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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22698 E Saddle Way Queen Creek, AZ 85142

$620,000

4 Beds

3 Baths

2,373 SqFt

Status Active

MLS # 6762473

Property Type Single Family Residence

Price Type --

NO WAIT TO BUILD! This is your opportunity to move into the growing Madera Community and ASSUME 5.25% VA loan. This lovely JUNIPER plan built by Tri-Point has been lightly lived in for 18 months! Beautifully completed low maint back yard with artificial turf and established landscape. This ''like new'' home features 4 Bds, 3 baths, PLUS Flex rm, 10 ft ceilings,luxury vinyl plank flooring thru-out, custom window shade on patio door with remote open and close. The open concept kitchen highlights 42'' upper cabinets, stainless steel appliances, granite counters, breakfast bar with pendant lighting, 2'' faux wood blinds, Owner suite includes large walk-in closet with separate Tub/Shower. Exterior door to patio. Gorgeous amenites of the pool & park is a short walk away!

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37300 N Tom Darlington Drive Carefree, AZ 85377

$620,000

2 Beds

2 Baths

1,451 SqFt

Status Active Under Contract

MLS # 6704144

Property Type Single Family Residence

Price Type --

Charming One Level elevated Patio Home offers the Carefree lifestyle with incredible mountain views. Located within walking distance to the heart of Carefree, enjoy dining, shopping, farmers markets, and art festivals just a stone's throw away. With 2 bed/2 bath/2-car garage, this home is designed for both comfort & convenience. Its character shines through clerestory windows and vaulted ceilings, adding lots of natural light. The spacious living room with fireplace opens up to a large patio, perfect for soaking in the scenery of downtown Carefree, and the majestic mountains beyond. Thanks to the HOA, exterior maintenance, including roof, are taken care of along with garbage and water. New HVAC 2020. This easy lock & leave lifestyle, allows you to enjoy all that Carefree has to offer.

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1850 E Lynx Place Chandler, AZ 85249

$620,000

4 Beds

2 Baths

2,126 SqFt

Status Active Under Contract

MLS # 6749753

Property Type Single Family Residence

Price Type --

Welcome to this stunning, well kept 4bed, 2bath 3 car garage home nestled in the highly sought after Creekwood Ranch neighborhood! This beautiful one owner, single-story home features all the bells and whistles with an open floor plan, formal living and dining area that flows seamlessly into the kitchen and family room, providing a great space for everyday living and entertaining. Large rooms with walk-in closets and garage cabinets, work bench and sink. The backyard is an entertainer's dream with a sparkling diving pool, a charming gazebo for shaded relaxation, a built-in grill area and large covered patio perfect for outdoor entertaining! RV gate and large yard with lots of grass and space for all your toys. You're going to love this one, come check it out!

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114 W Smoketree Street Apache Junction, AZ 85120

$620,000

4 Beds

3 Baths

2,000 SqFt

Status Active

MLS # 6773540

Property Type Manufactured Home

Price Type --

**MOUNTAIN VIEW**HIGHLY UPGRADED HOME on a 1.25 LOT**Additionally, a 1.25 acre lot next door, MLS # 6773504, is also available** Step inside to a meticulously maintained home showcasing 9' ceilings, crown molding & gorgeous LVP floors. The mountian views from the spacious great room are breathtaking! The gourmet kitchen is equipped with generous counter space, recessed & pendant lighting, a tile backsplash, RAISED PANEL 42'' cabinets with uppers, spacious walk-in pantry, range hood, & stainless appliances. Your feet will love the comfort of the PLUSHLY CARPTETED owners' suite. Luxurious bath has WALK-IN SHOWER with seat, dual sinks, raised dual vanity & walk-in closet. There are 3 more bedrooms, 2 with en-suite baths. The generous laundry has a second refrigerator & ample storage.... ...You'll the private patio for dining & relaxing evenings. A front circular drive provides easy parking and there is room for RVs, boats & lots of toys! Location, views & a beautiful, highly appointed home - you can have it ALL!

