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

12911 W Segovia Drive Litchfield Park, AZ 85340

$649,900

3 Beds

2.5 Baths

2,398 SqFt

Status Active

MLS # 6716226

Property Type Single Family Residence

Price Type --

BEAUTIFUL HOME WITH AMZAING FEATURES. INSIDE YOU'LL ENJOY A OPEN CONCEPT FLOOR PLAN, WITH WOOD FLOORING THAT BLENDS INTO THE KITCHEN WITH TRAVERTINE TITLE AND SILESTONE COUNTERTOPS. LARGE MASTER BEDROOM WITH WALK-IN CLOSET & A SEPARATE OFFICE AREA! HOME IS EQUPIED WITH 3 CAR GARAGES THAT IS NOT A TANDEM, SECURITY DOORS, (PAID IN FULL) SOLAR PANELS, COVERED PATIO IN BACK YARD WITH EXPANDABLE SHADES, POOL, JACUZZI, & 2 FRUIT BEARING TREES. CLOSE TO THE I-10, 101, WESTGATE ENTERTAINMENT DISCTRICT, AND LUKE AIRFORCE BASE. YOU'VE GOT TO COME SEE THIS HOME TODAY!!!

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1408 Vista Montana Road Unit 10 Sedona, AZ 86336

$649,900

3 Beds

2 Baths

2,000 SqFt

Status Active

MLS # 6732197

Property Type Townhouse

Price Type --

Location Location Location! Vista Montana is one of the most desirable subdivisions to live in due to accessibility to amenities yet is quiet & peaceful at the same time. This beautiful two-story home has an airy, open feel, with high ceilings & three outdoor spaces: back patio, front patio, & upstairs primary balcony. Home has ample parking with an oversized single car garage, an uncovered spot, plus right in front of garage. Popping into Whole Foods, ACE Hardware, Sky Rock for a cocktail to take in the lovely views, Airport Mesa for hiking, or up to Posse Grounds Park for mountain biking, hiking trails, the Dog Park, & events at the outdoor amphitheater has never been easier or faster. This well-maintained subdivision has a community pool and clubhouse in addition to friendly neighbors. There are amazing sunsets from the living room window, upstairs primary balcony and upstairs guest/office window that look to the west.

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16036 W Sandia Park Drive Surprise, AZ 85374

$649,900

2 Beds

2 Baths

2,273 SqFt

Status Active

MLS # 6733325

Property Type Single Family Residence

Price Type --

Beautifully remodeled Windrose model with too many updates to list here. Triple garage and large fenced yard. Very modern colors with floating custom media wall. Vinyl flooring, granite counter tops, newer Stainless appliances, under cabinet kitchen lighting, inside laundry, pavers and cool decking on the back patio and fenced front courtyard. HVAC system replaced in 2018. Outside painted recently; newer PVC irrigation with drip system and new control box. Newer sinks, lighting and painted cabinets throughout - plus so much more.

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115 E Amaranth Drive Wickenburg, AZ 85390

$649,900

3 Beds

3 Baths

2,099 SqFt

Status Active

MLS # 6748927

Property Type Single Family Residence

Price Type --

A must see 2099 sq. ft ONE OWNER CUSTOM-built home with IRREPLACEABLE VIEWS situated on 4.8 acres!! The ''heart of the home'' boasts a double stainless oven, granite countertops, and expansive custom cabinets and even a pass-through window to serve those cold drinks to the sprawling backyard. The covered patio, mature desert landscaping, citrus trees and a stucco pony wall surround the back yard providing a perfect vantage point for sharing the spectacular views! The oversized garage includes MORE STORAGE cabinets. Thoughtful upgrades continue with vaulted ceilings, expansive picture windows, cozy wood stove, and TWO separate HVAC units with separate thermostats. Enjoy the WELL water, BONUS detached workshop featuring many built-in workbenches and plenty of hobby space.

