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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9077 E Captain Dreyfus Avenue Scottsdale, AZ 85260

$635,000

3 Beds

2 Baths

1,440 SqFt

Status Active

MLS # 6783155

Property Type Single Family Residence

Price Type --

Well maintained home in a great community with tennis courts and a park. Updated home with an open spacious floor plan, neutral color and vaulted ceilings. Great Room plan with Gas burning fireplace. Master bedroom has a big walk-in closet. Large kitchen with granite counters, refaced Cabinets and breakfast room. Enjoy the natural salt water Pebble tec pool with relaxing waterfall. Covered patio with extensive flagstone decking, pavers and professional landscaping. Tile and upgraded laminate flooring. No carpet. LEASED SOLAR SYSTEM that must to be transferred to the new owner with obligation to pay monthly due. At this moment it is $125.82 per month. AC was replaced in 2018 and roof underlayment was replaced in 2016 with 15 years limited warranty. 1 year old pool filtration system.

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19550 N Grayhawk Drive Unit 2041 Scottsdale, AZ 85255

$635,000

2 Beds

2 Baths

1,323 SqFt

Status Active Under Contract

MLS # 6757018

Property Type Apartment

Price Type --

This property received a MAJOR facelift in 2022. High end materials & workmanship transformed this END UNIT into a CONTEMPORARY gem. Enter through the TWO car epoxy-coated garage (or private front door) & ascend the stairs to the single level living space. All arches have been removed or squared off. Engineered wood & tile floors, custom lighting (including recessed art lights) & remote controlled blackout shades throughout. Kitchen features a modified breakfast bar with granite waterfall counter. Soffit removed above. Bathrooms boast floating vanities, soft close drawers, fully tiled showers with glass entries & new toilets. Large walk-in primary closet has custom organizing system. Two patios. Mountain views. Abundant natural light. Community pool, spa, gym, tennis. Guard gated. Nice!

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1701 W Frier Drive Phoenix, AZ 85021

$635,000

4 Beds

3 Baths

2,310 SqFt

Status Active Under Contract

MLS # 6761449

Property Type Single Family Residence

Price Type --

Welcome to this beautifully upgraded 4-bedroom, 3-bathroom home nestled in the heart of Northern Star. This property boasts an open-concept floor plan, perfect for entertaining, with a spacious new kitchen and wine bar area featuring granite countertops, stainless steel appliances, and a large island. The primary suite offers a private retreat with a walk-in closet and luxurious en-suite bathroom with a custom wet room. Step outside to enjoy the patio, ideal for relaxing or hosting summer barbecues. Located just minutes from Phoenix Mountains Preserve, Light rail system and Orangewood Elementary School, this home offers the perfect balance of comfort and convenience. Don't miss out on this fantastic opportunity. Listing Agent is Part Owner of LLC. Spacious secondary living room featuring a cozy fireplace, perfect for relaxing on chilly days while enjoying your favorite shows. This versatile space also provides an ideal setting for hosting large gatherings and entertaining guests or making the perfect office space. All wood flooring has been freshly refinished and cleared coated that will last a long time.

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9310 S 182nd Lane Goodyear, AZ 85338

$635,000

4 Beds

3 Baths

2,851 SqFt

Status Active

MLS # 6707263

Property Type Single Family Residence

Price Type --

Welcome to Estrella Mountain in Goodyear, Arizona. This beautifully remodeled home features modern finishes throughout, enhanced by the added benefit of solar power for energy efficiency. Enjoy the best of Arizona living with local amenities including scenic hiking and biking trails, pristine parks, and access to the residents-only Starpointe Residents Club and Presidio Residents Club, which offer pools, fitness centers, and more. Conveniently located, this home is just a 30-minute drive from Sky Harbor International Airport, Sports enthusiasts will appreciate the quick 25-minute drive to State Farm Stadium, and military personnel will benefit from the proximity to Luke Airforce Base, only 20 minutes away. Don't miss this great home with views & a private yard with sparkling pool!

