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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3820 W Mcneil Street Laveen, AZ 85339

$644,900

4 Beds

3 Baths

2,646 SqFt

Status Active

MLS # 6763947

Property Type Single Family Residence

Price Type --

2 homes in one! Better than new NEXT GEN home built in 2023 looks like a model...the sold out Trillium floor plan IS AVAILABLE NOW WITH A PREMIUM CORNER LOT. With thoughtful details and luxurious upgrades throughout, this home invites you to experience Arizona living at its finest. The heart of the home is an open, airy living space that flows seamlessly into the gourmet kitchen complete with a walk-in pantry, gas range, large center island. The Lennar Platinum Package brings a touch of sophistication, featuring granite countertops, Sonoma Maple Linen (white) cabinets that brighten the space, and wood-like plank tile flooring that adds a warm, natural charm. The 10' ceilings provide an extra sense of openness, making the entire home feel... spacious and light-filled. The attached apartment offers complete independence with its own full kitchen, cozy living room, full bedroom, bathroom, and a private entrance to it's own single car garage and outdoor space - INCOME POTENTIAL! Whether it's for multi-generational living, a guest suite, professional office or even rental income, this space allows you to personalize it to fit your lifestyle. And when you're ready for some privacy, the owner's suite, tucked away in the back of the home, provides the perfect retreat. The upgrades are seemingly endlessSchlage Encode smart entry locks, a Ring Doorbell Pro, and a fully integrated alarm system with sensors that offer peace of mind. Step outside and you'll find an ultra-private, professionally landscaped backyard that feels like your own personal oasis. Enjoy beautiful mountain views while you relax or entertain in your serene outdoor space. Located in the thriving and growing community of Laveen, this home is not only beautiful but also perfectly situated with convenient access to 202. This home offers so much more than just four wallsit's a lifestyle, a retreat, and a place to create lasting memories. Don't miss this opportunity!!

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14383 W Coronado Road Goodyear, AZ 85395

$644,900

4 Beds

2.5 Baths

3,020 SqFt

Status Active

MLS # 6773453

Property Type Single Family Residence

Price Type --

Beautiful home in the EXCLUSIVE CORTILE GATED community in Palm Valley. 9/24 HVAC. 10/24 3 color Exterior Paint/Walls. Rock Veneer. 3 Car Garage w/ Charging Station. Paver Driveway & Walkway. Tall Ceilings in this Semi-Open layout w/ Separate Living, Dining & Family Rooms off kitchen. Gourmet Kitchen has SS Appliances, Quartz Countertops, Large Pantry, Staggered Cabinets, Mosaic Tile Backsplash & Large Island w/ Sink. Den/ Office/Playroom/Workout room! Spacious main bedroom boasts an ensuite w/ 2 vanities, soaking tub, & large walk in closet. Perfect SO backyard w/ nice patios & Playset. Winter Rye Seeded. Beautiful Recreation Center w/ Swimming Pool/Spa, Golf Course, Pickleball, Tennis & Children's Play Area. Close to I-10, 303, Great Restaurants, Shopping, Theaters and Hiking.

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3017 W Sahuaro Drive Phoenix, AZ 85029

$644,900

5 Beds

2 Baths

2,143 SqFt

Status Active

MLS # 6510059

Property Type Single Family Residence

Price Type --

Currently a very successful Air BnB! Fully renovated 5 BEDRM & 2 BATH Luxury Home is located in the center of Phoenix. Walking distance to shops and restaurants. 15 miles to PHX Cardinal football Stadium and Suns basketball arena. This Home features - Diving Solar Heated Pool - 2 Stall Garage with brand new door and myQ Opener - Walk-in Closet - Indoor Fireplace and outdoor firepit - new front/back landscape (pavers/tuff) - Vaulted ceilings - new heater - Freshly painted inside/outside.

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7233 W Corrine Drive Peoria, AZ 85381

$644,900

4 Beds

3 Baths

1,982 SqFt

Status Active

MLS # 6510891

Property Type Single Family Residence

Price Type --

This fully renovated 4 bedm, 3 bath Luxury Home, is currently a very successful AIR.B.n.B. Walking distance to shops and restaurants. 7 miles to PHX Cardinal football Stadium / Westgate District. This Home features - Solar Heated Play Pool with connected Spa - 2 Stall Garage - Walk-in Closet - Indoor Fireplace - new front/back landscape (pavers/tuff) - Vaulted ceilings - New water heater - Freshly painted inside.

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9310 S 182nd Lane Goodyear, AZ 85338

$644,900

4 Beds

3 Baths

2,851 SqFt

Status Active

MLS # 6707263

Property Type Single Family Residence

Price Type --

Welcome to Estrella Mountain in Goodyear, Arizona. This beautifully remodeled home features modern finishes throughout, enhanced by the added benefit of solar power for energy efficiency. Enjoy the best of Arizona living with local amenities including scenic hiking and biking trails, pristine parks, and access to the residents-only Starpointe Residents Club and Presidio Residents Club, which offer pools, fitness centers, and more. Conveniently located, this home is just a 30-minute drive from Sky Harbor International Airport, Sports enthusiasts will appreciate the quick 25-minute drive to State Farm Stadium, and military personnel will benefit from the proximity to Luke Airforce Base, only 20 minutes away. Don't miss this great home with views & a private yard with sparkling pool!

