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

11225 E Ocaso Avenue Mesa, AZ 85212

$629,500

3 Beds

2 Baths

1,910 SqFt

Status Active

MLS # 6727396

Property Type Single Family Residence

Price Type --

A must see, beautiful 2 bed, 2 bath residence with a den in Sunland Springs Village. Great curb appeal complete with front patio to enjoy the sunsets, artificial turf, and a 2.5 car garage with built-in cabinets. The home has a warm and inviting great room paired with large dining areas, tall ceilings, tile floorings, and lots of natural light. You'll love the gourmet kitchen boasting stainless steel appliances, granite counters, staggered modern white cabinets, a pantry, recessed lighting, and an island with a breakfast bar. Spacious primary bedroom has an ensuite with dual sinks & a walk-in closet. Spare bedroom with double-door entry can be used an office as well. Cozy backyard offering a covered patio with extended pavers ready for you to enjoy and entertain.

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220 W Fellars Drive Phoenix, AZ 85023

$629,500

3 Beds

2 Baths

1,971 SqFt

Status Active

MLS # 6762329

Property Type Single Family Residence

Price Type --

Gorgeous Single-Story Home w/3 Bedrooms Plus Large Den/Office, 2 Bathrooms & Upgrades Galore. Interior Features Diagonal Tile Flooring t/o & Carpet in Bedrooms. Great Room Style with Bright, Open Kitchen w/Large Granite Island, Breakfast Bar, SS Appliances, Chef's Gas Stove, Tons of Cabinets & Walk-In Pantry. Split Bedroom Floorplan with Large Master in Back offering Bathroom w/Step-In Shower, Double Sinks & Walk-In Closet., Exterior offers North facing Backyard w/Low Care Turf & East Side Patio for Shady Afternoons. Front Yard has EZ Care Landscaping w/Paver'd Driveway & Entry Walkway to Gorgeous Wrought Iron Security Door & RING Doorbell. Location is PRIME: Close to Shopping, Dining & Freeway Access! Community is Gated with Children's Playground in Center & in a Great School Boundary

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15221 N Clubgate Drive Unit 1031 Scottsdale, AZ 85254

$629,500

2 Beds

2 Baths

1,401 SqFt

Status Active Under Contract

MLS # 6676920

Property Type Apartment

Price Type --

This meticulously designed 2-bedroom condo in Kierland Greens offers a blend of elegance and comfort, from the captivating wood-like tiled floors to the luxurious primary suite. This home is located on the first level with NO STEPS! The unit was just recently painted inside, with new light fixtures as well as new carpet in the bedrooms. This bottom floor corner unit epitomizes luxury living with its attention to detail and sophisticated design elements, making it a desirable space for relaxation and entertaining. The convenient location offers access to a plethora of dining and shopping options, situated near the Kierland Golf Club, Kierland Commons, and Scottsdale Quarter, making it an ideal choice for those seeking a vibrant and dynamic lifestyle.

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207 S Beaver Street Unit 306 Flagstaff, AZ 86001

$629,000

1 Bed

1 Bath

794 SqFt

Status Active

MLS # 6773451

Property Type Apartment

Price Type --

Never lived in before! One bedroom, one bathroom condo with a walk-in closet, located in the heart of historical downtown Flagstaff. All furnishings seen in the MLS pictures convey at no additional cost! Reserved exterior parking spot, common area roof deck with two BBQ's, chairs and views that go on forever. Unit #306 has a private balcony with views of the mountains to the west and its own storage closet. Prime Flagstaff location, walking distance to everything. Upgraded unit on the third level of this stunning new 32-unit building. Seller will consider a seller carry. Don't miss out on this special condo.

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24686 N 175th Avenue Surprise, AZ 85387

$629,000

3 Beds

3 Baths

2,187 SqFt

Status Active

MLS # 6759841

Property Type Single Family Residence

Price Type --

Discover your dream home—better than new and meticulously upgraded with $125,000 in enhancements! Enjoy the luxury of a move-in-ready space, sparing you the time and stress of renovations. The open-concept design offers seamless flow, ideal for entertaining or family gatherings. The modern gourmet kitchen, featuring a gas cooktop and large island, is perfect for culinary adventures. Step outside to your backyard oasis, complete with a sparkling pool, cozy firepit area, and stylish pergola—all elegantly finished with travertine tile. With every detail already addressed, you can focus on making memories instead of managing projects. This turnkey property allows you to start living your dream lifestyle immediately.

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8215 W Gardenia Avenue Glendale, AZ 85303

$629,000

4 Beds

2 Baths

2,643 SqFt

Status Active

MLS # 6761936

Property Type Single Family Residence

Price Type --

Welcome to the home that checks every box! This stunning residence offers a spacious split floor plan with 3 bedrooms, a versatile den, and a large bonus room—ideal for work, play, or relaxation. You'll have plenty of parking for all your vehicles and toys, RV Parking plus a generous 3-car garage for additional storage. Inside, the open layout connects the gourmet kitchen, with premium appliances and ample counter space, to the sunlit great room and living room. Step outside to your own resort-style oasis featuring a private pool, patio, and beautifully landscaped yard—perfect for entertaining or unwinding. With owned solar, enjoy energy savings year-round!

