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

9165 W Stageline Road Payson, AZ 85541

$650,000

3 Beds

2 Baths

1,272 SqFt

Status Active

MLS # 6768169

Property Type Single Family Residence

Price Type --

Welcome to your slice of country heaven, where wide-open spaces and peaceful living come together on 2.35 acres of pure bliss! This delightful 3-bedroom, 2-bathroom home spans 1,272 square feet, blending rustic charm with modern comforts. Enter a cozy living area warmed by a classic Earth Stove fireplace, perfect for chilly nights after a day spent outdoors. The kitchen, filled with natural light, offers plenty of cabinetry and counter space for your culinary creations, all while overlooking the beautiful landscape. Generously-sized bedrooms provide a retreat for relaxation, with the primary suite featuring its own private bath for added convenience. Every inch of this home is designed for comfort, practicality, and a timeless country feel—Large Barn is a MUST see!! ideal for those who love the equestrian lifestyle and the serenity of country living!

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4072 E Las Colinas Drive Chandler, AZ 85249

$650,000

3 Beds

2.5 Baths

2,220 SqFt

Status Active

MLS # 6766016

Property Type Single Family Residence

Price Type --

Built in 2022, this stunning single-level home offers 3 bedrooms, 2.5 baths, and a spacious 2,220 sq ft layout. The open-concept design features a gourmet kitchen with white shaker cabinets, quartz countertops, and a large eat-up island. Enjoy seamless indoor-outdoor living with a 20' multi-panel sliding glass door opening to a private courtyard. The master suite also includes a sliding door to the courtyard, a tiled shower, and a large walk-in closet. 10 ft ceilings throughout home. Recent upgrades includes motorized roller shades for 20' sliding door and custom shutters throughout home. Don't miss the community pool, playground, and green spaces. This home is the perfect blend of style, comfort, and convenience!

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4514 N Kirkwood Avenue Prescott Valley, AZ 86314

$650,000

4 Beds

2.5 Baths

2,560 SqFt

Status Active

MLS # 6767302

Property Type Single Family Residence

Price Type --

Welcome to this stunning Prescott Valley home featuring a desirable floor plan with a spacious Great Room, versatile Den/Dining Room, and 4 bedrooms, including a luxurious Master Suite. BRAND NEW ROOF in 2023 with a transferable warranty. The Master Suite offers private access to the rear patio, a relaxing garden tub, dual vanities, and an expansive walk-in shower. With 2.5 baths, three additional spacious guest rooms, and a fantastic location, this home has everything you need for comfort and convenience. Ideal for entertaining and everyday living, this is the perfect blend of style and functionality. Don't miss out!

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22335 N Celtic Avenue Maricopa, AZ 85139

$650,000

5 Beds

3 Baths

3,721 SqFt

Status Active

MLS # 6768522

Property Type Single Family Residence

Price Type --

Welcome to this impressive home in the highly sought-after Cobblestone Farms community of Maricopa! This property offers everything you need for luxury living and entertaining. As you step inside, you'll find an open and inviting floor plan, perfect for both daily living and entertaining. The main level features a full bedroom and bathroom— great for visitors or multi-generational living. Upstairs, the master suite is a true retreat, complete with a private balcony overlooking your backyard paradise. The backyard is an entertainer's dream with a sparkling pool, swim-up bar, fire pit, and outdoor kitchen—ideal for Arizona living! Cobblestone Farms provides parks, a community pool, splash pad, and convenient access in and out of the city for commuters.

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1433 E Tulsa Street Gilbert, AZ 85295

$650,000

3 Beds

2 Baths

2,136 SqFt

Status Active

MLS # 6770807

Property Type Single Family Residence

Price Type --

Welcome to your dream home! This stunning property offers modern convenience and comfort in an excellent neighborhood and top-rated school district. Step into the open living space with soaring high ceilings and beautiful waterproof luxury vinyl plank flooring. The chef's kitchen is a masterpiece, featuring quartz countertops, brand-new stainless steel appliances, an Italian-made sink, soft-close cabinets, and a new refrigerator and dishwasher. The spacious bonus room is perfect for an office or den. Enjoy the low-maintenance front and back yard, complete with a large paver patio and double-door RV gate.

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5041 E Peak View Road Cave Creek, AZ 85331

$650,000

4 Beds

2.5 Baths

2,455 SqFt

Status Active

MLS # 6773541

Property Type Single Family Residence

Price Type --

This spacious 4 bedroom home with a large loft/bonus room is located in the wonderful Tatum Ranch community. The home has been recently upgraded with luxury vinyl floors and new baseboards on the main level and new carpet on the upper level. Interior was recently painted. The large kitchen has cherry cabinets, slab granite counters and stainless appliances including a new dishwasher. A large covered patio with paver floor leads to the gorgous fenced pool with newly resurfaced kool deck, new tiles, water filler and new pool motor. New epoxy floor in garage. Roof replaced in 2020. This is a truly move in ready home in a fabulous location near award winning schools, outstanding shopping & dining venues and great golf courses.

