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

309 E Silver Creek Road Gilbert, AZ 85296

$649,500

4 Beds

2 Baths

2,362 SqFt

Status Active Under Contract

MLS # 6744237

Property Type Single Family Residence

Price Type --

Spacious and updated 4 bedroom, 2 bath cul-de-sac home on 1/3 of an acre lot near downtown Gilbert with a pool. This home was recently remodeled and walking distance to downtown Gilbert! Very spacious house and lot and has two RV gates, one with an electrical RV connection. Large backyard with mature trees, irrigated grass areas, and a pool. Proximity to the 60 and 202 makes any commuting easy. No HOA so bring your toys! This home had upgrades in 2022 that includes tile bathroom, new flooring, and paint throughout. Enjoy shady afternoons on the large back porch and private backyard.

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44529 N 44th Drive Phoenix, AZ 85087

Open House

$649,336

3 Beds

2.5 Baths

2,394 SqFt

Status Active

MLS # 6723522

Property Type Single Family Residence

Price Type --

New home ready for move in. Single-story Calrosa floorplan with Territorial style exterior. This open floor plan features three bedrooms plus a flex room that can serve as a home office, game room or sitting area. The owner's suite has a spacious walk-in closet and bathroom with two separate vanities, separate tub and tiled shower. The spacious kitchen features stainless steel wall oven with gas cooktop, and a large island with ample sitting space. The stylish cabinetry in a creamy white tone is complemented by upgraded quartz countertops and wood color plank tile. Great home with spacious sitting and socializing areas. Home warranty included.

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10015 W Verde Lane Avondale, AZ 85392

$649,250

5 Beds

3 Baths

2,654 SqFt

Status Active

MLS # 6748882

Property Type Single Family Residence

Price Type --

Find your dream home at Acclaim- Fulton Home's newest master planned community! The Seal Rock is an amazing home featuring 10' ceilings, 8' doors, gourmet kitchen and Atrium glass door to patio. Also included: 2'' faux wood blinds, ceiling fans, paver driveways and much more. Fulton homes are 'Zero Energy Ready' and include tankless water heaters, spray foam insulation, electric vehicle ready and pre plumbing for solar installation. Residents of this incredible community will enjoy an aquatic center with a community pool, basketball courts, pickle ball, sand volleyball, bocce ball, greenbelts and children's playgrounds. This home has an estimated completion date of Fall 2024. Buyer may be able to upgrade appliances at an additional cost.

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8442 S 22nd Street Phoenix, AZ 85042

$649,000

4 Beds

3 Baths

2,915 SqFt

Status Active

MLS # 6776403

Property Type Single Family Residence

Price Type --

Welcome to your stunning 4-bedroom, 3-bath home near South Mountain! Enter through a charming front courtyard into a spacious living area w/ soaring ceilings, elegant wood-look flooring, and a captivating stone fireplace. The chef's kitchen features wood cabinetry, luxurious granite countertops, stainless steel appliances, and convenient breakfast bar island. The first-floor primary bedroom offers private outdoor access and a spa-like ensuite with dual sinks and a garden tub. Enjoy breathtaking views from multiple balconies. The air-conditioned 2nd garage is perfect for a workshop or future casita & includes a hidden wall safe. Nearby access to the Mormon Trailhead for outdoor adventures and close proximity to Phoenix amenities, this home perfectly blends comfort, luxury & adventure. Continue upstairs and into the cozy loft w/balcony access, where you can spend a relaxing Sunday afternoon! Secondary bedrooms all come w/plush carpet for added comfort! Lastly, the lovely backyard includes a covered patio, lush natural turf, and a seating area w/a pergola! Your new home is waiting for you, hurry and act now!

