4 Things You Absolutely Should Not Do After You Apply for a Mortgage

4 Things You Absolutely Should Not Do After You Apply for a MortgageIf 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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1957 W Fawn Way San Tan Valley, AZ 85144

$649,999
4 Beds
3 Baths
2,252 SqFt
Status Active
MLS # 6763536
Property Type Single Family Residence
Price Type --
Welcome to your dream oasis at 1957 W Fawn Way. This beautifully maintained 4-bedroom, 3-bathroom home offers the perfect blend of comfort and style. As you step inside, you'll be greeted by a spacious open floor plan filled with natural light, ideal for both family gatherings and entertaining friends. The modern kitchen features stainless steel appliances, ample counter space, and a convenient breakfast bar. Retreat to the luxurious primary suite, complete with an en-suite bathroom and walk-in closet, while the additional three bedrooms provide plenty of space for family or guests. Outside, you'll find your very own private swimming pool, perfect for cooling off during hot summer days or hosting weekend barbecues. The beautifully landscaped yard offers a serene atmosphere and ample room for outdoor activities. Located in a friendly neighborhood with easy access to local amenities, parks, and schools, this home seamlessly combines convenience and tranquility. Don't miss your chance to make this slice of paradise your own!

11865 N 143rd Avenue Surprise, AZ 85379

$649,999
5 Beds
3.5 Baths
3,886 SqFt
Status Active
MLS # 6770462
Property Type Single Family Residence
Price Type --
MAGNIFICENT 5 BED/3.5 BATH/4 CAR DRIVE-THROUGH GARAGE LOCATED IN A GATED COMMUNITY: COPPER CANYON RANCH. Furniture can convey. Includes an additional den/office and bonus room. Situated on an oversized lot this home is loaded with custom features. Gently lived in, tastefully decorated, looks and shows like a model home. Custom cherry kitchen cabinets. Granite counter tops,double ovens,butlers pantry. Huge open floor plan with real wood flooring, 20 inch tile and plush thick carpeting. Outdoors is an entertainers featuring a large grass area and beautiful pool with custom water features. Heated negative edge spa with soothing therapy jets. This home is a 10....don't wait !!

26207 N 47th Place Phoenix, AZ 85050

$649,999
4 Beds
2.5 Baths
2,359 SqFt
Status Active
MLS # 6773215
Property Type Single Family Residence
Price Type --
Welcome home to gorgeous Tatum Highlands, located about 4 miles north of Desert Ridge Marketplace! Paradise Valley School District! This home has been maintained and cared for impeccably. Enjoy the views from the walk out balcony off the extra large primary bedroom. Beautiful bamboo wood and tile floors throughout! Laundry room is conveniently located upstairs on same level as the bedrooms! Beautiful double French Doors lead out to the backyard. No home behind you! This cul-de-sac home is ready to be YOUR HOME! A must see!

182 W Rosemary Drive Chandler, AZ 85248

$649,999
4 Beds
2 Baths
2,139 SqFt
Status Active
MLS # 6778047
Property Type Single Family Residence
Price Type --
Discover your dream home in Hamilton Heights! This stunning single-level residence features a brand-new 16 SEER AC system (2023), a beautiful kitchen w/ white cabinets, granite countertops, a spacious walk-in pantry, & stainless steel appliances. The primary suite offers a walk-in shower & is thoughtfully separated from the 3 additional bedrooms. Enjoy the expansive great room equipped w/surround sound, and the private den adorned with elegant frosted glass French doors. The home boasts tile flooring throughout most of the space & low-maintenance landscaping, including mature trees, an extended paver patio, & hassle-free artificial turf. Perfectly located within walking distance to the neighborhood park, this home also features a garage w/impressive built-in cabinets.

