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

4644 S Pluto -- Mesa, AZ 85212

$647,000

4 Beds

2.5 Baths

2,503 SqFt

Status Active Under Contract

MLS # 6654519

Property Type Single Family Residence

Price Type --

This Highly Upgraded home was built in 2021 & ready to move in now! Gently used, feels brand new!, Home offers spacious 3 bedrooms plus Office. Impressive 4 Panel Double Sliding Wall of Glass, Plank tile throughout home, Double Built In Wall Ovens, 36'' Gas Cooktop, Upgraded 8' Interior Doors, Upgraded Smooth Interior Wall Texture, Color Temp Switchable LED can lighting have replaced std recessed lighting. Newer Turf Grass. Irrigation lines in for trees in back for Privacy & Shade Family & guests will appreciate the upgraded Granite Tops & Sinks in secondary bathroom. The backyard has gorgeous, low maintenance turf, two separate sprinkler lines have been run around the perimeter for future additions.

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27227 N 147th Avenue Surprise, AZ 85387

$647,000

4 Beds

3 Baths

2,000 SqFt

Status Active

MLS # 6707494

Property Type Single Family Residence

Price Type --

REDUCED-SEND OFFERS -MOVE IN READY NEW 2024 BUILD Surrounded by $1,000,000 Homes this 4bd/3bth with Double Kitchen and CASITA. Seller Concessions available!! Boasting ADDED VALUE with a small 500 sq. ft. IN LAWS private entrance Casita ATTACHED to the 1500 sq. ft. home - Supplement AirBNB rental income or IN-Laws Quarters with small Double Masters makes this a very affordable 2000 SQ FT home. Beautiful Mountain Views, Quad trails to Lake Pleasant. Fenced and groomed property. Split Floorplan perfect for the growing family. Additional Plans available for a workshop and added detached two car garage to make 4 car Garage. This is a very unique property designed with value added, nestled around high value mountainside homes. No HOA, Truly one of a kind and a Must See

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25985 W Tonopah Drive Buckeye, AZ 85396

$647,000

5 Beds

4 Baths

4,067 SqFt

Status Active

MLS # 6755613

Property Type Single Family Residence

Price Type --

THIS IS A MUST SEE! Welcome to this stunning, massive home located in the desirable Festival Foothills community! Boasting over 4,000 sq. ft., this spacious property features 5 bedrooms and 4 full bathrooms, including 2 luxurious master suites and a convenient downstairs bedroom and full bath—perfect for guests or multi-generational living. ALL 5 BEDROOMS HAVE WALK IN CLOSETS. The large, entertainer's kitchen is ideal for hosting, with ample space and two pantries, including a walk-in. Enjoy a variety of living spaces with a formal sitting room, living room, and an upstairs loft, offering plenty of room for relaxation or activities. Home has assumable VA loan at 3.65%! Step outside to your own private oasis, complete with a beautiful pool and spa, highlighted by a rock waterfall slide. The home also features owned solar panelsno payments requiredadding incredible energy efficiency! Also includes new hot water heater and water softener system. With no carpet downstairs, ample functional storage throughout, and a 3-car garage, this home is both elegant and practical. Don't miss out on this extraordinary home, it won't last long!

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11049 E Quartet Avenue Mesa, AZ 85212

$647,000

4 Beds

3 Baths

2,280 SqFt

Status Active Under Contract

MLS # 6766763

Property Type Single Family Residence

Price Type --

This stunning 4-bedroom, 3-bathroom corner lot home sits on a sprawling 13,542 sqft lot, offering both luxury and space! With 2,280 sqft of living area, this home features a family room, great room, and an Arizona room, all with tall ceilings, tile flooring, and soft carpet, and large windows that flood the space with natural light. The split primary bedroom includes a full bathroom and a walk-in closet. The kitchen features granite countertops, a large island, a pantry, and beautiful wood cabinets, along with both formal and eat-in dining areas. Outside, enjoy a screened-in patio, a covered patio with a built-in BBQ, and a private heated pool and spa, all set in a professionally landscaped yard with turf and gravel stones. Additional features include a 3-car garage and an RV gate!

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21747 E Roundup Way Queen Creek, AZ 85142

$646,995

3 Beds

3 Baths

2,630 SqFt

Status Active

MLS # 6674425

Property Type Single Family Residence

Price Type --

Enjoy this beautiful Pomona Opportunity with Guest Suite! This true split floorplan provides space to spread out! Your guests will find the spacious Kitchen/Dining /Great Room area quite comfortable for making memories for years to come. Included features: Timeless Stone Creek Collection Interior Design with cool tones. Upgraded Shaker Cabinets, Quart Kitchen Counters, 6X35 Tile flooring, Carpet in Bedrooms. Matte Black Hardware. Insulated 3 Car Garage with 8' Garage Doors, Gas stub at patio, Gas Range at Kitchen, Gas Dryer Hook up, Paver driveway and courtyard and Tankless water heater included!! Elevate your lifestyle today with the Amazing Pomona Floorplan!

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21673 E Roundup Way Queen Creek, AZ 85142

$646,995

3 Beds

2.5 Baths

2,390 SqFt

Status Active

MLS # 6702202

Property Type Single Family Residence

Price Type --

Welcome to Light Sky Ranch and the Pinecrest plan! This 2390 square foot home epitomizes modern luxury and comfort, boasting a well-appointed design that caters to both relaxation and functionality. With three bedrooms, two and a half baths, and a dedicated study, there's ample space for both privacy and gathering. The gourmet kitchen stands as the focal point, featuring quartz counters, upgraded shaker cabinets, and a spacious center island ideal for culinary endeavors or casual meals. The master suite is a tranquil oasis, offering dual closets and a spa-inspired shower for indulgent relaxation. Enhanced by 10-foot ceilings and a multi-slide door, the home is flooded with natural light. Outside, a single-car garage and a 2-car garage offer ample storage for vehicles, outdoor gear, and more. With amenities such as a tankless water heater for efficiency and a charming paver driveway, this home seamlessly blends convenience with sophistication.