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9938 E Timpani Lane Mesa, AZ 85212

$620,000

3 Beds

3 Baths

2,188 SqFt

Status Active

MLS # 6770763

Property Type Single Family Residence

Price Type --

Welcome Home. This home has it all. This beautiful kitchen with white shaker cabinets, granite counters, gas stove/cooktop, walk in pantry, split floor plan, 3 bedrooms plus den with 3 full bathrooms, super master bedrooms with dual vanity bathroom and massive walk-in closet, rich wood-look tile plan floors, 9 foot flat ceilings, eight foot tall doors, private outdoor lanai trimmed with travertine pavers forming a walkway to the covered back patio and extended travertine patio out to the always-perfect artificial turf lawn in back. Talk about location, this Cadence community offers a huge play pool, two waterslides, dedicated lap pool, movie room, community center and more. Hurry on over as this home will not last!

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7437 W Bloomfield Road Peoria, AZ 85381

$620,000

3 Beds

2 Baths

1,935 SqFt

Status Active

MLS # 6765758

Property Type Single Family Residence

Price Type --

Rare Opportunity to own a 17,942 sq foot lot size, No HOA,RV Parking,Separate additional 2 car garage(detached) with guest room and that is Move in Ready. Home boast nice tile flooring, updated kitchen with white quartz countertops, stainless Steel Appliances. and plenty of cabinet space with beautiful white plantation shutters. Ceiling fans in all bedrooms and living room. Great Sized backyard with pool that was recently resurfaced.There can be 6 Additional parking spaces in the backyard that can fit RVs and trailers. High concrete wall offers more privacy.Exterior of home has fresh new paint, newer water heater and master bathroom has been recently updated. Come view now before it's too late!

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1004 E Desert Hills Drive Phoenix, AZ 85086

$620,000

3 Beds

2 Baths

1,932 SqFt

Status Active

MLS # 6747246

Property Type Single Family Residence

Price Type --

Experience the Ultimate in Country Living! Escape to the serene beauty of Desert Hills with this charming 3-bedroom, 2-bathroom home, perfectly positioned on a generous 1.25-acre lot. Whether you're a horse enthusiast or just seeking wide-open spaces, this property offers endless possibilities. The expansive front yard is ready to accommodate your equestrian dreams, or it can be transformed into a custom detached garage or workshop. Step inside to find a welcoming interior that perfectly complements the natural surroundings. The 3 spacious bedrooms provide plenty of room for relaxation, while the 2 well-appointed bathrooms offer comfort and convenience for everyday living. The home itself boasts a modern, low-maintenance metal roof and a recently upgraded Trane AC, ensuring comfort and efficiency throughout the year. Outside, you'll find two matching storage sheds, ideal for all your tools and outdoor gear, as well as a spacious 3-car carport providing ample covered parking. With a 2-part shared well, you'll have reliable water access, while the wide-open spaces invite you to take in the natural beauty and stunning northeast views. This is truly a place where you can breathe easy and live the country lifestyle you've always dreamed of, all without the constraints of an HOA. This gem is a rare find in Desert Hills, offering both privacy and potential.

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1126 N Saint Elena Street Gilbert, AZ 85234

$620,000

5 Beds

2.5 Baths

2,872 SqFt

Status Active Under Contract

MLS # 6742964

Property Type Single Family Residence

Price Type --

Discover your dream home in the heart of Gilbert, AZ, one of the safest communities in the U.S. according to WalletHub, 2022. Perfectly situated on the bike-friendly Heritage Trail. This stunning 2 story home has a thoughtfully designed floor plan featuring a spacious Primary Suite on the first floor. Enjoy the elegance of vaulted ceilings and the warmth of solid wood floors throughout. The gourmet kitchen is a chef's delight, complete with granite countertops, stainless steel appliances, a breakfast bar, and an eat-in area, all seamlessly connected to the inviting family room with a cozy fireplace. With 5 spacious bedrooms, 2.5 baths, and a 3-car garage, this home caters to every need. Step outside to your private backyard oasis, where a sparkling pool with 4 water features, an elevated spa, and a built-in BBQ await, providing the perfect setting for relaxation and entertaining. Don't miss this opportunity to own a piece of paradise in one of Gilbert's most sought-after locations!

