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

16397 W Roosevelt Street Goodyear, AZ 85338

$625,000

5 Beds

3 Baths

4,166 SqFt

Status Active Under Contract

MLS # 6742317

Property Type Single Family Residence

Price Type --

Welcome your Sanctuary awaits! This 2-story home boasts an open floorplan with 5 bedrooms, 3 bathrooms and sits at 4166 square feet. Upon entrance you are greeted by high ceilings and a stunning spiraled staircase. Beautifully updated with tile flooring and granite countertops. The kitchen has an open layout which is great for entertaining. The upstairs loft creates the perfect space for a home office. Conveniently located near Pebble Creek Golf Resort, as well as shopping centers and entertainment. Assumable FHA loan at 4.75%!!

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2949 W Morrow Drive Phoenix, AZ 85027

$625,000

4 Beds

2 Baths

2,214 SqFt

Status Active Under Contract

MLS # 6752400

Property Type Single Family Residence

Price Type --

Big, Beautiful Block Home with Extra Garage & Workshop - Coveted Ridgewood Acres, North Phoenix This spacious 4-bedroom, 2-bathroom, 2214 square foot block home is located in the highly sought-after Ridgewood Acres community in North Phoenix. Sitting on extra-large 0.4-acre lot, this home offers plenty of space both indoors and out, perfect for families and hobbyists alike. Key Features: •Pavered Circle Driveway & Covered Entry: Welcoming entryway into the family room/den for extra cozy living space. •Wood-Burning Fireplace: Cozy up in the living area with a charming wood-burning fireplace. •Updated Kitchen: Features soft-close cabinets, a pantry, granite countertops, stainless steel appliances, and a breakfast area with a bay window. •Formal Dining Room: Perfect for hosting dinners or family gatherings. *Primary Bedroom: Includes a walk-in closet, separate shower & toilet, and updated vanity. *Updated Bathrooms: Both bathrooms feature updated vanities and countertops for a modern touch. * Attached 2-Car Garage & Laundry Room: Attached garage for easy access and extra storage. Spacious laundry area in garage, includes washer & dryer. *Outdoor Living: Large covered back patio, lush grassy yard with mature shade trees - perfect for relaxing or entertaining. *Plenty of Storage & Workspace: The extended driveway leads to a large 28' x 32' detached garage/ workshop, complete with cabinets, workbenches, and space for all your vehicles, RVs, and toys. *Automatic RV Gate & Large Slab Area: Secure and convenient parking for RVs or extra vehicles. *No HOA: Enjoy the freedom to make this space your own without restrictive HOA regulations. *Prime Location: Located minutes from I-17 and 101 freeways, this home is close to shopping, dining, and entertainment, providing easy access to everything North Phoenix has to offer. Don't miss out on this rare opportunity to own a home in Ridgewood Acres!

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619 E Hearne Way Gilbert, AZ 85234

$625,000

4 Beds

2 Baths

2,357 SqFt

Status Active Under Contract

MLS # 6769161

Property Type Single Family Residence

Price Type --

This beautifully updated 4bed/ 2bath gem offers an open concept living & dining space perfect for entertaining. The stylish kitchen boasts a large quartz island, ss appliances, & a cozy eat-in nook. Retreat to the master suite w/double doors, spa-like bath with quartz counters, a luxurious tub & glass enclosed shower, & spacious walk-in closet. The secondary bedrooms are generously sized, & the second bath is newly remodeled with chic tile & quartz. Step outside to a lush, landscaped yard & expansive patio, ideal for gatherings. Community perks include a heated pool/spa, walking trails, and serene green belts. Plus, you're minutes from downtown Gilbert's restaurants, shopping, and Freestone Park. Recent upgrades include OWNED SOLAR, fresh paint, new carpet, fully remodeled bathrooms, & and a brand-new roof. This home is move-in ready and located in a highly desirable neighborhooddon't miss out!

