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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8301 W Escuda Drive Peoria, AZ 85382

$649,900

3 Beds

2 Baths

2,307 SqFt

Status Active

MLS # 6772531

Property Type Single Family Residence

Price Type --

This gorgeous single-level home in a peaceful cul-de-sac is the one for you! Enter through the custom double doors to find a living room that beckons you to unwind and a formal dining room ready to hold special occasions. The kitchen is equipped with built-in appliances, granite counters, a center island, a breakfast bar, and a breakfast nook perfect for casual dining. The primary bedroom boasts direct outdoor access, an ensuite with dual sinks, a walk-in shower, and a huge closet. Venture outside to discover a sizeable low-maintenance backyard with a covered patio, hot tub, and a refreshing pool. This community includes restaurants, AWARD WINNING golf courses, Activity Center, library, pickleball courts and exercise facility to name a few. Join some clubs and watch your calendar fill up!

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5028 Spring Garden Lane Prescott, AZ 86301

$649,900

3 Beds

3 Baths

1,845 SqFt

Status Active

MLS # 6776000

Property Type Single Family Residence

Price Type --

Nestled in the peaceful community of Walden Ranch, this home blends modern comfort with timeless elegance. The low-maintenance stucco exterior and tile roof reflect quality, while the oversized paver driveways and walkways wrap around the property, adding charm. Brick accents, exterior shutters, and board-and-batten details enhance the home's curb appeal. Inside, an open-concept, split-bedroom floor plan greets you with a spacious great room. The kitchen features newly refurbished white cabinetry, quartz counts, center island, and pendant lighting. GE appliances, including a 5-burner gas range and microwave, complete the kitchen, while the adjacent dining area is bathed in natural light from the large windows and a 9-ft slider that leads to the back patio. The master suite offers raised-height dual vanities, a walk-in shower with a built-in seat, and ample closet space. A private door opens to the back patio, where you can enjoy scenic views. Two guest bedrooms come with ceiling fans, and the front bedroom was extended during construction. The first guest bathroom includes a raised-height vanity and a full tub with a shower. The large laundry room, equipped with upper cabinetry and a hanging bar, doubles as a mudroom. With 10-ft ceilings and 8-ft doors throughout, the home feels spacious and open. New luxury wood-look vinyl flooring runs through most of the home, with wood laminate in the bedrooms, offering a carpet-free environment. The expanded, covered back patio overlooks a fully fenced backyard with no neighbors to the east, providing extra privacy. The HOA's deeded open space adds to the tranquility, with views of the Granite Dells and Constellation Trailhead. A storage shed in the side yard and a 3-car tandem garage with smart features, a utility sink, and plenty of natural light complete this thoughtfully designed home.

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15045 N 20th Place Phoenix, AZ 85022

$649,900

3 Beds

2 Baths

1,537 SqFt

Status Active

MLS # 6776568

Property Type Single Family Residence

Price Type --

welcome to this gem in the desert overlooking the city with stunning mountain views. rare remodeled from top to bottom and professionally designed home with attention to detail. home is also available for rent or lease purchase. owner agent with fast answers.

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3540 N Sonoran Hills Mesa, AZ 85207

$649,900

5 Beds

3 Baths

2,475 SqFt

Status Active

MLS # 6780637

Property Type Single Family Residence

Price Type --

Experience upscale living in an award-winning gated community offering an extensive list of amenities such as pickleball & tennis courts, a beautiful boutique-style spa & fitness center, numerous parks & trails, and a world-class golf course. This gorgeous 5-bedroom home features vaulted ceilings, abundant natural light, and spacious kitchen with center island and SS appliances. With an open layout, neutral color palette, and modern finishes, this home gives off a refined sophistication. Retreat upstairs to your luxurious primary suite with covered walk-out balcony to enjoy the beautiful Arizona sunsets. With one bedroom and full bath on first floor and 3 additional bedrooms on the second floor, this home is flexible and functional, as well as elegant. 2021: New laminate wood flooring in upstairs hallway, master bedroom and upstairs south-facing bedroom; kitchen water filtration system installed; new range, refrigerator, and washer/dryer. 2023: UV safe tint on Western facing windows; new dishwasher and microwave.

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349 E Atlantic Drive Casa Grande, AZ 85122

$649,900

6 Beds

3.5 Baths

2,671 SqFt

Status Active

MLS # 6780941

Property Type Single Family Residence

Price Type --

This impressive FULTON home boasts a full basement and solar panels, nestled in a resort-style lake community on over a quarter-acre lot. The residence includes four bedrooms and 2.5 bathrooms in the main living area, as well as two additional bedrooms, a full bathroom, and a bonus room in the basement. Evident pride of ownership shines throughout the property. Updates include new flooring in 2023 and a new gas stove. The backyard is an oasis with lush fruit trees, a built-in BBQ, and ample space for a potential pool.

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14200 W Village Parkway Unit 2254 Litchfield Park, AZ 85340

$649,900

2 Beds

2 Baths

1,723 SqFt

Status Active

MLS # 6781698

Property Type Townhouse

Price Type --

Ready to tee off into the ultimate lifestyle? Cachet at the Wigwam offers an unbeatable value, perfectly located on the 10th hole of the Red Course with stunning golf course views. Step inside to find elegant flooring, soft neutral tones, and a versatile den that offers endless possibilities. The stylish kitchen features large cabinets with crown molding, a tile backsplash, quartz countertops, matching appliances, and a breakfast bar. The primary suite includes a tiled shower, dual sinks, and a spacious walk-in closet. Unwind on the covered patio, taking in the beautiful Arizona evenings under the firepit and breathtaking scenery. Fantastic amenities include a pool, clubhouse, and fitness center. This is AZ outdoor/indoor living at its finest!

