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

3884 E Dublin Street Gilbert, AZ 85295

$625,000

3 Beds

2.5 Baths

1,837 SqFt

Status Active

MLS # 6767467

Property Type Single Family Residence

Price Type --

EXCELLENT OPPORTUNITY to own a Shea home with north/south exposure and a popular split floor plan, excellent backyard living, and LOCATED close to EVERYTHING: access to Loop 202, The Epicenter at Agritopia, Verde at Cooley Station, popular dining, hangout spots, amenities, grocery stores, schools, and so much more. Immaculate 3 bedroom/2.5 bath WITH a DEN! Recker Pointe offers a community pool, bocce ball courts, basketball court, playgrounds, and walking paths. This home has tons of upgrades, fresh paint, interior gas cooktop, custom interior door to den, built-in backyard bar-b-que, all tile home with no carpet, huge primary walk-in closet, extended length shower, and desert landscaping. Prewired for surround sound. Ten minutes from Mesa-Gateway airport, ASU polytechnic, and EVIT

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19640 S 193rd Street Queen Creek, AZ 85142

$625,000

4 Beds

2.5 Baths

2,752 SqFt

Status Active Under Contract

MLS # 6737823

Property Type Single Family Residence

Price Type --

Beautiful home with 4 bedroom, 2.5 bath, 3 car garage, family room, living room, dining room, large kitchen, and MANY MORE! Almost ¼ acre Premium Lot backing to a Park. Extended length 70 ft driveway, plenty of room for a 5th wheel and truck to load and unload. RV Gate for added low profile storage. Great location close to shopping, restaurants and entertainment. Don't let this home pass you by!

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22743 E Avenida Del Valle -- Queen Creek, AZ 85142

Open House

$625,000

3 Beds

2.5 Baths

2,899 SqFt

Status Active

MLS # 6764641

Property Type Single Family Residence

Price Type --

You know when you walk into the perfect house and get that feeling that THIS IS THE ONE? Be ready to experience that! This home has all the bells and whistles buyers are looking for! AMAZING floor plan! HUGE great room w/ 15 ft sliding ''wall of glass'' & a kitchen to die for! Massive island w/upgraded granite, gas cooking! TONS of storage too! Split primary w/luxury primary bath! Epic laundry room too! Secondary bedrms are generous sized! Yards are low maintenance w/back having turf & tons of privacy! 3 car garage w/epoxy floor, security system, the list just goes on! Close to great shopping, restaurants and entertainment! And did I mention paid solar! Community pool, walk paths & great neighbors too!

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3040 N Saffron -- Mesa, AZ 85215

Open House

New

$625,000

4 Beds

2.5 Baths

2,365 SqFt

Status Active

MLS # 6776002

Property Type Single Family Residence

Price Type --

This beautiful 4-bedroom, 2.5-bathroom, 2-story home sits on a sprawling 11,239 sqft lot with no HOA! Offering 2,365 sqft of interior living space, the home features a cozy fireplace in the family room, high ceilings, and large dual-pane sunscreen windows for plenty of natural light. Plush carpet and tile flooring run throughout. The upstairs primary bedroom includes a full ensuite bathroom and walk-in closet. The kitchen showcases granite countertops, elegant cabinetry, a walk-in pantry, and a breakfast bar. The backyard is as beautiful as the interior, featuring a covered patio, balcony, and a low-maintenance yard with grass, gravel, and trees. Enjoy the private heated pool and spa! Additional exterior storage, RV parking, and a 2-car garage add to the home's appeal!