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9565 W Marco Polo Road Peoria, AZ 85382

$649,900

2 Beds

2.5 Baths

2,339 SqFt

Status Active

MLS # 6755401

Property Type Single Family Residence

Price Type --

MILLION DOLLAR VIEW!! Elevated Golf Course Lot W/ Stunning Water Views Within Ironwood Estates At Westbrook Village.Kitchen Boasts Newer Cabinets W/Pull Out Drawers,Granite Counters,SS Appliances Including Gas Cooktop,Double Pantry W/Pull Outs.Kitchen And Primary Bedroom Have Bay Windows.2 Bedroom, 2.5 Baths. Guest Bedroom Is Used As An Office W/ Murphy Bed.Primary Bath Has 2 Sinks, Private Toilet Area, Granite Counters And A Huge Walk-In Shower! Both Baths Have Been Remodeled. Extended Covered Patio W/ Saltillo Tile, Built-In BBQ,Surround Sound,Ceiling Fans And Roll Down Screens! Plantation Shutters Through-Out! Kool Decking In Front Courtyard As Well As Sidewalk Leading To Back Covered Patio.Kool Deck Parking Pad Behind Lg Side Gate.HVAC 2023 And Roof 2017. Wrought Iron Fence Out Back!

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11910 E Amanda Road Gold Canyon, AZ 85118

$649,900

3 Beds

2 Baths

1,987 SqFt

Status Active

MLS # 6753721

Property Type Single Family Residence

Price Type --

A MUST SEE Home in Gold Canyon. Photos don't do justice to this charming 3 bedroom 2 bathroom newer home located in Gold Canyon. Enjoy your time on the front patio morning or night. Inside you will find the 2 additional bedrooms (one with murphy bed) to the right and office to the left. Continuing, the beautiful tile floor leads you into a spacious entertainers kitchen. Kitchen features stainless steel appliances, wall ovens, quartz counter tops, island and dark cabinets. Kitchen opens up to family room which has stunning views. Main bedroom is located off of the family room in the back of the house. Backyard features artificial turf, easy to maintain landscaping and a great space to host!

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24275 N 160th Avenue Surprise, AZ 85387

$649,900

5 Beds

4.5 Baths

3,444 SqFt

Status Active

MLS # 6764923

Property Type Single Family Residence

Price Type --

MOVE IN READY, BRIGHT GREAT ROOM PLAN , QUICK CLOSE!! 5 BEDROOM PLUS LOFT, 4.5 BATH , 3 CAR GARAGE 9'CEILINGS, GOURMET KITCHEN LAYOUT, UPGRADE CABINETS , QUARTEZ KITCHEN TOPS, SPA SHOWER IN MASTER BATH, LUXURY VINYL FLOORING. 2'WHITE BLINDS, CEILING FANS, FRONT YARD LANSCAPING COMPLETED, ENERGY STAR QUALIFIED HOME, INDOOR AIR PLUS. A SHORT DISTANCE FROM THE COMMUNITY POOL AREA, PICNIC AREA, TOT LOTS, BASKETBALL, PICKLE BALL COURTSAND SO MUCH MORE.

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2120 N Whitetail Way Flagstaff, AZ 86004

$649,900

3 Beds

2 Baths

1,518 SqFt

Status Active

MLS # 6770003

Property Type Townhouse

Price Type --

Welcome to this rare 3 bedroom, 2 bath single level townhome in the beautiful pines in Continental Country Club. Enjoy the open floorplan, tongue and groove cathedral ceilings, stone, wood burning fireplace, covered deck in the trees and 2 car garage on a quiet, private cul-de-sac. Relax with your morning coffee or evening bevvies listening to the sounds of birds and the breeze in the pines. Bring the kids and grandkids to Bear Paw, only a minute away, for mini golf, swimming and more. Or, play golf and pickleball to your heart's content at Continental Country Club and enjoy family, friends and great food at the Oakmont. Single level, 2 car garage, quiet location, close to everything you want to enjoy - it checks all of your boxes! Furnishings available! (30 day minimun for rentals.)

