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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4061 E Carriage Way Gilbert, AZ 85297

$619,999

4 Beds

2.5 Baths

2,902 SqFt

Status Active Under Contract

MLS # 6728060

Property Type Single Family Residence

Price Type --

Welcome to Power Ranch, one of the most desirable communities in Gilbert, Arizona! In the community of Power Ranch, you'll enjoy access to incredible community amenities, including 13 parks, walking trails, 2 fishing lakes, 2 pools, splash pads, playgrounds, tennis, softball, soccer fields, basketball & more! This location is ideal sitting in between Queen Creek Marketplace & The San Tan Mall. You're just minutes away from shopping, dining, & top-rated schools, making this the perfect place to call home. This exquisite 4 bedroom home, complete with an upstairs loft is full of natural light that accentuates the open floor plan & high ceilings. The home features two distinct living areas, providing plenty of room for everyone to relax & entertain. The kitchen has a gas stovetop, an island, upgraded countertops & matte black appliances. The spacious owner's suite is located downstairs & has views of the mountains out the window. The bathroom has a separate shower & soaking tub, double vanities, & a spacious walk in closet with a washer & dryer. Upstairs you'll discover 3 additional bedrooms, a full bathroom & a huge loft that has views of the golf course & mountains. Don't miss out on the opportunity to own an incredible house like this in Gilbert, Arizona. Welcome home!

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3728 W Antelope Way San Tan Valley, AZ 85144

$619,995

3 Beds

3.5 Baths

2,482 SqFt

Status Active

MLS # 6705342

Property Type Single Family Residence

Price Type --

Don't look any further for your new home! This quick move in home features an attached casita, flex room, and living room expansion on a corner home site. The casual dining area and living room are adjacent to the kitchen and provide an intimate setting. The home is loaded with extras, including tile floors throughout, an upgraded Kitchen Aid appliance package, multi-panel pocket door at the great room, beautiful quartz countertops, slate cabinets, and much more. This home is in close proximity to the fire pit sitting area and butterfly garden amenities. Experience the luxury you've always wanted!

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29403 N 31st Lane Phoenix, AZ 85083

$619,990

4 Beds

3 Baths

2,105 SqFt

Status Active

MLS # 6771893

Property Type Single Family Residence

Price Type --

Special Financing Available! This single-level home showcases Lennar's signature Next Gen® suite, which is comprised of a separate living space, kitchenette, bedroom and bathroom, ideal for multigenerational living. In the main home, the Great Room, kitchen and dining room are arranged among a convenient open floorplan, with sliding glass doors that lead to the covered patio. The owner's suite is situated at the back of the home, while two bedrooms are found off the foyer. Photos are renderings of a model home, not the actual home.

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5330 W Walatowa Street Laveen, AZ 85339

$619,990

5 Beds

4 Baths

2,908 SqFt

Status Active

MLS # 6674395

Property Type Single Family Residence

Price Type --

MLS#6674395 Ready Now! The Pinnacle at Tierra Montana Encore presents a two-story layout with a generously sized primary suite downstairs. This suite boasts an expansive shower with tub, dual sink vanity, and a spacious walk-in closet suitable for all seasons. Additionally, there's a guest bedroom and full bath conveniently located towards the front of the home, ideal for overnight visitors. The open-concept gathering room connects to the dining and kitchen area. Upstairs, you'll find three bedrooms, two bathrooms, and a versatile loft space, perfect for hosting game nights. Structural options include: bedroom 5/bath 4, shower in lieu of tub in two at bath 4, tub and shower at owner's bath, extended walk in closet at owner's suite, paver from porch and gourmet kitchen. 4' garage extension, garage service door, pre-plumb for future

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11518 E Utah Avenue Mesa, AZ 85212

$619,990

4 Beds

3.5 Baths

2,800 SqFt

Status Active

MLS # 6702345

Property Type Single Family Residence

Price Type --

Welcome to this stunning 4 bedroom, 3.5 bathroom home with 2 dens located in the East Valley's newest community, Destination at Gateway! Step into the spacious home with 10-foot ceilings, adorned with elegant 8-foot interior doors and 4 1/4 inch baseboards. The home boasts 6 x 36'' wood look tile throughout, exuding a sense of luxury and warmth. Prepare exquisite meals in the gourmet kitchen, featuring a 36-inch gas cooktop and under-cabinet hood, complemented by beautiful 42-inch charcoal shaker cabinets with cabinet hardware. The kitchen dazzles with quartz countertops, a stylish kitchen backsplash, an Undermount sink, and a sleek stainless steel faucet. The bedrooms offer a peaceful retreat, while the bathrooms showcase upgraded lights and elegant brushed nickel faucets.

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20105 W Pinchot Drive Buckeye, AZ 85396

$619,990

3 Beds

3 Baths

2,835 SqFt

Status Active

MLS # 6715566

Property Type Single Family Residence

Price Type --

Below Market Financing Available!!!!!!!! This single-level home is host to two secondary bedrooms situated off the foyer with a convenient game room in between them, ideal for younger family members. At the back of the home, a generous open floorplan is shared between the Great Room, kitchen and dining room, offering access to a covered patio. The owner's suite and a fourth bedroom can be found in a private wing off the living and dining space. Photos are the actual home along with staged renderings.

