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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2280 E Snowflake Drive Pinetop-lakeside, AZ 85929

$665,000

3 Beds

3 Baths

1,828 SqFt

Status Active

MLS # 6738835

Property Type Single Family Residence

Price Type --

Welcome to this beautiful cabin home located in the prestigious gated community of Pineridge Estates in Pinetop.This home is located on a nice lot with great curb appeal. This home has been gently used as a second home . Once you enter the door, you will be greeted by the open floorplan and vaulted ceilings.The kitchen has plenty of cabinets and counter space for all of your dining needs. A dedicated dining area to host your guests and family. The large family room with vaulted ceilings and a gas fireplace with stone from floor to ceiling is an eye catcher and will be the focal point of this space. Upstairs is the the primary bedroom and two secondary bedrooms. The primary has its own combination tub/shower and walk in closet. The two secondary bedrooms also offer a loft which has been a fun area for kids to hang out in and have as a fort. There is a large loft that adds so much extra living space to the home. This is a great place to cozy up on the couch and watch movies while enjoying the views of all the surrounding windows.Enjoy the scenery from your back and front patio..many relaxing evenings enjoyed sitting and watching the sunsets. This home is located in close proximity to town and wonderful shops and restaurants. The home is 30 minutes from Sunrise Ski Resort and many lakes located in the area. This home has been recently painted on the exterior....offers two hot water heaters for much hot water needs. It is hard to find a home with 3 bedrooms and 3 bathrooms with a loft in a community such as Pineridge Estates.

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23120 W Skinner Road Wittmann, AZ 85361

$665,000

5 Beds

2 Baths

2,451 SqFt

Status Active

MLS # 6757949

Property Type Single Family Residence

Price Type --

Beautiful new home on 1.4 acres with 5 bedrooms and an extended 3 car garage! NO HOA! Only a short drive to Surprise and Wickenburg. It has designer touches throughout including quartz countertops, soft close cabinets, under cabinet lighting, stainless steel appliances, tiled backsplash, large center island, walk-in pantry, and range hood. Perfect for entertaining w/ eat-in kitchen, breakfast bar, dining room off the great room, large sliding glass door, 10' ceilings 8' doors. Split floor plan master bedroom has 2 walk-in closets, a large tiled shower w/ double sinks and an exit to the patio.

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23154 W Skinner Road Wittmann, AZ 85361

$665,000

5 Beds

2 Baths

2,451 SqFt

Status Active

MLS # 6772973

Property Type Single Family Residence

Price Type --

Beautiful new home with No HOA! On a fenced acre 5 bedrooms and an extended 3 car garage! Quick drive to Surprise and Wickenburg. It has designer touches throughout including quartz countertops, soft close cabinets, under cabinet lighting, stainless steel appliances, tiled backsplash, large center island, walk-in pantry, and range hood. Perfect for entertaining w/ eat-in kitchen, breakfast bar, dining room off the great room, large sliding glass door, 10' ceilings 8' doors. Split floor plan master bedroom has 2 walk-in closets, a large tiled shower w/ double sinks and an exit to the patio.

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14036 E Barbie Lane Scottsdale, AZ 85262

$665,000

4 Beds

3 Baths

2,446 SqFt

Status Active

MLS # 6712488

Property Type Single Family Residence

Price Type --

This Desert Charmer in Scottsdale. This 1 acre horse property is ideal for outdoor living & recreational enthusiasts, We have water access to epcor!!! This home has stunning sunsets & mountain views. This 4 bed/3 bath home is open, bright & very spacious. Large kitchen & breakfast room are open to family room. Room for a horse set up on the west side of the home. The perfect balance between wilderness & city living, w/near by access to hundreds of miles of hiking/horse trails, while still being close to fine dining & shopping. Best of all NO HOA.

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6346 W Hackamore Drive Phoenix, AZ 85083

$665,000

3 Beds

2 Baths

2,152 SqFt

Status Active

MLS # 6687811

Property Type Single Family Residence

Price Type --

This home is well suited for anyone seeking a primary residence. Enjoy homeownership without the hassle of dealing with banks. Property Features: • Beautifully remodeled single-level home in a fantastic neighborhood • Upgraded kitchen and bathrooms with granite countertops • New black kitchen appliances • Fresh custom paint, new light fixtures and ceiling fans throughout • Vaulted ceilings and new blinds for added charm • Spacious den, perfect for a home office or entertainment area • Lush green landscaping with covered • 3 bedrooms, plus a large den, 2 full bathrooms

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2125 W Bromm Lane Wickenburg, AZ 85390

New

$665,000

3 Beds

3 Baths

2,147 SqFt

Status Active

MLS # 6787553

Property Type Single Family Residence

Price Type --

This bright and cheery custom home offers the perfect blend of privacy and convenience. Situated on a corner lot just shy of an acre, it features a thoughtfully designed open floor plan with vaulted ceilings and large picture windows that flood the home with natural light. The home boasts tile floors, elegant granite countertops, 3 full bathrooms, and a versatile bonus room with its own private entrance. Every room in the house is equipped with sliding doors, allowing easy access to extensive covered patios where you can enjoy the beautifully designed desert landscape and rock features. With no HOA fees, low maintenance, and a charming neighborhood, this is the perfect Arizona LOCATION. The spacious 3-car garage offers plenty of storage. Potential for an RV garage, casita, AND pool!

