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.

Click Here to See What Your Home is Worth

Listing types.

For Sale

For Rent

Land

Multifamily

Commercial

Location Search Nearby

BedsAny1+2+3+4+5+6+

BathsAny1+2+3+4+5+6+

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Property TypeAnyApartmentManufactured HomeSingle Family ResidenceTownhouseTwin Home

School District

Address, MLS# or Keyword

Home SizeAny600 ft2800 ft21,000 ft21,200 ft21,400 ft21,600 ft21,800 ft22,000 ft22,200 ft22,400 ft22,600 ft22,800 ft23,000 ft23,500 ft24,000 ft24,500 ft25,000 ft25,500 ft26,000 ft2

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Distressed

Open House

Location Search Nearby

BedsAny1+2+3+4+5+6+

BathsAny1+2+3+4+5+6+

Price MinAny$500$600$700$800$900$1,000$1,100$1,200$1,300$1,500$1,600$1,700$1,800$1,900$2,000$2,250$2,500$2,750$3,000$3,250$3,500$3,750$4,000$4,500$5,000$5,500$6,000$6,500$7,000$7,500$8,000$8,500$9,000$9,500$10,000

Price MaxAny$500$600$700$800$900$1,000$1,100$1,200$1,300$1,500$1,600$1,700$1,800$1,900$2,000$2,250$2,500$2,750$3,000$3,250$3,500$3,750$4,000$4,500$5,000$5,500$6,000$6,500$7,000$7,500$8,000$8,500$9,000$9,500$10,000

Advanced Options

Property TypeAnyApartmentManufactured HomeSingle Family ResidenceTownhouseTwin Home

School District

Address, MLS# or Keyword

Home SizeAny600 ft2800 ft21,000 ft21,200 ft21,400 ft21,600 ft21,800 ft22,000 ft22,200 ft22,400 ft22,600 ft22,800 ft23,000 ft23,500 ft24,000 ft24,500 ft25,000 ft25,500 ft26,000 ft2

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Location Search Nearby

Lot SizeAny1+ Acres2+ Acres3+ Acres4+ Acres5+ Acres6+ Acres7+ Acres8+ Acres9+ Acres10+ Acres20+ Acres30+ Acres40+ Acres50+ Acres

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Neighborhood

Address, MLS# or Keyword

Location Search Nearby

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

School District

Address, MLS# or Keyword

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Location Search Nearby

Lot SizeAny1+ Acres2+ Acres3+ Acres4+ Acres5+ Acres6+ Acres7+ Acres8+ Acres9+ Acres10+ Acres20+ Acres30+ Acres40+ Acres50+ Acres

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Address, MLS# or Keyword

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

View As: Thumbnails List

Sort by: Select Price, Low to High Price, High to Low Newer Listings First Older Listings First Open House Date

37289 N Dartmoor Street San Tan Valley, AZ 85140

$630,000

5 Beds

3 Baths

2,534 SqFt

Status Active

MLS # 6770852

Property Type Single Family Residence

Price Type --

Seller may consider buyer concessions if made in an offer. Welcome to this beautifully maintained property, featuring a neutral color paint scheme and fresh interior paint. The kitchen is a chef's dream with a kitchen island, all stainless steel appliances and walk in pantry. The primary bathroom boasts double sinks and a separate tub and shower. The primary bedroom includes a spacious walk-in closet, perfect for all your storage needs. Step outside to a private in-ground pool and a covered patio, perfect for entertaining and fenced in backyard. Archer Meadows is a gated community with RV gates and RV parking available. Clubhouse, pool, splash pad, fitness center, playground so much more! Close to shopping & schools! This home is truly a gem, waiting for you to make it your own.

