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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12122 N Finch Drive Fountain Hills, AZ 85268

$635,000

3 Beds

2 Baths

1,794 SqFt

Status Active

MLS # 6753161

Property Type Single Family Residence

Price Type --

Super clean and well maintained 3 bedroom, 2 bath patio home in the Morningside at Lakeside community.You will love the bonus room off Primary Bedroom too. Home has newer windows, updated kitchen & bathrooms. Vaulted ceilings make it feel much larger than it is. Private fenced backyard with trees. Attached 2 car garage with new epoxy flooring & direct access to home. Polished Travertine tile throughout, No Carpet. Low maintenance yard and home. Perfect for lock and leave or full time residence. Close to the Fountain park, hiking trails, dog park, skate park. Community features a heated community pool, spa, ramada plus a small picnic park.

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18410 W Pioneer Street Goodyear, AZ 85338

$635,000

3 Beds

2.5 Baths

2,390 SqFt

Status Active

MLS # 6753104

Property Type Single Family Residence

Price Type --

Come see this versatile property that offers an enclosed RV garage & a wonderful place to call home! In addition to 3 bedrooms, this great room floor plan also offers flex space that can be used as a game room, work out area or office. Enjoy spacious green parks, walking paths & a quiet neighborhood. This well-kept open floor plan is sure to please with it's upgraded kitchen featuring stylish cabinets, tiled backsplash, roomy kitchen island & Quartz countertops. The insulated garage is also enhanced w/ mini splits to cool your work space, has an overheight area, & an extended length for a variety of enclosed parking options as well as custom cabinets/storage rack. Other features include: extended paver driveway which leads to a concrete pad behind the utility gate, & back patio pavers! Bonus misc items: RV garage portion measurements are 40 ft in length and 14ft tall door with 16ft clear height, large walk-in tile shower in master, tiled 2nd bath shower, water softener, 2 year old water heater, whole house surge protector, wired fiber optics for improved efficiency and speed of telecommunications services/internet transmission, sun shades on sun bearing windows, custom tint on Arcadia doors and east facing windows. 

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19550 N Grayhawk Drive Unit 2041 Scottsdale, AZ 85255

$635,000

2 Beds

2 Baths

1,323 SqFt

Status Active

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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3107 W Languid Lane Phoenix, AZ 85086

$635,000

6 Beds

3 Baths

2,981 SqFt

Status Active Under Contract

MLS # 6730197

Property Type Single Family Residence

Price Type --

Wow, she's looking GOOD! New carpet, fresh paint, and now a new price! Location near I-17 & Loop 303 freeways, making commuting a breeze. Ideal for those connected to the nearby TSMC plant or seeking proximity to Lake Pleasant. The first level features vinyl plank flooring in the main living areas, creating a warm & inviting atmosphere. All 3 bathrooms have been tastefully updated to reflect modern comfort & style. Updated kitchen with plenty of cabinets, double ovens, & modern lighting, flowing into a cozy family room anchored by a gas fireplace. Adjacent, a sunlit flex room with abundant storage & utility sink. Off of the main entry, there is a convenient bedroom & bathroom providing privacy for guests or an ideal home... office. The primary suite features a custom walk-in closet, a bay window sitting room with mountain views, & a remodeled en-suite. Step outside to enjoy the beautiful backyard featuring an artificial grass area, private pool, extended patio with sun shade-perfect for outdoor gatherings & relaxation. Additional highlights include new Trane AC units (2023), soft water system, & RV gate. The Tramonto Community enhances daily life with amenities such as pools, tennis, basketball & volleyball courts, playgrounds, & trails. Nearby shopping, dining, & schools ensure seamless convenience. Experience the best of Arizona living in this beautiful home!

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4532 E Superstition Boulevard Apache Junction, AZ 85119

$635,000

3 Beds

2 Baths

1,800 SqFt

Status Active Under Contract

MLS # 6761415

Property Type Single Family Residence

Price Type --

Welcome to this stunning 3-bedroom gem nestled on an expansive 1.49-acre lot zoned for horses & surrounded by natural desert beauty. The property features a spacious layout, perfect for those who crave both privacy and wide-open space. With a 2-car carport, this home is ideal for desert living. This home has 2 newer AC units. Inside, you'll love the wood-look flooring and neutral color palette, creating a warm and inviting atmosphere. The large living and dining areas are perfect for entertaining guests or relaxing with family. The quaint kitchen is a chef's dream, equipped with stainless steel appliances, granite counters, mosaic tile backsplash, and a plethora of rich chocolate-stained cabinets. The main bedroom is a peaceful retreat, offering direct access to the backyard, a private bathroom, and a walk-in closet...Washer and dryer are included for your convenience. Step outside to the expansive backyard, complete with a covered patio, and take in the majestic mountain views. With endless potential, there's plenty of room to create your own desert paradise. Don't miss out on this incredible opportunity!

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2680 E Lodgepole Drive Gilbert, AZ 85298

$635,000

3 Beds

2 Baths

2,109 SqFt

Status Active

MLS # 6749444

Property Type Single Family Residence

Price Type --

Welcome to this wonderful single story home in beautiful Freeman Farms. This 3 bedroom/2 bath (plus a den) home showcases an open floor plan with an abundance of natural light. The home boasts of a bright kitchen, granite countertops, stainless steel appliances, and large walk-in pantry. This move in ready home features neutral tile throughout, plush carpet in the bedrooms, ceiling fans in every room, and an extended 3 car tandem garage with tons of storage and epoxy flooring. You will love the mature landscaping, covered patio, and spacious backyard that features a soothing waterfall, BBQ island, and relaxing hot tub. This quiet community offers beautiful views and is only minutes from Gilbert Regional Park and SanTan Village Mall. Make an offer today before it is gone!

