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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8622 E Cambridge Avenue Scottsdale, AZ 85257

$650,000

3 Beds

2 Baths

1,290 SqFt

Status Active

MLS # 6785553

Property Type Single Family Residence

Price Type --

Beautiful Old Town Scottsdale Home. New Exterior and Interior Paint, baseboards, and carpet. Close to freeway to get anywhere easily in the valley.

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2600 E Summer Loop Forest Lakes, AZ 85931

$650,000

2 Beds

1.5 Baths

1,725 SqFt

Status Active

MLS # 6778410

Property Type Single Family Residence

Price Type --

Nestled atop the majestic Mogollon Rim, this exquisite A-frame cabin in Forest Lakes Estates beckons those seeking an escape from the quotidian.This gem will be coming soon to the market and is a mere two-hour scenic drive from Phoenix, offers a tranquil retreat where temperatures graciously dip 30-50 degrees below the valley's swelter. The property's 1,726 square feet of tastefully updated living space unfolds like a carefully curated narrative. Expansive picture windows frame nature's ever-changing landscape, while the eat-in kitchen features stylish upgraded granite counters and endless pantry/storage options. The main floor houses two spacious bedrooms and a bathroom, while the upper level reveals a sleeping loft complete with a playful nook and generous storage. Outside, the grounds are a testament to thoughtful landscaping. Verdant grass intermingles with ferns, while carefully cultivated bulbs and lilacs perfume the air. Majestic lilies stand sentinel along the home's façade, their regal presence complemented by nature's own sculpture garden of boulders. Entertainment options abound with dual fire pits, a pergola, and a whimsical tree fort. The extra depth two-car garage conceals a surprise - a game room/bunkhouse, perfect for hosting soirées or accommodating overflow guests. The garage also has laundry area and could also be converted a tandem 4 car garage. Storage Shed conveys too for additional storage. Seller has done updates from, flooring to lighting and done all the important updates: electrical, plumbing (PEX), and added forced air heating system. Forest Lakes, an idyllic community free from HOA constraints, boasts several trout-stocked lakes and a vibrant, welcoming atmosphere. The voluntary FLOA fosters a sense of camaraderie through community events and a shared gathering space. This exceptional property, priced at market value, promises not just a home, but a legacy of cherished memories amidst the towering Ponderosa pines. Seize this opportunity to elevate your lifestyle and immerse yourself in the lap of nature's luxury.

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13812 W Parada Drive Sun City West, AZ 85375

$650,000

3 Beds

3 Baths

2,543 SqFt

Status Active Under Contract

MLS # 6749644

Property Type Single Family Residence

Price Type --

Must see this spacious, upgraded property on the 11th hole of Deer Valley Country Club! This light-filled home is updated with new flooring, tall baseboards, water softener, new water heater, solar tubes, plantation shutters, and the roof underlayment! The grand double door entryway leads to a formal living/dining space with SPECTACULAR view. Eat-in kitchen updates include NEW cabinets, granite & appliances. Both downstairs baths have new cabinets & beautiful showers! A huge primary suite upstairs has a walk-in closet & spectacular bathroom. Two bedrooms plus den are on the first floor, as well as a laundry room w/ storage, and lovely Arizona room to enjoy your GOLF COURSE VIEWS! Coveted 2.5 CAR GARAGE! Don't miss your chance to own the best of AZ living!

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1373 W Cindy Street Chandler, AZ 85224

$650,000

4 Beds

2.5 Baths

2,018 SqFt

Status Active Under Contract

MLS # 6775478

Property Type Single Family Residence

Price Type --

Welcome to your dream home—this completely upgraded oasis is designed for comfort, style, and elevated living. The open-concept layout flows effortlessly, perfect for both entertaining and relaxing. The kitchen, a chef's dream, features high-end appliances, custom cabinetry, and a view of the expansive backyard. The outdoor space is an entertainer's paradise with a sparkling pool, extended travertine decking, a putting green, and extended artificial turf for low-maintenance enjoyment. Unwind in the downstairs master suite, while upstairs offers three bedrooms and a versatile loft. The garage has been transformed into the ultimate man cave, ideal for hobbies or relaxation. This home offers the perfect blend of luxury, convenience, and a lifestyle built for creating lasting memories!