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694 W Ebony Way Chandler, AZ 85248

$635,000

3 Beds

2 Baths

1,979 SqFt

Status Active Under Contract

MLS # 6724517

Property Type Single Family Residence

Price Type --

NEW PRICE! Single level home on oversized premium lot nestled in the heart of Chandler! This home has been meticulously maintained & will attract the buyer who desires a home for relaxing & entertaining. NEW ROOF in 2019! NEW HVAC units in 2021. Updated kitchen that offers granite counters, upgraded 42'' upper cabinets, island, stainless steel appliances & breakfast bar for extra seating. Flex space off of kitchen will accomodate a large dining table or leave it open; includes passthrough window to outside. Massive living space for giant sectionals & TV's. Den off of entry could be converted to a 4th bedroom. Primary bedroom split from other bedrooms w/ separate exit to patio. Primary bath w/ double sinks, walk-in closet & sep tub & shower. Ready to relax or entertain? Step out to oversize lot w/ large 16,000 gallon pool, extended covered patio w/ stamped concrete plus storage shed complete with power! Great hobby room! RV gate with paved surface to park a trailer or boat or extra car. Very popular split 3 car garage that makes single car garage with AC wall unit & sink a great shop or maybe a gym? 240V outlets in both garages. Close to 101 and 202 and the Chandler tech corridor. Shopping & Dining nearby plus close to downtown Chandler. Top rated schools add to the allure of this area.

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1433 E Tulsa Street Gilbert, AZ 85295

$635,000

3 Beds

2 Baths

2,136 SqFt

Status Active

MLS # 6770807

Property Type Single Family Residence

Price Type --

Welcome to your dream home! This stunning property offers modern convenience and comfort in an excellent neighborhood and top-rated school district. Step into the open living space with soaring high ceilings and beautiful waterproof luxury vinyl plank flooring. The chef's kitchen is a masterpiece, featuring quartz countertops, brand-new stainless steel appliances, an Italian-made sink, soft-close cabinets, and a new refrigerator and dishwasher. The spacious bonus room is perfect for an office or den. Enjoy the low-maintenance front and back yard, complete with a large paver patio and double-door RV gate.

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9060 E Captain Dreyfus Avenue Scottsdale, AZ 85260

$635,000

3 Beds

2 Baths

1,440 SqFt

Status Active Under Contract

MLS # 6761855

Property Type Single Family Residence

Price Type --

Seller offering $5,000 in closing cost. Welcome to this beautifully updated 3-bedroom, 2-bathroom home, complete with a 2-car garage featuring a new garage door installed just a year ago. As you step inside, you'll be greeted by soaring vaulted ceilings and a spacious great room, highlighted by a cozy wood-burning fireplace with an elegant stone mantel that extends to the ceiling. The new vinyl flooring adds a modern touch throughout. The updated kitchen boasts Quartz countertops, brand-new stainless steel appliances, recessed lighting, and self-closing drawers for added convenience. The primary suite offers a serene retreat with high ceilings, a sliding door to the backyard, and an ensuite bathroom featuring a dual-sink vanity, a tiled shower, and a walk-in closet. Bedrooms 2 and 3 feature ceiling fans, new vinyl flooring and closet space. The second bathroom has been tastefully updated with a tiled shower, new vanity, and toilet. Outside, the backyard offers a covered patio, a grass area, and a second patio with an above-ground jacuzzi just off the primary suite. Additional highlights include a 5-year-old roof and a backyard drip system. Don't miss out on this stunning, move-in-ready home! This home has a fantastic North Scottsdale location! You'll enjoy a vibrant mix of outdoor recreation and upscale amenities. Just minutes away, explore hiking and biking trails in the McDowell Mountain Preserve or golf at renowned courses like TPC Scottsdale. The area also offers top-notch shopping at Kierland Commons and Scottsdale Quarter, as well as dining at a variety of high-end restaurants. With easy access to cultural hotspots like Old Town Scottsdale and the Taliesin West architecture tour, there's always something to experience nearby.