4247 E Cambridge Avenue Phoenix, AZ 85008

$649,999
3 Beds
2 Baths
1,692 SqFt
Status Active Under Contract
MLS # 6772289
Property Type Single Family Residence
Price Type --
Situated in the heart of Arcadia Lite, this 3 bedroom 2 bathroom home is minutes from some of Phoenix's best restaurants, shopping, and entertainment. Enjoy the vibrant local scene and quick access to major freeways, making commutes to downtown Phoenix or Scottsdale a breeze. The spacious living area features an open-concept design with an inviting layout that is perfect for both relaxing and entertaining. The modern kitchen boasts sleek granite countertops, a gas stove, and ample cabinetry. It's the ideal space for preparing meals and hosting gatherings with friends and family. Step outside to your private backyard with a covered patio, perfect for enjoying the Arizona sunshine. The spacious yard provides endless possibilities for gardening, entertaining, or creating your own outdoor retreat. Arcadia Lite is known for its tree-lined streets, charming homes, and vibrant community atmosphere. With easy access to local hotspots like LGO, Postino's, and other favorite Arcadia establishments, this neighborhood is perfect for those seeking a blend of suburban comfort and urban convenience. Buyers currently living in Maricopa or Pinal County ask about an ADDITIONAL $7,000 home buyer credit available via the Community Promise Program. Rate Relief Rebate Program: Benefit from a 2% seller credit to reduce your mortgage payments by Approximately $651/month in year 1 and $334/month in year 2. This exclusive offer makes homeownership more affordable now, while you await potential rate decreases.

2542 W Kit Carson Trail Anthem, AZ 85086

$649,999
5 Beds
2.5 Baths
2,968 SqFt
Status Active
MLS # 6711929
Property Type Single Family Residence
Price Type --
Offering $10,000 in Concessions to Assist Buyers With Rate BuyDown or Closing Costs. Welcome to your Dream Home at this stunning and spacious 2,968 square foot, coveted Victory model that offers an exceptional blend of beauty, functionality, and modern convenience -in the award-winning Master Planned Community of Anthem, with its 63-acre park, various sports fields and courts, fitness center, skate park and more - all included with your HOA! Perfectly positioned on a north/south facing lot, this home is designed to maximize natural light while minimizing heat exposure. Upon entering this gorgeous home, you'll be greeted by an expansive living space large enough for all to enjoy! The heart of the home, the kitchen, has been completely updated to meet the needs of the most discerning chef. It features sleek Corian countertops, custom cabinets, a large center island with seating, and stainless steel appliances. The pantry provides plenty of storage space, while the adjacent breakfast area offers the perfect spot for making memories around the table. This home boasts five spacious bedrooms, with the primary suite and a den conveniently located on the main floor. The primary bedroom is a true retreat, featuring a large walk-in closet, and an en-suite bathroom with dual sinks, a soaking tub, and a separate walk-in shower. The den, tucked away on the main floor, can easily be converted into a sixth bedroom, perfect for guests or multi-generational living. Upstairs, you'll find four generously sized bedrooms, each with ample closet space and large windows. Wait until you see the beautiful Castle like bedroom, fit for royalty! A full bathroom serves the upstairs bedrooms, making it convenient for family members and guests alike. The upstairs also features a dedicated tech center, ideal for remote work or homework. The backyard is a private paradise, perfect for both relaxation and recreation. The centerpiece is a sparkling pool, surrounded by beautiful landscaping and a spacious patio area. Whether you're hosting a summer barbecue or enjoying a quiet evening under the stars, this outdoor space has everything you need. Living in Anthem means enjoying access to a plethora of amenities and activities. The community has been recognized as the Best Master Planned Community and one of Phoenix Magazine's Best Family Friendly Neighborhoods and Best Master Planned Community for Children. Residents have access to over 15 miles of hiking and biking trails, offering endless opportunities for outdoor adventures. The Anthem Community Center is a hub of activity, featuring tennis courts, pickleball courts, other various fields/courts, multiple pools, a state-of-the-art fitness center, and much more. This home offers the perfect combination of luxurious living with modern amenities, and a vibrant community lifestyle. Don't miss the opportunity to make this beautiful house your new home! Additional Features: - Newer HVAC units ensure efficient climate control throughout the year at this beautiful North/South facing home. - A newer hot water heater. - Freshly painted interior - The three-car garage comes equipped with a charging station, ideal for electric vehicle owners.

1628 E Magellan Drive New River, AZ 85087

$649,999
3 Beds
2 Baths
1,978 SqFt
Status Active
MLS # 6683844
Property Type Single Family Residence
Price Type --
Motivated Seller! Will look at all offers. LIKE NEW home. Voted BEST VALUE by Desert Hills New River tour agents! All the updated features. Large kithchen, with center counter. White cabinets and granite countertops. Open great room with lots of windows for the mountain views. 3 bedrooms 2 bath spllit floorplan. The garage is a large oversized 2 car with a space for your tools. Full one acre for your enjoyment. Shared newer well, 2 party. Plus a new rear yard fence to be sure your animals are safe. Central vac. You won't want to miss this well maintained home!

