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

3058 N 167th Drive Goodyear, AZ 85395

$629,000

2 Beds

2.5 Baths

1,957 SqFt

Status Active Under Contract

MLS # 6758111

Property Type Single Family Residence

Price Type --

This beautiful Alora Model home has mountain views and is located in the gated PebbleCreek resort community! The home has many upgrades including landscaping, window coverings and more! This gorgeous ranch style home features 2 bedrooms, 2.5 bathrooms and a den! As you walk into this home you will notice the 11ft ceilings in the great room, the 42'' upper cabinets, quartz counter tops and stainless appliances. This home also includes tile flooring, a gas fireplace in the backyard, Full landscaped backyard and golf cart garage. The bathroom has quartz countertops and a huge walk in closet. PebbleCreek offers three 18-hole golf courses, 2 clubhouses with fitness centers, multiple restaurants and bocce, tennis and 36 pickle ball courts.

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1700 E Lakeside Drive Unit 65 Gilbert, AZ 85234

Open House

$629,000

2 Beds

2 Baths

1,777 SqFt

Status Active

MLS # 6761143

Property Type Townhouse

Price Type --

Beautifully situated in Breckenridge Bay sits this meticulously appointed single-level townhouse! Upon entry, enjoy ample natural lighting, generous-sized open living and dining areas, vaulted ceilings & warm color tones throughout. The gorgeous dark wood floors contrast perfectly with bright silver-gray-colored walls. The vibrant Kitchen boasts granite tops and stainless steel appliances all accented with natural white cabinetry. Both bedrooms have newer LVT flooring and the main bath has been impressively remodeled to 5-Star Resort standards! Ideally located just steps away from the clubhouse, full amenities, and the lakes.... living in Val Vista Lakes is resort Lifestyle Living at its best!

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15221 N Clubgate Drive Unit 1023 Scottsdale, AZ 85254

$628,500

2 Beds

2 Baths

1,401 SqFt

Status Active

MLS # 6768194

Property Type Apartment

Price Type --

Open and bright floor plan with spacious great room with wood look flooring and freshly painted. Perfect for entertaining home with eat in kitchen overlooking the great room and easy access to the patio area surrounded by lovely landscaping. The Master Suite is spacious with a walk in closet. Oversized 2 car garage. The community pool, spa and exercise facility exudes a resort feeling to relax and enjoy. Walking distance to the Westin Resort and golf course, the high end shops and restaurants of Kierland Commons and Scottsdale Quarter. Living the life of Kierland, urban lifestyle and conveniences with a resort atmosphere.

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10728 E Monterey Avenue Mesa, AZ 85209

$628,000

3 Beds

3 Baths

2,277 SqFt

Status Active

MLS # 6767540

Property Type Single Family Residence

Price Type --

Welcome to Mulberry, a master-planned community that EVERYONE falls in love with. It's almost like an enchanted land - magically reminiscent of the early 1900s when homes created quaint neighborhoods w/ front porches.The home offers pride of ownership on a premium private lot. Open floor plan with a great room concept. Chef's kitchen offers upgraded cabinets, island, granite countertops, SS appliances, custom pendant lighting. Informal dining all open to the great room w/ large slider overlooking the beautiful backyard. Private owners suite walk in closet. Master bath offers: soaking tub & huge walk in shower. All secondary BR's are good size with 2 full baths. Shutters throughout home. Backyard offers putting green, covered patio and lush landscaping. Newer exterior paint. Three car garage with over head storage. Mulberry amenities include sport courts, playgrounds, two pools, fitness, multipurpose room, a huge event lawn, and a Lifestyle program. Adjacent to the community, Desert Ridge Junior and High Schools, as well as two elementary schools, are all part of the top-rated Gilbert School District. The 202 San tan and US 60 Superstition Freeways are each within approximately 1.8 miles of Mulberry. Mesa's tech corridor, expected to provide thousands of job opportunities, lies just one mile south. Within a mile find major shopping, dining, and entertainment. Come see this perfect home.