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2735 N 145th Avenue Goodyear, AZ 85395

$635,000

6 Beds

3 Baths

3,590 SqFt

Status Active

MLS # 6711546

Property Type Single Family Residence

Price Type --

Step into this entertainer's delight! All that is needed for this beautiful, move-in ready home is YOU! Motivated seller is offering a one year home warranty and $10,000 seller concessions. Home has fresh paint throughout and updated flooring including gorgeous hardwood floors and new carpet. Enjoy the amenities of all that Palm Valley has to offer. Take advantage of the savings of solar with a low monthly lease payment of $62. Don't miss out on this great opportunity!

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11207 N 109th Place Scottsdale, AZ 85259

$635,000

3 Beds

2.5 Baths

1,993 SqFt

Status Active

MLS # 6763576

Property Type Townhouse

Price Type --

BRAND NEW AC UNIT! Don't miss out on this 3 bedroom 2.5 bath townhome, located in Scottsdale. This home offers new flooring, new ac unit, new stove and great floor plan. When you walk in you will be immediately greeted with charm and a beautifully kept home. All bedrooms are located upstairs with a half bath downstairs. Washer and dryer are located in the half bath that is right off the kitchen. This home offers a two car garage with extra room for storage. Enjoy the community features of a pool, spa and tennis courts.

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6948 W Williams Drive Glendale, AZ 85310

$635,000

4 Beds

2 Baths

2,126 SqFt

Status Active

MLS # 6781263

Property Type Single Family Residence

Price Type --

This beautifully updated single-level home in the desirable Hillcrest community offers 4 spacious bedrooms and 2 renovated bathrooms. The open floor plan features vaulted ceilings, plantation shutters, and a gourmet kitchen with updated cabinetry, a tile backsplash, and a breakfast bar island. The primary bath is a true retreat, with a stand-alone tub, separate shower, and elegant finishes. The guest bedroom includes a built-in Murphy bed for added versatility. Energy-efficient features include solar panels, a newer roof, upgraded heat pumps, and a 220-amp electric car charger. The epoxy-finished 3-car garage offers plenty of storage, plus there's an additional storage shed in the backyard. The private backyard is perfect for entertaining, with a resurfaced PebbleTec pool and new Kool Deck, easy-care turf, a dirt area for pets and a removable pool fence for safety. With no rear neighbors, you'll enjoy peaceful outdoor living. Located minutes from shopping, restaurants, and the 101 Freeway, this home is both convenient and comfortable.

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48040 N 15th Avenue New River, AZ 85087

$635,000

4 Beds

2 Baths

2,291 SqFt

Status Active Under Contract

MLS # 6750671

Property Type Single Family Residence

Price Type --

PRIVATE WELL on over 2 plus acres on paved roads. Multiple gates and fenced property. This charming home has it all. Home sits back from road which offers privacy in all directions. Split floorplan, large open living area and cozy fireplace. Access to add fireplace to large primary bedroom. Beautiful new floors throughout. Storage galore. Enjoy the serenity on the extended front porch surrounded by the natural beauty of the desert. Design your guest house, workshop or hobby room in the detached 532 sq ft stone building. Detached 2 car garage. Horses, ATV, RV - you can have it all! Minutes to Outlets North Phoenix and I-17. Shopping and restaurants close while still living the rural lifestyle!

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1954 E Missouri Avenue Phoenix, AZ 85016

$635,000

3 Beds

2 Baths

1,492 SqFt

Status Active Under Contract

MLS # 6775008

Property Type Single Family Residence

Price Type --

Probate settled - seller ready to sell! 20th ST & Missouri Ave! Complete renovation of this red brick, 3 bed, 2 bath home situated an oversized 10K SF irrigated lot. This floor plan is a true entertainer's delight! The wall of glass is a beautiful transition to the outdoor living space surrounding a sparking pool nestled amongst mature fruit bearing citrus trees. The home boasts stained concrete floors, quartz countertops, re-finished cabinetry, new stainless appliances. Even a water softener! New recessed lighting and fixtures throughout the home. New garage door, entrance and interior doors, exterior gates and all fixtures. Flood irrigation keeps grass green year round for $150/yr! Panel upgrade. Treat yourself to a twilight sunset showing, views of Piestewa Peak are breathtaking

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