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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20750 N 87th Street Unit 2139 Scottsdale, AZ 85255

$635,000

2 Beds

2 Baths

1,356 SqFt

Status Active Under Contract

MLS # 6743827

Property Type Townhouse

Price Type --

Amazing townhome near McDowell Mountain Preserve! Welcome to this beautifully updated two-bedroom, two-bath townhome featuring a two-car garage. The living room boasts a beautiful fireplace with elegant stone accents, creating a warm and inviting atmosphere. Step outside to a large, open patio, perfect for relaxing or entertaining. The modern kitchen is a chef's dream, equipped with stainless steel appliances, stunning granite countertops, and a convenient breakfast bar. Enjoy meals in the adjacent formal dining area, enhanced with updated fixtures that add a touch of sophistication. The large master bedroom offers a private balcony, providing a serene retreat with views of the surrounding area. Inside laundry adds convenience, making daily chores a breeze. Located just steps away from the McDowell Mountain Preserve, and minutes from Scottsdale's shopping and dining, this townhome offers easy access to outdoor adventures and breathtaking scenery. Experience the perfect blend of comfort, style, and location in this must-see home!

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28524 N 102nd Way Scottsdale, AZ 85262

Open House

$635,000

2 Beds

2.5 Baths

1,711 SqFt

Status Active

MLS # 6702531

Property Type Townhouse

Price Type --

This 2br/2.5ba unit is located in the resort community of Troon North. The open floor plan includes a great room w/ high ceilings, updated kitchen and a cozy gas fireplace. Add'l features include brand new roof, appliances, hot water heater, and HVAC. Convenient direct entry 2-car garage. Upstairs you will find two primary suites with walk-in closets, dual sinks and private showers. Both rooms feature balconies for enjoying views of the desert landscape and Pinnacle Peak. Low property taxes and HOA dues make this easy desert living! Conveniently located near the Troon Clubhouse and Sonoran Mountain Preserve trail system.

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2680 E Lodgepole Drive Gilbert, AZ 85298

Open House

$635,000

3 Beds

2 Baths

2,109 SqFt

Status Active

MLS # 6749444

Property Type Single Family Residence

Price Type --

Welcome to this wonderful single story home in beautiful Freeman Farms. This 3 bedroom/2 bath (plus a den) home showcases an open floor plan with an abundance of natural light. The home boasts of a bright kitchen, granite countertops, stainless steel appliances, and large walk-in pantry. This move in ready home features neutral tile throughout, plush carpet in the bedrooms, ceiling fans in every room, and an extended 3 car tandem garage with tons of storage and epoxy flooring. You will love the mature landscaping, covered patio, and spacious backyard that features a soothing waterfall, BBQ island, and relaxing hot tub. This quiet community offers beautiful views and is only minutes from Gilbert Regional Park and SanTan Village Mall. Make an offer today before it is gone!

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35642 N Lodestone Drive San Tan Valley, AZ 85144

$634,995

4 Beds

3 Baths

2,908 SqFt

Status Active

MLS # 6726670

Property Type Single Family Residence

Price Type --

Don't miss this designer appointed quick move in home available! This highly desired Farmhouse elevation home has mountain views and no backing neighbors. The open-concept dining room and great room are easily connected to the kitchen. Highlights of this home include stone grey cabinets, quartz countertops in the kitchen and primary bathroom, Kitchen Aid appliances, cabinets in the laundry room, a generous loft with tile floors, and much more! The home offers endless upgrades that you must see today!

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35568 N Lodestone Drive San Tan Valley, AZ 85144

$634,995

4 Beds

2.5 Baths

2,980 SqFt

Status Active

MLS # 6769242

Property Type Single Family Residence

Price Type --

Check out this stunning move-in ready home! The inviting entry features elegant features and vaulted ceilings that immediately makes you feel at home. A chef's dream kitchen comes complete with marble countertops, stainless appliances, and gas cooktop. Embrace relaxation in the sun-filled great room that is bursting with natural light and is adjacent to the kitchen and casual dining area. The outdoor patio offers pristine views of the community as well as additional dining space that is perfect for social gatherings. Discover what luxury living truly means and come visit today!

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23997 N 172nd Avenue Surprise, AZ 85387

$634,995

3 Beds

2.5 Baths

2,734 SqFt

Status Active

MLS # 6732038

Property Type Single Family Residence

Price Type --

Welcome to Estates at Asante, a beautiful community with surrounding views to enjoy! This community offers single story homes with floor plans you will love, like our beautiful Julia plan! This home sits on an oversized, cul de sac, corner lot with mountain views. Once you walk inside the Julia, the extended entry leads to an expansive gourmet kitchen with an extended Quartz center island and 42'' cabinets; a large Butlers Pantry with a wetbar, breakfast nook and great room with a 15ft center meet slider, for indoor and outdoor entertaining. In addition, there is a formal dining room with adjacent covered courtyard off to the side of the home accessible by the center meet doors! This home is set up with 3 bedrooms, 2 and half bathrooms, 3 car garage with additional storage. Welcome to the home of your dreams!

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11506 E Utah Avenue Mesa, AZ 85212

$634,990

4 Beds

3.5 Baths

2,615 SqFt

Status Active

MLS # 6728747

Property Type Single Family Residence

Price Type --

Welcome to the Garnet at Destination at Gateway in Mesa, Arizona. This stunning single-story home boasts 4 bedrooms, 3.5 bathrooms, and a den. With 10-foot ceilings and 8-foot doors, the space feels open and inviting. The gourmet kitchen features GE stainless steel appliances, a 36-inch gas cooktop, built-in wall oven and microwave, shaker cabinets with hardware, quartz countertops, and a tile backsplash. Enjoy 6x36'' wood-look tile in the main areas and upgraded carpet elsewhere. A 4-panel sliding glass door connects the great room to a covered patio. The primary bathroom includes a separate shower, soaking tub, dual sinks, and vanity. Bathrooms have upgraded vanity lighting with matte black faucets and fixtures.