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31510 N 24th Drive Phoenix, AZ 85085

$628,000

3 Beds

2.5 Baths

2,026 SqFt

Status Active

MLS # 6570906

Property Type Single Family Residence

Price Type --

Beautiful Modern Appeal. Multiple Upgrades. High ceilings and Great Lighting make this home feel expansive. Gourmet Kitchen with gas range and hood. Oversized Quartz Waterfall countertop. GE Profile Appliances. Electric blinds, large farmhouse sink, water softener. 2-Large Screen Wall Mounted TV's included. Nest thermostats. Low maintenance backyard with Gas lined Fire Table, Gas Grill, Artificial turf and Tiled patio. Lights and Irrigation on timers. Energy efficient rated home. Community Pool and BBQ. There is also a dog park conveniently located close to this home. Excellent Location, close to shopping and restaurants! Great Investment Opportunity!

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1240 E Kramer Circle Mesa, AZ 85203

$628,000

4 Beds

2 Baths

2,318 SqFt

Status Active

MLS # 6766889

Property Type Single Family Residence

Price Type --

This spacious floor plan features a living room and dining room, along with a separate family room. The fabulous open kitchen includes an island and pantry, perfect for all your cooking needs. The large master bedroom boasts an expansive master bath with a separate shower, and there's also a dedicated laundry room. The extended cabinets in the kitchen provide ample storage space for your cookware and countertop appliances. The backyard is an entertainer's dream, complete with a Pebble Tec pool/spa, a water feature, a covered patio, and numerous upgrades. Experience resort-style living in this beautiful gated community!

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11329 E Savannah Avenue Mesa, AZ 85212

$628,000

4 Beds

2.5 Baths

3,080 SqFt

Status Active

MLS # 6745817

Property Type Single Family Residence

Price Type --

You will fall in love with this huge corner lot property that exhibits pride of ownership in East Mesa. Notice the fantastic curb appeal and easy to maintain and beautiful landscaping. It has separate living & family rooms and either tile or wood flooring throughout.Kitchen offers upgraded cabinetry with a ton of storage space, gas cook top stove, wall ovens, island with breakfast bar, &granite countertops. The laundry has extra cabinets & sink. There are 4 spacious bedrooms, 2.5 baths, and fantastic loft. In the primary bath there is a garden tub, separate shower, walk-in closet, and private toilet room. The backyard is an oasis with covered patio and swimming pool. Meticulously maintained home by original owners. New Roof, paint, laminate floors in 2024. A/C units routinely maintained.

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3357 E Derringer Way Gilbert, AZ 85297

$627,900

4 Beds

2.5 Baths

2,834 SqFt

Status Active

MLS # 6765583

Property Type Single Family Residence

Price Type --

Location, Location! Stop and take a look!! You'll love the new floors (installed in 2024). In addition to all of this, the home features an impeccable eat-in kitchen, great room, and formal living room. Enjoy afternoons in the beautiful backyard with a covered patio, cozy firepit, and sparkling pool. This is a value you won't want to miss!

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20951 E Via Del Sol Street Queen Creek, AZ 85142

$627,777

4 Beds

3 Baths

2,222 SqFt

Status Active

MLS # 6729504

Property Type Single Family Residence

Price Type --

WOW- PRICE REDUCED $7,500. IN ADDITION, SELLER CONSESSION AVAILABLE TOWARDS CC OR RATE BUYDOWN with Rates As Low As 3.875% when Financing Thru Builder's Preferred Lender(s). Located close to Queen Creek Marketplace Shopping, Dining & Entertainment, this Community has Parks, Soccer Field, Basketball Courts, & 8-Mile Walking Trail. This Beautiful Cul-de-sac home has Primary Suite & Bedroom 4 on Lower Level with 2 Bedrooms Up! White Shaker 42'' Cabinets with Gourmet Stainless Gas Cooktop, Double Wall Ovens w/Microwave. Quartz Kitchen Countertop, Tiled Kitchen Backsplash, Tiled Extended Shower at Primary Bath, Plank Tile Flooring, Stainless Side-by-side Refrigerator, Washer, Dryer & Window Blinds Included! Don't Wait, Come See This Home Today

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15029 W Minnezona Avenue Goodyear, AZ 85395

