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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37565 W Padilla Street Maricopa, AZ 85138

$639,990

4 Beds

3.5 Baths

3,240 SqFt

Status Active

MLS # 6699191

Property Type Single Family Residence

Price Type --

Welcome to luxury, Maricopa! It's time we embrace the magnificence of new home construction previously seen in Scottsdale and the East Valley. Introducing the captivating Sedona floorplan, offering both a flexible activity room and a media room to suit your lifestyle. Your expansive gourmet kitchen is adorned with stacked cabinetry, buffet-style lowers, a gas cooktop, and double ovens. Retreat to your indulgent Ultra Spa Shower, entertain on the patio, or access your recreational gear from the THREE CAR GARAGE! Ready for immediate Move-In! ^^Up to 6% of Base Price can be applied towards closing cost and/or short-long term interest rate buydowns when choosing our preferred Lender. Additional eligibility and limited time restrictions apply.

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37627 W Padilla Street Maricopa, AZ 85138

$639,990

4 Beds

3.5 Baths

3,240 SqFt

Status Active

MLS # 6704039

Property Type Single Family Residence

Price Type --

Introducing luxury living, Maricopa! Step into the allure of this Sedona floorplan, offering both a versatile activity room and a convenient home office. Your expansive gourmet kitchen boasts stacked cabinetry, buffet-style lowers, a gas cooktop, and double ovens for culinary perfection. Unwind in your luxurious freestanding tub, entertain on the patio, or store your belongings in the spacious THREE CAR GARAGE! Discover why K. Hovnanian stands as the epitome of Lasting Value in homebuilding. Don't miss your chance to move into this home now! Up to 6% of Base Price can be applied towards closing cost and/or short-long term interest rate buydowns when choosing our preferred Lender. Additional eligibility and limited time restrictions apply.

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7647 W Nosean Road Peoria, AZ 85383

$639,990

3 Beds

2.5 Baths

1,982 SqFt

Status Active

MLS # 6717910

Property Type Single Family Residence

Price Type --

MLS# 6717910 Ready Now! The Iris is a single-story home offering 1,982 sq. ft. of living space with 3 bedrooms, 2 bathrooms, a 2-car garage, and a versatile flex room. As the only single-story floor plan at Aloravita South Discovery, this home is designed to impress. The foyer leads to a hallway with secondary bedrooms and a full bathroom. Moving further into the home, you'll find the open kitchen, casual dining area, great room, and flex room. Enjoy Arizona's beautiful weather from your private covered patio. The primary suite features a private bathroom with double sinks and a spacious walk-in closet, making it the perfect retreat.

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11510 E Utopia Avenue Mesa, AZ 85212

$639,990

4 Beds

3.5 Baths

2,800 SqFt

Status Active

MLS # 6761333

Property Type Single Family Residence

Price Type --

''Welcome to the Garnet at Destination at Gateway in East Mesa. This modern desert home features 4 bedrooms, 3 ½ bathrooms, and 2 dens. Enjoy soaring 10-foot ceilings, 8-foot doors, and a gourmet kitchen with a 36-inch gas cooktop, wall oven, built-in microwave, and refrigerator. The kitchen boasts white shaker cabinets with champagne bronze hardware, quartz countertops, and a tile backsplash. The open great room leads to a covered patio through a 4-panel sliding glass door. This home also includes washer and dryer, and features wood-look tile throughout. ''

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7593 W Smoketree Drive Peoria, AZ 85383

$639,990

4 Beds

3 Baths

2,150 SqFt

Status Active

MLS # 6767735

Property Type Single Family Residence

Price Type --

Brand new community in North Peoria! This stunning single story home offers 2,150 sq ft of functional living space. It features 4 bedrooms, 3 bathrooms, den, and a 3-car tandem garage. The open concept kitchen is perfect for entertaining and features a large Island, walk-in pantry and stainless steel appliances with gas range. It also offers our Timeless Palette which includes white painted 42'' cabinets, ivory quartz kitchen countertops, arctic white kitchen backsplash, and 6x24 wood looking plank tile in all the common areas. The great room offers a 4-panel center sliding glass door so you can step out into your covered patio to enjoy indoor/outdoor living in your backyard with friends and family. Great location close to dining, freeways, parks, and entertainment!

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11464 E Utah Avenue Mesa, AZ 85212

$639,990

3 Beds

2.5 Baths

2,702 SqFt

Status Active

MLS # 6761747

Property Type Single Family Residence

Price Type --

Welcome to the Sunstone floorplan in East Mesa's Destination at Gateway. This craftsman-style home offers 3 bedrooms, 2.5 baths, and an additional teen room. It features 10-foot ceilings, 8-foot doors, and a 4-panel sliding glass door connecting the great room to the covered patio. The gourmet kitchen includes a 36'' gas cooktop, wall oven, built-in microwave, butler's pantry, charcoal-stained shaker cabinets, quartz countertops, and designer tile backsplash. Main areas have wood-look tile, with upgraded carpet in bedrooms. The primary bath boasts an enlarged shower, soaking tub, and matte black fixtures throughout.

