready home. The previous owners made over $58,000 in improvements, including new exterior siding, pool resurfacing, pool heater and automation, panel installation, replacement of old Orangeburg sewer line, new washer and dryer, new pool pump, back yard landscaping with high quality turf installation & rock in front. They also added over $55,000 worth of home furnishings and accessories. Whether you are looking for an STR opportunity or a new home, this property is move-in ready, with access to Tempe and South Scottsdale sports, dining and entertainment.

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3040 Hoskinini Circle Prescott, AZ 86305

$674,900

3 Beds

3 Baths

3,288 SqFt

Status Active

MLS # 6722206

Property Type Single Family Residence

Price Type --

Welcome to this inviting home, nestled on a secluded ½ acre homesite in the Tonkawa neighborhood. Surrounded by mature pine trees, this property offers a sense of tranquility and privacy. A gated circular drive leads you to this split-level entry home, ideal for multi-generational living with separate living spaces and entrances all under one roof. The main level boasts a formal living room with large picture windows that bathe the space in natural light, centered around a charming brick-surround gas fireplace. The kitchen is a chef's delight, featuring gleaming granite counters, pendant lighting, a tray ceiling, breakfast bar, and an adjacent dining area. The master suite offers gorgeous wood floors, two closets, a full bath & an adjoining sitting room/office, creating a serene retreat. Additionally, the enclosed 14' x 10' Arizona room (not included in the square footage) provides flexible space for your needs. The lower level, currently configured as two apartments each with its own private entrance, features two bedrooms, two bathrooms, a family room, a full kitchen, and ample storage space, making it perfect for extended family or rental income. Step outside to enjoy the park-like backyard, which has hosted numerous weddings thanks to its picturesque setting. The outdoor area includes a spacious back deck, private patio, garden area, detached 2-car garage, large shed, and plenty of room to relax or entertain. Meticulously maintained over the years, all three buildings received new roofs in early 2024. Don't miss the chance to own this elegant, functional, and naturally beautiful property, offering endless possibilities for multi-generational living or investment.

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2323 N Central Avenue Unit 705 Phoenix, AZ 85004

$674,900

2 Beds

2 Baths

1,398 SqFt

Status Active

MLS # 6723457

Property Type Apartment

Price Type --

This historic mid-century landmark graces the Phoenix skyline with its timeless presence. Step into unit #705 and discover a truly unique, turnkey living space, meticulously designed with porcelain tile floors, quartz countertops, bespoke cabinetry, stainless steel appliances, induction stove and exquisite designer touches at every turn. The open-concept layout boasts floor-to-ceiling windows and custom patio doors that frame stunning vistas of the Midtown skyline and mountains. A spacious private balcony offers serene views of the pool and lounge area, seamlessly blending indoor and outdoor living. Enjoy an array of upgrades and exceptional amenities including ''HOA-covered'' utilities, assigned underground parking, round-the-clock concierge service, and more. Perfectly situated within walking distance of Midtown's vibrant offerings, this is more than just a homeit's your sanctuary. Welcome to your new oasis at the Regency on Central!

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656 W Johnson Drive Gilbert, AZ 85233

$674,900

4 Beds

2 Baths

2,374 SqFt

Status Active

MLS # 6739611

Property Type Single Family Residence

Price Type --

Discover your dream home in this exceptional property, boasting a spacious three-car garage and a host of upscale features. The beautifully designed primary bathroom offers a tranquil retreat, while the expansive kitchen is a chef's delight, featuring a wine cellar and a high-end Sub-Zero refrigerator/freezer. Set on a generous lot, this residence includes a sparkling pool with a diving board, perfect for entertaining and relaxation. Plus, enjoy the benefits of a solar savings! This home seamlessly combines luxury, comfort, and efficiency, making it a must-see!

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9292 E Dreyfus Place Scottsdale, AZ 85260

$674,900

3 Beds

2 Baths

1,720 SqFt

Status Active Under Contract

MLS # 6745860

Property Type Single Family Residence

Price Type --

This stunning 3-bedroom single-level home in Scottsdale is a true gem, offering the perfect blend of comfort and convenience. With vaulted ceilings and elegant plantation shutters throughout, the open and airy design creates a welcoming atmosphere. The wood flooring adds a touch of sophistication, while the corner lot position provides added privacy and a lovely view of the community park. The open kitchen seamlessly flows into the family room, making it ideal for both everyday living and entertaining guests. Enjoy a lifestyle of ease with everything you need just moments away: movie theaters, diverse dining options, grocery stores, Scottsdale Shea Hospital, the McDowell Mountain Preserve, and an array of shopping opportunities.

