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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23919 W Pinnacle Vista Lane Wittmann, AZ 85361

$650,000

4 Beds

3 Baths

2,484 SqFt

Status Active

MLS # 6757913

Property Type Single Family Residence

Price Type --

Discover your dream homestead on over 1 acre of land, stunning mountain views and just a short drive to Surprise for all your daily needs. This property is perfect for those seeking space and freedom, with no HOA restrictions. Fenced yard closest to the house, the back RV/carport comes equipped with water and 220 AMP electric service, ready for all your vehicles and projects. A car enthusiast's dream, the 5-car garage features extra-tall doors for over height vehicles, a 220 outlet, and climate control, making it comfortable year-round. Inside, the chef's kitchen boasts granite countertops, upgraded maple cabinets with accent lighting, a walk-in pantry, and ample counter space for all your culinary adventures. The spacious primary suite offers a double-door entry, a private exit to the back patio, a huge walk-in closet, and a luxurious bathroom with a spa tub and walk-in shower. Additional highlights include two secondary bedrooms with walk-in closets, and a fourth bedroom with a separate entrance to the front of the home. The open floor plan is designed for entertaining, with seamless flow to the large covered patio, perfect for enjoying the breathtaking views of the White Tank Mountain Range. Don't miss this rare opportunity to own a unique, spacious property in a peaceful setting!

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10523 E Simone Avenue Mesa, AZ 85212

$650,000

4 Beds

2.5 Baths

2,930 SqFt

Status Active

MLS # 6772714

Property Type Single Family Residence

Price Type --

*** EASTMARK BEAUTY!!!***...Don't miss this Stunning MOVE-IN READY...4 bed/2/5 bath home LOADED w/ UPGRADES!! Incredible OPEN FLOOR PLAN includes GORGEOUS KITCHEN w/ GRANITE COUNTER TOPS. CUSTOM CABINETS, STAINLESS STEEL APPLIANCES...including GAS RANGE, huge CENTER ISLAND & so much more! Ideal for a growing family, this home features plenty of room for everyone...INCLUDING AN UPSTAIRS LOFT perfect for a game room, entertainment center or den. Step outside through EXTENDED SLIDING GLASS DOORS to a LARGE back yard w/ PERGOLA COVERED AREA ideal for entertaing & family gatherings! Finishing touches include ENERGY-SAVING SOLAR PANELS, 3-car garage & cozy FRONT PORCH AREA. AWARD-WINNING EASTMARK AMENITIES & SCHOOLS along with restaurants, shopping & easy freeway access just MINUTES AWAY!!

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3630 N 372nd Lane Tonopah, AZ 85354

$650,000

4 Beds

2.5 Baths

2,472 SqFt

Status Active

MLS # 6759877

Property Type Single Family Residence

Price Type --

This is a rare opportunity to own a stunning 4-bedroom home on a fully fenced nearly 2-acre lot with breathtaking mountain views. The home exudes pride of ownership, featuring meticulously maintained desert rock landscaping, an extended driveway, fresh interior and exterior paint, abundant natural light, and elegant archways. The gourmet eat-in kitchen boasts SS appliances, granite countertops, tile flooring, recessed lighting, ample wood cabinetry, & a center island breakfast bar. Enjoy seamless indoor-outdoor living in the Arizona sunroom, complete with retractable windows and its own AC for year-round comfort. Take advantage of energy savings with paid-off solar panels & new AC unit. Check out the expansive backyard, offering a Pickle Ball court for sports enthusiasts! Also including 3 stalls along with a tack room and horse wash rack. PLUS! The other lot, with a huge RV garage & a corral, presents a remarkable chance for expansion, investment, or customization. Bring your toys, RVs, horses, & other animals - this property has plenty of space! Don't miss this excellent opportunity!

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2736 E Sourwood Drive Gilbert, AZ 85298

$650,000

4 Beds

2 Baths

2,138 SqFt

Status Active

MLS # 6760086

Property Type Single Family Residence

Price Type --

Nestled in the heart of Gilbert, in the coveted Freeman Farms community, this stunning single-story gem is where elegance meets everyday comfort. Boasting 4 spacious bedrooms, and two luxurious baths, this home is designed with an open floor plan that seamlessly blends living, dining, and kitchen spaces—perfect for both quiet evenings and lively gatherings. The 3-car garage offers ample room for all your vehicles and toys. The Primary suite provides direct access to the backyard, where the art of entertaining comes alive, with built-in BBQ and large covered patio. This is more than just a house; it's the lifestyle you've been dreaming of, in one of Gilbert's most sought-after neighborhoods... WELCOME HOME!