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15550 N Frank Lloyd Wright Boulevard Unit 1009 Scottsdale, AZ 85260

$625,000

3 Beds

2.5 Baths

1,656 SqFt

Status Active

MLS # 6726509

Property Type Single Family Residence

Price Type --

One of the kind with tons of upgrades done just recently. Brand new flooring with water proof laminate, brand new kitchen with quartz countertops, LG appliances, newer AC unit only 3 years old, brand new windows in entire house just installed, one year old water heater, newer water softener and water osmosis, equipment. Not to mention prime Scottsdale location just east of Loop 101 on Frank Lloyd Blvd . Phoenix Open, Barret Jackson and TONS of shopping/dining at Kierland Commons/Scottsdale Quarter just down the street. Don't miss this opportunity this place offer to you.

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9714 E Lobo Avenue Mesa, AZ 85209

$625,000

5 Beds

3 Baths

3,274 SqFt

Status Active

MLS # 6754419

Property Type Single Family Residence

Price Type --

UNBELIEVABLE OPPORTUNITY in the prestigious Augusta Ranch Community in East Mesa. There is ROOM for all with a home such as this. Living Room, Formal Dining area, Sizable Kitchen with all the space needed to to make a restaurant jealous. FULL BEDROOM and BATHROOM DOWNSTAIRS, the perfect ENSUITE. WORK FROM HOME? No problem as this home has the ideal downstairs office/den set up. Upstairs is where the perfect escape awaits. A private owners suite, that comfort and serenity is practically mandatory. Relax and enjoy a few quite moments in the garden tub, Featuring Vaulted Ceilings, oversized secondary bedrooms all with ceiling fans. 3 car-garage! Time to entertain? The backyard under the patio with friends and family swimming in the private play pool with a fun waterfall feature is the spot Plenty of grass area in the back as the backyard is large and spacious. All the family will take advantage of this spectacular space. Perhaps what might make this home most attractive is the community itself. The Golf Course in renowned for being the best executive golf course in the State of Arizona, an elementary school within the community, Gilbert School district, 4 parks, 1 restaurant, and minutes from the US 60 make this the ideal community to live. Why go anywhere else? Find your next dream home here...and make it your own!

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755 E Orchid Lane Gilbert, AZ 85296

$625,000

3 Beds

2.5 Baths

2,800 SqFt

Status Active

MLS # 6752734

Property Type Single Family Residence

Price Type --

PAID OFF SOLAR! Enjoy $50 summer electric bill with this energy efficient home. Ideal location minutes from DT Gilbert, top-rated schools, shopping in San Tan Vistas, and tons of local dining. Major upgrades include OWNED Solar, a newer roof(2022), and new quartz countertops(2024). The home offers a wonderful floorplan which is highlighted by 3 large bedrooms, multiple living spaces, den, and an enclosed AZ room. Find beautiful travertine tile in the main living spaces and plantation shutters through out the home. The large, chefs kitchen features new quartz countertops, gas range, central island, and ample storage The primary suite is spacious and is complimented by an ensuite featuring his and her vanaties, seperate shower & soaking tub, & a large walk-in closet. Both the front and backyard are on a automatic irrigation system for easy upkeep, leaving you more time to enjoy your green spaces. Don't miss an opportunity to make this yours.

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6518 W Bent Tree Drive Phoenix, AZ 85083

$625,000

4 Beds

3 Baths

3,152 SqFt

Status Active Under Contract

MLS # 6743569

Property Type Single Family Residence

Price Type --

Picture-perfect sunsets from your new home! This large 4 bed/3 bath plus loft is located in a quiet neighborhood w/picturesque views. Lovely curb appeal w/stone accents & front porch. Spacious living areas excellent for hosting & entertaining guests. Upgrades include new interior paint, a gas fireplace, new lighting throughout, & a new water heater. The gourmet kitchen is equipped with an electric cooktop, a wall oven, granite counters, rich wood cabinetry, & an island w/a breakfast bar. Main suite upstairs has a full ensuite, a walk-in closet, & a private balcony w/mountain views. Don't miss the spacious 3-car garage! The vast backyard provides a covered patio & a firepit. Hiking trails right down the street. Backyard ready for your dream pool design! See rendering photos for inspiration

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29398 N 130th Glen Peoria, AZ 85383

$625,000

3 Beds

2 Baths

1,635 SqFt

Status Active

MLS # 6771632

Property Type Single Family Residence

Price Type --

Welcome home to this beautiful Flora model that is nestled in the highly sought after community of Trilogy at Vistancia. You will immediately notice upon entering the home the paver oversized front courtyard to enjoy a morning coffee or simply entertain guests. You will love the chefs kitchen with maple cabinets, newer granite counter tops, a convenient center island and well thought out kitchen design. A Flex room that can be used as 3rd bedroom or den/study. Relax and enjoy entertaining all your guests with the privacy of this resort like backyard recently updated in 2018. This home boasts a new tiled floor 2020, recently replaced HVAC 2019, post tension slab, central vac, blown in insulation, 4 foot extension to the garage.

