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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25645 W Blue Sky Drive Wittmann, AZ 85361

$649,000

4 Beds

2 Baths

2,139 SqFt

Status Active

MLS # 6650375

Property Type Single Family Residence

Price Type --

Easy To Show, Over 1 Acre Horse Property on this beautiful 4 bedroom, 2 bathroom single family home located in Wittmann, AZ. Comes with a Separate Fenced Pool Area to cool off in the summer heat! A Split Floor Plan 2 40 foot Cargo Containers. 2 Horse Stalls, Covered RV Parking. and a 50 ft portable round Horse Exercise Ring. Beautiful backyard with trees to provide shade perfect for a family event. Has an open garage with lots of available space to leave your vehicles in, 2 RV Hook-ups and 2 Container Storage units, Leased Solar Panels to reduce Electric Bills, and Additional Storage Shed.

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4402 N 9th Avenue Phoenix, AZ 85013

$649,000

3 Beds

3 Baths

1,826 SqFt

Status Active

MLS # 6696438

Property Type Single Family Residence

Price Type --

Welcome to your new sanctuary! 3 beds, 3 bath haven is the epitome of truly a move-in ready meticulously maintained oasis with 2 bedrooms ensuite, one with a private entrance. A brand-new roof & fresh paint, this home exudes charm & tranquility. The kitchen, complete with a gas stove, elegant granite countertops, underlit cabinets & pantry, perfect for culinary adventures. Outside, lush trees frame the beautiful maintained lawn, covered porch front & back creating a private oasis for relaxation or entertaining. Nestled in a vibrant neighborhood, you'll love the convenience of nearby shops, restaurants, and the community's lending tool shed & libraries. This home & neighborhood is more than just a place to live - it's a vibrant community with a welcoming spirit. Come see it

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2061 E Gary Circle Mesa, AZ 85213

$649,000

5 Beds

3 Baths

3,492 SqFt

Status Active

MLS # 6700499

Property Type Single Family Residence

Price Type --

BEAUTIFUL HOUSE WITH BASEMENT FOR EXTRA BEDROOM SPACE, 5+ BEDROOMS, 3 BATHS NESTLED IN A CULDESAC WITH LARGE BACK YARD, BEAUTIFUL SWIMMING POOL, FIRE PIT, AND PIZZA OVEN. ONE BEDROOM DOWN STAIRS, 4 UP STAIRS. LARGE FORMAL LIVING ROOM, FORMAL DINING ROOM, AND VERY FUNCTIONAL KITCHEN. LARGE STORAGE ROOM WITH NEW EXTERIOR PAINT AND PATIO PAVERS, POOL RECENTLY RESURFACED. PROPERTY ON 1/4 ACRE. OWNER EAGER TO SELL, WILL LOOK AT ALL OFFERS!

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6826 E Monterey Way Scottsdale, AZ 85251

$649,000

3 Beds

2 Baths

1,980 SqFt

Status Active

MLS # 6733512

Property Type Single Family Residence

Price Type --

LOOKING FOR INVESTMENT PROPERTY! Looking for a 3 bedroom, 2 bathroom with a den located in South Scottsdale? Look no further! Charming single level home features a spacious open floor plan, new floors in the living room area, fresh interior paint, new light fixtures with plenty of natural light! Spacious bedrooms with ample closet space, den, dining area, over-sized laundry room and flex space for office. Enjoy the private and peaceful backyard. Covered patio with mature landscaping. A perfect gathering spot for friends and family. Close to Old Town shopping, ASU and Scottsdale Fashion Square.

