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

12324 W Luxton Lane Avondale, AZ 85323

$638,000

4 Beds

3.5 Baths

2,624 SqFt

Status Active

MLS # 6693670

Property Type Single Family Residence

Price Type --

10' ceilings, 8' doors and large, energy efficient windows allowing in an abundance of natural light highlight this gorgeous 4 bed, 3.5 bath open plan with enclosed study in Alamar. Enjoy trying new recipes in the gorgeous gourmet kitchen boasting painted 2-tone, shaker style cabinets, quartz countertops and GE stainless steel appliances with gas cooktop and large hood vent. Designer-selected finishes include upgraded tile flooring, carpet and pad, custom backsplashes, and accent lighting. Escape from a long day to the large owner's retreat boasting a tiled walk-in shower, soaking tub, and huge walk-in closet. Other features include 2-tone paint, 12' sliding glass door to the covered outdoor area and a large backyard. 2X6 CONSTRUCTION; NEW HOME WARRANTY. Welcome Home.

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17550 S Thunder Ridge Drive Peeples Valley, AZ 86332

$638,000

3 Beds

2.5 Baths

1,582 SqFt

Status Active

MLS # 6761342

Property Type Single Family Residence

Price Type --

YOU'LL FEEL LIKE YOU'RE LIVING ON VACATION! Gorgeous home in beautiful Peeples Valley, AZ on 4.8 acres with stunning, panoramic views. Tongue & groove ceiling, a wood burning fireplace and rough sawn wood beam add rustic charm while plentiful amenities bring modern conveniences. Split floor plan boasts an oversized owner's suite, secondary bedrooms w/ Jack & Jill bathroom & a much desired powder room for guests. Finished loft offers addt'l flex space, as does the separate garage room. Open Kitchen w/ abundant cabinets. French doors & windows provide fantastic natural light & picturesque views of the landscape. Loads of storage both in the home, as well as in the 39 x 39 garage. This garage is a standout! CLICK 'MORE INFO' for a list items which convey and additional important information! 3,000 gallon water storage is already plumbed for a 2nd tank and conveys. Chicken coop, raised garden beds convey. You'll be all set to launch your mini farming op! ** NEW SOLAR SYSTEM will be paid off at close of escrow. ** NO HOA! Agents, see back notes for full list of items which convey / don't convey. This home is truly turnkey and ready to go. Peeples Valley boasts blue skies, fresh mountain air and 4 mild seasons. Close to Prescott, Wickenburg and Phoenix. Agents live in area. ** Check out the video in slide 2 of the PHOTOS TAB. **

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4220 N 32nd Street Unit 39 Phoenix, AZ 85018

$638,000

3 Beds

3 Baths

1,487 SqFt

Status Active

MLS # 6741865

Property Type Townhouse

Price Type --

Introducing the epitome of modern patio home living in the heart of Arcadia - welcome home to the Arcadian Phoenix. Nestled in the coveted 85018 area code, these modern townhomes redefine living with their spacious floor plans and an array of amenities. Step inside to discover a haven of elegance, boasting 10-foot ceilings on the main living floor and large windows that flood the space with natural light. The gourmet kitchen seamlessly merges with the inviting family room, creating the perfect setting for both everyday living and entertaining. Revel in the exquisite finishes, featuring stunning cabinetry, sleek quartz countertops, and timeless stainless steel appliances. Experience true architectural brilliance with the inclusion of a charming Juliet balcony

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3240 W Daley Lane Phoenix, AZ 85027

$638,000

4 Beds

2.5 Baths

2,972 SqFt

Status Active

MLS # 6771265

Property Type Single Family Residence

Price Type --

Welcome to this beautifully updated 4-bedroom, 2.5-bathroom home! Step inside to discover brand-new flooring and fresh interior paint throughout, along with a newly renovated bathroom. The spacious kitchen offers ample cabinet and counter space, a generous island, a built-in workspace, and a pantry for extra storage. The expansive great room is ideal for entertaining or cozying up by the fire on chilly winter nights. The large master suite boasts a walk-in closet, dual sinks, a separate tub and shower, a private toilet room, and a roomy linen closet. Outside, the expansive backyard with mature landscaping and a covered patio provides endless possibilities for outdoor living and activities. Let your imagination soar!