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1937 E Medlock Drive Phoenix, AZ 85016

$620,000

2 Beds

2 Baths

1,741 SqFt

Status Active

MLS # 6709677

Property Type Townhouse

Price Type --

Historic Biltmore area mid-century modern town home in highly sought-after community features 2-bedroom 2-bathroom home includes a formal dining room, living room with a wood burning fireplace, and an additional family room off the kitchen with study nook. Kitchen is equipped with granite countertops, white cabinetry and added counter space for a coffee bar. Primary bedroom features white shutters and bath includes double sinks & large bath/shower. Private back patio has low maintenance landscaping & brick pavers. Location, Location, location Don't miss the opportunity to own a Biltmore Area home just steps away from shopping , restaurants and so much more !

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3402 E Carol Circle Phoenix, AZ 85028

Open House

New

$620,000

3 Beds

2 Baths

1,706 SqFt

Status Active

MLS # 6777768

Property Type Single Family Residence

Price Type --

HOT OFF THE PRESS ... Prime Location Alert! This charming 3bed/2bath single-story home sits in one of Phoenix's most desirable neighborhoods. With spacious open floor plan, travertine tiles and bright white interiors ready for your personal touch. Recent updates include 2023 HVAC, 2022 interior paint, 2022 microwave and 2021 stove. Love outdoor adventures or shopping? You'll be just minutes away from Phoenix Mountain Preserve, Dreamy Draw, and shopping and 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!

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15418 W Big Sky Drive Surprise, AZ 85374

Open House

$620,000

2 Beds

2.5 Baths

2,318 SqFt

Status Active

MLS # 6760536

Property Type Single Family Residence

Price Type --

Welcome to the Adult Community of The Grand! Discover the Mission model home, displaying a desert front yard and a 2-car garage. The immaculate interior features a spacious living/dining room, pre-wired surround sound, plantation shutters, tile flooring, a media niche, and a cozy fireplace. The kitchen is fully equipped with a gas cooktop, a wall oven, recessed lighting, solid surface counters, rich wood cabinetry, an island with a breakfast bar, and a dining area with a bay window. Don't miss the sizable den with built-in cabinets & Murphy bed. and a desk! Primary retreat has plush carpeting, a pristine ensuite, a walk-in closet, and outdoor access. Enjoy delightful BBQs in the peaceful backyard, showcasing a covered patio, seating area, and built-in BBQ. This gem will impress!! Indoor gas fireplace Ceiling fans in all rooms Dimmable lighting switches, Tile throughout main house, berber carpet in bedrooms and office Cesarstone counters and cabinets with pull-out shelving throughout Gourmet kitchen with updated stainless-steel appliances Upgraded sink with a no-touch faucet Kitchen island with shelving Breakfast bar Extended dining area with bay windows Soft water system R/o system Washer and dryer with gas or electric option Lots of storage/pullouts in laundry rm along with cesarstone countertop Utility sink in the laundry room Two car garage with coated flooring Storage cabinets and work bench in garage Updated water heater Hot water recirculation system Updated trane air conditioning units (2019) Office/bedroom custom office desk with a murphy bed Extended master bedroom with bay windows Upgraded closet shelving in master Extended second bedroom with bay windows Custom closet shelving in second bedroom Plantation shutters throughout Custom front walkway with flagstone and lighting Back patio has two ceiling fans Built in custom natural gas bbq, patio lighting, and bench seating area with lighting accents, finished with flagstone Exterior of home painted in 2020 Front and back drip system with a timer Transferrable termite treatment (expires in 2027) Community golf courses, fitness center, and many other amenities

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3649 E Cody Avenue Gilbert, AZ 85234

Open House

$620,000

4 Beds

2 Baths

1,884 SqFt

Status Active

MLS # 6753565

Property Type Single Family Residence

Price Type --

Your beautifully REMODELED 4 bedroom home w/ a POOL in Carol Rae Ranch is now for sale! Inside you will find spacious dining & living areas, luxury vinyl flooring, graceful archways, and neutral palette throughout. The fabulous kitchen is comprised of ample cabinetry w/ample counter space, a pantry, stainless steel appliances, and an island complete w/a breakfast bar. Double doors open up to the primary bedroom, boasting a walk-in closet and a private ensuite w/dual sinks. This home also features a water softener! Finally, the lovely backyard includes a covered patio and a fenced pool perfect for the warm summer days! THIS IS HOME, make it your first stop!

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