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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1514 E Estrid Avenue Phoenix, AZ 85022

$650,000

3 Beds

2 Baths

2,245 SqFt

Status Active Under Contract

MLS # 6747440

Property Type Single Family Residence

Price Type --

2024 Remodel Loaded with Upgrades and New A/C Unit, Picturesque Corner lot with Stunning Mountain Views, Mature landscaping, Living/Dining room features Vaulted ceilings, Clerestory windows, Plantation Shutters, & Elegant Wood-look flooring. The Cozy Family room has an inviting Fireplace for relaxing evenings. The Kitchen comes with a breakfast nook, Quartz counters, Abundant White cabinetry, a Subway tile Backsplash, SS appliances, a pantry, & an Island/Breakfast bar. The versatile den is ideal for an office, study, or a 3rd bedroom. The sizeable main bedroom offers plush carpeting, an ensuite with dual vanities, soaking tub, & walk-in closet. The serene backyard oasis includes a covered patio, stylish pavers & a lawn. Make it yours!

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3702 E Laurel Lane Phoenix, AZ 85028

$650,000

3 Beds

2 Baths

1,680 SqFt

Status Active

MLS # 6738884

Property Type Single Family Residence

Price Type --

Fabulous home in a fabulous location! This stylish mid-century modern home offers lots to enjoy inside, outside, and in the area. The backyard is perfect for the summer days and nights with a sparkling pool, new no-maintenance grass, BBQ, and picnic area. Inside you will enjoy tile flooring and new carpet, a new kitchen with quartz counter tops, new cabinetry, back splash and extra cabinet space by dining. Bathrooms have been remodeled with the mid-century style. Great storage and space in the laundry room. Minutes away from hiking, golf, shopping and dining and the new PV mall re-development. Kierland/Scottsdale Quarter and the Biltmore are just short drives away. Easy access to the 51 and 101 freeways to bring you all over the Valley easily.

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5734 S Veneto -- Mesa, AZ 85212

$650,000

5 Beds

3 Baths

2,952 SqFt

Status Active Under Contract

MLS # 6717738

Property Type Single Family Residence

Price Type --

PRICED $50k BELOW the competition and the cost to build this home brand new. Why wait 6+ months for build time when you can move in NOW??? This NEW home boasts endless upgrades and high end finishes throughout. The heart of the home, the kitchen, is designed for both beauty and functionality. With high-end appliances, ample counter space, and elegant cabinetry, it's a chef's dream come true. This home has also just undergone a thorough inspection by a trusted third party for the one-year builder walkthrough. A transferable builder warranty, ensuring continued satisfaction for years to come is also included. Outside, the possibilities are endless in the backyard, awaiting your personal touch to transform it into your dream oasis. Don't miss out on the BRAND NEW GEM!! Whether you envision a serene retreat with lush landscaping or an entertainer's paradise complete with a pool and outdoor kitchen, this space is primed for your imagination. Experience luxury living at its finest in this meticulously crafted home, where every detail has been thoughtfully considered for both style and practicality.

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41806 N Shadow Creek Way Anthem, AZ 85086