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3371 E Elgin Street Gilbert, AZ 85295

Open House

New

$625,000

4 Beds

3 Baths

2,278 SqFt

Status Active

MLS # 6773803

Property Type Single Family Residence

Price Type --

Beautifully remodeled home in an incredible Gilbert neighborhood rich with walking paths, parks and near shopping, dining, schools and the 202 freeway. Featuring elegant new plantation shutters and updated flooring and lighting throughout. The stunning kitchen is equipped with quartz countertops, stainless steel appliances, a walk-in pantry and plenty of cabinets for storage. Enjoy the extended driveway with an over height RV gate, and benefit from the 2-year old AC units. The property is designed for entertaining, boasting a seven-speaker sound system, a charming pergola, pavers, gorgeous pool and an outdoor gas kitchen. This layout is ideal, with a sizable upstairs loft and an added bedroom/bathroom on the main floor, great for multi-generational living!The master closet features custom cabinetry adding a touch of luxury. Master bathroom features a updated frameless shower door. Relax by the fire-pit and fireplace, both included with the home. Enjoy the privacy of a view fence backing to a wash, and don't miss the 2.5 car garage complete with an exit door and windows for added light. 7 minutes to San Tan Mall, shopping and entertainment.

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23116 N 70th Lane Glendale, AZ 85310

Open House

New

$625,000

4 Beds

2 Baths

1,962 SqFt

Status Active

MLS # 6777898

Property Type Single Family Residence

Price Type --

Incredible home in a desirable Patrick Ranch Community. Pride of ownership w/ meticulous front yard, stone elevation, 3 car garage, expanded driveway & 19 ft wide RV gate! HOA allows RV parking, very rare! Open floorplan w/ spacious living room & inviting family room w/ travertine flooring. Soaring vaulted ceiling! Gourmet kitchen w/ granite counters, abundant cabinetry, SS appliances, double ovens, huge island & bay window in dining area. NEW AC, WH & pool pump! Primary retreat w/ double door entry, custom barn door, plantation shutters & updated primary bath! 11,000sq ft lot! Backyard oasis w/ sparkling pool, large grass area, extended covered patio & outdoor grill island. Walking distance to A+ schools & hiking trails. Close to shopping, restaurants, golfing & the 101! Welcome Home!

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822 N John Way Chandler, AZ 85225

Open House

$625,000

4 Beds

2.5 Baths

2,288 SqFt

Status Active

MLS # 6757212

Property Type Single Family Residence

Price Type --

Don't miss this updated two-story home on an ideal corner lot in Chandler! This stunning 4-bedroom, 2.5-bath home is nestled in a park-filled neighborhood. As you enter, you'll be welcomed by a generous living room that flows into a separate family room and open-concept kitchen - great for gatherings & everyday life. Upstairs, the primary bedroom is a true retreat, featuring a beautifully remodeled bathroom w/ unique wood countertops. Additional bedrooms are generously sized, providing plenty of room for everyone. Enjoy the abundance of storage, w/ large closets, ample cabinetry, & a convenient walk-in pantry. Outside, the large corner lot boasts established trees and a fabulous pool, offering a perfect oasis with no neighbors behind. HVAC replaced in 2019, tankless water heater in 2021 Wall unit installed in garage for comfort when working along with double gates and extra concrete pad on the side yard to get things done! The community boasts a top rated Chandler Elementary School with equal distance to downtown Chandler eateries, SanTan Village shopping and the popular nightlife of downtown Gilbert.

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6930 S Nash Way Chandler, AZ 85249

Open House

$625,000

3 Beds

2 Baths

2,147 SqFt

Status Active

MLS # 6761006

Property Type Single Family Residence

Price Type --

Come take a look at this inviting 3 Bedroom PLUS den, 2 bath home nestled on a spacious lot! Recently updated with new floors, this residence features a welcoming great room and a practical split floor plan, complemented by a convenient 3 car garage. Situated within walking distance to Hull Elementary School, parks, and green belts, it offers both convenience and community charm. The large master bedroom boasts a separate shower, garden tub, and a roomy walk-in closet, ensuring ample space and comfort. Outdoor enthusiasts will delight in the expansive outdoor living area, complete with a sparkling pool, inviting fire pit and a convenient BBQ setup, perfect for entertaining friends and family year-round.