$627,500

4 Beds

2.5 Baths

3,368 SqFt

Status Active

MLS # 6755950

Property Type Single Family Residence

Price Type --

WOW. SELLER WILL GIVE $10,000 CREDIT TO THE BUYER AT CLOSING, and wow FULLY paid off and OWNED SOLAR and solar heated pool! HUGE SAVINGS! This LUXURY retreat home features countless upgrades: highly upgraded engineering wood flooring, mini-split A/C units in the garage, a Tesla charging station, and custom finishes at every turn!!! This exceptional home greets you with lush desert landscaping, creating a serene and inviting entrance. Once inside, you're welcomed by soaring ceilings that open up the space and create a bright, airy atmosphere. The seamless flow between the expansive living and family rooms is perfect for gatherings and entertaining, offering plenty of space for relaxation. The heart of the home is the chef's kitchen, designed to impress with granite countertops, a large center island, a convenient breakfast bar, and sleek black stainless steel appliances. The 42'' cherry cabinets add a touch of elegance and provide ample storage. The first-floor master suite is a luxurious retreat, featuring real wood flooring that adds warmth and character. The remodeled bathroom boasts an oversized shower, creating a spa-like experience. Backyard is a true OASIS!! Outdoor living is equally impressive, highlighted by a grand 8'x6' stone fireplace, perfect for cozy evenings under the stars. Whether hosting or relaxing, this home offers both style and practicality for modern living. The 3 car garage is super spacious, every owner's dream!! This home is a MUST SEE!!

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22214 N Tournament Drive Sun City West, AZ 85375

Open House

$627,500

2 Beds

2.5 Baths

2,910 SqFt

Status Active

MLS # 6750481

Property Type Single Family Residence

Price Type --

This highly desirable Scottsdale model is an open floorplan. The coffered ceiling and plantation shutters throughout give it understated elegance. The primary suite has an oversized bathroom with dual sink vanities, a massive walk in shower plus a jacuzzi tub. The second bedroom has a private bathroom. There is also a den/office. The kitchen opens to family room that features a built in gas fireplace. The kitchen has 2 islands, gas range, double ovens & tons of storage. There is a convenient half bath right off the entertaining area for guests. Guests can spill out into the enormous enclosed patio, as well as the open patio, while hosting & entertaining. The 2.5 car garage gives that perfect space for the golf cart. Roof underlayment #30 LB in 2024. PAINT color appears darker in photos.

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9416 S 46th Street Phoenix, AZ 85044

$627,000

3 Beds

2 Baths

1,747 SqFt

Status Active

MLS # 6758376

Property Type Townhouse

Price Type --

ALL-NEW BEAUTIFUL COMPLETE RENOVATION AT THE POINTE!! LifeStyle at The Pointe South Mountain!!! Indulge in the pinnacle of serene luxury living in this exquisite home offering breathtaking mountain and golf course views within the lush and prestigious Mediterranean-inspired Pointe South Mountain community. The visionary Gosnell architecture is immediately breathtaking as you walk in. Enjoy the majestic palms and enchanting lantern-lit evenings while watching the Pointe Resort fireworks from your own backyard with huge beautiful DIVING POOL!, nestled against the serene South Mountain Preserve, with its inviting Pima Canyon Trailhead just a short walk from your door. This hidden gem in The Pointe is nestled on the most sought-after and tranquil cul-de-sac, radiating (read more) ...charm both inside and out. Featuring 3 bedrooms, 2 baths, a 2-car garage and a glorious resort-style feeling... Your home is waiting for you with its stunningly unique living space and an elegant formal dining area. The vaulted ceilings and high clerestory windows enhance the spacious ambiance, complemented by plantation shutters, flowing natural light, and stylish wood-look flooring throughout. Cozy up by the fireplace in the delightful kiva nook for a martini or a book...or both! JJ Completely upgraded everywhere you look! The bright kitchen is a chef's dream, equipped with all-brand-new stainless steel appliances, sleek quartz countertops, a vertical tile backsplash, ample cabinetry and a breakfast bar peninsula. The primary bedroom boasts a sparkling ensuite with all-new dual sinks and a gorgeous large walk-in shower. The bright front bedroom offers plantation shutters and a generous walk-in closet. Step outside to your entertainer's paradise: a backyard featuring a covered patio, pavers, lush lawns, and a sparkling pool. Every detail exudes WOW! This home is an opportunity not to be missed. Experience the perfect blend of elegance, comfort, and unparalleled beauty. Hurry, this masterpiece won't last long!

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