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22909 N Las Positas Drive Sun City West, AZ 85375

$649,000

2 Beds

2 Baths

1,837 SqFt

Status Active

MLS # 6776318

Property Type Single Family Residence

Price Type --

Discover luxurious living in this exquisite 2 bedroom, 2 bathroom + Den home, perfectly positioned within the exclusive Corte Bella Country Club. Offering privacy and elegance, this San Ysidro model spans 1,837 sq ft and is ideally situated with breathtaking views of the 13th fairway and green. The home features a redesigned kitchen with white cabinetry, designer backsplash, upgraded countertops, and a full stainless steel appliance package. Recent upgrades include a 2022 new A/C unit, a 2018 water heater, and a 2023 irrigation system overhaul. Enjoy a resort-style backyard providing a private escape with extended patios, multiple entertaining areas, fresh gravel, 2020 misters, and a newer BBQ Bar Top. Perfect for relaxing enjoying the views or hosting lively gatherings. The custom media wall with a fireplace and the den wall changed with entrance off the hallway enhance this home's charm and functionality, especially with den having its own private exit to patios. Secure your piece of paradise in this gated community, renowned for its seclusion and refined living. Don't miss out on this popular San Ysidro model with golf views from almost every room, a gem for those seeking luxury and comfort.

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13600 N Fountain Hills Boulevard Unit 903 Fountain Hills, AZ 85268

$649,000

3 Beds

3 Baths

2,196 SqFt

Status Active

MLS # 6699821

Property Type Townhouse

Price Type --

Welcome to your dream home nestled in the gated community of La Strada, offering not just a residence, but a lifestyle. This meticulously crafted abode boasts 3 bedrooms and 3 bathrooms spread across a spacious 2196 square feet. Upon entering, you'll be greeted by breathtaking mountain views that serve as the backdrop to your everyday life. The home exudes elegance and modernity with remodeled bathrooms and kitchen featuring updated cabinets, luxurious Quartz countertops and no-fingerprint stainless steel appliances that elevate your culinary experience. The 2-car epoxy floor garage not only provides ample space for your vehicles but also offers convenient storage solutions. Inside, the living space is adorned with updated flooring and an inviting electric fireplace, perfect for cozy... evenings with loved ones. The primary suite is a sanctuary unto itself, boasting a huge rain glass shower and no-slip oversized tile, along with meticulous organized closets featuring built-in storage solutions. For the connoisseur, a built-in wine refrigerator awaits, while the custom coffee bar ensures your mornings are off to a delightful start. The kitchen features a sleek graphite sink, adding a touch of sophistication to your culinary endeavors. Entertaining is a breeze with a powder room showcasing a custom driftwood countertop and vessel sink. Additionally, the she-shed offers versatile space that can be transformed into an office, fitness area, or craft space, catering to our every need. Beyond the confines of your home, the gated community of La Strada offers resort-style amenities, including a pool. Centrally located, you're just a short walk or drive away from shopping, restaurants, and the famous fountain, allowing you to indulge in the vibrant lifestyle this community has to offer.

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1024 E Mountain Vista Drive Phoenix, AZ 85048

$649,000

3 Beds

2 Baths

1,953 SqFt

Status Active

MLS # 6765395

Property Type Single Family Residence

Price Type --

Wow ! Great single level home with no neighbors behind, creating beautiful mtn views of So Mountain from the fam rm & main suite ! This home borders a wash & the quiet street which borders the local park. Beautiful wood floors thru-out most of the home. Gorgeous granite counters & white cabinets in the kitchen, which is open to the family room, & separated by the kitchen breakfast bar island. Pantry is behind the door labeled ''Private''. The formal liv/din rooms at the house entrance is currently furnished as a large liv rm. The office has a double door (no closet). The beautiful main suite is at the back of the house, w/sep tub & shower/ walk-in closet/ private toilet/ twin sinks & view of S Mtn. The backyard is a gorgeous oasis w/ pool/ mural walls/ meditation areas & beautiful views !