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2474 E Westchester Drive Chandler, AZ 85249

$649,900

4 Beds

2.5 Baths

2,884 SqFt

Status Active

MLS # 6782548

Property Type Single Family Residence

Price Type --

LOCATION LOCATION LOCATION! SELLER SPENT $$$$$$ TO REMODEL THE HOUSE, VERY CLEAN AND NICE AND THE BEST QUITE NEIGHBORHOOD

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937 N Vale Street Mesa, AZ 85201

$649,900

4 Beds

3 Baths

3,227 SqFt

Status Active Under Contract

MLS # 6782626

Property Type Single Family Residence

Price Type --

This expansive 3,227 sq ft ranch-style home sits on a generous 17,960 sq ft lot, offering the perfect blend of indoor and outdoor living. Located just minutes from Arizona State University (ASU), Old Town Scottsdale, Sloan Park (home of the Chicago Cubs), and Sky Harbor Airport, you'll enjoy the convenience of being close to great shopping, dining, and entertainment, with easy access to the 202 and 101 freeways. The home features 4 spacious bedrooms and 2.5 bathrooms, with a den that includes custom built-in cabinets. The family room is warm and inviting, centered around a cozy brick fireplace—a perfect spot for family gatherings. The formal dining room boasts elegant wood floors, while the living room features built-in cabinets, adding both character and functionality to the space. Outside, the large private backyard is a true retreat. Enjoy the inviting pool, complete with a custom hydraulic pool cover and a shade structure, making it perfect for relaxing or entertaining. There's also an outdoor shed for additional storage, ideal for tools or gardening supplies. The Arizona Room, with windows that open to the outdoors, brings in plenty of natural light, further enhancing the home's seamless connection to its serene surroundings. This property is an exceptional find, offering ample space, comfort, and a highly sought-after locationperfect for those who want to experience the best of Mesa's living with a private backyard oasis.

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16036 W Sandia Park Drive Surprise, AZ 85374

$649,900

2 Beds

2 Baths

2,273 SqFt

Status Active

MLS # 6733325

Property Type Single Family Residence

Price Type --

Beautifully remodeled Windrose model with too many updates to list here. Triple garage and large fenced yard. Very modern colors with floating custom media wall. Vinyl flooring, granite counter tops, newer Stainless appliances, under cabinet kitchen lighting, inside laundry, pavers and cool decking on the back patio and fenced front courtyard. HVAC system replaced in 2018. Outside painted recently; newer PVC irrigation with drip system and new control box. Newer sinks, lighting and painted cabinets throughout - plus so much more.

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11910 E Amanda Road Gold Canyon, AZ 85118

$649,900

3 Beds

2 Baths

1,987 SqFt

Status Active

MLS # 6753721

Property Type Single Family Residence

Price Type --

A MUST SEE Home in Gold Canyon. Photos don't do justice to this charming 3 bedroom 2 bathroom newer home located in Gold Canyon. Enjoy your time on the front patio morning or night. Inside you will find the 2 additional bedrooms (one with murphy bed) to the right and office to the left. Continuing, the beautiful tile floor leads you into a spacious entertainers kitchen. Kitchen features stainless steel appliances, wall ovens, quartz counter tops, island and dark cabinets. Kitchen opens up to family room which has stunning views. Main bedroom is located off of the family room in the back of the house. Backyard features artificial turf, easy to maintain landscaping and a great space to host!

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4497 S Watauga Drive Gilbert, AZ 85297

$649,900

3 Beds

2 Baths

2,324 SqFt

Status Active

MLS # 6785256

Property Type Single Family Residence

Price Type --

Pride of ownership shines through in one of Gilbert's most sought-after communities! This split floorplan truly appeals to everyone—and I mean everyone. With tile flooring throughout and abundant storage, this home sits proudly on a corner lot, offering an extended covered patio, mature trees, and a ready-to-plant garden. Inside, the open kitchen invites you to entertain, with ample space for gatherings big and small. The centrally located den adds versatility, perfect for a game room or home office. This home is a must-see for those ready to embrace both comfort and community!

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18412 N 48th Place Scottsdale, AZ 85254

$649,900

3 Beds

2 Baths

1,659 SqFt

Status Active

MLS # 6786173

Property Type Single Family Residence

Price Type --

Welcome to Belmont at Triple Crown! This perfect 3-bedroom, 2-bath home offers a convenient lifestyle in the heart of a desirable gated community. Step into a spacious, open-concept floor plan perfect for entertaining with natural light that highlights every room. Enjoy Arizona's sunny days and beautiful evenings by the private pool, ideal for relaxation listening to the fountain or hosting poolside get-togethers .Resort-Style Amenities: Take advantage of the community pool, spa, fitness center, and clubhouse—all just steps away within this exclusive 85254 neighborhood. Prime Location: Located in Scottsdale, close to top-rated schools, shopping, dining, and more.

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