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4114 W La Mirada Drive Laveen, AZ 85339

$639,990

4 Beds

3 Baths

2,163 SqFt

Status Active

MLS # 6763741

Property Type Single Family Residence

Price Type --

Former Model! PHOTOS ARE OF MODEL HOME! This single-story home has a unique layout that works well for families who need lots of space. This brand-new home has everything needed for modern living contained to a single level. Three bedrooms are located off the foyer, leading to an open-concept living area where the kitchen, dining and living areas share a footprint. The owner's suite is tucked into a private corner at the back of the home for optimal comfort. A two-bay and attached RV garage complete the home. This home also has our platinum package including Quartz counter tops , Sonoma Cherry Slate cabinets, and upgraded 6x24 plank tile flooring.

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17139 W Hackamore Drive Surprise, AZ 85387

$639,945

4 Beds

3 Baths

2,660 SqFt

Status Active

MLS # 6771863

Property Type Single Family Residence

Price Type --

MLS#6771863 January Completion! Experience the perfect blend of multigenerational living in this thoughtfully designed home. Step through the inviting porch and into the foyer, where you'll find a separate wing featuring three bedrooms, a private multi-gen living area, two bathrooms, and a one-car garage with its own dedicated entry. As you move further inside, a formal dining room sits across from a powder room and a laundry area, along with access to the two-car garage. At the heart of the home, the open-concept design showcases a spacious great room seamlessly connected to a kitchen with an island, casual dining space, and covered outdoor living. The primary suite is tucked away for privacy complete with a spa-inspired bathroom and a generous walk-in closet. Structural options include: paver front porch, garage service door, interior door at multi gen living suite, tile super shower at primary bath, and gourmet kitchen.

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20815 W Canyon Drive Buckeye, AZ 85396

$639,900

2 Beds

2 Baths

2,125 SqFt

Status Active

MLS # 6743163

Property Type Townhouse

Price Type --

Discover one of the most pristine golf course villas in the Vallarta neighborhood of Verrado, perfectly situated at the base of the White Tank Mountains along the 5th fairway of the Verrado Golf Club Founders Course. This stunning residence offers breathtaking panoramic views of the golf course and mountains. Nestled within a picturesque gated community, this villa provides access to exclusive amenities, including a pool, spa, and BBQ area, in addition to the full range of facilities available to all Verrado residents. Impeccably designed with exceptional attention to detail, this home is upgraded with features that cater to the most discerning buyers. The backyard retreat is truly extraordinary with an extended covered patio, travertine decking, private pool and fire pit— a perfect setting for entertaining friends and family year-round. Don't miss the chance to experience this extraordinary property. Schedule your private tour today!

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3432 E Strawberry Drive Gilbert, AZ 85298

$639,900

4 Beds

3 Baths

2,080 SqFt

Status Active

MLS # 6759348

Property Type Single Family Residence

Price Type --

This stunning, highly upgraded, ready-to-move-in single-level home offers 4 bedrooms, including a guest suite, and 3 bathrooms, in the highly desirable Bridges Gilbert community. Situated on a premium greenbelt corner lot, this home features an inviting built-in fireplace and an Arizona room for extra comfort and over $75K in upgrades. The kitchen is equipped with stainless steel appliances, a gas stove, and tile flooring, with carpet only in the bedrooms. The private, low-maintenance backyard with no rear neighbors is perfect for relaxation or entertaining. Ideally located near shopping, freeway access, and A+ rated schools, The Bridges at Gilbert provides bike paths, playgrounds, a splash pad, lakes, and more, all within walking distance of Gilbert Regional Park!

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920 E Mitchell Drive Unit 102 Phoenix, AZ 85014

$639,900

3 Beds

2.5 Baths

2,212 SqFt

Status Active

MLS # 6766489

Property Type Townhouse

Price Type --

Jaw dropping modern townhouse in prime location of Phoenix. This townhouse offers you 2200 sq ft of real estate heaven. 3 bedrooms, 2.5 bath, and 2 car garage. Vaulted ceilings in living room with an open kitchen concept. Unit has a rooftop deck thats accessible by a spiral staircase off the great room balcony. Master bedroom has an amazing ensuite that includes dual vanity, walk in shower w/ separate tub. Kitchen includes granite countertops, ss appliances, wine fridge, custom paint through out, store front windows with coverings, ceramic tile through out main floor and luxury plank vinyl flooring on lower level. Lower level includes 2 bedrooms, full bathroom and family room. This Place will not disappoint!

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15677 W Campbell Avenue Goodyear, AZ 85395

$639,900

5 Beds

3.5 Baths

3,134 SqFt

Status Active

MLS # 6777332

Property Type Single Family Residence

Price Type --

Fully renovated gorgeous home. This stunning 5 bedroom, 3.5 bathroom home combines style, comfort, and modern amenities. Renovation includes but is not limited to new AC, new appliances, new carpet, tile, LVP, new paint interior/exterior, primary bath remodel, epoxy garage floors etc. Step inside to an open-concept layout, where a bright living room flows into a gourmet kitchen with stainless steel appliances, and a central island, perfect for entertaining. The spacious master suite includes a walk-in closet and an en-suite bath with a soaking tub and separate shower. Outside, enjoy a landscaped backyard and covered patio, ideal for relaxation. Located near top-rated schools, parks, shopping, and dining, this home offers both convenience and luxury.

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