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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1780 S Yellow Brick Road Chino Valley, AZ 86323

$650,000

3 Beds

3 Baths

2,569 SqFt

Status Active

MLS # 6773298

Property Type Single Family Residence

Price Type --

Fantastic custom built home on 2.61 acres with panoramic mountain views! This 3 bedroom, 3 bathroom also has a den/office area and wonderful back courtyard offering outdoor entertaining space including built-in BBQ and huge views of Granite Mountain. Living room has fireplace and is adjacent to the open kitchen offering granite counter tops, pantry, tile floors, newer appliances and access to back courtyard. The large owners suite offers dual walk in closets, separate his/her vanities, large travertine shower & separate garden tub & private toilet room w/sink. The oversized owners bedroom and access to back courtyard. Spacious 2nd & 3rd bedrooms. 2.61 acres offers plenty of space for barns, arenas, extra garages, workshops, etc. The attached extra deep garage has epoxy floor finish.

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9443 E Riviera Drive Scottsdale, AZ 85260

$650,000

3 Beds

2 Baths

1,484 SqFt

Status Active

MLS # 6773744

Property Type Single Family Residence

Price Type --

This beautifully remodeled end unit patio home features a large private yard perfect for someone looking for low maintenance yet plenty of space and privacy. Updated porcelain and wood plank tile throughout! The well-equipped kitchen boasts stainless steel appliances, ample cabinet storage, double ovens and an induction range, perfect for culinary enthusiasts. The office, complete with built-in bookshelves and a beverage fridge, can easily be converted back into a third bedroom. The primary opens to the backyard, and has dual vanities and two spacious closets with built-in drawers and shelves. Set in a desirable neighborhood, this home backs up to the greenbelt and community pool, one of the best lots in the community. Don't forget about the new AC unit and water softener too!

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2665 E Gillcrest Road Gilbert, AZ 85298

$650,000

3 Beds

2.5 Baths

2,658 SqFt

Status Active

MLS # 6774316

Property Type Single Family Residence

Price Type --

Beautiful 3 bedroom + downstairs office, 2.5 bath home in a great lake community with pool, gym, basketball courts, clubhouse, parks and children's play areas. This home features beautiful granite counters and sleek stainless-steel appliances. The primary bathroom offers a luxurious separate tub and shower and a double sink vanity, and a spacious walk-in closet to fulfill all your storage needs. Freshly painted walls and professionally cleaned carpets. The convenience of this location is unmatched with an elementary school conveniently located within the subdivision, and community amenities.

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8640 W Monaco Boulevard Arizona City, AZ 85123

$650,000

3 Beds

4 Baths

3,536 SqFt

Status Active

MLS # 6773844

Property Type Single Family Residence

Price Type --

Beautiful Custom home w/Casita on the golf course! Enter thru Custom metal door w/Wrought Iron detail into beautiful, tiled courtyard w/gas fireplace. From the private courtyard you have access to a Bonus Room w/mini split, entry to private Casita/Guest House & entrance to main home. Another Custom Door welcomes you into the main living area w/soaring ceilings & gorgeous views of the backyard pool & golf course! Entertainers Dream w/Formal Dining, Great Room w/fireplace, Kitchen, w/gas cooktop, French Door Refrigerator, Butler's Pantry, Wine Rack, & a large Granite Island. Primary suite w/step up Garden Tub, Walk thru Shower, Separate Dual Vanities, & huge walk-in closet. Backyard Oasis w/Covered Patio, Pool, Spa, Outdoor Bath, RV Gate, RV Parking & Hookups. So many features - a must-see!

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15202 N 20th Place Phoenix, AZ 85022

$650,000

3 Beds

2 Baths

1,857 SqFt

Status Active

MLS # 6774457

Property Type Single Family Residence

Price Type --

This tastefully updated home in a well established, non HOA neighborhood featuring a generous owner's suite with enlarged bathroom, walk-in closet, linen storage and direct access to the great back with large covered patio. Enjoy morning coffee and breathtaking sunrise views from the covered front porch or east facing picture window and relax in the evening with a glass of wine on the back patio as the sun sets over your fantastic, low maintenance backyard. Meals are a pleasure to prep in this kitchen with stainless steel appliances, quartz counter tops with direct access from the garage. Clerestory windows and vaulted ceilings flood the home with lots of natural light. Can be available sooner, ask your agent.

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21950 N 100th Avenue Peoria, AZ 85383

$650,000

4 Beds

2 Baths

1,940 SqFt

Status Active

MLS # 6781931

Property Type Single Family Residence

Price Type --

I humbly introduce you to the property that checks all of your boxes. Freshly painted, four bedroom, split floorplan that has not one beautiful kitchen, but two! This property takes indoor-outdoor living to a whole new level. Oversized collapsible slider, custom granite and stone outdoor kitchen, table, private pool, pre-wired surround sound system, and no neighbors behind, puts this home in a league of it's own. This move-in ready property is only missing one thing . . . YOU!