5934 S Juniper Street Tempe, AZ 85283

$649,999
4 Beds
2 Baths
2,004 SqFt
Status Active
MLS # 6726731
Property Type Single Family Residence
Price Type --
A stunning single-family home located in the heart of Phoenix has 4-bed, 2-bath home has 2004 sqft, 2 car garage, sparkling pool & covered patio. Brand new Roof. You will be greeted by a bright & airy floor plan that's perfect for entertaining. The spacious living room features soaring ceilings, large windows that let in plenty of light, a cozy fireplace with beautifully decorative tile from floor to ceiling that's perfect for chilly nights. The kitchen comes with stainless steel appliances, quartz countertops & brand-new shaker cabinets. Brand new vinyl wood & carpet flooring throughout the home. Enjoy the fully upgraded, spa like bathrooms with high end shower system, framed mirrors, shower niche, & custom vanities. No HOA. Don't miss out!

7315 N 82nd Drive Glendale, AZ 85303

$649,999
5 Beds
3 Baths
2,629 SqFt
Status Active
MLS # 6761667
Property Type Single Family Residence
Price Type --
This spacious home is perfect for your family or as an investment property. Recently updated with a brand-new backyard, new irrigations system, wired ground lighting, beautiful grass lawn, new fencing to separate RV storage, from yard. Home has energy savings roll down security shades. Sparkling pool with a water fall feature, this property offers plenty of space and convenience. The HOA allows RVs, boats, and other toys, making it ideal for those with an adventurous spirit. Plus, the 3-car garage and HUGE RV gate offer over 80 feet of fenced storage for all your vehicles, trailers, and more. No credit qualifying options. See private remarks for more details.

6732 W Coles Road Laveen, AZ 85339

$649,999
4 Beds
3.5 Baths
2,819 SqFt
Status Active
MLS # 6775041
Property Type Single Family Residence
Price Type --
WELCOME HOME!! This house is a MUST SEE, it's like a model! Not only does this home have a great location but the seller has spared no expense on upgrades! Gorgeous wood look tile, chefs kitchen, touchless faucet, glass rinser, amazing light fixtures and an 80'' 3 sided electric fireplace. Surround sound in living room and outdoor patio speakers, plus ample storage throughout. Masters retreat is on first level with an unbelievable master closet and a gorgeous office. Three more beds located upstairs, one a with a complete on-suite bath and walk-in closet, there is also a large loft, perfect for the family to spread out and have their own space. There are no homes behind your new house for complete privacy and has amazing mountain views from the second story. The backyard is a complete blank slate for you to make into your own oasis. Seller has two sets of pool plans

1438 W Coral Reef Drive Gilbert, AZ 85233

$649,995
3 Beds
3 Baths
2,289 SqFt
Status Active
MLS # 6726941
Property Type Townhouse
Price Type --
PREMIUM WATERFRONT W/EXPANSIVE LAKESIDE VIEWS! One of the best lots; wth extended & private dock to enjoy breathtaking sunsets, evening boat cruises or morning kayak trips, fishing too, and steps from the community pool! Inside, dramatic soaring ceilings greet you. Kitchen w/updated cabinets, , stainless-steel appliances, RO system. Convenient half bath downstairs and under-stair storage. Your oversized main suite features multiple upgrades & Balcony w/ Lake views 2 other upstairs bedrooms have balconies, PLUS loft Acts as a perfect bonus room. ,2 new HVAC, . Abundant community amenities & events. Bike to Downtown Gilbert. COME LIVE THE SWEET LIFE

2567 N 195th Drive Buckeye, AZ 85396

$649,995
4 Beds
3 Baths
2,570 SqFt
Status Active
MLS # 6761230
Property Type Single Family Residence
Price Type --
The Former Celeste Model is for Sale. home across from the neighborhood park. This home includes many options such as: 10' ceilings w/tray ceilings at the entry & extended entry, Gourmet Kitchen with stainless steel GE appliances including a 36'' gas cooktop, hood, oven and microwave in the wall, quartz countertops, full kitchen backsplash, pendant lights over the kitchen island, walk-in pantry, center meet doors at the nook, deluxe primary bathroom #2 which has the oversized walk-in shower, walk-in closet in primary bathroom, pre-plumbed for sink in laundry room, pre-plumbed for water softener, tankless water heater, gas stub at the patio, service door in the garage, 8' garage door, pavers in the driveway, walkway and entry. Stop in to see this beautiful model home in person , walk-in closet in primary bathroom, pre-plumbed for sink in laundry room, pre-plumbed for water softener, tankless water heater, gas stub at the patio, service door in the garage, 8' garage door, pavers in the driveway, walkway and entry. Stop in to see

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