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

41644 N 277th Avenue Morristown, AZ 85342

$645,000

3 Beds

2 Baths

2,700 SqFt

Status Active

MLS # 6780700

Property Type Single Family Residence

Price Type --

Newly remodeled 3-bed, 2-bath home on 3.4 picturesque acres with 360 mountain and Hassayampa River views! This 2,700+/- sq ft residence features a new kitchen with quartz countertops, new modern bathrooms, new flooring, appliances, fresh paint, and a new roof. The guest bath offers a soaking tub by the fireplace, while the primary suite exudes charm with wainscoting on the walls and a custom walk in shower. Ideal for horse enthusiasts, the land includes an existing corral and a huge level area for a future arena. The land is surveyed for a 5-parcel split. There is a storage shed with bathroom and a covered carport. Located 25 minutes from Loop 303 & Surprise, and 15 minutes from Wickenburg. Country living at its best with easy quick access to the city. Can sell with more areage.

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7813 E Cypress Street Scottsdale, AZ 85257

New

$645,000

3 Beds

2 Baths

1,548 SqFt

Status Active

MLS # 6788901

Property Type Single Family Residence

Price Type --

You don't want to miss out on this gem of a home in the heart of South Scottsdale. It has charm from ceiling to floor. The first thing you'll appreciate is the great curb appeal and attractive landscaping. Step inside to a large living room and kitchen areas with wood-like tile flooring. You will spend a lot of time in the fantastic backyard offering covered patio and sparkling swimming pool. Fantastic location on a cul de sac and minutes from downtown Scottsdale, the 101, 202, Tempe Marketplace, Sky Harbor airport, great schools, and more. This one won't last long so hurry and come take a look.

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18518 W Acacia Drive Goodyear, AZ 85338

$645,000

3 Beds

3 Baths

2,430 SqFt

Status Active

MLS # 6784388

Property Type Single Family Residence

Price Type --

Enjoy ultimate energy efficiency with a FULLY PAID SOLAR SYSTEM! This stunning 3-bedroom, 3-bathroom with a den, offers an open-concept space perfect for modern living. Located in the tranquil 'Inspire' neighborhood of Estrella Mountain Ranch, the home features a spacious interior that seamlessly flows from room to room. The backyard offers a quiet, private retreat perfect for relaxing under the pergola or entertaining. Enjoy a beautiful, low-maintenance landscaped yard with plenty of space; this home combines indoor and outdoor living.

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10013 E Trent Avenue Mesa, AZ 85212

$645,000

5 Beds

3 Baths

2,550 SqFt

Status Active

MLS # 6784732

Property Type Single Family Residence

Price Type --

This stunning home offers all the modern upgrades of a nearly new build, designed with an inviting open floor plan that blends style and functionality. The bright and airy kitchen is a true centerpiece, featuring sleek marble countertops, state-of-the-art stainless steel appliances, and plenty of space for culinary creativity. With five spacious bedrooms, a versatile loft, an additional game/living room, and sliding glass doors that fill the space with natural light, there's room for everyone to relax and enjoy. The low-maintenance backyard is perfect for entertaining, complete with a gazebo that creates the ideal spot for grilling, dining, and unwinding outdoors. This resort-style community truly has it all! Enjoy amenities like a sparkling community pool, tennis and basketball courts, a scenic bike path, a playground, a community center, a fully equipped gym, and a dog park. Conveniently located near major freeways, shopping, the Legacy Sports Complex, and Mesa Airport, this is the perfect place to call home. Don't miss the chance to make this dream home yours!

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1276 N Vulture Mine Road Wickenburg, AZ 85390

$645,000

3 Beds

2 Baths

1,672 SqFt

Status Active

MLS # 6786201

Property Type Single Family Residence

Price Type --

Million Dollar View! Sit on your back patio or in the spa enjoying the big views of Vulture Peak and starry skies. NO HOA!! Within minutes to championship golf!! Beautiful home with open concept living space. Kitchen remodled with Kropf custom cabinets; Brazilian Quartzsite countertops; under cabinet lighting; stainless appliances, including top-of-the-line Bosch dishwasher; and an island with breakfast bar. Roomy dining area and living room with wood beams, Santa Fe fireplace, and a wall with built in shelving. There is also an ensuite bath with shower featuring floor to ceiling tile. Seller installed new windows in 2022. Well pump was also replaced in 2022.

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3774 E Shannon Street Gilbert, AZ 85295

$645,000

4 Beds

2 Baths

2,011 SqFt

Status Active Under Contract

MLS # 6767226

Property Type Single Family Residence

Price Type --

3774 E SHANNON ST, Gilbert, AZ 85295 - beautiful interior corner lot with extensive upgrades over past 5 years, new quartz countertops, new windows, wall to wall laminate flooring, gas range, RO system, Trane AC unit, garage split AC unit for exercise room/man cave, amazing oversized master tiled shower, new ceiling fans, window coverings and lighting throughout, surround sound, Owned solar - save $ on electric bill, new waterfall feature at heated pebble tec play pool and new pavers front and back. You can not replicate this home for the purchase price!