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1199 N Melody Circle Chandler, AZ 85225

$649,000

4 Beds

3 Baths

2,997 SqFt

Status Active

MLS # 6734457

Property Type Single Family Residence

Price Type --

This stunning home sits on an oversized lot with a gorgeous interior, including 4 beds, 3 baths, an extra office, a bonus room, and a loft. (6/7 rooms). The separate living and family rooms allow you to spread out and enjoy. The large backyard is perfect; RV gate with a good-sized pad, and an extra storage room with A/C. The downstairs has a nice office with built-in cabinets and a large bedroom with a separate entrance to the outside. (perfect guest room) Upstairs has a loft with the 3 other bedrooms. The kitchen with a huge island opens to a large family room and views of the backyard. Both AC units are less than 1 year old. Newer paint, flooring, Blinds, fans, lights, etc. This home has so much to offer and is in a wonderful location. Hoa only $30.00 a month. This is a wonderful home!

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3128 E Cheryl Drive Phoenix, AZ 85028

$649,000

4 Beds

3 Baths

2,195 SqFt

Status Active

MLS # 6734743

Property Type Townhouse

Price Type --

SELLER CONCESSIONS OFFERED!! Built in 2019, lock & leave, ready to move in, Mountain views & a convenient location to so much, what more could you ask for? Artisan Duette is a TH community (which lives & feels like SF home because of the construction) of 22 homes that are tucked away in the Phoenix Mountain Preserve neighborhood &close to the 51. This fabulous home features 4 bedroom (plus loft), 3 bathrooms & 2 car garage. 1bd/ba downstairs. Light & bright w/ 9' & 10' ceilings, 5'' baseboards, smooth textured walls, modern lighting etc. are just some of the upgrades. A chefs kitchen w/ tons of storage, SS appliances, pull out drawers in pantry, quartz counters & spacious island opening to the living areas. 10' sliding doors open to low maintenance covered patio & yard w/ private gate to dog park/greenbelt & pool Coffee spots, dining, pet stores, grocery, pharmacy, auto services, shopping etc...are within walking distance. The new PV Mall, Trader Joes, Costco etc... are nearby. You will want to live here!!

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22706 N 17th Street Phoenix, AZ 85024

$649,000

4 Beds

2.5 Baths

3,181 SqFt

Status Active

MLS # 6738561

Property Type Single Family Residence

Price Type --

Spacious 2-Story Home: 4 Bbds, 2.5 Bths, Office and Enormous Loft! This stunning home has space for everything you need! Step inside to discover a versatile office or flex space, perfect for a home office or playroom w/ beautiful laminate flooring. The open-concept kitchen and dining area create an inviting atmosphere for both everyday living and entertaining. The primary bedroom is conveniently situated on the main level, featuring laminate flooring, an en-suite with a shower and tub, and a huge walk-in closet. New carpeting throughout! Upstairs, you'll be amazed with The Giant Loft! Option to build a 5th bedroom. A sizable laundry room with shelving storage. Three Large Bedrooms, all with walk-in closets. Backyard has a view fence and no neighbors behind, giving you ultimate privacy! Living in the Eagle Bluff community means you have access to top-notch education just a short walk or bike ride away to the nearby schools. The location is unbeatable. Enjoy outdoor activities at the Reach 11 Park or the Cave Buttes Recreation Area. Shopping proximity to Desert Ridge and the Shops at Norterra. You're also moments away from major highways like Loop 101, the 51, and I-17, making commuting a breeze. Plus, Costco is just a few minutes south! Don't miss your chance to make this dream home your reality!

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902 E Goldenrod Street Phoenix, AZ 85048

$649,000

3 Beds

2 Baths

1,927 SqFt

Status Active

MLS # 6748472

Property Type Single Family Residence

Price Type --

Don't miss your chance to own in this highly sought after community. This freshly polished gem is nestled at the base of South Mountain, offering resort-like views and a private backyard perfect for sunsets and stargazing. Recent upgrades include a refreshed pool, kitchen and bathroom updates and new flooring throughout. Located in the top-ranked Kyrene School District, this home is just steps from playgrounds and park concerts. This home checks all the boxes.

