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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4020 N Scottsdale Road Unit 2010 Scottsdale, AZ 85251

$619,999

1 Bed

1 Bath

937 SqFt

Status Active

MLS # 6679065

Property Type Apartment

Price Type --

Boutique building right in the heart of Old Town Scottsdale. This contemporary loft style studio has stainless steel appliances, concrete countertops, floor to ceiling windows, tastefully updated bathroom and with views of Camelback mountain from the patio. The location of this 21 unit building offers endless options of fine dinning, shopping and recreational activities. Its not often units come for sale here at 4020 Lofts, so act now!

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5133 E Juana Court Cave Creek, AZ 85331

$619,999

3 Beds

2.5 Baths

1,944 SqFt

Status Active Under Contract

MLS # 6751611

Property Type Single Family Residence

Price Type --

Pride of ownership with this property. Home improvements are as follows: New Trane AC system & Nest Thermostat in 2022. New carpet and interior paint in 2022. New LVP in upstairs Living space and both baths in 2022. New dishwasher and disposal in 2023. New Samsung Washer & Dryer in 2023. All cabinets refinished in 2022. All commodes replaced in 2023. New garage door and opener in 2023. Private Cul-De-Sac location with real hardwood floors in Living room, Family room & Dining room. Tile in kitchen & entry. Stainless appliances. Spacious master suite with dual sinks & separate tub and shower. Large Loft. Water softener. Privacy in backyard. This home shows well.

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7102 W Windrose Drive Peoria, AZ 85381

$619,999

5 Beds

3 Baths

3,532 SqFt

Status Active

MLS # 6721103

Property Type Single Family Residence

Price Type --

PRICE REDUCED! Welcome to this modern 3532 sq ft home nestled on a large corner lot with an RV GATE offering 5 bedrooms & 3 full-sized bathrooms, including a secondary owner's suite in the basement. The main level features 3 bedrooms, including the master bedroom upstairs with spacious walk-in closets. REMODELED bathrooms and convenient laundry chute enhance the comfort, versatility, & functionality of the home. Natural light shines through plantation shutters, creating a bright atmosphere in every room. The basement adds 2 additional bedrooms, a WET BAR, & a full-sized bathroom to be used as a guest room or for entertaining extended family members. Outside, the backyard is a serene retreat with mature greenery providing privacy & a perfect backdrop for relaxation or outdoor activities!

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2825 N 42nd Street Unit 8 Phoenix, AZ 85008

$619,999

3 Beds

3.5 Baths

2,229 SqFt

Status Active

MLS # 6749989

Property Type Single Family Residence

Price Type --

Welcome to Edgemont 12! A perfectly located urban oasis for the on the go Phoenician! This delightful 3-level residence offers modern style, luxury, and convenience! You'll be delighted by the open floor plan on all levels. Featuring a soothing custom color palette, recessed lighting, blinds for privacy, and elegant wood-look flooring. The gourmet kitchen features granite counters, abundant white shaker cabinetry, contemporary track lighting, and sleek SS appliances. Upstairs, the main bedroom includes plush carpeting, an ensuite with dual sinks, and a walk-in closet. The third floor has a sizeable loft, perfect for an office, media room, or additional living space. Venture out onto the balcony to enjoy fresh air and serene views of Camelback Mountain. Park your vehicles and toys in the large two stall attached garage. The community features a pool for those hot summer days and a small dog park for your fury friends. Located within walking distance to some of the best dining in town and minutes to Sky Harbor airport, downtown Phoenix, hiking, biking, golfing and all the other amazing things Phoenix/Scottsdale has to offer. Don't miss this one!

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11613 S 218th Avenue Buckeye, AZ 85326

$619,999

4 Beds

3.5 Baths

2,313 SqFt

Status Active

MLS # 6741705

Property Type Single Family Residence

Price Type --

Single-story home with a 3-car garage and no HOA! This stunning 4-bedroom, 3.5-bath residence sits on a generous 1-acre lot—perfect for your RV or boat. The charming exterior boasts brick accents and breathtaking mountain views. Inside, the great room captivates with vaulted ceilings, a neutral color palette, recessed lighting, and wood-look flooring. The chef's kitchen shines with quartz countertops, ample cabinetry, tile backsplash, stainless steel appliances, pantry, and a peninsula with a breakfast bar. The main suite is a true retreat, featuring dual sinks, a soaking tub, raindrop shower, and a walk-in closet. The sprawling backyard offers limitless possibilities: build your dream oasis, equestrian facilities, or park all your toys. This home is ready for your vision!

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1212 E Indianola Avenue Phoenix, AZ 85014

Open House

$619,999

4 Beds

2 Baths

1,738 SqFt

Status Active

MLS # 6675839

Property Type Single Family Residence

Price Type --

Welcome to this well-built 1950s mid-century modern with a total 2023 remodel from top to bottom. Upgrades include a new roof, new electrical panel, dual pane windows, energy efficient HVAC, all new flooring, fully upgraded kitchen with huge island and quartz countertops, all new appliances, newly renovated bathrooms, paver patio, sidewalk and driveway, tankless water heater, irrigation system. On suite bathroom in the master bedroom with a walk-in closet, 3 additional large bedrooms, as well as a bonus room/home office. Step out into privacy in your fully fenced backyard with a beautiful patio to enjoy the Arizona sunshine! Located in the heart of Central Phoenix minutes from downtown, Arcadia/Biltmore and highway 51. This is truly the perfect location!