$650,000

3 Beds

3 Baths

2,432 SqFt

Status Active

MLS # 6759521

Property Type Single Family Residence

Price Type --

Mountain and City Lights VIEWS along with Dramatic Sunset VIEWS! This house has SOLAR panels which helps eliminate electric bills!!! CASITA with full bath and it's own HVAC unit. 2.5 car garage so you can have a spot for 2 cars and your golf cart! Courtyard with gate. Wood blinds. Custom closets. Upgraded appliance package. Gas indoor fireplace and exterior gas firepit. Washer and dryer convey. Maple cabinets. Upgraded lighting. built in BBQ in backyard. Security system. Thermal break/low E windows, water softener, and reverse osmosis. Motorized sun shades. Hot tub conveys. Beautifully upgraded backyard and courtyard. HVAC is newly updated. Rain gutters. Will feel like you're going home when you walk inside. Another turnkey opportunity in Anthem Country Club for the most discerning Buyer! This home will blow your socks off! Country Club Lifestyle with Resort Style Amenities...Anthem Country Club is managed by Club Corp which offers many great benefits to members that reciprocate around the world! Two 18 hole golf courses, Persimmons and Ironwood, designed by Greg Nash. 2 Pro shops, 2 sets of men's and women's lounges / locker rooms, 2 member restaurants, 2 gyms, 2 pools, 2 spas, several tennis courts, Gorgeous Ball Room for ongoing Member events and private events venues available as well, 2 Impressive guard gated entrances, all surrounded by breathtaking mountain and golf course views...you will love being a member of the Anthem Golf & Country Club!

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19743 W Exeter Boulevard Litchfield Park, AZ 85340

$650,000

4 Beds

2.5 Baths

2,982 SqFt

Status Active

MLS # 6722040

Property Type Single Family Residence

Price Type --

Looking for a new home? This fantastic 4 bed, 2.5 bath residence now on the market is for you! Charming curb appeal, a low-care landscape, and a 3 car tandem garage are just the beginning. Discover a spacious dining & living areas w/elegant wood-look flooring, recessed lighting, and neutral palette throughout. The fabulous kitchen is equipped w/everything you'll need for home cooking, ample cabinetry, a pantry, quartz counters, SS appliances, and an island complete w/a breakfast bar. Upstairs you'll find a sizeable loft perfect for an entertainment area. End your busy day in the primary bedroom, boasting soft carpet, a walk-in closet, and an ensuite w/dual sinks. Finally, the expansive backyard w/its covered patio is a blank ready to become your own private oasis! Don't miss out!

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14421 N Prickly Pear Court Fountain Hills, AZ 85268

$650,000

3 Beds

2 Baths

1,838 SqFt

Status Active

MLS # 6738052

Property Type Single Family Residence

Price Type --

WOW a big price reduction, lowest 3 bedroom SFPrice Welcome to this beautiful home located in the highly sought-after golf community of Sunridge Canyon!, This is a true 3 bedroom home (all have closets). Tucked away against a backdrop of open space, this property offers a peaceful escape. and views of the Town of Fountain Hills and very close to the Golf Course . HVAC new 2018/Nothing to do but move in and enjoy life in beautiful Fountain Hills. This single level home offers a formal dining room / kitchen with breakfast bar and breakfast room overlooking the yard / 3 Full bedrooms one is set up from a perfect office/den Nice location allows for e-z access to all community amenities including Golden Eagle Park/Pickle Ball courts and more/ just a short drive to shops and restaurant

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2616 S Extension Road Mesa, AZ 85210

$650,000

4 Beds

2 Baths

2,094 SqFt

Status Active

MLS # 6752935

Property Type Single Family Residence

Price Type --

Welcome to your beautifully updated oasis, with NO HOA! This stunning home boasts a plethora of recent upgrades, including a brand-new HVAC system installed in May 2022, a new water heater in March 2022, and a complete plumbing overhaul with top-of-the-line Kohler and Moen fixtures. Step into luxury with a remodeled master shower featuring Tanner materials and indulge in the modern convenience of new interior doors throughout. Enjoy the ambiance of new light fixtures, adding elegance to the coffee nook, kitchen island, and bathrooms. The backyard is a paradise with newly installed turf, drip irrigation, and vibrant plants offering privacy and tranquility. Retreat to the pool area, where a NEW heated saltwater pool awaits, complete with a corner table, waterfall, Baja step, and multicolor lights. With interior accent walls, matte black cabinet handles, and a suite of brand-new LG appliances, this home is as stylish as it is functional. Don't miss the chance to make this your dream home - Easy access to Mesa CC, shopping & 60 fwy! 15 minutes from PHX airport and a quick drive from Tempe/ASU!

