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

7244 E Olla Avenue Mesa, AZ 85212

$665,000

4 Beds

2.5 Baths

2,913 SqFt

Status Active

MLS # 6766648

Property Type Single Family Residence

Price Type --

This inviting 4-bedroom, 3-bathroom, 2-story home is nestled in a sought-after community and offers an impressive 2,913 sq ft of spacious living. The home features a family room and loft, with sleek wood-like tile flooring throughout. High ceilings and huge windows makes the home airy and bright. The kitchen is equipped with a pantry, granite countertops, elegant wood cabinets, and an eat-in area, perfect for everyday meals and entertaining. Step outside to the covered patio, where you'll find a low-maintenance backyard with a sparkling huge salt water pool, pavers, and artificial grass. The community offers walking paths, a playground, and more, making this home a fantastic place to cultivate your dream home!

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4083 S San Carlos Drive Globe, AZ 85501

$665,000

4 Beds

4 Baths

3,934 SqFt

Status Active

MLS # 6771870

Property Type Single Family Residence

Price Type --

This immaculate 4 bedroom 3 1/2 bath home sits on almost two acres with spectacular 360 views. There is plenty of space for entertaining in the formal living room, den with a wood burning fireplace, bonus room and formal dining room. Enjoy the beautiful manicured yard with mature fruit trees and relaxing outdoor patio. This home brings the outside in with three atriums and skylights throughout the house. The stainless steel appliances in the kitchen are newer and both heating/cooling units have been replaced in the last 6 months. There are double pane windows throughout the house for natural light and energy efficiency. Every inch of this elegant home has been lovingly maintained. Seller is offering an $8000 flooring allowance to buyer

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6928 N Citrus Road Waddell, AZ 85355

$665,000

4 Beds

2.5 Baths

2,200 SqFt

Status Active

MLS # 6678917

Property Type Single Family Residence

Price Type --

Motivated Sellers! New interior and exterior paint and all new carpet throughout the home. This dream home is nestled on 1.24 acres of serene landscape with breathtaking mountain views. This move-in ready residence boasts a spacious great room, perfect for entertaining or cozy nights by the fireplace. The expansive primary bedroom provides a peaceful retreat, while the meticulously landscaped front and back yards offer lush greenery and ample space for outdoor enjoyment or making the perfect home for your horses. Don't miss the opportunity to make this picturesque oasis your own and prepare to fall in love with your new home.

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10538 W Quail Avenue Peoria, AZ 85382

Open House

$665,000

4 Beds

3 Baths

2,021 SqFt

Status Active

MLS # 6767382

Property Type Single Family Residence

Price Type --

Step into this HIGHLY UPGRADED ever popular layout in the blossoming Camino A Lago neighborhood! From the moment you enter, you'll feel right at home with the light and inviting open-concept floor plan, featuring spacious living and dining areas perfect for both relaxing and entertaining. The beautifully designed kitchen features soft-close shaker cabinets, gourmet stainless appliances with gas cooktop & double wall oven/micro, walk in pantry with custom floor-to-ceiling shelving, & expansive island with gleaming quartz countertops, designer backsplash & pendant lights. The generous primary bedroom offers a peaceful retreat with dual sinks, large spa-worthy shower, & dreamy custom designed walk-in closet system. The secondary bedrooms are pristine & include nicely sized closets & ceiling fans w/lights. Additional features include wood-like tile throughout, plantation shutters and remote-controlled blinds, recessed lighting, added laundry cabinets, 3-way thermostat, & Smart Home technology. Enjoy the peaceful, low maintenance backyard with extended pavers and artificial grass. Nice 3-car garage with epoxy flooring, NEMA 14-50/40 amp 240V EV outlet, tankless gas water heater, water softener and room for storage. Excellent Peoria location with many shopping options & top-rated A+ schools, plus community walking/ biking trails, greenspace, and playground. Don't miss out on this gorgeous home!

