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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3747 E Dover Street Mesa, AZ 85205

$625,000

4 Beds

2 Baths

2,344 SqFt

Status Active

MLS # 6775227

Property Type Single Family Residence

Price Type --

Welcome home to this beautiful 4-bedroom property! Located in the desirable Crosspoint neighborhood, near parks & restaurants, this fabulous house, will welcome you with w/a 2-car garage, grassy front yard, & a relaxing front patio. Inside, you'll find soaring vaulted ceilings, wood flooring, & comfortable great room w/an inviting fireplace. The living room is ideal for entertaining w/backyard access & bay windows in the dining area. The kitchen has shaker cabinets, granite counters, tile backsplash, & a peninsula w/breakfast bar. Tray ceilings, & an ensuite w/dual sinks, a fully tiled shower, a soaking tub, & a large walk-in closet are some of the features you will love about the primary suite. The backyard features grass and an in-ground trampoline. Seller offering $5,000 for flooring!

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2937 N 16th Drive Phoenix, AZ 85015

New

$625,000

3 Beds

2 Baths

1,500 SqFt

Status Active

MLS # 6777847

Property Type Single Family Residence

Price Type --

WOW!!! Welcome to this stunning move-in-ready home in the North Encanto Historic District, completely transformed from top to bottom. It features a newer roof, AC, brand new sub & main electrical panel, LVP flooring, updated electrical, plumbing, and modernized kitchen and baths. While upgraded, it retains charming historic features like a large brick fireplace and a vintage outdoor oven. The reconfigured floor plan includes a primary suite with an ensuite bath. Outside, the front yard has lush grass, and the backyard offers low-maintenance turf. The oversized two-car garage with built-in cabinets provides ample storage. Located on a quiet street, this home blends historic charm with modern living.

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7534 W Jones Avenue Phoenix, AZ 85043

New

$625,000

3 Beds

2.5 Baths

2,390 SqFt

Status Active

MLS # 6777957

Property Type Single Family Residence

Price Type --

Better than new home, two years old and highly upgraded including an extended RV garage(gives at least 4 parking spots)!!! Perfect for boats,cars, RV, weight room, workshop, golf simulator, Basketball court, whatever fits your lifestyle! Fabulous split, open floorplan that includes double door den, large great room and dining area. and a powder room and plank tile laid in the upgraded herringbone pattern throughout living area. Gourmet kitchen w/ large island and breakfast bar, SS appliances including gas cooktop, double wall ovens, granite countertops, backsplash and huge walk in pantry plus a ''butlers pantry area'' w/ desk and more storage!! Primary suite offers a luxurious, oversized, tiled walk in shower, separate water closet, walk in closet, double sinks. Guest Rooms share a bath w/ private shower area and double sinks! Beautifully landscaped backyard w/ firepit, artificial turf, covered patio and garden bed. Close access to the new 202 south, too

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10818 E Obispo Avenue Mesa, AZ 85212

New

$625,000

3 Beds

2.5 Baths

1,997 SqFt

Status Active

MLS # 6776503

Property Type Single Family Residence

Price Type --

A gorgeous, well maintained 3 bedroom plus a den, 2 1/2 bath home that is move-in ready! Delightful curb appeal with easy to maintain desert landscaping, a 2 car garage, and a huge front patio to enjoy the sunset. The kitchen has staggered cabinets with crown molding, granite countertops, matching appliances and a breakfast bar. The large living room and adjacent dining area is spacious for entertaining. The master includes a walk in closet, snail shower, double sinks and a separate toilet room. Private backyard with an oversized covered patio to enjoy the Arizona winter evenings! SSV offers endless amenities for you to enjoy year round. Three 9 hole golf courses. Easy access to valley freeways.

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7300 E Earll Drive Unit 1012 Scottsdale, AZ 85251

$625,000

2 Beds

2.5 Baths

1,625 SqFt

Status Active

MLS # 6769038

Property Type Apartment

Price Type --

Look no further! This beautiful 2-bedroom unit is ready for you to move in and enjoy! Check out the harmonious open floor plan, enhanced with hardwood flooring, large windows, and a perfectly matched neutral palette throughout. Spotless kitchen boasts plenty of white cabinetry, recessed lighting, subway tile backsplash, stainless steel appliances, a prep island with a breakfast bar, and sleek quartz counters. Rest and rejuvenation await in the romantic primary bedroom, complete with direct outdoor access, an ensuite with dual sinks, and a walk-in closet. Don't miss the stacked washer & dryer! Unwind under the covered patio while sipping your favorite beverage. PLUS! Wonderful community amenities include clubhouse, sparkling pool, spa, fitness center, and many more. Indulge in a luxurious lifestyle Scottsdale has to offer! Walking distance to a highly desired Old Town Scottsdale with fine dining and shopping. This unit is perfect for minimal maintenance and peace of mind! Furniture can be available for purchase for fully turn key ready. This condo was previously a model unit from builder, featuring the best upgrades offered. You'll feel as if you are on vacation everyday while living here!

