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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2801 E Osborn Road Phoenix, AZ 85016

$639,000

3 Beds

2.5 Baths

2,110 SqFt

Status Active

MLS # 6761770

Property Type Single Family Residence

Price Type --

This cute home is located in the vibrant Arcadia Lite neighborhood of Phoenix! This property sits on a large lot with ample on-site parking behind a secure remote-controlled gate. Inside, the home feels cozy and inviting with a large living room, featuring an updated kitchen with modern finishes and convenient bar seating, perfect for casual dining or entertaining guests. The extended garage has AC & includes a built-in workbench area, ideal for car enthusiasts or hobbyists. Enjoy the convenience of being in the heart of Arcadia Lite, just minutes from popular dining, shopping, and entertainment. This property offers the perfect blend of comfort, functionality, and prime location!

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6735 N 10th Street Phoenix, AZ 85014

$639,000

3 Beds

2 Baths

1,703 SqFt

Status Active

MLS # 6763810

Property Type Single Family Residence

Price Type --

Vintage meets contemporary in this delightful home in the heart of north central Phoenix. Remodeled in 2019 to add new A/C, electrical panel, and all new kitchen, complete with stainless steel appliances and soft close modern cabinetry. Tons of additional upgrades added over the last 3 years, including new epoxy sewer lining, lighting/fans, roman shades, paint, baseboards, contemporary black door hardware, storage shed, block fence, side gate & front door. Abundant natural light throughout the home through efficient dual-pane windows. Huge great room with vaulted ceilings and built in fireplace. Dreamy primary suite has 2 closets including a spacious luxury walk-in. Mature fruit trees grace the private, quiet back yard, with the perfect patio for entertaining. Top rated schools.

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8608 E Mariposa Drive Scottsdale, AZ 85251

$639,000

3 Beds

2 Baths

1,688 SqFt

Status Active

MLS # 6769267

Property Type Single Family Residence

Price Type --

LOCATION LOCATION LOCATION, This couldn't be better. High demand neighborhood with no HOA. Move in ready, freshly painted, lovely flooring, large bedrooms, facing north/south. Grassy area in backyard, RV Gate for all your toys. Close to Chaparral Park with lake, walking and bike paths dog park. Minutes to Scottsdale Fashion Square as well as Old Town Scottsdale, and EASY ACCESS to 101.

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11846 N 93rd Street Scottsdale, AZ 85260

$639,000

3 Beds

2 Baths

1,192 SqFt

Status Active

MLS # 6773400

Property Type Townhouse

Price Type --

Discover the charm of this delightful 2-bedroom townhome in Scottsdale Vista! Starting with a 2-car garage & a lovely courtyard. The inviting interior features designer paint, tons of natural light, recessed lighting, and wood-look tile flooring. You'll LOVE the large living room with vaulted ceilings & sliding doors to the back! The impressive kitchen boasts SS appliances, granite counters/backsplash, a breakfast nook, and wood cabinetry w/crown molding. Cozy den for an office! Main bedroom has outdoor access & a private bathroom. Check out the private backyard with a covered patio to relax or enjoy BBQ! It also includes access to the Community pool behind, promising year-round enjoyment. PLUS! Conveniently close to schools, shopping, dining, & more. Easy access to 101 Fwy! Welcome home!

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25260 S Cloverland Drive Sun Lakes, AZ 85248

$639,000

3 Beds

3 Baths

2,283 SqFt

Status Active Under Contract

MLS # 6713354

Property Type Single Family Residence

Price Type --

Location, Location, Location...Popular customized Barcelona model with casita and 2.5 car garage on the finger lakes in the special active adult community of Palo Verde in Sun Lakes. Quaint gated courtyard, perfect for morning coffee. Open great room concept with enormous windows and slider looking over the serene water views. Kitchen has granite counters, pantry and ample cabinet space. Spacious master suite with sitting area and fireplace, sliders to patio, tub, walk-in shower and giant master closet with skylight. Spare bedroom with vaulted ceilings. Casita with full bathroom and walk-in closet. This one is all about the lake setting, and they don't come available often! Start enjoying gated Palo Verde with golf, tennis, pickleball, fitness center, walking paths and great restaurants.

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1145 N 293rd Avenue Buckeye, AZ 85396

$639,000

4 Beds

2 Baths

2,067 SqFt

Status Active

MLS # 6758593

Property Type Single Family Residence

Price Type --

Discover the ultimate in custom home, unencumbered by HOA fees or regulations. This stunning new build ranch-style residence boasts 2,067 square feet of living space on a serene 1.2-acre lot. The sophisticated open-concept living area features stylish paneled walls, vaulted ceilings, and an abundance of natural light and recessed illumination. A sleek white kitchen, complemented by a spacious island, provides an ideal setting for culinary pursuits. The serene master suite offers a tranquil retreat, complete with a spacious en-suite bathroom and ample closet space. Three additional bedrooms provide versatility for family, guests, or a home office. The expansive, backyard, boasts block fencing valued at over $60,000, and dual RV gates, perfect for accommodating large vehicles or horses.

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1364 W Escarpa Street Mesa, AZ 85201

Open House

$639,000

3 Beds

3 Baths

2,025 SqFt

Status Active

MLS # 6770017

Property Type Single Family Residence

Price Type --

Discover this exceptional 3-bedroom, 3-bathroom home on a nearly 1/2 acre hilltop lot at 1364 West Escarpa Street, Mesa, AZ. Enjoy breathtaking valley views, stunning sunsets, and Camelback Mountain in the distance, all with no backyard neighbors. The split floor plan features two primary suites, a family/living room with vaulted ceilings, and a dining room. The kitchen boasts espresso cabinets, granite countertops, a tile backsplash, stainless steel appliances, a breakfast nook, and a bar. Cozy up by the wood-burning fireplace or step outside to the extended covered patio. The triple-tiered backyard offers artificial turf, a fire pit, and a mini motocross track. With no HOA and proximity to ASU, Old Towne Scottsdale, and major freeways, this home is perfect for those seeking convenience and adventure.