View Property

3721 E Navaho Street Sierra Vista, AZ 85650

$630,000

5 Beds

3 Baths

3,278 SqFt

Status Active Under Contract

MLS # 6771078

Property Type Single Family Residence

Price Type --

This palatial 3,278 sqft home offers the perfect blend of comfort and style, featuring 5 bedrooms, plus a den, a loft, and a guest house complete with a full bath and kitchenette. The extra-deep 3-car garage and RV parking provide ample space for toys and hobbies, while the expansive backyard is perfect for entertaining, with a heated pool and spa. The main floor boasts a lavish primary suite with a sitting room and large spa-like ensuite with a jetted tub and walk in shower. Upstairs, oversized guest rooms surround a spacious loft. A large laundry room with a laundry chute adds convenience. With brand new carpet, fresh paint, a new stove, plus a newer roof & water heater, and owned solar system, this home is truly impressive!

View Property

14428 W Faye Way Surprise, AZ 85387

$630,000

4 Beds

2.5 Baths

2,815 SqFt

Status Active

MLS # 6772476

Property Type Single Family Residence

Price Type --

This stunning 2-story home offers a spacious and inviting living experience. With 4 bedrooms, 2.5 bathrooms, and a den, there's plenty of room for everyone. High ceilings and energy-efficient dual-pane low-e windows create a bright and airy interior. The neutral-toned walls are complemented by plush carpeting and tile flooring, providing a cozy yet modern ambiance. Upstairs, the primary bedroom features a split layout and a private ensuite bathroom for added comfort. The open kitchen is a chef's dream, with a walk-in pantry, granite countertops, and a breakfast bar. The formal dining area is perfect for entertaining guests. Outside, relax in your private backyard oasis, complete with a large pool, synthetic grass, and a firepit. The 3-car garage offers ample parking, and the home's convenient location near a community park makes it an ideal choice for families.

View Property

2057 E Marquette Drive Gilbert, AZ 85234

$630,000

4 Beds

2 Baths

2,142 SqFt

Status Active

MLS # 6772728

Property Type Single Family Residence

Price Type --

Rare remodeled single-story home with 4 bedrooms and a 3-car garage in desirable Val Vista Lakes! This open-concept home features soaring vaulted ceilings, a cozy fireplace, and a beautifully remodeled kitchen with stone countertops + farmhouse sink. Mix up your favorite beverage at the custom coffee/wet bar with mini fridge. Updated bathrooms add a fresh, modern touch. Outside, enjoy the large covered patio, mature trees, and low-maintenance artificial turf. Huge additional space to add your own pool / shop or other backyard entertainment. Lots of parks and trails just steps away. Perfectly located near the 60, downtown Gilbert, Epicenter and the Riparian Preserve. Don't miss this opportunity to own a stunning home in a prime location with desirable VV Lakes amenties and low HOA.

View Property

28755 N 131st Drive Peoria, AZ 85383

$630,000

4 Beds

3 Baths

2,222 SqFt

Status Active

MLS # 6773085

Property Type Single Family Residence

Price Type --

Beautiful premium corner lot with natural desert landscaping. Mountain view home in Sonoran Place. Enjoy the custom paver driveway and walkway to the covered porch as you enter the home. A wide entry with plank tile throughout. Plenty of room for guest with 2 bedrooms and a full bath in the front of the home. additional en suite with private entry access and large family room/office/craft or exercise room with a full bath and bedroom. This area is plumbed for a wet bar or kitchenette. Great for a multi-generation or guests or teens. Beautifully upgraded kitchen overlooking the great room. Gas cooktop. Decorative backsplash, walk in pantry and conveying fridge. The spacious owner suite boasts a large bathroom with double high sinks, a soaking tub and a walk in shower. Large master walk in closet. Resort style backyard. Large pool with a relaxing water feature. Baha shelf entrance in the pool. Artificial turf and desert views. No neighbors in back or to the right. Full size RV parking on the side of home with tons of space. No need to wait for a new build. His home has it all. More upgrades consist of complete home surround sound system. Remote control roller shades/blinds. Programmed water sprinkler system for all plants and trees. Comprehensive outdoor lighting. Heavy duty overhead storage racks in garage. Water softener system. Google nest camera doorbell. Keyless/coded front door lock. Paver RV driveway. Premium lot with views. This lot has HOA approval in place to allow RV to be seen over the fence. Only a selected amount of lots has this privilege available. Extended garage. Room for a golf cart. Low APS bills. Average $165 monthly wile living very comfortably. Solar monthly is $175.00 for the length of the lease. Fire sprinklers save on homeowners insurance. You have access to the Trilogy Golf Course and V's Taproom. Great DEAL. Washer and Dryer included. Come enjoy!!!

