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

9237 E Sector Drive Mesa, AZ 85212

$639,900

4 Beds

3 Baths

2,224 SqFt

Status Active

MLS # 6774308

Property Type Single Family Residence

Price Type --

FORMER MODEL HOME! Ready for Quick Move-In. 4 BR + Loft / 3 BA. The home features a gourmet kitchen with white cabinets, black pulls throughout, quartz counter tops in the kitchen and a 'Mosaic Ripple' 2x8 brickwork stacked backsplash. This home features upgraded wood tile flooring throughout the downstairs and carpet flooring in the bedrooms. This home comes included with a Tankless Water Heater, REME Halo Whole House Air Purifying System and a Apple Pod Smart Home Kit.

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15531 W Piccadilly Road Goodyear, AZ 85395

$639,900

2 Beds

2 Baths

2,154 SqFt

Status Active

MLS # 6778730

Property Type Single Family Residence

Price Type --

South facing beautiful golf course home with front courtyard entry. Enchating outdoor living area with outdoor pergola, outdoor kitchen, outdoor bar, Misting system, Personal size Shasta Pool and heater if you want. Great landscaping for your privacy. Owner Solar with new solar converter, and if you have a green thumb a potting station, new heating and air, water softener system located in garage that as extra space for golf cart plus a hand wash sink in garage, front and back yard water system in him RO water system under sink. Sunburst shutters in Bedrooms and custom home office with built in custom cabinetry, Bedrooms both have walk-in closets. Both bathrooms updated. This home impresses with its high ceilings custom designed ET wall with lighting and built-in surround sound system with amplifier with builtin speakers. Great room with gas fireplace, 60in TV and windows have Hunter Douglas custom window treatments. bump out windows in kitchen nook second bedroom, ceiling fans, Stunning granite counters and klithen is upgrades and has under cabinet lighting, Spacious Utility Room. Also garage has storage cabinets. carpet free home, fence backyard. Seller is providing a home warranty.

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13407 W Anapama Drive Sun City West, AZ 85375

$639,900

3 Beds

2 Baths

2,143 SqFt

Status Active Under Contract

MLS # 6659339

Property Type Single Family Residence

Price Type --

Listed for sale, this 3-bedroom, 2-bathroom rare treasure sprawls across 2,143 sq ft and features a 3-car EXPANDED garage alongside a prodigious private swimming pool. Embrace the opulence of this EXPANDED Encanto model situated within the prestigious gated Corte Bella Country Club on a generous sized lot, front large enough to add a Private Courtyard and/or Casita. The 2022 A/C replacement adds to the allure of this exceptional find. Luxury meets comfort within the open and inviting floor plan linking the great room, dining area, and the chef's kitchen - a true spacious haven with a grand granite island, granite countertops and backsplashes, complimenting maple cabinetry, a gas range, and a new refrigerator (2023). Step into the elegance of the primary suite with tile throughout, a bay window, and an expansive walk-in closet(with California Closets) and bathroom with dual sinks and a soaking tub. Guests will enjoy the newer carpeted bedrooms and having a private guest bath with easy hallway access. The private backyard paradise features a recently drained and cleaned pool, updated cool decking (2021), built-in BBQ, outdoor fridge and lush landscaping. Plus, the misting system ensures year-round outdoor enjoyment. With custom-built garage storage, this residence boasts both sophistication and practicality. Don't miss this exceptional opportunity for a home that fulfills every wish on your list - comfort, spaciousness, and the ultimate outdoor living experience.

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19528 N 55th Drive Glendale, AZ 85308

$639,900

5 Beds

3 Baths

2,397 SqFt

Status Active Under Contract

MLS # 6702911

Property Type Single Family Residence

Price Type --

This Home Won ''Best Home On Tour'' in the Glendale Home Tour! You'll LOVE this impressive 5 Bedroom remodel with NO HOA and upgrades around every corner. Gorgeous hickory wood floors. The kitchen has custom cabinets and granite counter tops accented by sleek stainless steel appliances. There's an island w/ seating & pendant lights! The primary bedroom is spacious w/gorgeous views of the green backyard. The primary bath has a garden tub & a glass walled shower.. You won't be disappointed out back either. The oversized backyard offers lush green grass, perimeter trees for shade, a covered patio, a flagstone sun patio, & a gas fire pit. Don't miss the built in barbeque plumbed w/ Natural gas. There's a 3 car garage, an RV Gate with concrete pad and NO HOA. Roof was replaced in 2022