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1806 E La Jolla Drive Tempe, AZ 85282

$674,900

4 Beds

3 Baths

2,624 SqFt

Status Active

MLS # 6770770

Property Type Single Family Residence

Price Type --

Welcome to 1806 E La Jolla Dr where you'll find class and comfort wrapped up into this spacious 2,624 sq ft single story fully remodeled home located in the heart of everything Tempe. Entering you'll find a foyer to greet your guests and provide privacy from your main living quarters. The oversized front living room with a huge picture window can be turned into a den, office, game-room etc. You'll then be lead into the gorgeous oversized dining room. The size of this room also gives you so much leeway to create the most amazing built in buffet with extra storage or drink station etc so many possibilities. Let's head into the great-room where you'll be happy to find gorgeous quartz countertops, new shaker cabinets, backsplash and matching LG appliances. Another feature you'll find is the wood burning fire place that will create the coziest setting for those cooler winter months or rainy days snuggling on the couch. Now let's talk bedrooms, not too often do you find two true primary suits. This is one of the best features of this house. You'll have so much flexibility for your ever changing lifestyle needs. Each primary room has an en suite and one has a brand new slider that leads to the backyard. The two other bedrooms are large in scale as well and provide ample space for any age. There is a third full bathroom in this house as well which is not that common in this area and provides so much convenience. Roughly 70 LED can lights were added during the remodel to provide that light, bright and airy feeling we are all searching for. All new light switches with dimmers, New AC installed in 2023 and new underlayment in 2019, new water heater installed in 2024 so all your major mechanical components are taken care of. This is a must see home with so much attention to detail.

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20447 N 266th Avenue Buckeye, AZ 85396

Open House

$674,900

2 Beds

2 Baths

2,323 SqFt

Status Active

MLS # 6771161

Property Type Single Family Residence

Price Type --

Welcome to this Copper Canyon Golf Course Home with expansive Mountain Views. The popular FIESTA model is located in the heart of Sun City Festival, near the Sage Rec Center, Golf Pro Shop & Indigo Grill. This 2,323 sqft home sits on an elevated 9,200 sqft lot. Enter the private courtyard and discover an open floor plan with 10' ceilings showcasing tile floors w/marble inserts. The Chef's dream kitchen offers cherry cabinets, granite countertops, kitchen island, 5 burner gas cooktop, SS appliances & breakfast nook. After a day of fun in this active 55+ community, retire to your large Owner's Suite w/patio doors, spacious ensuite w/dual vanities, tiled shower, soaking tub & roomy closet w/custom built ins. This home is truly an entertainer's delight w/extended paved patio, built in BBQ firepit & LUSH GOLF COURSE BACKDROP. Both interior & exterior were recently painted & new HVAC was installed in 2021. The 3 Car garage w/built in storage; large laundry room w/sink & leased solar complete the package for a perfect Desert Oasis.

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9762 E Research Avenue Mesa, AZ 85212

$674,850

4 Beds

3 Baths

2,474 SqFt

Status Active

MLS # 6742774

Property Type Single Family Residence

Price Type --

Welcome to this beautiful Lennar NextGen home in Eastmark! The main home has 3 bedrooms and 2 bathrooms and the casita, 1 bedroom, 1 bathroom, a living room, a stackable washer and dryer, and a full kitchen! The great room has beautiful wood-looking tile, a modern ceiling fan, and surround sound. You will love the upgraded shutters throughout! The kitchen offers quartz countertops, stainless steel appliances, and pendant lighting over the island breakfast bar. The primary suite has an ensuite bathroom with a large shower, dual sink vanity, and 2 walk-in closets. The remaining bedrooms are move-in ready with shutters and a ceiling fan. The backyard is cozy with an above-ground spa, a covered patio with a ceiling fan and a covered extension. Additional features include a shed, screens on the windows, prewired for surround sound, garage flooring is epoxied and finished with cabinets. Do not miss out on this home! Eastmark is an amenity-rich community offering its residents a resort-style community has a pool that's heated, a kid recreational center, a splash pad, lakes, and a farmers' market.

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1100 N Earhart Parkway Payson, AZ 85541

$674,000

3 Beds

2 Baths

1,683 SqFt

Status Active

MLS # 6784933

Property Type Single Family Residence

Price Type --

Perfect full-time residence or part-time getaway with no Homeowners Association in a well-maintained neighborhood! Located on a .48-acre parcel. You will be delighted with a split floor plan concept that provides three bedrooms, two bathrooms, and an oversized three-car garage. Enjoy the four seasons Rim Country has to offer with a walkout deck off the great room and primary bedroom. There is also lots of additional storage in the crawlspace.

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8413 E Jackrabbit Road Scottsdale, AZ 85250

$674,000

3 Beds

2 Baths

1,722 SqFt

Status Active

MLS # 6765157

Property Type Single Family Residence

Price Type --

This meticulously maintained 3-bedroom, single-story residence is a rare find with no HOA. With a brand-new roof, new A/C, and fresh exterior paint, this home is ready for you to move in and enjoy. Located in a prime location, you'll be just moments away from the beauty of Chaparral Park, the vibrant energy of Old Town Scottsdale, and shopping at Fashion Square. Plus, you're close to spring training facilities and Talking Stick Resort, making it easy to enjoy all that Scottsdale has to offer. Step inside to discover a warm and inviting living space that flows seamlessly. Don't miss your chance to own this exceptional home in a fantastic location!

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