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3118 N 15th Avenue Phoenix, AZ 85015

Open House

$625,000

3 Beds

2 Baths

1,392 SqFt

Status Active

MLS # 6771036

Property Type Single Family Residence

Price Type --

The search is over! Fall in love with the appealing open layout featuring a soothing palette, a modern feature wall, recessed lighting, and attractive wood-like flooring. The delightful kitchen comes with quartz counters, grey shaker cabinets with crown moulding, a stylish tile backsplash, stainless steel appliances, a handy pantry, and a center island with a breakfast bar for casual dining. The primary bedroom includes an ensuite with double sinks, a lavish raindrop shower, and a convenient and large walk-in closet. Outdoors, you'll find an open patio, pristine artificial turf, and a shed for additional storage. HVAC System was replaced 20024. Don't miss out on this fantastic opportunity!

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4167 N Brigadier Drive Florence, AZ 85132

Open House

$625,000

2 Beds

2.5 Baths

2,514 SqFt

Status Active

MLS # 6776342

Property Type Single Family Residence

Price Type --

Enjoy the luxury and RESORT STYLE LIVING with this HIGHLY UPGRADED Sun City home. Your new beautiful ''Journey'' model is offered FULLY FURNISHED and located on a PREMIUM WASH LOT offering stunning Sonoran Desert views. The exquisite outdoor living space features a private courtyard, paver driveway, extended paver patio, synthetic grass, fencing and beautifully landscaped yards. Every detail has been added starting with the gorgeous CHEFS KITCHEN cabinet layout w/granite counter tops, BUTLERS PANTRY, wood-look tile flooring, tray ceilings, built-in fireplace feature and a double sliding glass door leading to the patio. Additional details include a GOLF CART GARAGE, First Impression security door, ceiling fans and a large walk-in shower and double vanity in the primary en-suite. STUNNING HOME THAT NEEDS TO BE SEEN TO APPRECIATE! Merrill Ranch also offers the Anthem Grille, The Poston Butte Golf Club, a learning center and all the festivities, activities and amenities a Sun City community has to offer. Remember you are buying a lifestyle that goes beyond the homes property lines.

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5064 E Peak View Road Cave Creek, AZ 85331

$624,995

3 Beds

2.5 Baths

2,141 SqFt

Status Active

MLS # 6650226

Property Type Single Family Residence

Price Type --

3BD 2.5BA 2141 SQ FT HOME WITH PRIVATE POOL IN GREAT LOCATION. LARGE BKYD THAT BACKS TO DESSERT WASH. TILE IN ALL WALK AREAS & CARPET THROUGHOUT.

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5529 W Paseo Way Laveen, AZ 85339

$624,990

5 Beds

3.5 Baths

4,122 SqFt

Status Active

MLS # 6765011

Property Type Single Family Residence

Price Type --

''Welcome to this stunning Diamond floorplan home, offering a generous 4,122 square feet of modern living space. This beautifully designed residence features 5 spacious bedrooms and 3.5 luxurious bathrooms, providing ample room for both relaxation and entertaining. As you enter, you're greeted by a bright and airy layout that seamlessly flows from the den to the inviting living areas. The office loft is perfect for remote work or study, ensuring you have a dedicated space for productivity. The heart of the home is the chef-inspired kitchen, showcasing sleek white cabinets, a striking quartz kitchen island, and stylish black hardware. Whether you're hosting gatherings or enjoying cozy meals, this kitchen is sure to impress. Stylish plank tile flooring runs throughout the main areas, adding a touch of elegance and durability. The Spanish elevation of the home adds a unique charm and curb appeal that you'll love. Additional features include a spacious 3-car tandem garage, providing plenty of storage and parking options.

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