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18944 W Ocotillo Road Waddell, AZ 85355

$634,990

3 Beds

2 Baths

2,224 SqFt

Status Active

MLS # 6739345

Property Type Single Family Residence

Price Type --

We're building this home at the beautiful Windrose community. It's the very popular Crimson with 3 bedrooms + flex space, 2.5 baths. Multi slide door that leads out to the extended covered patio. Large walk in shower at owner's bath. Stainless steel gas appliance package with a 30'' cooktop. Linen-off white cabinets with hardware, pull out trash drawer with two bins, 42'' kitchen uppers. AZT White sand granite countertops. Undermount single bowl kitchen sink. Uprade flooring includes EMS Ravenna Olmo 7x24 plank tile in all areas of the home except bedrooms/closets and 5'' base boards and 3 1/4'' door casings. Soft water loop, 8' tall garage door with 2 openers, garage service door and much more. Estimated completion September.

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11512 E Utah Avenue Mesa, AZ 85212

$634,990

3 Beds

2.5 Baths

2,702 SqFt

Status Active

MLS # 6751960

Property Type Single Family Residence

Price Type --

''Stunning Suntone floorplan - 3 bedrooms with Teen Room and 2.5 Baths, located in the East Valley's newest community, Destination at Gateway. Discover this inviting home featuring a 4 Panel Center siding glass door off the great room, seamlessly connecting indoor and outdoor living. The kitchen boasts stainless steel appliances, including a 36-inch gas cooktop, built-in wall oven and microwave, along with white shaker cabinets adorned with hardware and a convenient trash pull-out. The quartz countertops and tile kitchen backsplash add a touch of elegance to the space. Throughout the home, 8-foot interior doors with upgraded door hardware create a modern, cohesive feel. The main areas are adorned with 6 x 36'' wood-look tile and 4 1/4-inch baseboards, providing a stylish foundation for the home. Bathrooms feature upgraded vanity lights and bath faucets, while the primary bathroom offers an enlarged shower and a separate soaking tub for relaxation. With 10-foot ceilings, an oversized laundry room, a separate valet area at the garage entrance, and a paver driveway, this home is designed to offer both luxury and practicality, providing a comfortable and stylish living space for you and your family.

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7598 W Smoketree Drive Peoria, AZ 85383

$634,990

4 Beds

3 Baths

2,331 SqFt

Status Active

MLS # 6767751

Property Type Single Family Residence

Price Type --

''Discover this stunning two-story home, offering 2,331 sqft of well-designed living space. Featuring 4 spacious bedrooms, 3 baths, and a versatile loft, this residence provides the perfect blend of comfort and functionality for modern living. The 3-car tandem garage offers ample space for vehicles and storage. The outside has a Craftsman style exterior with included desert landscape and paver driveway. You walk into an open space with wood look plank tile. The open concept living, kitchen, and dining area downstairs is great for entertaining. The gorgeous 4-panel sliding glass door that leads you to your outdoor covered patio provides an indoor/outdoor living space. This home features our Harmony design package that includes carrara breeze quartz kitchen counter tops, with white painted 42 cabinets, white mosaic kitchen backsplash, an undermount single bowl kitchen sink, matte black finish plumbing fixtures, stainless-steel appliances, and much more. Great location close to dining, freeways, parks, and entertainment!

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6754 W Andrea Drive Peoria, AZ 85383

Open House

$634,990

3 Beds

2.5 Baths

2,125 SqFt

Status Active

MLS # 6740369

Property Type Single Family Residence

Price Type --

Ready now! Experience the charm of Aloravita, nestled within the scenic mountains of Peoria. This community boasts breathtaking views and is conveniently located minutes away from shopping, dining, hiking trails and more! Our popular 'Barstown' floorplan features 3 full bedrooms, 2.5 bathrooms, 2 Car-Garage and a private yard with views! Designer selected finish includes Burlap Cabinetry, Quartz Kitchen Countertops, Wood Like Tile Throughout, and Plush Carpet in all the bedrooms. This beautiful home will have it all including 8' doors, Gourmet Gas Kitchen, Smudge Proof Stainless Steel Appliances, Blinds, Pre-Plumb for Soft Water, and Smart Home Technology. Interior photos of similar spec home, options will vary

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7432 W Quail Track Drive Peoria, AZ 85383

Open House

$634,900

3 Beds

2.5 Baths

2,125 SqFt

Status Active

MLS # 6755381

Property Type Single Family Residence

Price Type --

October completion! Experience the charm of Aloravita, nestled within the scenic mountains of Peoria. This community boasts breathtaking views and is conveniently located minutes away from shopping, dining, hiking trails and more! Our popular 'Barstown' floorplan features 3 full bedrooms, 2.5 bathrooms, 2 Car-Garage and a private yard with views! Designer selected finish includes White Cabinetry, Quartz Kitchen Countertops, Wood Like Tile Throughout, and Plush Carpet in all the bedrooms. This beautiful home will have it all including 9' ceilings, Gourmet Gas Kitchen, Smudge Proof Stainless Steel Appliances, Blinds, Pre-Plumb for Soft Water, and Smart Home Technology. Home is under construction, photos of similar spec to show layout, options may vary**

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