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

77 E Atole Court San Tan Valley, AZ 85140

$620,000

2 Beds

2 Baths

1,884 SqFt

Status Active

MLS # 6770642

Property Type Single Family Residence

Price Type --

Welcome to your stunning and popular Refresh plan in the beautiful community of Encanterra! This home truly embodies an open feel perfect for entertaining! Every detail of the home is special with upgrades including a central vac, gourmet kitchen and custom window shades! The primary suite offers a private oasis, while your guests can enjoy their own privacy on the opposite side of the home. The 4ft extended 2-car garage will provide you with add'l space and built-in cabinets for plenty of storage. Outside you'll experience Arizona living with your own beautiful custom fire pit, built in BBQ, pergola with a color light remote system ideal for entertaining and relaxation. This incredible home is being offered furnished!

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18788 E Blue Sky Drive Rio Verde, AZ 85263

$620,000

2 Beds

2 Baths

1,380 SqFt

Status Active

MLS # 6769353

Property Type Single Family Residence

Price Type --

Great Lock & Leave - move in ready, with access to the luxury amenities of the prestigious Tonto Verde Community! As you step into the home, you are greeted by an abundance of natural light that floods through the open floor plan. The strategically designed layout accentuates the seamless flow between living spaces, providing an ideal setting for both relaxation & entertaining. The modern kitchen features quartz countertops that perfectly complement the cabinetry. Beautiful tile flooring graces the entire home, adding a touch of elegance & easy maintenance. The master suite boasts a spacious layout & an enormous shower. Yard is fully fenced w/privacy wall. Mountain Views! Easy access to walking path which lead to Tonto Verde Community.

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27448 W Yukon Drive Buckeye, AZ 85396

$620,000

2 Beds

2.5 Baths

2,580 SqFt

Status Active

MLS # 6771924

Property Type Single Family Residence

Price Type --

SOLAR-POWERED JOURNEY MODEL WITH OPEN SPACE BEHIND AND DRESSED TO THE NINES. This 2 Bed/2.5 Bath home is almost 2600 square feet with wood-look tile throughout. Guest bedroom is ensuite plus a Den offering privacy for visitors. Windows are covered with Plantation Shutters yet there's lots of light due to the 5 Solar Tubes. There's 2 in the Great Room, and 1 each in the Laundry, Primary closet and Primary Bath. Speaking of Solar, this home has a huge, owned, 35-panel system which has eliminated APS bills. The garage has storage galore with added cabinetry. Also in the garage the newer, updated and larger Tankless Water Heater. Behind the fenced rear yard is a wash offering privacy from the neighbors. See the pictures, 3D tour and documents tab for more on the many upgrades.

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18737 N Celosia Lane Surprise, AZ 85387

$620,000

3 Beds

2 Baths

2,312 SqFt

Status Active

MLS # 6773515

Property Type Single Family Residence

Price Type --

Wonderful Stonecrest with golf course views from the large patio, breathtaking fairway and distant mountain views. A patio fountain is a plus on the back patio. ***NEW ROOF SEPT 2024*** HVAC system recently updated. 2.5 extended garage, with room for golf cart and 2 cars. Gourmet kitchen, with wall oven and cooktop, surrounded by beautiful granite counters and cherry cabinets. Don't pass by this beautiful Cimarron home.

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4808 N 24th Street Unit 1125 Phoenix, AZ 85016

$620,000

2 Beds

2 Baths

1,361 SqFt

Status Active

MLS # 6773318

Property Type Apartment

Price Type --

VIEWS, VIEWS, VIEWS! Floor to ceiling dual pane windows boast expansive city light and mountain views. Come see this charming 11th floor condo w a spacious 2 bedroom 2 bathroom 1361sq/ft floor plan. All this in the luxurious Optima Biltmore. Condo has been tastefully remodeled with engineered hardwood floors, designer modern pantry w slider glass floor to ceiling doors, new paint, ceiling fans & lighting. . Optima's known for it's amenities including Gym, sauna, community room, concierge, rooftop zero edge pool,spa, BBQ, . Why drive when you can live in the heart of Biltmore & walk to dining galore, shopping, movies, spas & more!

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5839 W Charter Oak Road Glendale, AZ 85304

$620,000

4 Beds

2.5 Baths

3,054 SqFt

Status Active

MLS # 6778827

Property Type Single Family Residence

Price Type --

Welcome to this stunning home located in the desirable Mission Groves Subdivision. Nestled on a spacious lot, offering an inviting oasis completed with sparkling salt water POOL. Boasting 4 bedrooms and 2.5 bathrooms, this residence is designed for comfort and style. You'll have a nicely renovated interior with stainless steel appliances, granite countertops, laminate flooring, and fresh paint throughout to create a modern and inviting atmosphere providing the perfect space for entertaining family and friends. The spacious back yard allows for additional outdoor possibilities, whether it's gardening, outdoor gatherings, or simply enjoying the open space. The 3-car garage provides ample parking and storage.

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27552 W Tonopah Drive Buckeye, AZ 85396

$620,000

2 Beds

2.5 Baths

2,570 SqFt

Status Active

MLS # 6775517

Property Type Single Family Residence

Price Type --

Sun City Festival is one of the most desirable communities you'll find if you're looking to simply 'Get Away.' The amenities, golf and grounds are all immaculate! This Journey Plus model has the large footprint options adding more square footage inside and the needed extended garage for today's vehicles and toys. Don't forget the extra FULL 3rd car garage as well, which is also separate from the two car. Inside you'll love all the tile and just a sprinkle of carpeting in the 2nd bedroom. Every surface and imaginable upgrade is here. No neighbor behind you for tremendous privacy and views. By the way if you haven't met Mrs. Clean at least you'll see her house becasue this place is spotless from top to bottom and every corner in between.