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22908 N Las Vegas Drive Sun City West, AZ 85375

$639,900

3 Beds

2 Baths

2,145 SqFt

Status Active Under Contract

MLS # 6739579

Property Type Single Family Residence

Price Type --

REDUCED!! Welcome to this exceptional Lakeside model featuring three bedrooms and a spacious 2.5-car garage. Ideal for owners with full-size trucks, this home boasts stacked stone accents trimming the front, along with a pergola and a covered back patio. Numerous updates throughout provide modern convenience. Additional amenities include an extra refrigerator in the garage and an owned solar system. Positioned along the 5th hole of the Desert Trails golf course, this residence is nestled within Sun City West, renowned for its nine golf courses, four recreation centers, and numerous pickleball courts.

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10653 N 11th Street Phoenix, AZ 85020

$639,900

3 Beds

2.5 Baths

1,602 SqFt

Status Active Under Contract

MLS # 6756687

Property Type Single Family Residence

Price Type --

Welcome to your dream home! This beautifully remodeled residence in the coveted Pointe Tapatio community offers a perfect blend of elegance and modern comfort. With 3 spacious bedrooms and 2.5 bathrooms spread across 1,602 square feet, this home is designed for both relaxation and entertaining with an oversized lot. As you step inside, you'll be captivated by the high-end finishes and meticulous attention to detail throughout. The stunning kitchen is a chef's delight, featuring top-of-the-line appliances, custom cabinetry, and a sleek, contemporary design that seamlessly combines form and function. The open-concept living and dining areas flow effortlessly, creating an inviting space for gatherings. Retreat to your master suite, where you'll find a luxurious walk-in shower and sophisticated finishes that enhance the serene atmosphere. The large lot provides ample outdoor space, including a sparkling pool that's perfect for cooling off on warm days or hosting summer soirées. Enjoy peaceful mornings and vibrant evenings in your private backyard oasis. Located in the desirable Pointe Tapatio neighborhood, you'll enjoy easy access to local amenities, parks, and top-rated schools. This residence is more than just a houseit's a lifestyle.

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18321 E Spring Valley Court Rio Verde, AZ 85263

$639,854

2 Beds

2 Baths

1,678 SqFt

Status Active

MLS # 6765037

Property Type Single Family Residence

Price Type --

Welcome to this beautiful home in the Resort Collection at Trilogy at Verde River. The Valletta offers a well-thought-out layout with 2 bedrooms, 2 bathrooms, and an open office. The great room has a multi-slide glass door. You will love the Gourmet Chef kitchen with stainless steel wall appliances. The back patio is expansive with pavers and an extended patio. The primary suite has a lavish ensuite with a huge tiled shower and walk-in closet. Do not miss out on this home The amenities at Verde River are World Class with Tom Lehman inspired eighteen-hole Golf course, tennis courts, pickleball courts, and bocce ball, heated lap pool and Resort style swimming pool, hot tub, Afterburn fitness center, Helen's demonstration Kitchen for cooking classes and a 7.5 acre dog park. The community center has casual poolside dining at Eddy's Diner and gourmet dining at award-winning Needle Rock Kitchen and Tap, Alvea Spa with full-service Salon and Spa amenities, Art Loft and events center. Trilogy at Verde River is adjacent to the Tonto National Forest and is situated in the middle of miles and miles of hiking and biking trails.

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3408 W Via Del Deserto -- Phoenix, AZ 85086

$639,500

4 Beds

3 Baths

3,011 SqFt

Status Active

MLS # 6763352

Property Type Single Family Residence

Price Type --

Pride of ownership shows in this beautiful home located in the desirable Tramonto subdivision. This home sits on a premium lot with common area to the East and North. One of the 4 bedrooms is on the lower level making a great office, guest suite or playroom. The large loft works also works great for those work-from-home individuals. The exterior of the home has a fresh coat of paint, and the entire home has been meticulously maintained by the original owners. Location in the community is perfect and in walking distance to school for your k-8th graders. You don't want to miss this great opportunity!!