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6334 E Viewmont Drive Unit 46 Mesa, AZ 85215

$650,000

3 Beds

2 Baths

1,978 SqFt

Status Active

MLS # 6768584

Property Type Single Family Residence

Price Type --

Looking for a peaceful escape in Mesa's sought-after Red Mountain Ranch? This immaculate 3-bed, 2-bath home offers a perfect blend of tranquility & convenience. Nestled on a private north/south-facing hillside lot, this property boasts a resort-style backyard complete with a sparkling pebble-finish pool (recoated in 2024). Inside, enjoy the airy feel of soaring ceilings, ceramic tile floors throughout, and ample living space. The large Primary Suite includes double sinks, a separate shower and tub. With recent upgrades like a new AC (2021) and fresh paint, this home is move-in ready! Set in a gated community, you'll enjoy stunning mountain views and easy access to the 202, placing shopping, dining, and outdoor recreation right at your fingertips. Explore the nearby Usery Mountain trails, or experience the perks of Red Mountain Ranch Country Club, featuring a championship Pete Dye golf course, tennis courts, fitness center, and more (with optional membership). Outdoor enthusiasts will love the proximity to Tonto National Forest, offering hiking, mountain biking, paddle boarding, and boating. With the Salt River and Saguaro Lake just minutes away, adventure awaits! Don't miss out on this serene Arizona retreat!

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16118 W Hualapai Street Goodyear, AZ 85338

$650,000

4 Beds

4 Baths

3,565 SqFt

Status Active

MLS # 6762552

Property Type Single Family Residence

Price Type --

Welcome to this impeccably maintained, one-owner home, complete with an outdoor oasis. As you step inside, you're greeted by soaring 10-ft ceilings and an inviting open floor plan featuring a spacious family room, formal dining, and a versatile office/den. The heart of the home boasts stunning wood flooring and a wall of windows that fill the kitchen, dining, and living areas with abundant natural light. Enjoy evenings by the natural gas fire pit, whip up meals on the built-in gas grill, or take a dip in the heated pool and spa. A lush grassy area, extra storage shed, and RV gate with a parking pad complete this backyard haven, all while overlooking a peaceful park setting. When it's time to unwind, the upper level features 4 bd (each with w/in closet)/3ba, fitness room, and a media room. Welcome to this impeccably maintained, one-owner home that offers both elegance and comfort, complete with an outdoor oasis that's truly a must-see. As you step inside, you're greeted by soaring 10-foot ceilings and an inviting open floor plan featuring a spacious family room, formal dining area, and a versatile office/den. The heart of the home boasts stunning wood flooring and a wall of windows that fill the kitchen, dining, and living areas with abundant natural light. This seamless transition to the outdoors reveals a private sanctuary perfect for entertaining and relaxation. Enjoy evenings by the natural gas fire pit, whip up meals on the built-in gas grill, or take a dip in the heated pool and spa. A lush grassy area, an extra storage shed, and an RV gate with a parking pad for your toys complete this backyard haven, all while overlooking a peaceful park setting. When it's time to unwind, head upstairs to your personal retreat. The upper level features 4 spacious bedrooms, each with its own walk-in closet, along with 3 bathrooms, a fitness room, and a media room. This exceptional property combines luxurious living with thoughtful details inside and outdon't let this opportunity pass you by!

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356 Ancora Drive Litchfield Park, AZ 85340

$650,000

4 Beds

2 Baths

1,894 SqFt

Status Active

MLS # 6761307

Property Type Single Family Residence

Price Type --

Beautifully remodeled home with Heated Pool located in the heart of Litchfield Park. Not only is Litchfield Park pretty central to most of the West Valley such as West Gate and the Cardinals Stadium but here you are right down the street from award winning golf, restaurants, shopping and more. Inside the home you will notice a completely updated kitchen with Quartz countertops, new cabinets, stainless steel appliances, and gas stove. The home also features 3 spacious secondary bedrooms and a large Master Bedroom complete with a beautiful en suite with dual sinks and walk in shower. Both bathrooms have also been updated. Clean Modern style throughout the home.