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10447 W Appaloosa Trail Casa Grande, AZ 85194

$665,000

4 Beds

3 Baths

2,190 SqFt

Status Active

MLS # 6750324

Property Type Single Family Residence

Price Type --

The search is finally over! This stunning corner lot horse property is set on a sprawling 1-acre lot! The property features a spacious RV garage, a paver driveway, a charming brick trim, majestic mountain views, and a welcoming front patio. Inside, the great room showcases a cool palette, recessed lighting, and stylish wood-look flooring. The delightful kitchen boasts granite counters, abundant wood cabinetry with crown moulding, chic pendant lighting, stainless steel appliances, a handy pantry, and an island with a breakfast bar. The main bedroom offers plush carpeting, direct backyard access, an ensuite with dual sinks, and a walk-in closet. Venture outside to enjoy breathtaking sunsets in the expansive backyard, complete with a covered patio for al fresco dining, lush natural turf, and endless possibilities to create your dream oasis or equestrian facilities. This gem will sell fast!

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20121 N 76th Street Unit 1014 Scottsdale, AZ 85255

$665,000

3 Beds

2 Baths

1,585 SqFt

Status Active

MLS # 6760104

Property Type Townhouse

Price Type --

Beautifully updated ground-floor condo located in the gated community of Vintage at Grayhawk! This move-in ready, single-level home is filled with natural light and offers an open floor plan. The living room has a cozy fireplace and easy access to the private patio. The remodeled kitchen is a chef's dream, featuring granite countertops, a farmhouse sink, refinished cabinets, and stainless-steel appliances. They primary suite includes dual sinks, granite countertops, an oversized seamless glass shower, as well as a spacious walk-in closet designed by California Closets. The guest bathroom has also been stylishly updated. Additional highlights include all closets designed by California Closets, whole house surge protector, two-car garage and a prime location within the complex offering quick access to resort-style amenities such as a community pool, spa, BBQ area, and workout facility. Conveniently located near Scottsdale's top shopping, dining, hiking, golf, and more!

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15469 W Corrine Drive Surprise, AZ 85379

$665,000

4 Beds

2.5 Baths

2,990 SqFt

Status Active

MLS # 6764060

Property Type Single Family Residence

Price Type --

Beautiful home in the sought-after community of Marley Park! The photographer asked if the home was staged!!! No, the current owners just have great taste! OWNED SOLAR will save you a lot of money. 10K in concessions with a full price offer! New pool and above ground hot tub with no neighbors behind the home. The kitchen is very tasteful and functional. Large walk-in pantry and a large laundry room off the kitchen. DOWNSTAIRS master bedroom is huge. Look for the unique features when you tour the home like the dog kennel under the stairs and the built-in bunk beds in the 4th bedroom. Custom touches with built-in cabinets in the den and loft and trimmed-out windows give the home an upscale feel. Front yard was just updated with new landscaping and new drip system. Not in photos.

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1463 E Warbler Road Gilbert, AZ 85297

$665,000

3 Beds

2.5 Baths

2,295 SqFt

Status Active

MLS # 6765729

Property Type Single Family Residence

Price Type --

Impeccably maintained 3-bedroom, 2.5-bath home PLUS an office in a premier location in Gilbert! The chef's kitchen boasts 2 full-size ovens, convection oven, staggered walnut cabinets, walk-in pantry, and large island. Split floor plan ensures privacy with oversized bedrooms and a primary suite featuring dual vanities, soaking tub, shower, and walk-in closet. There is no lack of storage w/ an extra storage room available in the laundry room. The backyard is an oasis, w/lush fruit trees, herbs, & raised garden beds, all watered by a timed irrigation making this an easy maintained yard. Retractable awnings provide comfort and shade at any time of day. 3-car tandem garage w/ utility sink, overhead storage racks & two 50amp outlets. Close to top rated schools, restaurants & shopping.

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1488 W Sundance Lane Globe, AZ 85501

$665,000

2 Beds

2 Baths

1,684 SqFt

Status Active

MLS # 6770955

Property Type Single Family Residence

Price Type --

This charming 2 bed 2 bath home features a spacious 616 square ft detached garage and an additional heated and cooled building. Step outside onto the inviting patio, accessible from both bedrooms and the living room, and take in the breathtaking panoramic views from the fairgrounds to the pinals. The property also offers a shed on the upper lot and ample space for horse corrals or additional parking, providing endless possibilities for outdoor enthusiasts. Don't miss your chance to experience the regal allure of this hilltop retreat.

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7709 E Rancho Vista Drive Scottsdale, AZ 85251

$665,000

3 Beds

3 Baths

1,890 SqFt

Status Active

MLS # 6776496

Property Type Townhouse

Price Type --

In the heart of beautiful Scottsdale, this 55+ community, is lovely and well-kept. 3 BDRM 3 BA UNIT ON INTERIOR LOT-MSTR + BDRM downstairs. Welcome to Villa Monterey perfection. This exclusive unit boasts a completely modern, open layout with 3 full bedrooms and 3 full bathrooms with plantation blinds throughout. The downstairs master allows for privacy from guests. Recent upgrades include a new foam roof 2022, tile roof 2020, new HVAC 2023, high efficiency dual-pane windows and slider in 2022, Fully remodeled kitchen with all new stainless steel appliances 2023 and new R/O 2022. The backyard has a large, covered patio and plenty of space for entertaining. The beautiful community Ramada and pool features many activities scheduled throughout the year. Located on the most pristine street in the community, the yard features views of Camelback Mountain and Arizona sunsets. Minutes away from Fashion Square, Old Town, art galleries, restaurants and more. This is your opportunity to own such a coveted home, authentic Sonoran luxury.

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