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

2619 S Shannon Drive Tempe, AZ 85282

$640,000

4 Beds

2 Baths

2,155 SqFt

Status Active Under Contract

MLS # 6772715

Property Type Single Family Residence

Price Type --

Recently Renovated Charmer! Great chance to be in central Tempe location with all the work done for you! This is one sexy house with all the new finishes! All new bathrooms! Kitchen opened up and makes it feel so much bigger! Tile everywhere but bedrooms which have new carpet! Nice sized secondary bedrooms too! Roof approx 5 yrs, 2 newer water heaters, pool has newer pebble finish, new patio roof, the list is endless! AMAZING location with one of the largest lots in the subdivision! Don't miss out on the ''back'' backyard! Easy walk to elementary and middle school! Easy freeway access, great shopping and restaurants close by! NO HOA! Turn it into a short term rental? Would even be great as an ASU rental!

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2276 W Periwinkle Way Chandler, AZ 85248

$640,000

4 Beds

2 Baths

1,961 SqFt

Status Active Under Contract

MLS # 6777924

Property Type Single Family Residence

Price Type --

Single level home in Ocotillo near the Ocotillo golf course. Home was remodeled in 2020 with beautiful flooring, light fixtures, & baths. Corner lot with 3 car garage which includes wiring for EV charging. Inside you'll find beautiful wood like floowing throughout the home, bright and open formal dining & living space that continues into the family room / kitchen area. Beautiul granite counters, white cabinetry, stainless steel appliances, pendant lights, and an island. The family room has a fireplace. Large sliding glass door opens to a covered patio, pool and backyard space. Primary bedroom faces the backyard and the primary bath, has a separate tub, beautilful shower with separate toilet area. One of the secondary bedrooms could double as an office w/french doors, Solar panels

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8519 E Sandalwood Drive Scottsdale, AZ 85250

$640,000

4 Beds

2 Baths

1,620 SqFt

Status Active

MLS # 6739772

Property Type Single Family Residence

Price Type --

Welcome to your first home in PRIME South Scottsdale! Ideally located just 2.5 miles from Scottsdale Fashion Square, Pavilions shopping, and Talking Stick Casino, this home also offers easy access to the 101 freeway for added convenience. You'll be in the sought-after Scottsdale School District, making it perfect for families or first-time buyers. Whether you're beginning your homeownership journey or growing your family, Sandalwood Dr is the perfect place to create lasting memories. Don't miss your chance—say yes to this address and make it yours today!

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4254 S Winter Lane Gilbert, AZ 85297

$640,000

4 Beds

3 Baths

2,869 SqFt

Status Active

MLS # 6757979

Property Type Single Family Residence

Price Type --

Premium Location and corner lot right across from the park. No neighbors on 3 sides of the home. 4 bedrooms and 3 full bathrooms. There is a large bonus room with real wood flooring. Kitchen has 42 inch Cherry cabinets, kitchen island, and stainless steel appliances. Master bedroom is upstairs with a huge walk in closet, dual sinks, separate tub and shower. Two secondary bedrooms upstairs and one bedroom downstairs with a full bathroom. Epoxy flooring in the garage Beautiful backyard sitting area with view fence over looking the grassy area in the back

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13672 W Jesse Red Drive Peoria, AZ 85383

$640,000

3 Beds

2.5 Baths

2,603 SqFt

Status Active

MLS # 6680532

Property Type Single Family Residence

Price Type --

Welcome to the Desert Paradise known as Vistancia. Nestled adjacent to the mountains you will enjoy an unobstructed view of the mountainous open desert from your entertainer's delight of a backyard. The outdoor entertainment area features mature tropical landscaping, ample ground and decorative lighting, a large rectangular swimming pool including swim up bar stools, shallow sunning deck and lighting. The large pergola covers a fire pit table, large screen television and a chef's delight of an outdoor kitchen. Accent lighting refines the space while enhancing the ambiance. This home is accented with mountain views from the master bedroom, spacious open floor plan, and an exceptionally large garage offering an abundance of closets and storage. The kitchen has been remodeled with New Kitchen Aid appliances. This beautiful home has far too many extraordinary features and benefits to list. It is a Must See on your home shopping tour. The Vistancia lifestyle offers premium, top rated schools, a Home Owner's Association that provides concerts, clubs, poker tournaments, indoor basketball court and family based activities for nearly every holiday. Call for your private tour of this exceptional property in an absolutely wonderful community.