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7843 E Plaza Avenue Scottsdale, AZ 85250

New

$638,000

2 Beds

2 Baths

1,703 SqFt

Status Active

MLS # 6778463

Property Type Townhouse

Price Type --

Welcome to this wonderful 2-bedroom townhome in the desirable Laguna San Juan Community! Discover a blend of tile & carpet flooring, neutral palette, and ceiling fans throughout. The two-way fireplace adds warmth and inviting ambiance, seamlessly connecting the inviting living room and formal dining room, ideal for relaxation and entertaining. The kitchen features abundant white cabinetry, built-in appliances, and a breakfast bar ideal for quick midnight snacks. Primary retreat boasts sliding glass doors to the back patio, plus an ensuite with dual sinks. Enjoy outdoor living in the serene backyard with a covered patio and pavers. Don't forget to take a refreshing dip in one of the two community pools! This rare find won't last long!

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5462 W Geronimo Street Chandler, AZ 85226

$638,000

4 Beds

2 Baths

2,248 SqFt

Status Active Under Contract

MLS # 6775164

Property Type Single Family Residence

Price Type --

Welcome to this stunning single-story home in a highly desirable Chandler neighborhood, previously a model home! This spacious 4-bedroom, 2-bath residence boasts a split floor plan, featuring a luxurious master suite with French doors opening to a large covered patio and backyard oasis, complete with a sparkling heated pool and spa, resurfaced in 2020. The master bath has been beautifully remodeled with a jetted jacuzzi tub and separate shower. Enjoy newer amenities, including a Trane AC, roof underlayment, appliances, and water heater. The 3rd car tandem garage has been converted to a versatile additional room, perfect for a den, office, or game room, w/ easy conversion back to a garage. Fresh exterior paint in 2022 adds to the home's curb appeal. Don't miss this exceptional opportunity.

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6202 E Mckellips Road Unit 65 Mesa, AZ 85215

$638,000

3 Beds

2 Baths

1,818 SqFt

Status Active

MLS # 6765063

Property Type Single Family Residence

Price Type --

Stunning turn-key detached home located directly on golf course! Very rare Floratina Model in the premier gated community of Tuscany Villas. Resort living at it's finest. Brand new a/c unit, bath cabinets, and pantry installed in 2023. Unit does not share walls with neighbor. Upgraded granite counter tops throughout. Open concept kitchen adjacent to family room w/island, maple cabinets, designer backsplash and stainless appliances. Sliding glass doors to covered back patio for entertaining, outdoor dining, cozy firepit, new artificial turf and relaxing lounge area. Adjacent to wash for side courtyard privacy. Large primary bedroom, ensuite bath and walk in closet. 2 car garage w/built in cabinetry and lots of newly added storage. Community heated pool and spa, workout room & clubhouse!

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4616 E Peak View Road Cave Creek, AZ 85331

$638,000

3 Beds

2 Baths

1,743 SqFt

Status Active Under Contract

MLS # 6762545

Property Type Single Family Residence

Price Type --

Gorgeous Ryland Home in desirable Tatum Ranch! This sought after floor plan has 3 bedrooms, 2 baths, large living spaces and a 2-car garage. A feeling of spaciousness is created by the vaulted ceilings and lots of natural light. Travertine floors complement the main living areas. The open concept kitchen boasts a large island, a casual eating area, beautiful granite counters, tile backsplashes and stainless-steel appliances. Kitchen area flows seamlessly into the family room which has a built-in entertainment center. At the end of the day, one can retreat into the relaxing environment of the main bedroom with high ceilings, an all-tile walk-in shower, double vanity area and large closet. The nice-sized backyard is an oasis with an updated pool and north/south exposure. A must see!!!