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8413 E Hubbell Street Scottsdale, AZ 85257

$649,000

3 Beds

2 Baths

1,475 SqFt

Status Active

MLS # 6749186

Property Type Single Family Residence

Price Type --

Become the proud owner of this charming fully remodeled 3-bedroom, 2-bath residence on a desirable corner lot, no expenses spared! All new plumbing and sewer lines as of 2024. Featuring a garage, a convenient RV gate, a low-maintenance yard, and a cozy front patio. Inside, the great room boasts a soothing palette, blinds, and stylish wood-look flooring. The spotless kitchen showcases quartz counters, abundant wood soft closing cabinetry, pendant/recessed lighting, a chic tile backsplash, stainless steel appliances, and a center island with a breakfast bar for casual dining. The main bedroom offers a private bathroom with dual sinks. Venture outside to the lovely backyard, complete with a covered patio, artificial turf for year-round greenery, drip system to all exterior plants, alley access, and a shed for additional storage. Make this gem yours or turn it into the perfect air bnb or VRBO!

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3732 W Shannon Street Chandler, AZ 85226

$649,000

4 Beds

3 Baths

2,417 SqFt

Status Active

MLS # 6752210

Property Type Single Family Residence

Price Type --

Fabulous home in an even better location. Located in the Kyrene school district This wonderful home has 4 bedrooms and 3 baths And a 3 car Garage. All the extras your buyer is looking for, a bedroom and bath downstairs ideal for a guest room or office. The primary bedroom has a large sitting area with a fabulous view and no homes behind it. The Primary bath is updated with a soaking tub separate shower with 2 sinks.. The Kitchen has been updated with Copper backsplash, Quartzite counters, and stainless steel appliances. 3 car garage gives you room for all your toys and the side yard has an RV gate for the extra items. This home is in the fabulous award-winning Kyrene school district and Corona Del Sol High School boundaries. The seller has updated the home with high tech security sys

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2093 E Rawhide Street Gilbert, AZ 85296

$649,000

3 Beds

2 Baths

2,315 SqFt

Status Active

MLS # 6759290

Property Type Single Family Residence

Price Type --

Located in the heart of Gilbert, this stunning home boasts exceptional curb appeal and modern upgrades throughout. As you enter, you'll be greeted by vaulted ceilings, upgraded lighting, and a meticulously maintained interior. The modern kitchen features white cabinets with two-toned paint, quartz countertops, open shelving, and a spacious walk-in pantry with steel-reinforced shelving. It also includes a coffee bar area, single basin sink, and stainless steel appliances that are only two years old. The living room is a bright, cozy space with a wood-burning fireplace, pristine carpets, and plenty of natural light. The primary suite offers soaring ceilings, its own exit to the backyard, and a luxurious en-suite bathroom that has been recently remodeled and is complete with a floating vanity, under cabinets lighting, dual sinks, upgraded lighting and mirrors, and a super shower with dual rainfall showerheads. The additional bedrooms are spacious, and the den features a unique artistic archway leading to the front room. Outside, the backyard is a peaceful retreat with real grass, lush landscaping, and a pergola with paversperfect for relaxing or entertaining. This home also includes a new water softener, ceiling fans in the bedrooms, and an inviting outdoor space that truly completes the home. Perfectly blending modern style with comfort, this home offers an unbeatable lifestyle in a prime Gilbert location.

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3021 E Shangri La Road Phoenix, AZ 85028

$649,000

3 Beds

2 Baths

2,310 SqFt

Status Active

MLS # 6757744

Property Type Single Family Residence

Price Type --

This beautifully renovated home has been transformed from top to bottom, featuring an open floor plan with spacious rooms and modern upgrades throughout. Enjoy brand new luxury vinyl plank flooring, a completely remodeled kitchen, and fully renovated bathrooms. As you step inside, you're greeted by a warm, inviting atmosphere and an airy layout. The gourmet kitchen is perfect for cooking enthusiasts, designed to be the heart of the home. Situated on a large, private lot, this property is conveniently located just minutes from the 51 freeway, Paradise Valley, and Scottsdale.

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