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21386 E Kingbird Drive Queen Creek, AZ 85142

$640,000

5 Beds

3 Baths

2,654 SqFt

Status Active

MLS # 6699836

Property Type Single Family Residence

Price Type --

Looking for a new build but do not want to wait?? Nestled in the serene surroundings of Queen Creek, this property is a blend of modern luxury and comfort, set against the backdrop of spectacular mountain views. With no one behind to obstruct your view this home is a rare find. This exquisite home boasts five spacious bedrooms, and three bathrooms, with a generous interior space of 2648 sq. ft. The moment you step inside you will be greeted with an open floor plan blending living, dining and kitchen areas perfect for entertaining and family gatherings. The kitchen is a chefs dream featuring sleek grey shaker cabinets, Antique Bianco granite countertops, state of the art appliances, including Samsung Bespoke smart fridge. Lighting is upgraded with Pottery Barn fixtures. See more.. Premier primary bathroom with custom tile surround. This smart home comes equipped with the technology offering convivence at your fingertips. Exterior is just as amazing with real grass, sprinkler system, and inviting pavers in the back yard. This home has a full bedroom and bathroom downstairs as well. Community has a heated pool and park with playground right across the street. Home comes with upgraded Samsung Duo washer and dryer as well as a full clothes steamer in the laundry room.

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6346 N 14th Street Phoenix, AZ 85014

$640,000

2 Beds

3 Baths

2,283 SqFt

Status Active

MLS # 6703109

Property Type Townhouse

Price Type --

Welcome to your dream home! This stunning Uptown house with 2 bedrooms, 3 full bathrooms, and office space, and separate den offering ample space for comfortable living. With spacious bedrooms, walk in closet, an open-concept kitchen, separate laundry room, and a private pool, luxury meets functionality here. This house is situated in gated area with a private street. Located in the greatly desired Madison School District only minutes away from Biltmore, PHX airport, downtown Phoenix, and Scottsdale. Enjoy the convenience of a 2-car garage. HOA covers: COX cable with all the movie channels ($130 value), landscaping and maintenance in common areas, as well as landscaping of grass along the front of the house. Don't miss out on the opportunity to make this your new home.

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1596 High Country Drive Heber, AZ 85928

$640,000

3 Beds

2.5 Baths

1,810 SqFt

Status Active

MLS # 6703861

Property Type Single Family Residence

Price Type --

Stunning mountain retreat in High Country Pines nestled on a heavily treed .50-acre homesite on a private cul-de-sac. This 3 BR/ 2.5 BA is more than just a home; it's a sanctuary where nature's beauty surrounds this beautiful cabin. This home boasts a great room with a wood burning fireplace embraced by floor to ceiling river rock, chiseled slab granite in the kitchen with an island, gas stove, tiled backsplash, spacious laundry room with cabinets and sink, bathrooms are stone counters, travertine tiling in the baths/shower, knotty pine interior doors and ceiling, bay windows, central heat /AC, the master has dual vanities and a private balcony. The exterior offers a 2 car garage, flagstone and a firepit. The spacious rear deck brings breathtaking treetop vistas with panoramic views.