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1701 W Frier Drive Phoenix, AZ 85021

$635,000

4 Beds

3 Baths

2,310 SqFt

Status Active

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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20750 N 87th Street Unit 2139 Scottsdale, AZ 85255

$635,000

2 Beds

2 Baths

1,356 SqFt

Status Active

MLS # 6743827

Property Type Townhouse

Price Type --

Amazing townhome near McDowell Mountain Preserve! Welcome to this beautifully updated two-bedroom, two-bath townhome featuring a two-car garage. The living room boasts a beautiful fireplace with elegant stone accents, creating a warm and inviting atmosphere. Step outside to a large, open patio, perfect for relaxing or entertaining. The modern kitchen is a chef's dream, equipped with stainless steel appliances, stunning granite countertops, and a convenient breakfast bar. Enjoy meals in the adjacent formal dining area, enhanced with updated fixtures that add a touch of sophistication. The large master bedroom offers a private balcony, providing a serene retreat with views of the surrounding area. Inside laundry adds convenience, making daily chores a breeze. Located just steps away from the McDowell Mountain Preserve, and minutes from Scottsdale's shopping and dining, this townhome offers easy access to outdoor adventures and breathtaking scenery. Experience the perfect blend of comfort, style, and location in this must-see home!

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7632 E Bonita Drive Scottsdale, AZ 85250

$635,000

3 Beds

3 Baths

2,026 SqFt

Status Active

MLS # 6763467

Property Type Townhouse

Price Type --

*AMAZING Villa Monterey Home *Three Bedrooms, three bathrooms, over 2000 square feet of space *COVETED DOUBLE CARPORT! *Low HOA fee of just $650 annually! *Scottsdale Historic District *Age 55+ Community *REMODELED KITCHEN with maple cabinets, GRANITE countertops, granite backsplash, NEWER APPLIANCES & modern tile flooring *Main level features spacious living room, in-ceiling lighting, formal dining space, breakfast nook, laundry utility room, primary bedroom & full bath, additional bedroom and hall bath *Upper level features loft style bedroom, full bathroom, balcony with mountain views, walk-in closet and BONUS SPACE (can be used as office, hobby area, pet area) *Wood laminate flooring *CONVENIENT door from living room to primary bedroom suite *Upgraded lighting, plantation & front entry door *Large laundry room with extra storage and side-by-side washer dryer which conveys! *Pretty PANED WINDOWS on back of home *Super nice north facing covered patio mature citrus tree, PAVERS and two fans *Home is in great condition and has been VERY WELL MAINTAINED by owners of many years *Sparkling community pool & spa *Minutes to Fashion Square Mall, Scottsdale's Waterfront, Old Town Scottsdale, Fifth Avenue Shops & Galleries, Spring Training Venues, fine and casual dining venues and SO MUCH MORE!

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10405 W Patrick Lane Peoria, AZ 85383

$635,000

4 Beds

2 Baths

2,313 SqFt

Status Active

MLS # 6719383

Property Type Single Family Residence

Price Type --

JUST REDUCED! DON'T MISS THIS AMAZING UPDATED HOME! Absolute pride of ownership in the popular Ironwood community in Northwest Peoria. Open kitchen with white upgraded cabinets and quartz counters. Large and spacious bedrooms. Updated bathrooms and showers. Custom crown molding and barn door. Sparkling private pool perfect for entertaining. Spacious lot tucked back in the neighborhood. Epoxy flooring in the garage and plenty of storage. AC duct upgraded to solid to solid material. Top rated Peoria schools and close to Candeo, Great Hearts, and Basis. Don't miss this meticulously maintained home in one of the best established communities in NW Peoria. Additionally to the garage there are 3 driveway spaces.

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961 N Willow Street Chandler, AZ 85226

Open House

$635,000

4 Beds

3 Baths

2,162 SqFt

Status Active

MLS # 6723194

Property Type Single Family Residence

Price Type --

Highly upgraded beautiful home in Chandler with a den/4th bedroom and full bathroom downstairs. Stunning hardwood floors. This home has been meticulously cared for! The new owner[s]will love the updated kitchen cabinets, granite, and appliances. The primary bathroom and shower has been beautifully updated with neutral tile and finishes! Two newer AC units. Lush landscaping with many fruit frees. Large primary bedroom with balcony. Lovely quiet interior lot. Kyrene schools. Great location. Furniture available on separate bill of sale.

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35642 N Lodestone Drive San Tan Valley, AZ 85144

$634,995

4 Beds

3 Baths

2,908 SqFt

Status Active

MLS # 6726670

Property Type Single Family Residence

Price Type --

Don't miss this designer appointed quick move in home available! This highly desired Farmhouse elevation home has mountain views and no backing neighbors. The open-concept dining room and great room are easily connected to the kitchen. Highlights of this home include stone grey cabinets, quartz countertops in the kitchen and primary bathroom, Kitchen Aid appliances, cabinets in the laundry room, a generous loft with tile floors, and much more! The home offers endless upgrades that you must see today!

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