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10051 E Pampa Avenue Mesa, AZ 85212

Open House

$625,000

4 Beds

2 Baths

2,458 SqFt

Status Active

MLS # 6747970

Property Type Single Family Residence

Price Type --

Wow! 3 walk-in closets! Immaculate single-level 4-bedroom, 2-bath home with an open floor plan and split bedroom design. The spacious living areas feature vaulted ceilings and neutral colors, with new carpet in the family room for added comfort. The eat-in kitchen, complete with a breakfast bar, flows seamlessly into the living room, creating an inviting space for gatherings. Relax in your primary suite, complete with an updated ensuite bathroom and a large walk-in closet. The additional three bedrooms are generously sized, 2 with walk-in closets, providing ample space for family, guests, or a home office. Step outside to your backyard oasis, featuring a sparkling heated pool, a large covered patio area—perfect for entertaining and relaxation. Close freeway access and shopping!

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15550 N Frank Lloyd Wright Boulevard Unit 1009 Scottsdale, AZ 85260

Open House

$625,000

3 Beds

2.5 Baths

1,656 SqFt

Status Active

MLS # 6726509

Property Type Single Family Residence

Price Type --

One of the kind with tons of upgrades done just recently. Brand new flooring with water proof laminate, brand new kitchen with quartz countertops, LG appliances, newer AC unit only 3 years old, brand new windows in entire house just installed, one year old water heater, newer water softener and water osmosis, equipment. Not to mention prime Scottsdale location just east of Loop 101 on Frank Lloyd Blvd . Phoenix Open, Barret Jackson and TONS of shopping/dining at Kierland Commons/Scottsdale Quarter just down the street. Don't miss this opportunity this place offer to you.

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21771 E Roundup Way Queen Creek, AZ 85142

$624,995

3 Beds

2.5 Baths

2,390 SqFt

Status Active

MLS # 6702179

Property Type Single Family Residence

Price Type --

Welcome to Light Sky Ranch and the Pinecrest plan! This home is 2390 square feet of meticulously crafted living space. With three bedrooms, two and a half baths, and a dedicated study, every corner of this home is designed with purpose. The gourmet kitchen stands as the heart of the home, boasting quartz countertops, upgraded shaker cabinets, and a central island that doubles as a culinary hub and gathering place. The owner's suite is a serene haven, featuring dual closets, a lavish soaking tub, and the added convenience of a private door leading to the covered patio. Outside, both a single-car garage & a 2-car garage offer ample storage for vehicles, outdoor gear, and more, ensuring both convenience and practicality. With amenities like a tankless water heater for efficiency and a charming paver driveway, this home harmoniously blends convenience and sophistication.

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20254 W Hollyhock Street Buckeye, AZ 85396

$624,995

3 Beds

2.5 Baths

2,390 SqFt

Status Active

MLS # 6718219

Property Type Single Family Residence

Price Type --

Welcome Home to the Estates at Arroyo Seco, our newest Buckeye Community. This Deacon floorplan includes an attached RV garage, plus a tandem two car garage, a 220 V 50AMP, pre-plumb for utility sink, soft water loop, garage service door and an RV cleanout. Inside a well-appointed gourmet kitchen with 42'' upper white cabinets, brushed nickel cabinet pulls, quartz countertops, tile backsplash and GE Plus Stainless-steel appliances with a chimney hood and 36'' gas cooktop, also includes a walk-in pantry and is flanked by a great room and a dining room with center meet sliding doors leading out to a covered patio. You'll also appreciate the versatile flex-room, two secondary bedrooms with shared access to a full bath with dual vanities, and a primary suite with a private bathroom featuring a deluxe tiled shower with rain shower, dual vanities and ample walk-in closet space. A mudroom and walk-in laundry room round out the interior of the home. This home also includes two-tone paint, 9 x 35 tile flooring throughout and carpet in the bedrooms only. Ceiling fan prewires at all bedrooms, great room, flex room and covered patio; a gas stub at the patio; pre-plumb for a sink at the laundry room; pendant lighting at the kitchen island; exterior coach lights; paver driveway and walkway and front yard landscaping complete the home. This home is situated on an 8760 square foot South facing lot with a double side gate.

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