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14829 W Pershing Street Surprise, AZ 85379

$650,000

5 Beds

4.5 Baths

3,505 SqFt

Status Active

MLS # 6772071

Property Type Single Family Residence

Price Type --

NEW PICS COMING!! This Gorgeous Home has a Casita with it's own exterior access and a Full Bathroom. The main House has the Huge Master Bedroom upstairs along with 3 additional Bedrooms. The formal living room/den/playroom is right off the entry, there's a formal dining room, Huge Kitchen with an attached Family Room! The Fabulous Kitchen has upgraded cabinets, a HUGE Island, Gas 5 burner cooktop and separate oven, microwave. There's a large walk-in pantry and a butler's pantry with sink and wine refrigerator. The 3 car tandem garage has plenty of cabinets for storage and it's own A/C system, just in case you want to use the 3rd car portion as a workout area. Backyard has a covered patio, paver firepit area and a pergola paver patio. There is a solar system too.. help with the electric bill. These homes are so well insulated - I have the same floor plan and with smart thermostats and energy management (we keep the house at 70 degrees except for 4pm-7pm) our August bill was $380 and we don't have solar. HOA amenities include 3 pools, a splash pad, recreation center, firepit and 2 fireplaces, 20+ parks (each with it's own theme) and beautiful tree lined streets. HOA, monthly yard maintenance, monthly pest control and monthly A/C filter change are all included.

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18238 N 43rd Drive Glendale, AZ 85308

$650,000

5 Beds

3 Baths

2,813 SqFt

Status Active

MLS # 6761922

Property Type Single Family Residence

Price Type --

Multi-Generational home on one of Bellair's 10 Largest Lots! Of over 1100 homes in Bellair, there are only 10 lots this size. Four bedrooms in main house, including main bedroom with en suite bathroom, private exit and TWO closets. Next-Gen suite offers private bathroom with walk-in shower, wider door frames, no steps, Living Room, Kitchenette, Laundry hook-up, Bedroom and private exit. Huge 14,111 square foot lot offers sparkling play pool, two separate grassy yards, mature landscaping, citrus tree, patio that extends length of home. Entertain in either the Great Room with updated kitchen or Formal Living Room adjacent to Dining Room. Vaulted ceilings and custom flooring are enhanced by stainless steel appliances, custom paint and beautiful granite countertops. Unique Find!

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7609 E Indian Bend Road Unit 3005 Scottsdale, AZ 85250

$650,000

3 Beds

2 Baths

1,541 SqFt

Status Active

MLS # 6764433

Property Type Apartment

Price Type --

This stunning condominium is located on the third floor offering access using stairs or the elevator. It is a fully furnished residence that can sleep up to 6. This three bedroom two bath home is located within a gates community. The private balcony over looks the pool and you're steps away from the Scottsdale Silverado Golf Club. Walking distance to Railroad Park and the Canal takes you to Tempe Town Lake. Restaurants, shopping and entertainment are literally in your backyard. The perfect location for living your best life. Better yet this community does allow Short Term Rentals. So investors come one come all!!

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555 N Ocotillo Drive Wickenburg, AZ 85390

$650,000

3 Beds

2 Baths

1,879 SqFt

Status Active

MLS # 6764922

Property Type Single Family Residence

Price Type --

Nestled on 1.4 acres of scenic horse property in the heart of Wickenburg, this beautifully updated 3-bedroom, 2-bathroom home offers a perfect blend of modern comfort and rural tranquility. With breathtaking panoramic views surrounding the property, you'll experience peace and privacy while still being close to town. Inside you'll discover a thoughtfully remodeled interior, where the kitchen shines with its 2024 upgrades, featuring sleek countertops, updated cabinetry, and new appliances, making it a dream space for cooking and entertaining. Fresh, stylish flooring flows throughout, providing a clean, contemporary feel, while the newly updated AC system ensures comfort year-round. Outside, you'll find a comfortable oasis perfect for relaxation and entertaining. The heated pool... offers the ideal spot to cool off during warm Arizona days, while the included above-ground spa promises relaxation under the stars. Additionally, the property boasts an oversized, over-height garage/shop, perfect for projects, storage, or accommodating larger vehiclesan excellent bonus for any hobbyist! Designed with both comfort and practicality in mind, this Wickenburg retreat offers the perfect space to enjoy rural living with modern conveniences, making it a must-see for those seeking a peaceful escape in Wickenburg!

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7467 E Pleasant Run -- Scottsdale, AZ 85258

$650,000

2 Beds

2 Baths

1,590 SqFt

Status Active

MLS # 6766453

Property Type Single Family Residence

Price Type --

Welcome to your beautifully upgraded 2 bedroom master suite in the highly sought after community off Pleasant Run.The kitchen features new cabinets, granite counter tops, stainless steel appliances with ample pantry space. The expansive greenroom boasts vaulted ceilings and a cozy fireplace. Relax on your private patio wile overlooking lush gardens.

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