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14679 N Love Court Fountain Hills, AZ 85268

$625,000

2 Beds

2 Baths

1,715 SqFt

Status Active

MLS # 6773245

Property Type Single Family Residence

Price Type --

Welcome to your desert retreat in the highly sought-after city of Fountain Hills! This delightful 2 bed/2 bath home offers the perfect blend of comfort and outdoor living. Nestled on a quiet cul-de-sac, this property features ample living space, play pool, and breathtaking mountain and desert views. As you step inside, you're greeted by an airy, open-concept living space with high ceilings and plenty of natural light. The kitchen is equipped with stainless steel appliances, lots of storage, and waterfall granite breakfast bar. The spacious primary suite offers direct access to the backyard. A second bedroom and full bath provide additional comfort and flexibility for guests or a home office. The true highlight of this home is the backyard oasis! Cool off in your private play pool, enjoy the covered patio, and take in the stunning sunset views that only Arizona living can offer. This home is conveniently located just minutes from shopping, dining, hiking trails, and the world-famous Fountain Park. Don't miss your chance to own a slice of paradise in Fountain Hills!

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5449 E Roanoke Avenue Phoenix, AZ 85008

$625,000

3 Beds

2 Baths

1,468 SqFt

Status Active

MLS # 6764788

Property Type Single Family Residence

Price Type --

Fabulous Mid-Century Modern home in Papago Seventy Six, a quiet neighborhood nestled in the foothills of Papago Buttes. This architectural gem includes a welcoming a front courtyard and wood beamed entryway that beckons further discovery. A large foyer with high ceilings greets you into this 3 bedroom, 2 bath (plus den) home. Natural light abounds with soaring vaulted ceilings in the large living room replete with wood-burning fireplace. The large kitchen opens to a dining room with exposed wood beams, clerestory windows, wet bar, stainless appliances, tile backsplash, and a truly expansive cabinet package with stone countertops. Dining room opens to a large den/family room, with French doors leading out to the sparkling swimming pool, set within a saltillo tile deck and mountain views

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2622 E Acoma Drive Phoenix, AZ 85032

$625,000

4 Beds

2 Baths

2,306 SqFt

Status Active

MLS # 6775073

Property Type Single Family Residence

Price Type --

VIEWS, VIEWS, VIEWS!! Spectacular location in a very peaceful and serene neighborhood. Walk across the street and enter the preserve for a nice hike. Enjoy this unique floorplan w/updated kitchen, personal bar with built-in keg dispenser, updated bathrooms w/oversized master shower. Extended exterior deck for a place to escape while taking in the breathtaking views!

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3367 Turkey Track Road Pinetop, AZ 85935

$625,000

3 Beds

2 Baths

1,565 SqFt

Status Active

MLS # 6776847

Property Type Single Family Residence

Price Type --

Located in Pinetop Lakes Mtn Homes, with Recreation Center privileges, this immaculate 3 bed/2 bath cabin has been beautifully maintained and shows pride of ownership at every turn. Soaring ponderosa pines and easy to maintain landscaping. The wood-burning fireplace with a Napoleon insert is surrounded by stacked stone and a rustic, gnarly mantle. The heated garage has built-in cabinets and a work bench. This cabin has been very loved over the years and continually updated, most recent improvements include all new Composite outdoor decks, new log railings, and remodeled master bath. Located in the heart of the White Mountains within minutes of 3 golf courses, multiple national forest trailheads for hiking/biking and many other summer and winter activities for the outdoor enthusiast to

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48039 N Kelley Road New River, AZ 85087

$625,000

4 Beds

2 Baths

1,954 SqFt

Status Active

MLS # 6776384

Property Type Single Family Residence

Price Type --

Welcome to this single-level home with breathtaking mountain views on a vast 5-acre lot! Enjoy carport parking and a large front porch, perfect for sipping morning coffee while soaking in the scenery. Inside, the spacious Arizona room is ideal for gatherings or relaxation. The open living and dining area is filled with natural light and cozy carpet. The kitchen offers storage shelves for easy organization. Each bedroom provides a peaceful retreat, with the primary bedroom featuring exposed ceiling beams, tile flooring, and a private bathroom. Plus, a fabulous casita awaits as a fantastic bonus! Massive backyard displays a covered patio, gazebo, and storage shed. Don't miss this gem!

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15424 N 63rd Street Scottsdale, AZ 85254

$625,000

4 Beds

2 Baths

1,763 SqFt

Status Active Under Contract

MLS # 6774575

Property Type Single Family Residence

Price Type --

INVESTORS DREAM! Just needs a little TLC and updating! Perfect Scottsdale Location with No HOA! This charming single story home features 4 bedrooms and 2 bathrooms on a spacious private lot. The primary bedroom has a spacious ensuite bathroom with double sinks and tons of closet space. The interior living space boasts vaulted ceilings, creating an open airy atmosphere. Large living room with a cozy wood-burning brick fireplace, this home provides ample space for indoor and outdoor living & entertainment. Enjoy your private shaded backyard with a covered patio - perfect for the beautiful Arizona evenings. NEW AC Unit (only 2 years), NEW Water Heater (only 1 year) & Newer Roof (only 5-10 years). Conveniently located just minutes away from Kierland and the Scottsdale Quarter with world-class retail shopping, fine dining & endless entertainment. Quick and easy access to the Loop 101 & SR-51 freeways. Perfect for any buyers looking to earn some sweat equity as well as fix-n-flip investors and long-term or short-term rental investors alike!

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2132 Quail Court Page, AZ 86040

$625,000

4 Beds

4 Baths

2,358 SqFt

Status Active

MLS # 6699099

Property Type Single Family Residence

Price Type --

Welcome to your dream home! This charming Santa Fe-style abode boasts 4 beds and 4 baths, perfect for your family's comfort. With a spacious two-story layout, every corner exudes warmth and character. Hard flooring throughout ensures easy maintenance, while granite countertops elevate the kitchen and bathrooms with timeless elegance. Embrace the Southwest vibes and make cherished memories in this inviting sanctuary.

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