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16600 N Thompson Peak Parkway Unit 1053 Scottsdale, AZ 85260

$650,000

3 Beds

2 Baths

1,674 SqFt

Status Active

MLS # 6774524

Property Type Townhouse

Price Type --

Ground floor unit all one level, city light views, 3 bed, 2 bths, remodeled throughout, quartz countertops, large format tile flooring, shutters in greatroom, gas fireplace, and 2 patios. Steps from community pool, spa and fitness workout room. Walking distance to Basha's Supermarket, restaurants, salons, and animal clinic. Close to hiking trails and golf. Access to McDowell Mtn community pools, including lap pool, spas, tennis and pickleball courts, playground and events. Aquatic center near by with skate park, lap pool and fitness center.

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4252 E Desert Sky Court Cave Creek, AZ 85331

$650,000

3 Beds

2 Baths

1,782 SqFt

Status Active

MLS # 6733020

Property Type Single Family Residence

Price Type --

Your new home in the gated community of Ocotillo at Dove Valley Ranch is sure to check all the boxes! Meticulously maintained, this single-level gem has a private pool, three bedrooms, a versatile den option, a split-great room floor plan, and beautiful desert wash & sunset views from the back. Interior features include neutral tile flooring & carpet in the bedrooms, granite kitchen countertops, stainless appliances, a pantry, and vaulted ceilings. The backyard is perfect for entertaining with a sparkling pool, a covered patio, and views of the natural area open space. The home's exterior was painted April 2024; plus, there are no two-story homes around for ultimate privacy! Beyond your new home, enjoy all Dove Valley Ranch has to offer: one of North Phoenix's finest public golf courses, a clubhouse bar/lounge, and easy access to first-rate schools, parks, hiking, shopping, & more.

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1251 S Honeysuckle Lane Gilbert, AZ 85296

Open House

New

$650,000

4 Beds

2 Baths

1,872 SqFt

Status Active

MLS # 6789063

Property Type Single Family Residence

Price Type --

Great location in Gilbert with single level 4BR/2BA almost 1900SF home, oversized lot, RV gate, pool and solar! Upgraded cabinets in kitchen and baths, granite counters and stainless steel appliances. Newer two tone paint throughout. Vaulted ceilings make this home feel large and spacious. Private backyard with grass, outdoor kitchen and pool is perfect for relaxing and entertaining year round!

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4514 N Kirkwood Avenue Prescott Valley, AZ 86314

Open House

$650,000

4 Beds

2.5 Baths

2,560 SqFt

Status Active

MLS # 6767302

Property Type Single Family Residence

Price Type --

Welcome to this stunning Prescott Valley home featuring a desirable floor plan with a spacious Great Room, versatile Den/Dining Room, and 4 bedrooms, including a luxurious Master Suite. BRAND NEW ROOF in 2023 with a transferable warranty. The Master Suite offers private access to the rear patio, a relaxing garden tub, dual vanities, and an expansive walk-in shower. With 2.5 baths, three additional spacious guest rooms, and a fantastic location, this home has everything you need for comfort and convenience. Ideal for entertaining and everyday living, this is the perfect blend of style and functionality. Don't miss out!

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17006 N 44th Place Phoenix, AZ 85032

Open House

$650,000

3 Beds

2 Baths

2,006 SqFt

Status Active

MLS # 6782203

Property Type Single Family Residence

Price Type --

Beautiful remodel completed in 2021 blends modern comfort and timeless design. This home features 3 bedrooms plus an office with room to convert to a 4th bedroom. Both bathrooms are fully renovated with custom cabinets, quartz countertops and light bright finishes. Hardwood floors throughout the rest of the home - no carpet! Oversized kitchen with ample storage, extended island to seat 6 plus. Brand new windows installed in 2021 and new A/C in 2020. Premier location for local public schools, shopping, dining, all you need. Minutes from the SR51.

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