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21664 E Roundup Way Queen Creek, AZ 85142

$646,995

3 Beds

2.5 Baths

2,390 SqFt

Status Active

MLS # 6721119

Property Type Single Family Residence

Price Type --

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21680 E Roundup Way Queen Creek, AZ 85142

$646,995

3 Beds

2.5 Baths

2,390 SqFt

Status Active

MLS # 6721113

Property Type Single Family Residence

Price Type --

This Pinecrest plan is on a generous sized lot with a South facing front and borders a community greenbelt in central Queen Creek. The smart floorplan is a 3 bedroom, 2.5 bath, 3 car garage. Interior finishes include 10' ceilings, Gourmet Kitchen appliances with a gas cooktop and a 36'' vent hood, beautifully designed separate tub and large shower with His and Hers closets in the Primary Bathroom, expansive multi-slide glass door system from the Great Room to the covered patio, and much more! Awesome location close to Queen Creek Marketplace, a brand new Costco and Fry's, and all that Queen Creek has to offer.

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4703 N 206th Drive Buckeye, AZ 85396

$646,900

2 Beds

2.5 Baths

2,297 SqFt

Status Active

MLS # 6722802

Property Type Single Family Residence

Price Type --

Introducing this highly desirable Lennar NextGen home, which is ONLY available as a resale in the sought-after Victory at Verrado community. Boasting 2 bedrooms, den, 2.5 bathrooms, 2 great rooms, courtyard, covered rear patio with extended pergola, and two add'l rear patio areas. This open-concept home is perfect for those who love to entertain. The gourmet kitchen is equipped with a gas range, hood, and a spacious island, flowing seamlessly into the eat-in breakfast nook. The NextGen suite has a separate entrance and features a full bathroom, bedroom, living room, and kitchen, providing a private retreat for you or your guests. Plantation shutters add a touch of elegance and privacy to this beautiful home.

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15683 W Mercer Lane Surprise, AZ 85379

$646,694

5 Beds

4 Baths

3,475 SqFt

Status Active

MLS # 6760310

Property Type Single Family Residence

Price Type --

BRAND NEW COMMUNITY. LOCATION LOCATION LOCATION. This one is located East of the 303 and has great accessibility to shopping and freeways. This home is a wonderful 5 BR, 4 bath home with a loft and formal dining and a 3-car garage. Beautiful gourmet kitchen has a large island that opens up to the great room. Upgraded Painted Linen cabinets, quartz counters with a custom backsplash and gourmet appliances. This home has the sought after bottom floor bedroom and full bath as a guest suite. Upstairs you will love the large loft, large secondary rooms with walk in closets and the Owner's suite! Owner's suite has separate tub and shower, two walk in closets and separate vanities! THIS HOME WILL BE COMPLETED IN NOVEMBER. PHOTOS ARE OF A MODEL OF THE SAME PLAN COME SEE THIS ONE

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7326 W Villa Hermosa -- Glendale, AZ 85310

$645,900

3 Beds

2 Baths

2,057 SqFt

Status Active

MLS # 6766305

Property Type Single Family Residence

Price Type --

Welcome to this beautiful 3 bedroom, 2 bathroom home, perfectly located in a cul-de-sac in North Glendale. This home boasts vaulted ceilings, creating an open and airy feel, and a spacious floor plan ideal for comfortable living. With a 3-car garage and an RV gate, there's plenty of room for parking and storage. The backyard is an oasis, featuring a sparkling pool and plenty of space for outdoor entertaining and relaxation. Whether you're hosting summer gatherings or enjoying a quiet evening by the pool, this backyard offers endless possibilities. Conveniently located near shopping, dining, entertainment, and with easy access to the freeway, this home provides both tranquility and convenience. *BONUS Pre-paid Tesla Solar Lease*

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28210 N Crook Court Rio Verde, AZ 85263

$645,000

2 Beds

2 Baths

1,543 SqFt

Status Active

MLS # 6618358

Property Type Single Family Residence

Price Type --

This delightful Desert Retreat entices from arrival with the oversized cul-de-sac homesite. The thoughtfully designed one-level contemporary floor plan emits an abundance of glass that bathes the space in natural light while seamlessly blending indoor and outdoor living. The resort-like back yard is a private oasis, featuring a sleek linear pool, contemporary stacked stone water features and a harmonious mix of desert landscape, artificial turf and citrus trees. The heart-of-the-home is a designer kitchen combining style with functionality. A spacious island with bar seating invites both casual meals and lively gatherings, while the oversized walk-in pantry ensures ample storage space. The attention to detail is evident in every corner enhancing the overall aesthetic. The private primary suite is a sanctuary of comfort, boasting sitting space and a graciously proportioned spa-like bath with generous walk-in closet. The well-appointed guest bedroom and bath are thoughtfully separated from the primary suite, providing privacy and convenience for both residents and visitors. Beyond the allure of the home itself, the Trilogy Verde River Golf and Social Club adds another layer of luxury to the lifestyle. Enjoy breathtaking views of the adjacent Tonto National Forest with panoramic vistas of the Mazatzal Mountains and the iconic Four Peaks. Whether indulging in golf, tennis, pickleball, or unwinding at the spa and fitness center, this community offers a diverse range of amenities. Dining and events further enrich the social fabric, making every day an opportunity to experience the best in contemporary living. Welcome to a home where modern elegance meets Arizona's stunning natural beauty.

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