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.

Click Here to See What Your Home is Worth

Listing types.

For Sale

For Rent

Land

Multifamily

Commercial

Location Search Nearby

BedsAny1+2+3+4+5+6+

BathsAny1+2+3+4+5+6+

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Property TypeAnyApartmentManufactured HomeSingle Family ResidenceTownhouseTwin Home

School District

Address, MLS# or Keyword

Home SizeAny600 ft2800 ft21,000 ft21,200 ft21,400 ft21,600 ft21,800 ft22,000 ft22,200 ft22,400 ft22,600 ft22,800 ft23,000 ft23,500 ft24,000 ft24,500 ft25,000 ft25,500 ft26,000 ft2

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Distressed

Open House

Location Search Nearby

BedsAny1+2+3+4+5+6+

BathsAny1+2+3+4+5+6+

Price MinAny$500$600$700$800$900$1,000$1,100$1,200$1,300$1,500$1,600$1,700$1,800$1,900$2,000$2,250$2,500$2,750$3,000$3,250$3,500$3,750$4,000$4,500$5,000$5,500$6,000$6,500$7,000$7,500$8,000$8,500$9,000$9,500$10,000

Price MaxAny$500$600$700$800$900$1,000$1,100$1,200$1,300$1,500$1,600$1,700$1,800$1,900$2,000$2,250$2,500$2,750$3,000$3,250$3,500$3,750$4,000$4,500$5,000$5,500$6,000$6,500$7,000$7,500$8,000$8,500$9,000$9,500$10,000

Advanced Options

Property TypeAnyApartmentManufactured HomeSingle Family ResidenceTownhouseTwin Home

School District

Address, MLS# or Keyword

Home SizeAny600 ft2800 ft21,000 ft21,200 ft21,400 ft21,600 ft21,800 ft22,000 ft22,200 ft22,400 ft22,600 ft22,800 ft23,000 ft23,500 ft24,000 ft24,500 ft25,000 ft25,500 ft26,000 ft2

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Location Search Nearby

Lot SizeAny1+ Acres2+ Acres3+ Acres4+ Acres5+ Acres6+ Acres7+ Acres8+ Acres9+ Acres10+ Acres20+ Acres30+ Acres40+ Acres50+ Acres

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Neighborhood

Address, MLS# or Keyword

Location Search Nearby

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

School District

Address, MLS# or Keyword

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Location Search Nearby

Lot SizeAny1+ Acres2+ Acres3+ Acres4+ Acres5+ Acres6+ Acres7+ Acres8+ Acres9+ Acres10+ Acres20+ Acres30+ Acres40+ Acres50+ Acres

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Address, MLS# or Keyword

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

View As: Thumbnails List

Sort by: Select Price, Low to High Price, High to Low Newer Listings First Older Listings First Open House Date

368 S 172nd Drive Goodyear, AZ 85338

$639,000

5 Beds

4 Baths

4,019 SqFt

Status Active

MLS # 6754016

Property Type Single Family Residence

Price Type --

Discover plenty of space and comfort in this stunning 5-bedroom, 4-bathroom Canyon Trails home. It features a gourmet kitchen with stainless steel appliances and center island, perfect for any cook. Enjoy privacy in the attached guest casita with its own living room and entrance. PRE-PAID Solar panels offer eco-friendly living and lowered electric bills for years to come. The backyard is an oasis with a private pool, huge extended covered patio, and BBQ area, all overlooking the community green belt with no neighbors behind. Plus, enjoy community amenities like a recreation room, parks, and community pool.

View Property

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!

View Property

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.

View Property

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!

View Property

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.

View Property

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!

View Property

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!

View Property

3285 E Phelps Street Gilbert, AZ 85295

$638,500

3 Beds

2.5 Baths

2,485 SqFt

Status Active

MLS # 6728325

Property Type Single Family Residence

Price Type --

This charming single-level home offers 2,485 sq ft of comfortable living space. The split floor plan includes 3 bedrooms, 2.5 bathrooms, and a den. The spacious master suite features an upgraded shower and tub, double sinks, a private toilet room, and a large walk-in closet. The kitchen, perfect for entertaining, boasts granite countertops, an island, and a generous walk-in pantry, all opening up to a welcoming great room. All windows have elegant white shutters. A tandem three-car garage provides ample storage space. Outside, the backyard has a built-in firepit, turf, and recently painted exterior and block walls. With North/South exposure, this home is perfectly positioned near freeway access, San Tan Mall, shopping, and a variety of restaurants.

