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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16155 E Glenview Place Fountain Hills, AZ 85268

$649,000

2 Beds

3 Baths

1,776 SqFt

Status Active

MLS # 6774302

Property Type Single Family Residence

Price Type --

Close to middle school and high school in Glenbrook subdivision. Nice 2 master bedrooms with 2.5 baths. Granite counter tops, stainless steel appliances. Plantation shutters throughout. All one level, no carpet. 2 car garage. Covered patio in back with some artificial turf, and beautiful landscaping.

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10841 E Oro Avenue Mesa, AZ 85212

$649,000

3 Beds

2 Baths

2,159 SqFt

Status Active

MLS # 6773993

Property Type Single Family Residence

Price Type --

Un Paralled House to call Home! Lots of tasteful extras above similar versions of the popular, open 2150 plan. CURB APPEAL Fasioncolor!. upgraded stack stone columns. Epoxy patio. Magnificant large EZ care light colored floor tile. Staggered kitchen cabinets. Four large windows replaced by Pella, All ten ft ceilings including garage, 4 window door to golf cart garage. Six solatube skylights. 7 fans. Master has BOTH tub & separate shower. Master expanded TEN FEET! Great libary/music/office/tv room. Dynamite back yard with Pergola.Exceptional built in BBQ to entertain a crowd! Pavers going left & right.Side gate/storage, south patio. MUST see! Gentle pet; keep doors closed during showing please.

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6401 E Lewis Avenue Scottsdale, AZ 85257

$649,000

3 Beds

3 Baths

1,755 SqFt

Status Active

MLS # 6775282

Property Type Single Family Residence

Price Type --

This spacious house featuring new quartz countertops, located on a corner lot with freshly painted interiors and exteriors. This home boasts of two living spaces and an open floor plan, perfect for entertaining. Ideally located near shopping, dining, and Old Town Scottsdale, in a quiet neighborhood. Situated on a generously sized lot in a great neighborhood with no HOA.

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17057 W Echo Lane Waddell, AZ 85355

$649,000

4 Beds

3 Baths

2,529 SqFt

Status Active

MLS # 6776412

Property Type Single Family Residence

Price Type --

The NextGen floor plan is the perfect setup for shared living space - ideal private space for visitors or rentals! Guest quarters with a private entrance as well as garage entry, separate bedroom with walk-in closet, living area, kitchen with full-size appliances, and laundry (stacked washer/dryer included)! Rent out for extra income or house a grandparent or family member/roommate wanting their own space while connected to the main home. This beautiful single-level residence in a desired corner lot of a Gated Community! This gorgeous home offers an immaculate interior with abundant natural light and cozy living spaces for entertaining. The kitchen has plenty of cabinets with crown moulding, quartz counters, recessed lighting, subway tile backsplash, stainless steel appliances, and a peninsula with a breakfast bar ideal for quick meals. Discover the large main retreat featuring plush carpet, an ensuite with dual sinks, sit-down shower, and a walk-in closet. PLUS! This house boasts a bonus room ideal for a media room/office and a fully equipped guest's quarter with a private entry. Out the back, you'll find a private, serene space with a covered patio and artificial lawn for relaxing evenings and conveniently located near grocery shopping, restaurants, just minutes away from 303 and major highways for easy access.You won't be disappointed!

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26815 N 65th Avenue Phoenix, AZ 85083

$649,000

4 Beds

2.5 Baths

2,244 SqFt

Status Active

MLS # 6775468

Property Type Single Family Residence

Price Type --

Great 4-bedroom home located on a desirable corner lot of a private cul-de-sac with stunning mountain views! Split floor plan boasting wood flooring, formal dining, custom pain finishes, and a charming living room for entertaining. The eat-in kitchen has built-in appliances, honey oak cabinets, ample counters, and a breakfast bar for casual meals. The main bedroom is downstairs and offers a bathroom with a separate tub/shower, dual sinks, and a walk-in closet. Upstairs, you'll find the secondary bedrooms along w/French inspired stained glass at entrance of 2nd story windows. The fabulous backyard features a view fence, a covered patio, and a sparkling blue pool. Close to shopping, restaurants, and other attractions. Really nice home!

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710 E Peoria Avenue Phoenix, AZ 85020

New

$649,000

3 Beds

3 Baths

1,913 SqFt

Status Active

MLS # 6778988

Property Type Townhouse

Price Type --

Discover Resort-Style Living in the sought-after Community of the Pointe Tapatio at North Mountain. This 3 bedroom/3 full bath home is a 'hidden gem'. Don't miss out on this exceptional property that combines luxurious living with practical design. Comfortable living room and adjacent dining area, ideal for hosting dinner parties. New kitchen with cozy Breakfast Room. An upstairs 'secondary' Master Bedroom Suite with covered Balcony overlooking North Mountain. Beautifully appointed bathrooms with quartz countertops, Moen faucets, and walk-in showers with custom glass doors in two of the three bathrooms. Two stained-glass plus Celestial windows shimmer light throughout the home. Conveniently located to hiking/biking trails, restaurants, boutiques, and the Hilton Pointe Resort. Walk across the street to a Heated Pool and Spa where you can view a magnificent water feature. Home is situated in the Central Phoenix Corridor, the Nexus of the City's Art and Culture scene. Meticulously landscaped with two covered patios and a putting green, creating a serene and inviting environment for relaxation and recreation with family and friends. Easy access to world-class golf courses, downtown Phoenix, and Sky Harbor Airport. Exterior paint in 2023. Roof is 6 years old. A/C System is 5 years old. Move-in Ready!