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36646 N 21st Street Phoenix, AZ 85086

$649,000

4 Beds

2 Baths

2,232 SqFt

Status Active

MLS # 6747023

Property Type Single Family Residence

Price Type --

This 2.5-acre property is worth a look if you're ready for a project. The 4-bedroom, 2-bathroom home has a pool, but it's going to need updating. Priced Accordingly. On the plus side, there's no HOA to deal with, so you're free to do whatever you want with the space. The property includes city water access, an oversized horse arena, stalls for up to 8 horses and a detached open-front building that could be used as a workshop or storage for RVs and other large vehicles. The home is a territorial-style build with expansive views, but it's far from perfect. While it's close to the freeway, shopping, and schools, be prepared to put in the effort to make this place your own and realize it's true potential!

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7926 W Medlock Drive Glendale, AZ 85303

$649,000

4 Beds

2.5 Baths

3,185 SqFt

Status Active

MLS # 6730583

Property Type Single Family Residence

Price Type --

Adorable 3185 square feet 2-story home with 4 bedrooms, 2.5 bathrooms, large den, loft and a 2 car garage. Additional flex-room downstairs could be used for extra storage or an office. Plantation shutters. Spacious owner's suite with walk-in closet. Quartz kitchen countertops and backsplash. Equipped with stainless steel appliances. Classic shaker style cabinets. Low-maintenance landscaping. Convenience location- close to Westgate, easy access to the 101 and I-10.

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4755 W Morin Road Mcneal, AZ 85617

$649,000

3 Beds

2 Baths

2,142 SqFt

Status Active

MLS # 6731687

Property Type Single Family Residence

Price Type --

Take a look at this charming ranch-style home situated on over 90 acres of expansive land ideal for horses & livestock! Discover 3 bedrooms, 2 bathrooms, & spacious basement for additional living space & storage. Living room, formal dining, & office/den provide plenty of options for relaxation & entertaining. Custom kitchen appliances, fireplace, wood-burning stove, custom woodworking, & built-in bookshelves add character & functionality. Outside are added benefits of covered parking, a workshop, barn, storage shed, & 3 wells (2 private,1 irrigation). 5 raised garden beds invite gardening enthusiasts. Whether you're looking to expand your agricultural or livestock endeavors, or seeking a tranquil retreat, this property offers a blend of rural lifestyle, serenity, & modern convenience.

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202 S Sunset Pass Payson, AZ 85541

$649,000

3 Beds

2 Baths

1,800 SqFt

Status Active

MLS # 6748539

Property Type Single Family Residence

Price Type --

BRAND NEW - UNDER CONSTRUCTION Dream Home on the Rim in Payson - surrounded by gorgeous custom homes and less than 7 min from Renowned Golf Club at Chaparral Pines & The Rim Club, less than a mile from Safeway grocery store and convenient shopping, dining, gas & bank. Buyers able to select Cabinet Color, Granite Color, Interior & Exterior Paint and Flooring if under contract before install. Not much around here under $700K so hurry - estimated time of completion 12/01/2024- just in time to enjoy for the winter! Additional Photos of this home will be posted as it progresses. Buyer to verify all facts & figures.

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20138 W Steedridge Road Wittmann, AZ 85361

$649,000

4 Beds

2.5 Baths

2,339 SqFt

Status Active

MLS # 6773769

Property Type Single Family Residence

Price Type --

New irresistible custom home built 2024 on a cul-de-sac lot. A must-see! Ready to move in and start a new chapter of your life. Ideal for people looking for quality features and unique details. Located on a 1.24 acres lot. Huge backyard. 4 spacious bedrooms, 2.5 bathrooms. The gorgeous home is designed down to the smallest detail. Elegant touches that predominate throughout the entire house. Grand open space with 14 feet ceilings. Ceramic 4'x2' elegant tile in the whole home. One-of-a-kind and full of character kitchen with solid wood oak cabinets with appliances included. Beautiful kitchen island with enjoyable breakfast bar. Quartz countertops with veins. Relaxing electric fireplace in the living room area. Solid wood ceilings in patio and porch. 3 car garage.

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