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201 S 6th Place Show Low, AZ 85901

$629,000

6 Beds

4 Baths

4,301 SqFt

Status Active

MLS # 6770835

Property Type Single Family Residence

Price Type --

Make this spacious home your own. The basement has a full kitchen,laundry, bedroom and garage access. Located in the heart of Show Low with many amenities nearby! Enjoy shopping, dining, City Parks, movie theater, BMX, skateboard park and city pickle ball courts just to name a few. This beautiful home would be a great year round home or vacation rental. This home is priced to sell and is Sold As Is. Home is currently used as VRBO. A new metal roof in 2018. 2019 - Re-routing main plumbing lines to accommodate larger groups. (An RV drain can easily be added to this new line) lighting fixtures, HVAC for main floor. In 2021 a new sump pump was installed in basement for kitchen sink. There are 2 water heaters in the home, in 2022 a new one was installed on the main floor. A new metal roof in 2018. 2019 - Re-routing main plumbing lines to accommodate larger groups. (An RV drain can easily be added to this new line) lighting fixtures, HVAC for main floor. In 2021 a new sump pump was installed in basement for kitchen sink. There are 2 water heaters in the home, in 2022 a new one was installed on the main floor.

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1350 E Gail Court Gilbert, AZ 85296

$629,000

4 Beds

3 Baths

2,237 SqFt

Status Active

MLS # 6775994

Property Type Single Family Residence

Price Type --

Move-in ready with countless upgrades including new AC, windows and can lighting! This modern single-family home boasts an open floor plan perfect for gatherings. The chef's kitchen showcases quartz countertops, shaker cabinets, and new appliances that brings both charm and modern appeal. Upstairs, a split floor plan separates the spacious secondary rooms from the primary suite. All bathrooms are upgraded with quartz countertops and chic laminate flooring. The backyard is an entertainer's dream, complete with a gazebo strung with lights, turf, and river rock. Every detail has been updated within two years! This home is ready to meet all your needs. Don't miss this opportunity to experience a truly exceptional property — it's a must-see!

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14104 W Cottontail Lane Surprise, AZ 85387

New

$629,000

3 Beds

2.5 Baths

2,444 SqFt

Status Active

MLS # 6779366

Property Type Single Family Residence

Price Type --

Come explore this beautiful 3 bed 2 1/2 bath cul de sac home with a massive 17, 082 sq. foot lot to build your dream yard. This home has over $100k in upgrades including iron front door, large sliding glass doors in great room, extended covered patio, quartz contertops in kitchen and bathrooms, custom backsplash in kitchen, reverse osmosis water filtration for drinking water, gas line for outdoor kitchen, upgraded kitchen cabinets, additional cabinets throughout home, GE gourmet gas cooktop, additional electrical outlets added inside and outside the home, under cabinet lighting in kitchen, surround sound, free standing tub in primary bathroom and custom tile shower with rainshower head, additional insulation in ceiling, garage and plumbing walls, custom tile, new carpet and paint.

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1371 N Alison Way Chandler, AZ 85226

$629,000

3 Beds

3 Baths

2,037 SqFt

Status Active Under Contract

MLS # 6754121

Property Type Single Family Residence

Price Type --

* CHANDLER STUNNER * PREMIUM CORNER LOT * FORMER MODEL * ACROSS FROM COMMUNITY POOL * LIKE LIVING IN A RESORT * LOFT-STYLE HOME * QUARTZ COUNTERS * STAINLESS APPLIANCES * UPGRADED CABINETS * OVERSIZED SLIDER * WRAPAROUND BALCONY * UPGRADED RAILINGS * LOFT WITH VIEWS * MASTER SHOWER WITH TILE SURROUNDS * CASITA WITH HALF BATH * VIEWS OF SOUTH MOUNTAIN * GET IT BEFORE ITS GONE! *

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2638 S Holbrook Lane Tempe, AZ 85282

$629,000

5 Beds

3 Baths

2,340 SqFt

Status Active Under Contract

MLS # 6757352

Property Type Single Family Residence

Price Type --

Location, location! This charming home is a 7-minute drive to ASU and Tempe Town Marketplace, and less than 10 minutes to Tempe Town Lake and Mill Avenue. A 3 minute walk to McClintock High School adds convenience. Inside, enjoy a spacious, open-concept living area filled with natural light. The contemporary kitchen boasts sleek quartz countertops and ample cabinetry. The dining area, living room, and Arizona room are perfect for gatherings and entertaining. The home features two luxurious en-suites with elegant bathrooms and walk-in showers. Three additional bedrooms offer space for family or a home office. Outside, relax by the gated pool in your private oasis. Don't miss this ideally located and thoughtfully designed home!

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4432 Ute Circle Happy Jack, AZ 86024

$629,000

3 Beds

2 Baths

1,650 SqFt

Status Active

MLS # 6698505

Property Type Single Family Residence

Price Type --

Welcome home to this charming single-family log cabin home in Happy Jack. With 3 bedrooms, 2 bathrooms, and a loft space, this home offers plenty of room for you and your family. Step inside and be greeted by the warm and inviting atmosphere of this log home. The large windows throughout flood the home with natural sunlight, creating a bright and airy feel. The living room features vaulted Tongue & Groove wood ceilings and dual pane windows, providing stunning views of the surrounding scenery. The kitchen is an open floor plan with its kitchen island, ample counter space, and a pantry for all your storage needs. Recessed lighting and ceiling fans are installed throughout the home, ensuring comfort and convenience. With one bedroom upstairs and the two additional bedrooms downstairs they are perfect for guests or a home office with some privacy. The loft space offers endless possibilities, whether it be a game room or a quiet reading nook. Outside, you'll find a detached log garage and mature trees on the generous corner lot, providing privacy and a beautiful backdrop. The two-car garage ensures plenty of space for parking and storage. As for the neighborhood, Starlight Pines offers a serene and close-knit community. Nearby, you'll find a variety of outdoor activities such as hiking trails, reservoir and lakes, perfect for those who love to explore nature. Don't miss out on the opportunity to make this beautiful log cabin your forever home. Call now to secure your slice of paradise.

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