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8301 W Escuda Drive Peoria, AZ 85382

$649,900

3 Beds

2 Baths

2,307 SqFt

Status Active

MLS # 6772531

Property Type Single Family Residence

Price Type --

This gorgeous single-level home in a peaceful cul-de-sac is the one for you! Enter through the custom double doors to find a living room that beckons you to unwind and a formal dining room ready to hold special occasions. The kitchen is equipped with built-in appliances, granite counters, a center island, a breakfast bar, and a breakfast nook perfect for casual dining. The primary bedroom boasts direct outdoor access, an ensuite with dual sinks, a walk-in shower, and a huge closet. Venture outside to discover a sizeable low-maintenance backyard with a covered patio, hot tub, and a refreshing pool. This community includes restaurants, AWARD WINNING golf courses, Activity Center, library, pickleball courts and exercise facility to name a few. Join some clubs and watch your calendar fill up!

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453 W Thompson Place Chandler, AZ 85286

New

$649,900

4 Beds

2 Baths

2,004 SqFt

Status Active

MLS # 6773918

Property Type Single Family Residence

Price Type --

Welcome to this stunning north/south-facing 4-bedroom, 2-bathroom home with a light, bright, and open layout. Enjoy saving on energy bills with OWNED SOLAR PANELS installed 2022. The home features vaulted ceilings and offers a spacious dine-in kitchen with a breakfast bar and new oven, range, dishwasher, microwave, and garbage disposal. Enjoy the family room with a fireplace, ideal for gatherings. The home has been freshly painted inside and out, with new carpeting, new full-size tower washer/dryer, and updated water heater (2023). The backyard is an entertainer's paradise with custom pool with rock waterfall, custom mural, new pool decking, and a pool shed with pool fencing and pool net cover. You'll love the new turf and PVC drip irrigation system (2020), keeping the yard pristine year-round. Plus, there's a dog run for your pets! Additional upgrades include garage cabinets, plantation shutters throughout, and digital door locks. Move-in ready with peace of mind thanks to the OWNED SOLAR PANELS, updated water heater, and new appliances.

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5028 Spring Garden Lane Prescott, AZ 86301

$649,900

3 Beds

3 Baths

1,845 SqFt

Status Active

MLS # 6776000

Property Type Single Family Residence

Price Type --

Nestled in the peaceful community of Walden Ranch, this home blends modern comfort with timeless elegance. The low-maintenance stucco exterior and tile roof reflect quality, while the oversized paver driveways and walkways wrap around the property, adding charm. Brick accents, exterior shutters, and board-and-batten details enhance the home's curb appeal. Inside, an open-concept, split-bedroom floor plan greets you with a spacious great room. The kitchen features newly refurbished white cabinetry, quartz counts, center island, and pendant lighting. GE appliances, including a 5-burner gas range and microwave, complete the kitchen, while the adjacent dining area is bathed in natural light from the large windows and a 9-ft slider that leads to the back patio. The master suite offers raised-height dual vanities, a walk-in shower with a built-in seat, and ample closet space. A private door opens to the back patio, where you can enjoy scenic views. Two guest bedrooms come with ceiling fans, and the front bedroom was extended during construction. The first guest bathroom includes a raised-height vanity and a full tub with a shower. The large laundry room, equipped with upper cabinetry and a hanging bar, doubles as a mudroom. With 10-ft ceilings and 8-ft doors throughout, the home feels spacious and open. New luxury wood-look vinyl flooring runs through most of the home, with wood laminate in the bedrooms, offering a carpet-free environment. The expanded, covered back patio overlooks a fully fenced backyard with no neighbors to the east, providing extra privacy. The HOA's deeded open space adds to the tranquility, with views of the Granite Dells and Constellation Trailhead. A storage shed in the side yard and a 3-car tandem garage with smart features, a utility sink, and plenty of natural light complete this thoughtfully designed home.

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15045 N 20th Place Phoenix, AZ 85022

$649,900

3 Beds

2 Baths

1,537 SqFt

Status Active

MLS # 6776568

Property Type Single Family Residence

Price Type --

welcome to this gem in the desert overlooking the city with stunning mountain views. rare remodeled from top to bottom and professionally designed home with attention to detail. home is also available for rent or lease purchase. owner agent with fast answers.

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