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12698 E Pivot Peak -- Gold Canyon, AZ 85118

$650,000

4 Beds

3 Baths

1,961 SqFt

Status Active Under Contract

MLS # 6776706

Property Type Single Family Residence

Price Type --

Welcome to this beautiful 4-bedroom, 3-bathroom home, built in 2022, nestled in the serene community of Peralta Canyon, located in Gold Canyon AZ. featuring BREATHTAKING mountain views. This modern gem boasts an open floor plan with a spacious living area perfect for entertaining. The kitchen features high-end appliances and a reverse osmosis (RO) system for clean, fresh water. Step outside to your private oasis, where a heated pool and spa await, perfect for relaxing or enjoying Arizona's sunny weather during any season. The front and backyard are equipped with an efficient irrigation system, ensuring easy maintenance for your outdoor spaces. Don't miss the chance to check out this home!

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1603 N El Dorado Court Chandler, AZ 85224

$650,000

4 Beds

2 Baths

2,029 SqFt

Status Active Under Contract

MLS # 6778551

Property Type Single Family Residence

Price Type --

Discover the endless possibilities with this beautifully upgraded Chandler gem, tucked away in a private cul-de-sac on a nearly 16,000 sq ft lot with no HOA. You'll find ample space to create the lifestyle of your dreams—imagine building a guest house, designing a gorgeous garden beyond the charming white picket fence in the backyard, and enjoying the ultimate outdoor oasis. This meticulously maintained home offers modern amenities and thoughtful touches, including OWNED solar panels, a freshly painted exterior, and energy-efficient upgrades. Step into a fully updated kitchen (2022) featuring elegant shaker cabinets, granite countertops, a stainless steel sink, and high-end LG and Samsung appliances. Cont... The entire house boasts wood-grain ceramic tile throughout and you'll love the cozy stack stone fireplace. Enjoy year-round comfort with a new 5-ton Lennox A/C unit, new ductwork (2024), and a recently installed insulated garage door with quiet rollers. Outside, a newly resurfaced Pebble Sheen pool (2023), custom RV gate, extended driveway, and full RV hookups make this home perfect for adventurers. The front yard's fresh landscaping, complete with artificial grass and paver steps, adds the perfect curb appeal. This move-in-ready home offers a rare blend of privacy, convenience, and potential in a highly desirable location. Check the documents tab for a complete list of the extensive upgrades. The possibilities here are truly endless!

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41448 N Bent Creek Way Phoenix, AZ 85086

$650,000

4 Beds

2 Baths

2,082 SqFt

Status Active

MLS # 6771488

Property Type Single Family Residence

Price Type --

Beautifully updated home, remodeled in 2022 with new flooring, fresh paint, and a modern kitchen featuring an expanded waterfall island, new appliances, and upgraded lighting. This home includes 3 bedrooms, plus a versatile 4th bedroom/office with a closet. Enjoy energy efficiency with owned solar panels, a newer HVAC system, tankless water heater, and water softener. The backyard is a private oasis with a hot tub, gas fire pit, misters and offers a beautiful view of Daisy Mountain. Smart home features include a Nest doorbell, voice activated outdoor misters and fans, Yale lock, and programmable thermostat. Perfectly located, just a short walk to Ironwood Clubhouse and half a mile from Daisy Mountain trailhead.

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5760 W Harrison Street Chandler, AZ 85226

$650,000

2 Beds

2.5 Baths

2,318 SqFt

Status Active

MLS # 6782219

Property Type Single Family Residence

Price Type --

Welcome to Mays Pond, where this fantastic two-story home awaits you! Nestled on a corner lot, it displays veneer accent details, 3-car garage, & a lovely mature landscape. Fabulous interior boasts tons of natural light, designer paint, vaulted ceilings, stylish light fixtures, and tasteful flooring - wood & soft carpet. Enjoy the formal living/dining room and a separate family room with a fireplace, media niche, & French doors to the back! The impressive kitchen has SS appliances, granite counters, mosaic tile backsplash, ample cabinets, a breakfast bar, and a bay window. Seperate den downstairs with built-ins. Large main bedroom upstairs, offering an ensuite with dual sinks, soaking tub, & a sizable walk-in closet. Outback, you have fruit trees & a paver-covered patio to relax. Just WOW This was a builders home! 3rd bedroom was converted into an amazing walk in closet.