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19973 N Half Moon Drive Surprise, AZ 85374

$639,500

2 Beds

2.5 Baths

2,732 SqFt

Status Active

MLS # 6764824

Property Type Single Family Residence

Price Type --

Picture yourself hosting gatherings in this spacious & versatile 2,732 sf Ironwood Estate.Discover a seamless flow between the living room, dining area, family room & kitchen, creating a perfect space for relaxing or entertaining.Gourmet kitchen with built in ovens, island, an abundance of counter top space, ample cabinets, walk in & butlers pantry.Primary ensuite retreat has a double vanity, soaking tub & walk-in shower.Cozy guest suite ensures your guests feel welcome & comfortable.Retreat to the comfort of the den for a good read.Inside utility room with sink,cabinets & W/D included. Shutters on many windows.2.5 car garage.Expansive 11, 891 square foot lot provides endless possibilities for creating your outdoor oasis.Save on utilities with Solar.Quality furnishing available separate.

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18861 E Blue Sky Drive Rio Verde, AZ 85263

$639,500

2 Beds

2 Baths

1,380 SqFt

Status Active

MLS # 6702241

Property Type Single Family Residence

Price Type --

This home is beautiful! Located in the highly sought after, Tonto Verde Country Club-Gated Community (2 Courses). Home features: 12-foot ceilings, impressive (Iron) front entry door, SS appliances, white cabinets and granite counter tops throughout home, large island w/ a breakfast bar, farm sink, open kitchen/dining and living room, split bedrooms, light paint colors, beautiful tile floors, additional storage (laundry room) and even parking for your Golf Cart! The backyard boasts a large travertine (Paver'd) patio, newly installed patio sunshade, a view fence overlooking the golf course. A true Arizona lifestyle, the backyard is beautifully landscaped and is close to Tonto National Forest. Move right in and enjoy! TURN-KEY! Quick close possible.

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1906 W Lariat Lane Phoenix, AZ 85085

$639,000

3 Beds

2.5 Baths

2,567 SqFt

Status Active

MLS # 6761420

Property Type Single Family Residence

Price Type --

Gorgeous home looking for a new owner! Welcoming great room with abundant natural light, wood-style tile floors, a powder room, and modern light fixtures. The open-concept kitchen includes stainless steel appliances, popular white cabinets, an island with a breakfast bar, and granite counters. Continue upstairs to find a spacious loft for entertainment and 3-sizable bedrooms! The main retreat has a bathroom with a glass enclosure shower, dual sink vanity w/makeup area, and a walk-in closet. Outside, relax under the covered patio or lovely front porch. Don't miss the 2-car rear garage. Light tree-lined streets, pedestrian-friendly sidewalks, and a recreation center with a resort-style pool, kiddie pool, gathering areas, etc. A must-see property!

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4320 Copperhead Drive Wickenburg, AZ 85390

$639,000

2 Beds

2 Baths

1,990 SqFt

Status Active

MLS # 6762247

Property Type Single Family Residence

Price Type --

$50,000 PRICE REDUCTION! Welcome to this meticulously crafted 2-bed, 2-bath masterpiece, with a large office/den. Offering $200K in premium upgrades and sophisticated finishes. Designed for both luxury and comfort, the open floor plan is filled with abundant natural light, accentuated by beautiful wood-look tile and new carpet in both bedrooms The heart of the home is a spacious living area, anchored by a stunning stone fireplace, perfect for cozy evenings. The expansive wall of sliding glass doors invites seamless indoor-outdoor living, opening to a covered patio that's perfect for relaxation or entertaining. The kitchen is a showstopper, featuring a large island, upgraded appliances, and custom cabinetry, ideal for hosting gatherings. The primary suite is a retreat in itself, offering a generously sized, upgraded bathroom with high-end fixtures and finishes, ensuring a spa-like experience. The den, enclosed by double doors, provides versatilitywhether used as a home office, library, or additional guest space. Completing this home is an insulated 3-car garage, offering both ample parking and storage, designed for comfort year-round. The home is also still under warranty for peace of mind and comes fully furnished with top-tier, designer-selected pieces, allowing you to move in effortlessly.This is a rare opportunity to own a truly one-of-a-kind, energy efficient HERS rated, turnkey home in the idyllic setting of Wickenburg Ranch.

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