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235 W Liberty Lane Payson, AZ 85541

$649,000

3 Beds

2 Baths

1,378 SqFt

Status Active Under Contract

MLS # 6751212

Property Type Single Family Residence

Price Type --

Rural living but close to town amenities! Suburban ranchette features 2.65 acres fenced and cross fenced for horses and other live stock. Fenced organic garden area and orchard. Numerous storage buildings, fenced chicken compound with coup, tack shed, large craft/work shed, oversized two car garage. Private well on property, plus an interest in Community well. Round pen set up with walker.

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3233 S Lebanon Lane Tempe, AZ 85282

$649,000

3 Beds

2 Baths

1,626 SqFt

Status Active Under Contract

MLS # 6717336

Property Type Single Family Residence

Price Type --

Welcome to your new home in Tempe! This fully remodeled property has brand new flooring, gray quartz waterfall countertops, white shaker cabinets, new fans, and modern finishes throughout. The roof has a 5-year no-leak warranty, 20-year underlayment, and lifetime shingle warranty. Outside, enjoy a covered patio and a sparkling diving pool on a spacious lot. The home also features a newer AC and furnace, shingles replaced in 2018, no HOA, and excellent nearby schools. Visit this weekend before it's gone—homes in 85282 at this price don't last! The property includes 1,466 sq. ft. plus a 160 sq. ft. attached laundry room.

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3248 E Macaw Court Gilbert, AZ 85297

$649,000

5 Beds

3 Baths

2,614 SqFt

Status Active Under Contract

MLS # 6761582

Property Type Single Family Residence

Price Type --

Welcome to your dream home in the highly sought-after Windmill Ranch community! This stunning property, built by Richmond American Homes, showcases thousands of dollars in luxury improvements, ensuring both elegance and comfort throughout. As you enter, you're greeted by a spacious formal living and dining room, perfect for entertaining. The open-concept family room flows seamlessly into a huge island kitchen, where culinary delights await. With ample counter space and modern appliances, this kitchen is a chef's paradise. Additionally, a convenient ground-floor bedroom with a full bathroom offers flexibility for guests or family members. Upstairs, a versatile loft provides the perfect space for a home office, playroom, or cozy reading nook. Step outside to your private oasis: Step outside to your private oasis: an amazing fenced pool surrounded by lush landscaping, creating a serene retreat for relaxation and outdoor gatherings. The extended rear patio is ideal for enjoying Arizona's beautiful sunsets. Windmill Ranch offers an array of community amenities, including walking paths, parks, and playgrounds, fostering a vibrant neighborhood atmosphere. Residents enjoy easy access to Gilbert Municipal Park, which features sprawling green spaces, sports fields, and walking trails, making it a fantastic destination for outdoor activities and family fun. Located in the heart of Gilbert, this home is just minutes away from shopping, dining, and entertainment options, as well as top-rated schools. Embrace the best of suburban living with all the conveniences you desire. Don't miss out on this exceptional opportunity. Come view this beautiful home today!

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867 E Knightsbridge Way Gilbert, AZ 85297

$649,000

3 Beds

2.5 Baths

2,172 SqFt

Status Active Under Contract

MLS # 6765143

Property Type Single Family Residence

Price Type --

Stunning residence situated in the one-of-a-kind Kensington Estates community! This home features a massive 12ft kitchen island with NEW pendant lights, NEW carpet, 10ft ceilings throughout, along with fresh landscaping front AND back! There is also an EV charging port ready for your charging needs! This property backs onto a charming community footpath, ensuring NO NEIGHBORS directly behind you! You won't find a better location-- including the #1 rated school district in AZ and conveniently located near shopping and easy access to the 202 freeway!

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16234 E Links Drive Fountain Hills, AZ 85268

$649,000

2 Beds

2 Baths

1,878 SqFt

Status Active Under Contract

MLS # 6766788

Property Type Apartment

Price Type --

You'll love this 2 bed, 2 bath PLUS office single-level condo with golf course views & 2 car garage in Balera at Firerock! Step inside to an open greatroom with high ceilings. The kitchen is the heart of the condo with walls of cabinets, large island, stainless appliances, granite counters & tile backsplash. The main bedroom also has golf course views & large ensuite bath with dual vanity, soaking tub, walk-in shower & ample walk-in closet. The guest bedroom is split & offers direct access to the guest bath - making it a mini-ensuite. The 3rd room has pocket doors-perfect for office, bedroom or hobby room. Relax inside or on your patio while taking in the views of Firerock Golf Course. All this plus the gated lock-and-leave Balera Lifestyle with community pool & fitness room! View today!

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17201 E Rockwood Drive Fountain Hills, AZ 85268

$649,000

3 Beds

2 Baths

1,720 SqFt

Status Active Under Contract

MLS # 6774894

Property Type Single Family Residence

Price Type --

Welcome to your private oasis! This beautifully updated 3-bedroom, 2-bath home features a stunning pool, serene yard with a tranquil waterfall and great Red Mountain Views!! Vaulted ceilings create an airy feel in the living and dining areas. The family room connects to an updated kitchen (2024) with granite countertops, new appliances, and a large island. The split bedroom layout ensures privacy, while the master bath boasts an updated dual vanity and stylish tile backsplash. Recent upgrades include a new R/O system (2023), hot water heater (2022), pool equipment (2020), HVAC (2018), and a partial remodel of the master bath (2024). Located in a well-maintained neighborhood with easy access to Shea, this home is a true gem!

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