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20369 N Painted Sky Drive Surprise, AZ 85374

$650,000

2 Beds

2.5 Baths

2,732 SqFt

Status Active

MLS # 6770410

Property Type Single Family Residence

Price Type --

TASTEFULLY UPDATED AND BEAUTIFULLY MAINTAINED IRONWOOD MODEL. UPGRADES AND FEATURES: Remodeled Luxury Kitchen boasts Natural Hickory Cabinets w/Pull-out Shelving & Soft-closing Drawers, S/S Appliances, Granite Counters, Walk-in Pantry, Large Islands and Butler's Pantry*New Roof (2020)*New Exterior Paint (2024)*Newer HVAC (2018)*Newer Hot Water Heater (2020)* Neutral 20'' Tile throughout w/ Neutral Carpet in Bdrms & Den*Large Master Bath is updated w/Hickory Cabinetry, Granite Counters, New Sinks & Toilet*Large Master Bdrm w/Sitting Area*Rear Outdoor Living Space has been extended w/Pavers and Pergola**Whole House Filtration System*Newer PVC Irrigation & Control Box*Huge Laundry Rm w/wall-to-wall Cabinets, Large Granite Counter & Sink*Coffered Ceiling in Dining Room and MUCH, MUCH MORE!

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2826 E Victor Hugo Avenue Phoenix, AZ 85032

$650,000

5 Beds

2 Baths

2,154 SqFt

Status Active

MLS # 6769787

Property Type Single Family Residence

Price Type --

This beautifully updated home in the peaceful Shadow Mountain neighborhood is surrounded by picturesque mountain views & offers a blend of modern upgrades and serene outdoor living. The spacious, low-maintenance backyard is one of the main features of the home with newly planted citrus trees, covered patio and a newer aqua blue Pebble Tech pool making it the perfect oasis for relaxation. Step inside to find a stylish kitchen and living area with sparkling white quartz countertops, stainless steel appliances, fireplace, sit in dining room and a tankless water heater for energy efficiency. The home has been thoughtfully upgraded with brand new flooring(2024), a new septic tank system (2023), a new block wall for privacy (2023), and an upgraded main electrical panel (2023), Updated Plumbing. Other recent updates include: Refurbished HVAC unit installed in (2023), New remote-controlled ceiling fans (2023), New French patio doors (2023), New vinyl windows(2023) throughout. Also close to great shopping, & minutes from the 51 making easy commutes. This home combines modern convenience with natural beauty, making it a must-see property! Don't miss the opportunity to make it yours.

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41448 N Bent Creek Way Phoenix, AZ 85086

$650,000

4 Beds

2 Baths

2,082 SqFt

Status Active

MLS # 6771488

Property Type Single Family Residence

Price Type --

Beautifully updated home, remodeled in 2022 with new flooring, fresh paint, and a modern kitchen featuring an expanded waterfall island, new appliances, and upgraded lighting. This home includes 3 bedrooms, plus a versatile 4th bedroom/office with a closet. Enjoy energy efficiency with owned solar panels, a newer HVAC system, tankless water heater, and water softener. The backyard is a private oasis with a hot tub, gas fire pit, misters and offers a beautiful view of Daisy Mountain. Smart home features include a Nest doorbell, voice activated outdoor misters and fans, Yale lock, and programmable thermostat. Perfectly located, just a short walk to Ironwood Clubhouse and half a mile from Daisy Mountain trailhead.

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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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27710 N Higuera Drive Peoria, AZ 85383

$650,000

4 Beds

2.5 Baths

2,675 SqFt

Status Active

MLS # 6772310

Property Type Single Family Residence

Price Type --

Check out this amazing Westwing Mountain home today! Situated on a Cul de Sac lot right next to a multi-million dollar mountainside home currently being built, you can walk right into the gorgeous Arizona desert on challenging or not-so-challenging hiking trails, the choice is yours. Featuring 4 bedrooms, sparkling pool with water feature, 3 car garage, granite in all the right places, huge laundry room, travertine floors with walk in decorative medallion and many more amenities, you'll have to see this one quick.

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1383 E Washington Avenue Gilbert, AZ 85234

$650,000

4 Beds

3 Baths

2,050 SqFt

Status Active

MLS # 6772748

Property Type Single Family Residence

Price Type --

Welcome to your new Gilbert home on an AMAZING 11,138 sqft lot with a private pool. This 4 bedroom 3 full bathroom home has a first floor bedroom and full bath, formal dining room with gas fireplace, vaulted ceilings and a walkout balcony off the primary bedroom. The home had major updates done in 2023 including new AC and furnace, new roof, LVP flooring on the main level, quartz countertops in the kitchen, and new windows. Relax in the pool during our hot Arizona summers with a huge backyard that has endless possibilities to become an entertainers dream! This perfect location is close to downtown Gilbert and Freestone Park. This home has everything you're looking for with the lot size, pool, updates, and location!

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