View Property

3509 E Morrow Drive Phoenix, AZ 85050

$630,000

4 Beds

2 Baths

1,994 SqFt

Status Active Under Contract

MLS # 6773219

Property Type Single Family Residence

Price Type --

This beautifully maintained 4-bedroom, 2-bathroom home with a pool features soaring vaulted ceilings and an open, airy layout. Oversized windows fill the home with natural light, enhancing its inviting atmosphere. The kitchen features ample cabinet space and a cozy nook, while the primary suite includes a walk-in closet, dual sinks, a separate shower and tub, and a private exit to the backyard. Updated flooring and remodeled bathrooms add to the home's charm. Step outside to your personal oasis—a spacious, shaded patio overlooking a tranquil rock waterfall that flows into a sparkling pool. The built-in BBQ makes this outdoor space perfect for both relaxation and entertaining. Conveniently located just minutes from top-rated schools, golf courses, dining, shopping, and freeway access, this home combines comfort, style, and prime location. Don't miss your opportunity to make this stunning property yours!

View Property

20431 W Lost Creek Drive Buckeye, AZ 85396

$630,000

3 Beds

2.5 Baths

2,856 SqFt

Status Active

MLS # 6774424

Property Type Single Family Residence

Price Type --

Charming Engle Alvarado home with private backyard. Welcome to your dream home! This meticulously maintained 3-bedroom, 2.5-bath residence perfectly blends mid-century charm with modern convenience. Upon entering, you'll find a bright and secluded office, ideal for remote work or study. The heart of the home features a spacious kitchen with a large center island, perfect for meal prep or casual gatherings. Sliding glass doors and multiple oversized windows make the space in this home light, bright and airy. Would you like multiple storage areas in your new home? This house has that! Coat closet, pantry, large laundry room and oversized linen closet. The single stall third car garage shares three interiors walls, offering additional storage space. Step outside to the interior courtyard, perfect for al fresco dining just off the kitchen. The expansive backyard features low-maintenance landscaping and offers a private oasis for hosting family and friends. This tidy home is a true gem and will not last long. Located in the Main St district of Verrado, with winding tree-lined streets where front porch parties happen organically and community celebrations just keep bringing people together. With over 26 miles of hiking and biking trails, there are plenty of opportunities for kids and adults of all ages to get out enjoy everything from a casual morning stroll to an ambitious summit hike. Verrado's walkable Main Street district means shops and restaurants are only minutes from your door. Five highly performing schools and more than 86 neighborhood parks are yet another part of what makes Verrado so special. However you decide to spend your days, you can rest assured you'll end each one with an unforgettable White Tank Mountain sunset.

View Property

2739 E Sourwood Drive Gilbert, AZ 85298

$630,000

3 Beds

2 Baths

2,303 SqFt

Status Active

MLS # 6775275

Property Type Single Family Residence

Price Type --

This beautiful 3-bedroom, 2-bathroom home is in an unbeatable location that borders a common area on the side and with no neighbors behind for added privacy. Offering 2,303 sqft of spacious living, this home features large bedrooms, a den, and a bonus room for flexible use. The living room, complete with a gas fireplace, is perfect for relaxing in front of a warm fire, while the neutral interior paint tones, tile flooring, and big windows add to the bright atmosphere. The kitchen boasts beautiful granite countertops, walk-in pantry and an island. Outside, the covered patio opens up to a low-maintenance backyard with pavers, new artificial grass (2023) and new landscape lighting (2020). Fantastic upgrades include a new water heater (2024), new water softener (2024) and newer A/C (2020). Additional features include an alarm system and complete pest control update roof and exterior in 2023. This home is as functional as it is beautiful!