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1653 S Navajo Way Chandler, AZ 85286

Open House

$665,000

4 Beds

3 Baths

2,321 SqFt

Status Active

MLS # 6748523

Property Type Single Family Residence

Price Type --

Beautiful, well cared for home located in a highly desired Chandler community, near Intel and just minutes away from 202 and 101 Highways. In district for Top Rated Chandler Unified School District schools. The home sits on HUGE lot (9,927sqft) & has newly refinished pool and deck (2017) w/ gorgeous waterfall, green grass, & trees to provide shade. Front yard has mature Chinese Elm tree that adds greenery & shade to the low maintenance, desert landscaped front yard. Inside is a upgraded split floor plan. Master bedroom has walk in closet, separate shower & tub, and dual sinks. Great sized bedrooms, one offering a convenient en suite. Tile throughout except carpet in bedrooms. Open floor plan, large kitchen with Island and granite tile countertops. MANY IMPROVEMENTS recently done. Pool Remodel with new pool filter, pool deck and additional concrete 2017, Window Shade screens 2018, New Carrier 16 SEER 5 ton A/C with new duct work and additional return 2018, b-Hyve Irrigation timer 2019, Replace DE Pool Filters 2021, New Garage Doors 2020, Exterior paint 2021, New Rheem hot water heater 2022, New dishwasher & microwave 2023, BRAND NEW ROOF (entire roof with transferrable 10 year warranty) 2024

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844 W Flatiron Trail Apache Junction, AZ 85120

$664,990

4 Beds

3 Baths

2,833 SqFt

Status Active

MLS # 6750737

Property Type Single Family Residence

Price Type --

Up to 3% of base price or total purchase price, whichever is less, is available through preferred lender plus additional 2% of base price or total purchase price, whichever is less, is available to be used toward closing costs, pre-paids, rate buy downs, and/or price adjustments. The Ravenna floor plan features a stylish single-story layout with four bedrooms and a versatile flex space, perfect for an office, TV room, or study. Complete with front yard landscaping, this home will be ready for occupancy by October. Ideally located near community parks, grocery stores, and dining options.

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22730 E Roundup Way Queen Creek, AZ 85142

$664,990

4 Beds

3.5 Baths

2,623 SqFt

Status Active

MLS # 6751475

Property Type Single Family Residence

Price Type --

This 2,623 sq ft single-story Jade plan features 4 bedrooms, 3.5 baths, and an expansive great room with a 4-panel sliding glass door. The kitchen is a chef's delight with a gourment kitchen, Hana Sky Quartz countertops, and white 42'' shaker cabinets. Enjoy modern finishes like wood plank tile floors in the living areas, upgraded carpet in bedrooms, and stylish mixed metal accents with black and gold touches. The primary bathroom features designer flooring and a tiled shower. The home also features 10' ceilings, 8' doors, a double gate, & a tankless water heater. Marquis at Mader offers a pool, spa, pickleball, bocce ball, basketball, playgrounds, and easy access to Frontier Family Park.

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3249 W Via Dona Road Phoenix, AZ 85083

$664,990

4 Beds

3 Baths

2,274 SqFt

Status Active

MLS # 6771876

Property Type Single Family Residence

Price Type --

Ask about special financing with preferred lender! This single-story home is host to a generous open floorplan where the Great Room, kitchen and dining room seamlessly connect and sliding glass doors offer direct access to the covered patio for indoor-outdoor living. An additional, versatile living space is located off the foyer, while four bedrooms offer enough room for the whole family. Photos are renderings of a model home, not the actual home. A public report is available on the Arizona Department of Real Estate website.

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42205 N Golden Trail San Tan Valley, AZ 85140

Open House

$664,990

4 Beds

3 Baths

2,513 SqFt

Status Active

MLS # 6709618

Property Type Single Family Residence

Price Type --

Nearly complete and ready for a QUICK Move-in!!! - Welcome to Edgewood Estates located in the convenient Queen Creek Corridor. This Belfast plan home includes our Extra Suite Plus with private entrance, ideal for multigenerational living or guests. The focus of the home is the large great room with a 12' sliding glass door and stunning kitchen with Loft inspired interior selections including grey cabinets accented with open shelving and upgraded Bosch stainless-steel appliances. A split floorplan makes the Primary Suite is a private oasis accented with a spa-like bath. Solar prewire and an EV charger outlet in the garage included making it a Department of Energy ''Zero Energy Ready Home' certified. Up to 6% of Base Price can be applied towards closing cost and/or short-long term interest rate buydowns when choosing our preferred Lender. Additional eligibility and limited time restrictions apply.