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1924 E Rockwood Drive Phoenix, AZ 85024

$645,000

4 Beds

3 Baths

2,528 SqFt

Status Active Under Contract

MLS # 6777756

Property Type Single Family Residence

Price Type --

Beautiful, fully remodeled home on a corner lot with an RV gate and no HOA. The interior features an open floor plan with lots of natural light, a white kitchen with quartz counters and stainless appliances. Primary suite has a cozy fireplace, walk-out deck, an extra sitting room that is currently set up with a desk, gorgeous bathroom with quartz counters, dual vanity, stand-alone bathtub and a large frameless shower. The low maintenance backyard has a heated pool, spa and artificial turf. Great family neighborhood conveniently located with easy access to freeways, excellent schools and premier shopping and dining. *New roof in 2023*

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12170 W Eagle Ridge Lane Peoria, AZ 85383

$645,000

4 Beds

2.5 Baths

2,908 SqFt

Status Active Under Contract

MLS # 6777974

Property Type Single Family Residence

Price Type --

This beautifully appointed single story with a split floorplan is waiting for your creative ingenuity and unique vision! Some of the upgrades include crown molding, plantation shutters, higher end appliances and knotty alder cabinetry. Perfect multi-generational living! Bring your eclectic style to this wonderful home situated in Vistancia, a master planned community that includes tennis courts, hiking trails, and a swimming pool. Enjoy nearby attractions - just a15 minute drive from Lake Pleasant Regional Park and only 20 minutes from the Peoria Sports Complex, the spring training home of the Seattle Mariners and San Diego Padres.

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231 W Denton Lane Phoenix, AZ 85013

$645,000

2 Beds

2 Baths

1,964 SqFt

Status Active Under Contract

MLS # 6781050

Property Type Single Family Residence

Price Type --

STOP THE SEARCH THIS IS THE ONE!! THIS FULLY DETACHED PATIO HOME IS LOCATED ONLY STEPS FROM ALL THAT NORTH CENTRAL PHOENIX HAS TO OFFER. THIS HOME FEATURES 2 BEDROOMS, 2 BATHROOMS AND A HUGE OFFICE SPACE THAT COULD EASILY BE CONVERTED INTO A 3RD BEDROOM. THE NEWLY RENOVATED KITCHEN IS A CHEFS DREAM WITH A HUGE CENTER ISLAND AND MODERN FINISHES. THE MAIN LIVING SPACE HAS TOWERING CEILINGS AND TONS OF NATURAL LIGHT FROM AN ATRIUM VISIBLE FROM NEARLY EVERY ROOM. STEP OUT TO THE LOW MAINTENANCE AND PRIVATE BACKYARD WITH MATURE FICUS TREES. NEW A/C IN 2023 AND A NEW ROOF IN 2024. THIS PROPERTY WOULD BE PERFECT AS A FULL-TIME RESIDENCE OR A LOCK AND LEAVE FOR SEASONAL RESIDENTS. HOA FEE IS ONLY $100 PER MONTH. BETTER HURRY, THIS ONE WILL BE GONE QUICK! WELCOME HOME!!

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6253 E Phelps Road Scottsdale, AZ 85254

$645,000

3 Beds

2 Baths

1,999 SqFt

Status Active

MLS # 6776628

Property Type Single Family Residence

Price Type --

If you yearn to own a home that is surrounded by mature trees, green grass, and open spaces then this is your next home. Located in the desirable patio home community of North Ranch towards the end of a cul-de-sac just steps from the community heated pool and spa. Relax at the breakfast bar with your morning coffee and enjoy any time of day in the large dining area which can accommodate all your family and guests. The cozy family room off the kitchen has a wood burning fireplace for the cooler winters. New Air Handler in 2024, outside main water line replaced in 2024, roof recoated in 2023, garage door and opener replaced in 2023. Granite counters in kitchen with stainless appliances. Bathrooms updated with quartz counters, new faucets, refinished cabinets and new shower and bathtub. The HOA maintains the front landscaping as well as your back patio area, so it makes for a great lock and leave. Enjoy having a glass of wine on the back patio which overlooks the common grassy area. This home is close to great restaurants and shopping at Kierland Commons and Scottsdale Quarter

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2018 E Aspen Drive Tempe, AZ 85282

$645,000

3 Beds

2 Baths

1,886 SqFt

Status Active Under Contract

MLS # 6775579

Property Type Single Family Residence

Price Type --

You'll always feel on vacation upon entering the private gate of this Tempe home. The desert botanical-like courtyard hugs the Spanish style home that is brimming with natural sunlight through vaulted ceilings and intentionally placed windows. The home features a custom, unique flare of a dine-in booth in addition to the adjacent dining room dripping with ambience, a spacious master suite, a guest bedroom ready for hosting and an office with a special surprise (Peloton room? Wine cellar?). Grocery stores of the finest: Trader Joe's, Whole Foods and Sprouts to name a few. With hot restaurants, Tempe Town Lake and the Cubs stadium, Arizona State University and Shalimar Golf Course all within a couple of miles, this perfectly placed abode is also accessible to the 101, 202 & 60 interchanges.

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18936 E Amethyst Drive Rio Verde, AZ 85263

$645,000

2 Beds

2 Baths

2,015 SqFt

Status Active

MLS # 6745521

Property Type Townhouse

Price Type --

Corner unit townhome in a quiet setting. 2 Bedrooms, 2 Baths. Den/Office- currently set up as an art studio with barn doors. Primary Suite has dual vanities, walk in shower, linen storage, large closet. Guest room currently set up as an office w/ walk in closet and hardwood floor. Guest bath with single vanity and new Kohler therapeutic walk- in tub/jacuzzi/shower. Great room adjacent to kitchen with patio access. Gourmet kitchen with desirable 6 burner Gas Range with dual ovens, warming drawer, microwave, Bosch fridge, appliance garage, granite counters. Casual dining area. Laundry room w/ sink & built in desk. Covered patio with extension for plenty of outdoor seating & entertaining. Lush landscaping. 2 car plus golf cart garage. Whole house water filtration system. Come , see, buy

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