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34946 N Jacobs Road San Tan Valley, AZ 85144

$644,900

3 Beds

2.5 Baths

2,692 SqFt

Status Active

MLS # 6716316

Property Type Single Family Residence

Price Type --

This Fulton-built gem features OWNED SOLAR, ensuring low energy bills, along with a spacious 3 bed, 2.5 bath (plus den) layout and a 4 car fully insulated garage. Imagine strolling to the private resort-style pool or enjoying a game of pickleball, just steps away! But that's not all - picture yourself unwinding in your backyard oasis, complete with stunning views of the San Tan Mountains and privacy with no rear neighbors. Inside, the upgraded gourmet kitchen is a chef's dream, equipped with upgraded appliances and a built-in sound system for the perfect ambiance. With a walk-in pantry for all your storage needs, this home checks all the boxes for modern living. Garage is equipped with 240V outlet. Simply Safe system transfers with home.

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3817 E Irma Lane Phoenix, AZ 85050

$644,900

4 Beds

2 Baths

1,782 SqFt

Status Active

MLS # 6743565

Property Type Single Family Residence

Price Type --

Explore your dream home in Wildcat Ridge with this 4-bedroom gem that backs onto an open, unobstructed area. This property features vaulted ceilings, wood and tile floors, and plantation shutters. The spacious living room and bright great room offer perfect spaces for relaxation and entertainment. The kitchen is a chef's delight with white cabinetry, built-in appliances, a pantry, sleek granite counters, and a center island with a breakfast bar. The main suite provides a serene retreat with a private bathroom boasting dual sinks, a soothing tub, and a walk-in closet. Added convenience comes from a laundry room with extra storage. Outdoors, enjoy a covered patio, paver patio, and ample space for gatherings. It won't disappoint! Experience this captivating abode yourself! Easy access to Desert Ridge Marketplace, High Street, Marriott, Golf, American Express, Mayo Hospital and ASU medical campus. Then jump on the 101 for easy access to Scottsdale, Spring training, airport and more.

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4823 E Presidio Road Scottsdale, AZ 85254

Open House

$644,900

3 Beds

2 Baths

1,750 SqFt

Status Active

MLS # 6737405

Property Type Single Family Residence

Price Type --

New Photos Coming, Beautiful updated home in desirable 85254. No HOA. Single level, 3BR/2BA/2CG. Formal LR/DR and family room with fireplace are great for entertaining. Updated Quartz countertops throughout. Large backyard, with new turf and putting green with plenty of room for a pool. Please inquire with any questions.

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2825 N 42nd Street Unit 11 Phoenix, AZ 85008

$644,888

3 Beds

4 Baths

2,229 SqFt

Status Active

MLS # 6671892

Property Type Single Family Residence

Price Type --

This sophisticated and contemporary residence boasts three spacious master suites in addition to generously sized rooms for office use. The main level presents an expansive open floor plan featuring a gourmet kitchen, a generously sized great room, a convenient half bath, and direct access to a two-car garage. 2 of the master suite offers substantial walk-in closets and full baths complete with dual vanities. The rooftop patio provides a delightful vantage point for glimpsing mountain views. The sought-after Edgemont community provides residents with access to a pool, a gated pet park, and a BBQ grill. Conveniently located less than two miles from Arcadia's fashionable dining venues, shops, the 202 freeway, minutes away from the Biltmore, Downtown Phoenix, and the Airport. location Location!! Location!!

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10133 S Bickwell Trail Apache Junction, AZ 85120

$644,823

5 Beds

4 Baths

3,094 SqFt

Status Active

MLS # 6768151

Property Type Single Family Residence

Price Type --

Discover a unique home and buying experience at Laurel at Blossom Rock! This 2-story Heritage design is currently under construction and features a spacious, open-concept floorplan. The inviting kitchen flows seamlessly into a bright great room that opens to a private, covered outdoor space, perfect for relaxing or entertaining. The 3-car garage includes a convenient drop zone, and the home offers 5 bedrooms, 4 bathrooms, a great room, and a kitchen with an island. Plus, $61,000 in premium upgrades are already included, and special financing options are available. The home is anticipated to be completed by September. Blossom Rock is designed for outdoor living, with community parks, miles of scenic trails, beautiful lakes, and signature events that bring the community together.

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24393 N 169th Drive Surprise, AZ 85387

$644,000

4 Beds

3 Baths

2,862 SqFt

Status Active

MLS # 6759147

Property Type Single Family Residence

Price Type --

**NEXT GEN HOME BY LENNAR GIVES YOU 2 HOMES IN 1!** Immaculate home we know you are going to love. The first thing you'll notice is the fantastic curb appeal & great landscaping. This gem has 3 bedrooms & 2 baths in the main home & a casita with its own entrance, living room, kitchen, bedroom, laundry, & bath. The main house has an open floor plan with a huge living room. The kitchen offers island with breakfast bar, granite countertops, pantry, contemporary cabinets, & stainless steel appliances. Spacious bedrooms, neutral color paint, and wood-like tile flooring through the main living areas. Water softener & custom fans have been added. The backyard features a covered patio & is ready for your dream vision of landscape. Located on a Huge Lot in the stunning community of Asante!

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2225 N 22nd Street Phoenix, AZ 85006

$644,000

4 Beds

2 Baths

2,087 SqFt

Status Active

MLS # 6763055

Property Type Single Family Residence

Price Type --

Welcome to your future home! This stunning 4-bedroom, 2-bath property, completely rebuilt in 2018, offers modern living in the heart of central Phoenix. The open-concept design features soaring vaulted ceilings and sleek concrete floors, creating a fresh, contemporary atmosphere. This home effortlessly blends sophistication with functionality. The kitchen features plenty of cabinet space and a walk-iin pantry and flows seamlessly into the living and dining spaces, making it perfect for both everyday living and entertaining. The spacious, light-filled split master bedroom offers views of the backyard and pergola. Outside, the low-maintenance backyard is ideal for pets, hosting gatherings, or simply relaxing under the inviting patio.

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