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4010 S Big Horn Place Chandler, AZ 85249

Open House

New

$639,000

4 Beds

3 Baths

2,569 SqFt

Status Active

MLS # 6777912

Property Type Single Family Residence

Price Type --

If you're in search of a home that combines a fantastic location inside the beautiful tree lined community of Old Stone Ranch, you're in luck! This loved home features 4 bedrooms 3 full baths, cozy upstairs loft (w/full bedroom and bath up). Inviting kitchen opens to great room. Newer Samsung refrigerator, large island with granite counters and tons of storage through out. The oversized laundry room has both upper and lower cabinets and even space for crafting. Low maintenance desert landscape front yard, private backyard backing greenbelt boasts artificial lawn, mature trees offer evening shade + sitting area. A+ rated schools. Equal distance to downtown Chandler and Gilbert with quick access to the 202 San tan freeway & outdoor shopping mall. Welcome home to your sanctuary!!

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10498 E Cochise Avenue Scottsdale, AZ 85258

Open House

$639,000

2 Beds

2 Baths

1,781 SqFt

Status Active

MLS # 6735402

Property Type Townhouse

Price Type --

This 55+ neighborhood is in a fantastic location with proximity to Via Linda Senior Center, Scottsdale Ranch Park Tennis Club, 101 and shopping! This 2 bedroom 2.5 bath home has vaulted ceilings and skylights everywhere! There is so much natural light! The totally split floorplan makes it great for guests and the additional room could be converted to a third bedroom! There is a large inside laundry with room for folding and two car garage with built -in cabinets for your collectibles! The community has two beautiful pools and tennis courts for your enjoyment. This home is priced to sell and ready for all your personal touches. Come see this home today!

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848 W Flatiron Trail Apache Junction, AZ 85120

$638,990

4 Beds

3.5 Baths

2,664 SqFt

Status Active

MLS # 6750683

Property Type Single Family Residence

Price Type --

Up to 3% of base price or total purchase price, whichever is less, is available through preferred lender plus additional 2% of base price or total purchase price, whichever is less, is available to be used toward closing costs, pre-paids, rate buy downs, and/or price adjustments. This elegant single-story Parklane floor plan features four bedrooms and a spacious flex area, perfect for use as an office, TV room, or study. The home includes front yard landscaping and will be move-in ready by October. Conveniently located near community parks, grocery stores, and dining options.

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14205 W Mauna Loa Lane Surprise, AZ 85379

$638,900

5 Beds

3 Baths

4,068 SqFt

Status Active

MLS # 6722668

Property Type Single Family Residence

Price Type --

** Priced to sell - $19,100 price reduction ** Gorgeous corner lot home has everything you've been looking for! Enjoy a 3-car garage, stone accents, RV gate & a cozy front patio. Welcoming interior features wood-look tile flooring, bountiful natural light and pre-wired surround sound. Spacious living/dining room and great room are ready for entertaining. Fabulous kitchen includes recessed lighting, a plethora of white cabinets with crown molding, a walk-in pantry, SS appliances, stylish tile backsplash and a center island. Romantic grand suite boasts plush carpet, an impeccable ensuite with dual sinks and a large walk-in closet. The resort-style backyard will make you feel like you're on vacation everyday with a refreshing pool and rock waterfall. Tour it today!

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18501 E Avenida Del Ray -- Rio Verde, AZ 85263

$638,500

3 Beds

3 Baths

2,513 SqFt

Status Active

MLS # 6751012

Property Type Single Family Residence

Price Type --

Your Dream Desert Retreat Awaits—and the seller is highly motivated to make it yours! Step into this stunning 3-bedroom, 3-bath sanctuary, ideally located in the peaceful, 55+ Rio Verde Country Club community. Enjoy beautiful, low-maintenance desert landscaping featuring seven mature palm trees and a delightful variety of fruit-bearing trees, including lemon, pink grapefruit, and orange. This gorgeous property combines elegance and practicality, offering you a slice of paradise with motivated sellers ready to welcome new owners. Don't miss this incredible opportunity to secure your place in this serene, sought-after community. Enjoy a bright and airy open layout adorned with brand-new premier laminate plank tile and freshly painted interiors and exteriors. The living and dining areas feature a charming beehive fireplace and a beautiful skylight that fills the space with natural light. The well-equipped kitchen, complete with oak cabinets for ample storage, also offers breathtaking views of Four Peaks, making it a delightful space for both cooking and entertaining. The home boasts two spacious master suites, providing luxurious comfort and privacy. The primary suite features plush Berber carpet, direct outdoor access to a private patio, and a spa-like bathroom with dual sinks, a jetted tub, and a walk-in closet. Throughout the home, you will find an abundance of closet space, ensuring every item has its place. Set on a spacious lot of over 15,200 sq. ft., this home is perfect for entertaining, surrounded by mature citrus trees and beautiful desert landscaping. Enjoy hosting on the open patio or dining al fresco by the outdoor fireplace, all while immersing yourself in the tranquil beauty of nature. Act quickly, as this stunning home is priced to move and won't be on the market for long! Seize the opportunity to own this gem in the sought-after Rio Verde Country Club community, offering breathtaking views, exceptional comfort, and boundless charm. Here, you're not just purchasing a home; you're embracing a whole new lifestyle!

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