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15270 E Countryside Road Mayer, AZ 86333

$664,900

3 Beds

3 Baths

2,437 SqFt

Status Active

MLS # 6781865

Property Type Single Family Residence

Price Type --

Welcome to this stunning Santa Fe-style home set in the gated community of Bensch Ranch, where impressive mountain views and contemporary design come together. Enjoy main-level living with the added versatility of a walk-out basement, all within a spacious, upgraded home. Upon entering, you're greeted by an open floor plan, anchored by beautiful tile flooring that flows through the main level. The living room is an inviting space, boasting a wall of windows on two sides that frame the picturesque views, creating a stunning backdrop for gatherings. Cozy up by the fireplace on cooler evenings or simply relax while soaking in the natural beauty just beyond the glass. The kitchen features stainless steel appliances, gleaming quartz counters, & high-quality solid wood knotty hickory cabinets. Retreat to the primary bedroom, where a rain glass double-door entry, bay windows, and an elegantly appointed ensuite await. The ensuite bathroom is complete with double vanities, a luxurious jetted tub, and a separate walk-in shower. The main level also includes a secondary bedroom, a full bathroom, a convenient laundry room, ample storage, access to a spacious 3-car garage, and direct access to the oversized Trex viewing decka perfect spot to unwind while enjoying unobstructed mountain views. The lower level provides even more space for relaxation or entertainment, featuring a family room with walk-out access to a covered patio, a third bedroom, and an additional bathroom. Outside, this 3/4-acre property includes access to community amenities, such as a clubhouse with a pool, fitness center, and backs up to dedicated HOA space. With this property only being 4 miles west of I-17 off HWY 69, this serene retreat offers mild seasons and convenient access to popular retreats across Arizona. 1 hour from Sedona, 1 hour from Phoenix, less than 1 ½ hours from Flagstaff, this home is truly the ideal blend of comfort, style, and convenience.

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8180 E Shea Boulevard Unit 1038 Scottsdale, AZ 85260

$664,900

2 Beds

2.5 Baths

1,733 SqFt

Status Active

MLS # 6718983

Property Type Townhouse

Price Type --

This beautifully updated 2-bedroom, 2.5-bathroom condo in the heart of Scottsdale is available fully furnished. The open-concept living and dining area, enhanced by natural light and a cozy fireplace, creates a warm and inviting atmosphere. The updated kitchen boasts granite countertops, new stainless steel appliances, and ample cabinet space, perfect for cooking at home. The luxurious master suite features a walk-in closet and an en-suite bathroom with a dual-sink vanity, and a nicely updated walk-in shower. The community offers a pool with a covered area. Located just minutes from Loop 101, this home provides easy access to top shopping, dining, and entertainment, as well as top-rated schools and parks. W With 1,733 sq. ft. of living space, a direct-entry 2-car garage, and bedrooms both upstairs and downstairs, this unit is perfect as a second home or for someone seeking low-maintenance living.

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22611 N 70th Drive Glendale, AZ 85310

$664,900

4 Beds

2 Baths

2,066 SqFt

Status Active Under Contract

MLS # 6768445

Property Type Single Family Residence

Price Type --

$20,000 PRICE REDUCTION from original price. Come & See this GORGEOUS, MODEL SHARP, BEAUTIFULLY UPDATED & REMODELED (over $112K, see photo #2), 4 bed 2 bath single level home on cul de sac w/ RV Gate & 3-car garage in Hillcrest Ranch. Elegant kitchen w/ quartz counters, white cabinets w/ hardware, SS appliances, breakfast-bar island & spacious eat-in kitchen that overlooks back yard. Soaring vaulted ceilings, open, bright, & neutral throughout with NEW windows, NEW Roof (underlayment & tiles), plantation shutters, exterior doors, exterior paint & more. Primary suite w/ exit overlooks back yard, remodeled bathroom, & walk-in closet. Enjoy your spacious back yard w/ sparkling pebble tec pool & REAL grass-NEW SOD added. Close to restaurants, shopping, & 101 freeway access. SEE FEATURES DOC!

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