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5325 W Rainwater Drive Laveen, AZ 85339

$619,990

5 Beds

4 Baths

2,838 SqFt

Status Active

MLS # 6717315

Property Type Single Family Residence

Price Type --

MLS#6717315 Ready Now! The Pinnacle at Tierra Montana Encore showcases a two-story design featuring a generously sized primary suite on the main floor. This suite includes a spacious shower with a tub, a dual-sink vanity, and a walk-in closet suitable for all seasons. The large gathering room seamlessly connects to the gourmet kitchen and dining area. Completing the first floor, you'll find a laundry room and a guest bedroom with a full bath conveniently located towards the front of the home, perfect for overnight visitors. Upstairs, there are three additional bedrooms, two full baths, and a spacious loft, ideal for your family. Structural options include: bedroom 5 with bath 4 in lieu of den, 10 x 8' sliding glass door, soft water loop, and gas line for future outdoor kitchen.

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791 W Rock Needle Trail Apache Junction, AZ 85120

$619,990

3 Beds

2.5 Baths

2,473 SqFt

Status Active

MLS # 6730540

Property Type Single Family Residence

Price Type --

Up to 3% of base price or total purchase price, whichever is less, is available through preferred lender plus additional 2% of base price or total purchase price, whichever is less, is available to be used toward closing costs, pre-paids, rate buy downs, and/or price adjustments. This exquisite Parklane model, priced for a quick sale and set for August completion, offers 3 bedrooms, 2.5 baths, and a versatile den. The chef's kitchen with a 36'' gas cooktop, wall oven, and pearl white quartz countertops is perfect for entertaining. Additional features include a 2' garage extension, 3-car tandem garage, and a luxury shower with dual shower heads in the owner's bath.

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16430 W Desert Mirage Drive Surprise, AZ 85388

$619,990

4 Beds

3 Baths

2,623 SqFt

Status Active

MLS # 6754292

Property Type Single Family Residence

Price Type --

It's the stunning Topaz - 4 bedrooms with walk in closets + study and 3 full baths. Plenty of counter space and large walk in pantry. Pavers at drive, walk and entry. Large extended covered patio. Beautiful kitchen includes gas appliance package with stainless steel 30'' cooktop, wall oven and hood. Sonoma maple ''Linen-off white) cabinets with 42'' kitchen uppers with pull out trash drawer. AZT Tawny quartz countertops at kitchen. Black single bowl under mount sink. Upgrade flooring includes Beaumont Olmo 7x24 plank tile with 5'' baseboards and 3 1/4'' door casings throughout. Two tone interior ''Great Gray'' paint throughout. 8' tall garage doors and so much more. Estimated completion December.

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6765 W Molly Lane Peoria, AZ 85383

$619,990

3 Beds

2.5 Baths

2,051 SqFt

Status Active

MLS # 6773969

Property Type Single Family Residence

Price Type --

North/South Exposure with scenic views! 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 'El Dorado' 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, Desert Backyard Landscaping and Smart Home Technology. Home is now complete and ready to call home, photos of actual home!

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26851 N 67th Drive Peoria, AZ 85383

$619,990

3 Beds

2.5 Baths

2,051 SqFt

Status Active

MLS # 6711432

Property Type Single Family Residence

Price Type --

READY NOW-turn key! 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 'El Dorado' 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 9' ceilings, Gourmet Gas Kitchen, Smudge Proof Stainless Steel Appliances, Blinds, Pre-Plumb for Soft Water, and Smart Home Technology. Photos and virtual tour of similar spec home, options may vary**

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9849 E Radioactive Drive Mesa, AZ 85212

$619,990

4 Beds

3 Baths

2,137 SqFt

Status Active

MLS # 6766186

Property Type Single Family Residence

Price Type --

FUNCTIONAL 4 BED + 3 FULLBATH. GREAT GILBERT SCHOOL DISTRICT. FAST GROWING EASTMARK, GREAT APPRECIATION OF PROPERTY VALUE! FULLY LANDSCAPED FRONT & BACKYARD, COVERED PATIO, PAVERS, BUILT-IN BBQ GALORE, DRYBAR, & FIRE PIT. PAVER DRIVEWAY TO ENTRY TOO! MANY UPGRADES INCLUDE: WOOD-LIKE TILE FLOORING, SHUTTERS, ELEGANT TRIPPLE-PANEL SLIDING GLASS DOOR, 8 FOOT INTERIOR DOORS, NEW LAMINATE WOOD FLOOR IN MASTERBED, LARGE SHOWER IN MASTERBATH, UPGRADED PLUMBING & LIGHTING FIXTURES & CEILING FANS THROUGHOUT, UPGRADED BASEBOARDS, APPLE KIT COMPATIBLE SMART HOME, WATER SOFTENER SYSTEM, EPOXY GARAGE FLOOR. KITCHEN FEATURES: 42'' CABINETS WITH HARDWARE, GRANITE COUNTERTOPS WITH UNDERMOUNT SINK, R/O SYSTEM, & SLATE APPLIANCES. FRIDGE/WASHER/DRYER TOO! A NEWER BUILT WITH N/S EXPOSURE = ENERGY SAVERS!

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