View Property

8866 E Shangri La Road Scottsdale, AZ 85260

Open House

New

$630,000

3 Beds

2.5 Baths

2,172 SqFt

Status Active

MLS # 6778719

Property Type Single Family Residence

Price Type --

Located in the heart of Scottsdale, this beautifully updated 3-bedroom, 2.5-bathroom plus loft home offers 2,172 sq. ft of living space. Step inside to find LVP flooring throughout, complemented by neutral paint that sets a welcoming tone. The kitchen is designed for both cooking and gathering, featuring granite counter tops, a gas range, stainless steel appliances, and subway tile backsplash. Upgraded lighting and sleek hardware add a modern touch. The flexible floor plan includes a bonus loft upstairs, ideal for a home office, play area, or workout space. The oversized primary bedroom includes a walk-in closet. Outside, enjoy the privacy and ease of a low-maintenance, lock-and-leave style yard. The home also offers direct access to the adjacent greenbelt park, perfect for pets or kids to run and play. Centrally located in the Shea Corridor with easy access to Scottsdale's top shopping and dining, plus Honor Health, Mayo Clinic and the 101 Freeway. This home is truly move-in ready whether you call Arizona your full-time home or a part-time escape.

View Property

28903 N 211th Avenue Wittmann, AZ 85361

$629,999

5 Beds

3 Baths

2,681 SqFt

Status Active Under Contract

MLS # 6717920

Property Type Single Family Residence

Price Type --

Don't miss out on the opportunity to make this stunning property with NO HOA your own! This newly constructed home on 1-acre horse property offers the perfect blend of luxury and functionality. Open spacious floor plan and design the gourmet kitchen awaits, adorned with pristine white shaker cabinets and granite countertops. Tile flooring flows seamlessly throughout the entire home, offering both durability and timeless beauty. Beautiful Custom Home nearing completion! This home was built with care & quality!! Numerous details & upgrades throughout, not just cosmetically but through the bones of this home.

View Property

17375 N 10th Street Phoenix, AZ 85022

$629,999

3 Beds

2.5 Baths

2,610 SqFt

Status Active Under Contract

MLS # 6766700

Property Type Single Family Residence

Price Type --

Take pride in residing in this highly upgraded home in Villas at Trellis! Appealing interior boasts clean lines that promote a modern feel! Abundant natural light graces the open floor plan paired w/hardwood flooring, crown moulding, surround sound, & wide sliding glass doors to the back patio. Lovely kitchen provides recessed & pendant lighting, SS appliances, ample cabinetry, subway tile backsplash, a pantry, & a butcher block prep island w/a breakfast bar. Make the flexible den & loft a study or TV area. HUGE main retreat offers plush carpet & an ensuite comprised of two vanities, make-up desk, large shower w/a drying area, & a walk-in closet. Fabulous backyard comes w/a covered patio perfect for relaxing or throwing a barbecue and enough space for fun get-togethers. Don't miss it!

View Property

7833 E Obispo Avenue Mesa, AZ 85212

$629,999

4 Beds

2 Baths

2,532 SqFt

Status Active

MLS # 6775630

Property Type Single Family Residence

Price Type --

NEWLY RENOVATED ON A MASSIVE CORNER LOT! Home features 4 beds + a dedicated office space perfect for working from home and 2 full baths. A newly renovated kitchen with modern finishes! Oversized primary bedroom with completely remodeled bathroom! 12,000+ square foot lot with beautiful surrounding views and a sparkling pool! New interior and exterior paint! So many recent upgrades, come see it today because it won't last long!

View Property