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4061 E Carriage Way Gilbert, AZ 85297

Open House

$619,999

4 Beds

2.5 Baths

2,902 SqFt

Status Active Under Contract

MLS # 6728060

Property Type Single Family Residence

Price Type --

Welcome to Power Ranch, one of the most desirable communities in Gilbert, Arizona! In the community of Power Ranch, you'll enjoy access to incredible community amenities, including 13 parks, walking trails, 2 fishing lakes, 2 pools, splash pads, playgrounds, tennis, softball, soccer fields, basketball & more! This location is ideal sitting in between Queen Creek Marketplace & The San Tan Mall. You're just minutes away from shopping, dining, & top-rated schools, making this the perfect place to call home. This exquisite 4 bedroom home, complete with an upstairs loft is full of natural light that accentuates the open floor plan & high ceilings. The home features two distinct living areas, providing plenty of room for everyone to relax & entertain. The kitchen has a gas stovetop, an island, upgraded countertops & matte black appliances. The spacious owner's suite is located downstairs & has views of the mountains out the window. The bathroom has a separate shower & soaking tub, double vanities, & a spacious walk in closet with a washer & dryer. Upstairs you'll discover 3 additional bedrooms, a full bathroom & a huge loft that has views of the golf course & mountains. Don't miss out on the opportunity to own an incredible house like this in Gilbert, Arizona. Welcome home!

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21711 E Roundup Way Queen Creek, AZ 85142

$619,995

3 Beds

2.5 Baths

2,510 SqFt

Status Active

MLS # 6702803

Property Type Single Family Residence

Price Type --

Welcome to Light Sky Ranch and the Dominic plan. This single level, 2510 square foot home boasts an open, inviting layout for entertaining. At the heart of the home is a spacious great room that flows into a sunny kitchen with a center island, dual walk-in pantries and an inviting breakfast nook, opening to the covered patio. A luxurious primary suite features an immense walk-in closet and attached bath with double sinks, and a luxurious separate tub and shower. With two additional bedrooms and a teen room, two and a half baths, and a dedicated study, the home offer plenty of space for privacy as well. Outside, a single-car garage and a 2-car garage offer ample storage for vehicles, outdoor gear, and more. With amenities such as a tankless water heater for efficiency and a charming paver driveway, this home seamlessly blends convenience with sophistication.

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21724 E Roundup Way Queen Creek, AZ 85142

Open House

$619,995

3 Beds

2.5 Baths

2,510 SqFt

Status Active

MLS # 6708033

Property Type Single Family Residence

Price Type --

Step into Light Sky Ranch and experience the allure of the Dominic plan. This single-level residence spans 2510 square feet and presents an inviting layout ideal for entertaining. The focal point of the home is its expansive great room, seamlessly connected to a sunlit kitchen featuring a central island, dual walk-in pantries, and a welcoming breakfast nook that extends to the covered patio. Retreat to the luxurious primary suite boasting a generous walk-in closet and an attached bath with double sinks and an elegant shower. With two additional bedrooms, a teen room, two and a half baths, and a dedicated study, this home offers ample space for privacy and relaxation. Outside, a single-car garage and a 2-car garage provide abundant storage for vehicles and outdoor equipment. Enhanced with amenities such as a tankless water heater for efficiency and a charming paver driveway, this residence effortlessly blends convenience with sophistication.

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21881 E Saddle Court Queen Creek, AZ 85142

$619,995

3 Beds

2.5 Baths

2,500 SqFt

Status Active

MLS # 6731553

Property Type Single Family Residence

Price Type --

The single-story Cassandra plan showcases an open layout with a great room with a multi-sliding glass door, a breakfast nook, a large gourmet kitchen and a 2-car garage. The primary suite is adjacent, and boasts a generous walk-in closet and an attached bath with a large walk-in shower. Two additional bedrooms flank a full bath, and the nearby study.

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21970 E Stirrup Court Queen Creek, AZ 85142

Open House

$619,995

3 Beds

2.5 Baths

2,500 SqFt

Status Active

MLS # 6709030

Property Type Single Family Residence

Price Type --

The single-story Cassandra plan showcases an open layout with a multi-sliding glass door in the great room, cozy breakfast nook, a large gourmet kitchen and a 2-car garage. The primary suite is adjacent, and boasts a generous walk-in closet and an attached bath with a large walk-in shower. Two additional bedrooms flank a full bath, and the nearby study.

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21816 E Saddle Court Queen Creek, AZ 85142

Open House

$619,995

3 Beds

2.5 Baths

2,500 SqFt

Status Active

MLS # 6708893

Property Type Single Family Residence

Price Type --

The single-story Cassandra plan showcases an open layout with a multi-sliding glass door in the great room, cozy breakfast nook, a large gourmet kitchen and a 2-car garage. The primary suite is adjacent, and boasts a generous walk-in closet and an attached bath with a large walk-in shower. Two additional bedrooms flank a full bath, and the nearby study.

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