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136 N 11th Avenue Phoenix, AZ 85007

$650,000

5 Beds

4 Baths

1,720 SqFt

Status Active

MLS # 6775519

Property Type Single Family Residence

Price Type --

Versatile property offering a main home and two studio units. Primary home is a charming three bedroom two bath. Two attached studio units located in the back. Main house is month to month lease allowing a perfect owner occupant and investing opportunity. Live in the primary home and allow the two studio units to offset your mortgage by $1,918 per month! Primary unit is currently M2M at $1650. Flexible R-8 Zoning allows for six attached units to be constructed. This block has a great mix of new developments and historic homes. Property is located in the Woodland historic district, a vibrant and evolving area that is walking distance to Historic Grand Avenue, downtown campuses, and all the best dining and nightlife Phoenix offers!

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40568 N Spotted Lane San Tan Valley, AZ 85140

$650,000

4 Beds

3 Baths

2,475 SqFt

Status Active

MLS # 6777852

Property Type Single Family Residence

Price Type --

Entertainers & Car Lovers take notice! Want to know why this home can be better than a new build? Move in ready is one reason, but having the window treatments and landscape completed are the major cost savers here. Plus this location is fantastic. Tucked away in a quaint neighborhood, but with all the new grocery stores and restaurants nearby. Beautiful, upgraded home with wood plank tile throughout. Amazing kitchen with a gas cooktop. Large kitchen island for entertaining, open to DR and family room. The home has solar & energy efficient thermostats. The 5 car garage shows off with an epoxy floor, built-in cabinets, and room for cars & toys. HOA approved RV parking with the RV Gate, Pad, and Hook Up.

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15101 W Waterford Drive Surprise, AZ 85374

$650,000

2 Beds

2.5 Baths

2,406 SqFt

Status Active

MLS # 6778489

Property Type Single Family Residence

Price Type --

Experience resort-style living with this elegant home offering unparalleled views! Nestled on a prime golf course lot in the Sun City Grand community, this immaculate 2 bedroom, 2.5 bathroom home with a den showcases breathtaking panoramic views of the golf course and distant mountains. The open floor plan is designed for both comfort and style, with the outdoors in and a media center wall with a custom fireplace, perfect for cozy gatherings. The dream kitchen is equipped with Corian countertops, mosaic tile backsplash, skylight, and stainless steel appliances. The large primary bedroom has a slider to the patio. Ensuite features double sinks, a jetted tub, and a huge walk-in closet. Secondary bedroom with full private bathroom is perfect for your guests. Outside, relax in your private backyard oasis with a spacious covered patio, a built-in BBQ, cool decking, a custom waterfall, and a serene pond surrounded by a pony wall. The 2-car garage with a separate golf cart garage is finished with epoxy flooring and ample storage cabinets. With access to golf, swimming, and countless recreational amenities, this gorgeous Jasmine model offers the ultimate in retirement luxury.

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34027 N 140th Place Scottsdale, AZ 85262

$650,000

3 Beds

2 Baths

2,000 SqFt

Status Active

MLS # 6778608

Property Type Single Family Residence

Price Type --

Beautiful new home, ready to move into! 3 bedroom, 2 bath, with den or office. Cul-de-sac lot. Large master suite/closet, and all tile master shower. Carpeted bedrooms with upgraded pads. Spacious open floor plan, great room, and kitchen. Quartz countertops, tile backsplash, spacious pantry with built-in-selves. Stainless steel appliances, sit-down kitchen island, and vaulted ceilings. Generous paver stone patio to enjoy desert mountain views. 3-car garage with workspace. Spacious laundry room and storage room, both with cabinets! Solar tube for natural light in laundry room. Long lasting synthetic stucco finish, 2 panel interior doors. Horses OK. Owner Agent.

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7306 E Wilshire Drive Scottsdale, AZ 85257

$650,000

3 Beds

2 Baths

1,506 SqFt

Status Active

MLS # 6778842

Property Type Single Family Residence

Price Type --

Classic 3 bedroom, 2 bathroom brick home, ideally located just off Scottsdale Road and tucked into the center of the highly sought after Scottsdale Estates subdivision. This beauty showcases a spacious living room, formal dining area, updated bathrooms, dual pane windows throughout and a gorgeous backyard with a sparkling diving pool and Trex deck. The backyard also includes a large storage shed, lots of grass for play and a spacious covered patio. The roof and hvac unit were replaced in 2021, complete replacement of sewer lines in 2024, new carpet and fresh interior paint throughout in 2024 and new electrical panel in 2004! Situated close to excelling public and private schools, parks, Old Town Scottsdale, and the 101 freeway, it's in a prime location for convenience and entertainment. This is an extremely rare opportunity that you do not want to miss!

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10116 W Bolivar Drive Sun City, AZ 85351

$650,000

2 Beds

2 Baths

1,800 SqFt

Status Active

MLS # 6780918

Property Type Twin Home

Price Type --

This beautifully remodeled lakefront property offers an idyllic blend of modern elegance and serene living, perfect for those seeking a tranquil retreat. The open floor plan showcases a spacious interior enhance with new flooring and sleek cabinets, while most furnishings and furniture are included for a seamless move-in experience. Indulge in luxury with a jacuzzi tub in the bathroom, providing a spa-like escape, and enjoy the expanded living room, perfect for relaxation with its cozy fireplace. The custom front door and new windows elevate the home's sophistication, and the removal of popcorn ceiling adds to its sleek aesthetic. Entertaining is effortless in the outdoor BBQ area, complete with a covered patio. 2-car garage and office area, property is a blend of style and comfort

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