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6364 E Star Valley Circle Mesa, AZ 85215

$650,000

3 Beds

2.5 Baths

2,432 SqFt

Status Active

MLS # 6786077

Property Type Single Family Residence

Price Type --

A MUST see if you are looking for a whole lot of classy design, long range mountain views, close up golf course views, entertaining space, in and out, your going to love it! Now, priced to sell with Original Owners who maintained and improved the home continually ie.. new roof 2022, new vinyl windows with lifetime warranty, new AC 2018, and much more. Wait until you see the great location with golf course views! The back yard has every thing you need for complete enjoyment and entertaining, even a putting green. Additional goodies, super BBQ &Firepit

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13218 W Castlebar Drive Sun City West, AZ 85375

New

$650,000

3 Beds

2 Baths

2,880 SqFt

Status Active

MLS # 6783119

Property Type Single Family Residence

Price Type --

Exceptional 3 bedroom remodel on the 17th hole of the Briarwood Golf Course/CC. The $100k remodel won't disappoint. Enjoy the stylish kitchen w/ KitchenAide S/S appliances. KraftMaid cabinets and a HUGE island makes it an inviting place to gather. All 3 bedrooms have walk-in closets along with 1.75 updated bathrooms. The remodel includes luxury laminated flooring, solar glass double pane windows/screens, and sliding glass doors. Additionally, new paint thru-out, newer roof ,water main, upgraded landscaping, and outdoor patio. other bonuses are louvered shutters, 4 solar tubes, newer electric hot water heater, covered screened in patio, new garage door opener w/remotes, and updated irrigation system. Also included BFS Home Warranty through July 2025. Also enjoy desirable N/S orientation

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20389 N 54th Avenue Glendale, AZ 85308

$650,000

4 Beds

2 Baths

2,119 SqFt

Status Active

MLS # 6785779

Property Type Single Family Residence

Price Type --

Discover this beautifully maintained home in one of the valley's most sought-after lake communities. This home offers the perfect blend of convenience and style, showcasing a spacious three-car garage with plenty of storage, gorgeous wood floors, plantation shutters, and vaulted ceilings. The open-concept kitchen, with its lovely granite countertops, white cabinetry, and sleek stainless steel appliances, seamlessly flows into the family room, creating an ideal space for both entertaining and relaxing after a long day. Enjoy your outdoor living space with a covered back patio, lush green grass, and mature trees, creating a peaceful, private retreat. Ideally located near the 101, you'll enjoy easy access to everything you need. Don't miss out on the opportunity to make it yours!

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1245 N Windmill Way Chino Valley, AZ 86323

$650,000

3 Beds

2 Baths

2,304 SqFt

Status Active

MLS # 6787306

Property Type Single Family Residence

Price Type --

FABULOUS Multi-Generational HORSE SETUP on 5.22 Fully Fenced Acres with a 17 GPM Well, Outstanding VIEWS, & easy access only .7 miles off Black Top. Home features 3Bedrooms/2Bathrooms/2.5CarGarage, 16'' Travertine Tile & Carpet for flooring, Ceiling Fans, GREAT ROOM Concept on both levels, Formal Dining Room & a massive Covered Deck on Upper level creating a massive Covered Porch on Lower Level. Kitchen is well appointed with Knotty Hickory Cabinetry, Corian Countertops, Eat-In Kitchen area, Quality Appliances (inc. Fridge, Oven/Range, Micro, New Dishwasher, & Washer/Dryer in Laundry all conveying). Upper floor also has Knotty Hickory/Corian in Family Room. Primary Bedroom is spacious, has dual Sinks, Jetted Tub/Separate Shower & large Walk-in Closet. Other amenities include NEW ROOF Pipe Fenced Perimeter, Cross fenced, 3 Auto Waterers, Hay Barn, Mare Motel, Large Shade structure, Workshop area in garage, & Zoning allows just over 10 Hooved animals.

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