View Property

4315 S 123rd Avenue Avondale, AZ 85323

$638,000

4 Beds

3.5 Baths

2,622 SqFt

Status Active

MLS # 6680632

Property Type Single Family Residence

Price Type --

10' ceilings, 8' doors and large, energy efficient windows allowing in an abundance of natural light highlight this gorgeous 4 bed, study, 3.5 bath open plan in Alamar. Enjoy trying new recipes in the gorgeous gourmet kitchen boasting painted 2-tone, shaker style cabinets, quartz countertops and GE stainless steel appliances with gas cooktop and large hood vent. Designer-selected finishes include upgraded tile flooring, carpet and pad, custom backsplash and accent lighting. Escape from a long day to the large owner's retreat boasting a tiled walk-in shower, soaking tub, and huge walk-in closet. Other features include 2-tone paint, 12' sliding glass door to the covered outdoor area and a large finished, turf backyard. 2x6 construction. Welcome home.

View Property

12324 W Luxton Lane Avondale, AZ 85323

$638,000

4 Beds

3.5 Baths

2,624 SqFt

Status Active

MLS # 6693670

Property Type Single Family Residence

Price Type --

10' ceilings, 8' doors and large, energy efficient windows allowing in an abundance of natural light highlight this gorgeous 4 bed, 3.5 bath open plan with enclosed study in Alamar. Enjoy trying new recipes in the gorgeous gourmet kitchen boasting painted 2-tone, shaker style cabinets, quartz countertops and GE stainless steel appliances with gas cooktop and large hood vent. Designer-selected finishes include upgraded tile flooring, carpet and pad, custom backsplashes, and accent lighting. Escape from a long day to the large owner's retreat boasting a tiled walk-in shower, soaking tub, and huge walk-in closet. Other features include 2-tone paint, 12' sliding glass door to the covered outdoor area and a large backyard. 2X6 CONSTRUCTION; NEW HOME WARRANTY. Welcome Home.

View Property

17550 S Thunder Ridge Drive Peeples Valley, AZ 86332

$638,000

3 Beds

2.5 Baths

1,582 SqFt

Status Active

MLS # 6761342

Property Type Single Family Residence

Price Type --

YOU'LL FEEL LIKE YOU'RE LIVING ON VACATION! Gorgeous home in beautiful Peeples Valley, AZ on 4.8 acres with stunning, panoramic views. Tongue & groove ceiling, a wood burning fireplace and rough sawn wood beam add rustic charm while plentiful amenities bring modern conveniences. Split floor plan boasts an oversized owner's suite, secondary bedrooms w/ Jack & Jill bathroom & a much desired powder room for guests. Finished loft offers addt'l flex space, as does the separate garage room. Open Kitchen w/ abundant cabinets. French doors & windows provide fantastic natural light & picturesque views of the landscape. Loads of storage both in the home, as well as in the 39 x 39 garage. This garage is a standout! CLICK 'MORE INFO' for a list items which convey and additional important information! 3,000 gallon water storage is already plumbed for a 2nd tank and conveys. Chicken coop, raised garden beds convey. You'll be all set to launch your mini farming op! ** NEW SOLAR SYSTEM will be paid off at close of escrow. ** NO HOA! Agents, see back notes for full list of items which convey / don't convey. This home is truly turnkey and ready to go. Peeples Valley boasts blue skies, fresh mountain air and 4 mild seasons. Close to Prescott, Wickenburg and Phoenix. Agents live in area. ** Check out the video in slide 2 of the PHOTOS TAB. **

View Property

3240 W Daley Lane Phoenix, AZ 85027

$638,000

4 Beds

2.5 Baths

2,972 SqFt

Status Active

MLS # 6771265

Property Type Single Family Residence

Price Type --

Welcome to this beautifully updated 4-bedroom, 2.5-bathroom home! Step inside to discover brand-new flooring and fresh interior paint throughout, along with a newly renovated bathroom. The spacious kitchen offers ample cabinet and counter space, a generous island, a built-in workspace, and a pantry for extra storage. The expansive great room is ideal for entertaining or cozying up by the fire on chilly winter nights. The large master suite boasts a walk-in closet, dual sinks, a separate tub and shower, a private toilet room, and a roomy linen closet. Outside, the expansive backyard with mature landscaping and a covered patio provides endless possibilities for outdoor living and activities. Let your imagination soar!

View Property