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3402 E Carol Circle Phoenix, AZ 85028

$620,000

3 Beds

2 Baths

1,706 SqFt

Status Active

MLS # 6777768

Property Type Single Family Residence

Price Type --

Phoenix Home in Prime Location! This single-story home sits in one of Phoenix's most desirable neighborhoods - 3 beds, 2 baths, 1706 sq ft living area, 11,678 sq ft lot size, 2023 HVAC, 2022 interior paint, newer stainless steel kitchen appliances & shaker style cabinets. Open floor plan, travertine tiles & bright white interiors ready for your personal touch. Highlight of this property is the location & lot size. Love outdoor adventures or shopping? You'll be just minutes away from Phoenix Mountain Preserve, Dreamy Draw, shopping & dining. Plus, seller is offering $10,000 towards buyer's closing costs and/or as interest rate buy down with a full price offer. Don't miss this gem - come view it today!

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831 N Owl Drive Gilbert, AZ 85234

$620,000

5 Beds

3 Baths

2,166 SqFt

Status Active Under Contract

MLS # 6767759

Property Type Single Family Residence

Price Type --

Private cul-de-sac lot, the property boasts a huge yard perfect for entertaining. Relax by the recently upgraded pool (2022) and enjoy the large covered patio and grass. Spacious Tri-level home features 5 bedrooms and 3 baths. Master suite is located upstairs along with two other bedrooms, while two additional bedrooms and a game room in the basement, providing versatile space. 2x6 wood frame construction, Tile floors in the living spaces. New paint and New Carpet. The kitchen has painted cabinets and a double oven range . Primary bathroom is gorgeous with the tiled shower and beautiful vanity with double sinks The home's prime location offers the convenience of walking distance to the popular Highland High School. Large side yard with 2 storage sheds. Custom pool safety net.

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898 W Knox Street Pearce, AZ 85625

$620,000

4 Beds

4 Baths

3,245 SqFt

Status Active Under Contract

MLS # 6777962

Property Type Single Family Residence

Price Type --

Custom Built 3,245 sq ft Santa Fe home, with BRAND NEW $70,000, 815' Well with new electrical, equipment and water line to house, 40' x 60' fully insulated metal shop, complete with plywood walls & ceiling, solid concrete slab foundation, 220v power, 3/4 Bath, large utility sink, roll up door, 20'x60' lean-to, tack shed and horse corral. Home has fully equipped separate mother-in-law suite on East side of home AND 3 bedrooms 2 baths. 2 of the 3 bedrooms have private entrances onto the covered wrap around porch, AND a dedicated office with private entrance at front door that is equipped with High-Speed Fiber Optic Internet and custom-built Alder wood bookshelves. There is an attached 2 car garage, fully insulated, Electric door openers and tons of storage cabinetry. This home has Breathtaking mountain views and is nestled amidst the awe-inspiring foothills of the Cochise Stronghold - Coronado National Forest. Embrace all four seasons at an elevation of 4,560 feet, where milder summers make it ideal for escaping the Arizona heat. Beautiful Landscaping surrounds the property, creating a tranquil escape where you can soak in the beauty of the surrounding wilderness. Gaze at the panoramic views of the majestic Cochise Stronghold were once the refuge of the great Apache Chief, Cochise, and his people. The amazing wildlife viewing opportunities that this allows is endless.

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6168 S Fairway Place Gold Canyon, AZ 85118

$620,000

2 Beds

2 Baths

2,364 SqFt

Status Active

MLS # 6748933

Property Type Townhouse

Price Type --

This beautiful home in the prestigious Fairway Views gated community features 2 master bedroom suites, one upstairs and one downstairs. Both have walk in closets, showers and upstairs features a large soaking tub! Open concept great room with 22-foot ceilings, a den and a loft. There is a large balcony in front with panoramic mountain views of the Superstitions and a balcony in back overlooking the pool! The private pool has a heater for winter and there is a magnificent octagonal covered patio with mechanical sunshades and ceiling fans to enjoy year-round entertaining. Two new HVAC units installed in 2022 and pool pump and dishwasher replaced recently. There is a community pool, walking path and clubhouse and is next door to Gold Canyon Golf Resort! HOA includes water, garbage and exterior paint! Custom cabinets and doors throughout the home. The original owner was the builder for the subdivision so there are many upgrades and extras! Furniture can be purchased on a separate bill of sale.

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28340 N 132nd Avenue Peoria, AZ 85383

$620,000

5 Beds

3 Baths

3,308 SqFt

Status Active

MLS # 6774617

Property Type Single Family Residence

Price Type --

Presenting *The Jasmine*, a beautiful and nearly new home located in the prestigious Granite Hills Discovery Community of Vistancia. This home offers breathtaking mountain views & a floor plan perfect for modern living with a Honeywell Smart System. The main level features a guest bedroom & an office, while upstairs the owner's suite impresses with a luxurious bathroom including a Super Shower & a Gigantic walk-in closet. You'll also find 3 additional bedrooms, a generous loft, and a spacious laundry area. The heart of the home is the open-concept kitchen with gourmet GE Profile Smart Appliances & flows seamlessly into the great room, complemented by a formal living room. The backyard is a blank canvas, awaiting your vision to create the perfect desert oasis. Over 70k in Builder Upgrades.

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