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15413 W Alexandria Way Surprise, AZ 85379

$640,000

4 Beds

3 Baths

2,906 SqFt

Status Active

MLS # 6713660

Property Type Single Family Residence

Price Type --

A must see. This 4-bed, 3-bath home in Marley Park! Displaying a 2-car garage, manicured landscape, & a cozy front porch. Fabulous interior features tons of natural light, designer paint, & wood-look tile flooring w/carpet in bedrooms. Discover the welcoming living room, formal dining room, and an inviting family room that opens to the kitchen! SS appliances, granite counters, a walk-in pantry, mosaic tile backsplash, a breakfast bar, & staggered cabinetry w/crown Moulding make up the culinary space. Main bedroom has outdoor access and an ensuite with two vanities, separate tub/shower, & a walk-in closet. Laundry room w/sink & cabinetry. Side patio for a morning coffee! Enjoy the entertainer's backyard with a covered patio, pavers, firepit, hot tub, & a refreshing pool & owned solar.

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2123 E Encanto Street Mesa, AZ 85213

$640,000

4 Beds

3 Baths

2,415 SqFt

Status Active

MLS # 6719577

Property Type Single Family Residence

Price Type --

Newly remodeled tri level home has all the right designer touches. This home features 2 beautiful on suite bedroom/bathrooms. Great for parents or adult children who need the extra space and privacy. The downstairs has a cozy fireplace and sitting room, along with the perfect bathroom including a relaxing soaking tub. The upstairs has a walkout balcony that overlooks a large backyard with sparkling pool. This home is perfect for entertaining with a large kitchen/dining area to fill with friends and family. Step out to the extra large covered patio with a big grassy back yard for the kids to pay. This home has it all even a large RV gate so you can bring all your toys.

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3424 E Wyatt Way Gilbert, AZ 85297

$640,000

5 Beds

2.5 Baths

3,094 SqFt

Status Active

MLS # 6731650

Property Type Single Family Residence

Price Type --

PRICE REDUCED!! HOME IN GILBERT'S DESIREABLE SAN TAN RANCH! 2 story, open concept floorplan with 5 Bedrooms +a huge Loft. Freshly painted interior with updated wood look tile throughout. The upgraded bright, white, eat in Kitchen has newer marble counters, stainless appliances with gas range & hood, farmhouse sink, island, custom tile backsplash, pantry & opens to spacious Great Room. Huge 1st level primary bedroom with separate door to backyard pool! Entertain guests in the Formal Dining Room. Upstairs find an enormous Loft & 4 very spacious Bedrooms with Hall Bath. Sparkling pool with water feature finishes off this great family home. Just needs a little more TLC & you will have an exceptional family home in a great Gilbert location for a value price!

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17320 E Pinnacle Vista Drive Rio Verde, AZ 85263

$640,000

4 Beds

2.5 Baths

2,126 SqFt

Status Active

MLS # 6731827

Property Type Single Family Residence

Price Type --

Charming Single-Story Home on Over an Acre in Beautiful Rio Verde Welcome to this delightful single-story residence, nestled on just over an acre of pristine land in Rio Verde. This property has participated in the EPCOR water solution and has been thoughtfully updated to offer both modern conveniences and timeless appeal. Recent updates enhance the home's charm and functionality, including fresh interior and exterior paint, an expanded back paver patio, new artificial turf, and a fenced-in backyard. The front and rear landscaping has been designed to enhance the home's curb appeal, creating a welcoming environment for you and your guests. The gourmet kitchen is a highlight of the home, featuring top-of-the-line GE stainless steel appliances. A brand-new GE washer and dryer have also been installed, making laundry chores a breeze. The home's 2x6 construction ensures superior energy efficiency, contributing to lower utility costs and a comfortable living environment. Through participation in EPCOR's long-term water solution the property will enjoy reliable and sustainable water service. The property is also located within the SRP service area, ensuring dependable electricity. Experience the serene lifestyle of Rio Verde with this exceptional home that seamlessly blends modern updates with sustainable living. Don't miss this opportunity to own a piece of Rio Verde's charm!

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