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6225 E Carolina Drive Scottsdale, AZ 85254

$637,900

3 Beds

2 Baths

1,415 SqFt

Status Active

MLS # 6733040

Property Type Single Family Residence

Price Type --

Welcome to this charming single-story home boasting fresh interior and exterior paint that accentuates its bright and airy ambiance. The kitchen features stainless steel appliances including a range and dishwasher, complemented by beautifully painted cabinets and quartz countertops that provide ample workspace. With three bedrooms and two baths, this home offers both comfort and functionality. Enjoy entertaining in the spacious living areas complete with a cozy fireplace and luxury vinyl plank flooring throughout. Outside, a fenced pool awaits in the private backyard, perfect for relaxing or hosting gatherings. This home combines modern upgrades with classic charm, making it an ideal retreat for any homeowner.

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16403 W Baden Avenue Goodyear, AZ 85338

$637,500

5 Beds

4 Baths

4,166 SqFt

Status Active

MLS # 6760403

Property Type Single Family Residence

Price Type --

Welcome to your dream home! This stunning 2-story residence, located in the desirable Canyon Trails community, offers 5 spacious bedrooms, 4 full bathrooms, and a bright, open floor plan. 1 bedroom and full bath on first floor. The grand entry boasts vaulted ceilings and a versatile den, while the inviting family room features a cozy fireplace — perfect for relaxing evenings. The open-concept kitchen is a chef's delight, showcasing granite countertops, a breakfast bar, new stainless steel appliances, and dual wall ovens. The expansive master suite is a true retreat, complete with an en-suite bathroom featuring a glass block shower, separate double vanities, and a large walk-in closet. Upstairs, enjoy additional living space in the loft/bonus room. Step outside to a backyard oasis. The covered patio leads to a sparkling pool and an outdoor kitchen, creating the perfect setting for gatherings. There's even an RV gate. Plus, save on energy bills with the solar panels! This home is a must-see to fully appreciate all its features and charm.

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2134 E Sesame Street Tempe, AZ 85283

$637,500

3 Beds

2 Baths

1,628 SqFt

Status Active Under Contract

MLS # 6740674

Property Type Single Family Residence

Price Type --

Come check out this charming 3 bedroom 2 bath single level in Tempe. Centrally located Near the 101 and 60, Only 12 minuets away from ASU. Walk in your front door to new luxury vinyl plank flooring though out, neutral fresh paint, An amazing kitchen with all new white shaker cabinetry with soft close, quartz countertops, featuring stainless steel appliances. Completely remodeled bathrooms. Backyard features a pool surrounded with natural grass and a covered patio. Home is a short drive by Chandler mall, Mesa river view and Tempe marketplace. come see this amazing luxury remodel!

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5771 W Cinder Brook Way Florence, AZ 85132

Open House

New

$637,500

3 Beds

2.5 Baths

2,590 SqFt

Status Active

MLS # 6777576

Property Type Single Family Residence

Price Type --

JOURNEY TO RESORT STYLE LIVING w/ Private heated POOL & SPA!! Only the best w/ over $130k in builder upgrades featuring a Private Courtyard w/beautiful iron security gate & ornate glass door to designer tile entry & Plantation Shutters, Den w/ gorgeous French Doors, Chef Lux kitchen w/ Gas Cooktop & dbl ovens, Luxurious Black Stainless built-in appliances, u/c lighting, Pendant lighting over a spacious unpolished Granite Island, soft close staggered raised panel cabinets w/ Pots & Pans drawers, pull outs, tiled backsplash, spacious walk-in pantry & Butler's pantry. Owner's Suite features bowed window, stunning walk-in tile shower & Granitex vanities. 2 Guest Bedrooms w/ shared en-suite. Extended Patio w/ Pergola, Private Pool w/ Water Feature & Spa! Poston Butte Golf Course & Grille!!!

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