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

478 N Jackson Street Gilbert, AZ 85233

$619,900

5 Beds

3 Baths

2,732 SqFt

Status Active

MLS # 6774181

Property Type Single Family Residence

Price Type --

Wow !!! What a wonderful chance of buying a great home on the Golf Course with a Gorgeous Swimming Pool. Exterior was Just Painted this year, Great Floor Plan with 4 Bedrooms Up & 1 Down with it's own Bath. Perfect for Guest. Priced to sell. This home will need some updating but the seller has spent over $ 60,000 to repair the house foundation which comes with a Life Time Warranty from Ram Jack of Arizona. Gorgeous Spindle Staircase. North/South Exposure.

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4131 E Cathedral Rock Drive Phoenix, AZ 85044

$619,900

4 Beds

2.5 Baths

2,450 SqFt

Status Active Under Contract

MLS # 6750221

Property Type Single Family Residence

Price Type --

Back on market after full-price cash buyer had to walk! Welcome to your dream home! This stunning 4-bed, 2.5-bath home boasts 2,450 square feet of beautifully updated living space. Situated on an oversized corner lot, the property offers both privacy and ample space for outdoor living. Inside, you'll find tasteful updates throughout, including new flooring, light fixtures and faucets (and interior/exterior paint from 2019). Major updates (roof, both AC units, water softener, extra attic insulation) have also been done in the last 5 years providing peace of mind. Enjoy the community's top-notch amenities with access to pools, parks, and tennis courts plus great schools and shopping nearby. This home is the perfect blend of comfort, style, and convenience you will love!

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9405 W Salter Drive Peoria, AZ 85382

$619,900

4 Beds

2 Baths

2,230 SqFt

Status Active Under Contract

MLS # 6763492

Property Type Single Family Residence

Price Type --

This exquisite 4 bedroom, 2 bathroom home with an office/den is nestled in a spacious cul de sac offering both privacy and tranquility. Spacious kitchen and living area make this home perfect for quiet family gatherings or large parties. Step outside to your own private paradise. Enjoy a sparkling pool complete with a beautiful water feature that creates a serene atmosphere. The expansive patio with pergola is ideal for sunbathing or hosting summer barbecues. Generous 3 car garage with built in cabinets and overhead storage gives you plenty of space for vehicles and hobbies. Located in a desirable neighborhood, this home is close to schools, parks, shopping and restaurants making it the perfect place to settle down. TWO BRAND NEW AC UNITS AS WELL.

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2310 W Kachina Trail Phoenix, AZ 85041

New

$619,900

3 Beds

2.5 Baths

2,406 SqFt

Status Active

MLS # 6769338

Property Type Single Family Residence

Price Type --

Beautiful Home in the popular Southern Highland gated community with spectacular mountain views. This home is move in ready with all appliances including fridge , washer & dryer and 1 newer AC unit. Featuring 3 Large Bedrooms, 2.5 Bathrooms, an Office or Den and a 3 car split garage. Spacious rear yard with artificial turf, newer pool built in 2018 with custom tile and stone finishes, additional cool decking, spa, fabulous water feature with remote app control. This home has large diagonal set tile in all the living areas, walkways and kitchen with very nice Hunter Douglas window shades throughout. Gourmet Kitchen is nicely done with Upgraded Cabinets, Lots of Granite Countertops, a Walk-in Pantry, Gas Stove, Stainless Steel Appliances, Water filter system + RO drinking water and a Large Island. The Kitchen is open to the Family Room so that you can be part of the entertainment. The Master Bedroom is large and split from the other bedrooms. In addition, there are dual Walk-in Closets, an On-Suite with Dual Sinks, a Separate Shower and Tub, and lots of Counter Space. All the other bedrooms are good sized with large closets. Venture outdoors steps away from South Mountain Park and Preserve and enjoy the great Arizona weather. This home does not have any neighbors across the back providing an open private space to enjoy.

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13333 W Chapala Court Sun City West, AZ 85375

New

$619,900

3 Beds

2 Baths

2,143 SqFt

Status Active

MLS # 6764055

Property Type Single Family Residence

Price Type --

Popular Encanto Model with foyer and large great room. Beautiful granite and stainless steel kitchen. 3'' wood shutters throughout. Extended den with closet and door. Oversized fully landscaped and irrigated lot. Corte Bella offers a relaxed, luxury feel including newly renovated restaurant, complete athletic facility including day spa and huge community pool. Come live the Corte Bella lifestyle!

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8014 E Plata -- Mesa, AZ 85212

$619,900

4 Beds

2 Baths

2,532 SqFt

Status Active

MLS # 6732961

Property Type Single Family Residence

Price Type --

Single story home on a corner lot that offers a split floor plan, with large open kitchen which features stunning soft glide cabinets, top of the line stainless appliances with built-in oven and microwave, large island, pendent lighting. The spacious master suite overlooks the backyard with a walk-­in closet that is truly larger than most bedrooms. RV Gate. Solar swimming pool panel owned. Located across the street from the park & walking trails & just minutes from the 60 & 202 fr-ways and San Tan Village.

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3019 E Marilyn Road Phoenix, AZ 85032

$619,900

3 Beds

2 Baths

1,832 SqFt

Status Active

MLS # 6733523

Property Type Single Family Residence

Price Type --

Nestled in the highly sought-after neighborhood of Cimarron Ridge, this wonderful entertainment home offers the perfect blend of comfort and luxury. Enjoy the serene ambiance of a quiet cul-de-sac, complemented by a spacious yard. The property features a stunning Pebble Tec pool and spa, ideal for relaxation and entertaining. Don't miss the opportunity to own this gem in a prime central location!

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23095 S 230th Street Queen Creek, AZ 85142

$619,900

4 Beds

3 Baths

2,799 SqFt

Status Active

MLS # 6741650

Property Type Single Family Residence

Price Type --

Perfect home to get into just before the holidays!! Such a welcoming home, that feels cozy from the moment you walk up to the front door. The updates are stunning! Upon entering, you will notice the beautiful entryway, 10 foot high ceilings, 8ft interior doors throughout, staggered tile throughout in all main walkway areas, and breathtaking huge kitchen. The GOURMET kitchen features a large island with double the cabinet space on both sides, 42in upper cabinets, QUARTZ counters, TILED backsplash, DUAL ovens, HUGE walk-in pantry, updated NEW chandelier over dining table, & stainless steel appliances. (MORE...) The split floor-plan is the perfect set-up with a GAME/BONUS room on one side as well! Master bedroom features 2 WALK-IN CLOSETS, a huge full bathroom with an elegant stand alone tub, & large shower. Recessed lighting in every room! The large laundry room is to die for and it includes a built-in sink and much cabinet space for storage. The huge garage is a 3 car-tandem with epoxy coated floors, and can fit all your toys and full size pick-up truck. R/O and Soft Water System is owned and included with the sale too! Both the front and back of home have added walkway pavers, including a new gazebo with pavers out back and synthetic grass. Back patio has pre-wired ethernet & coax cables with 2 outlets and TV mount for your backyard entertainment! Did I mention the very private backyard that backs up to your neighborhood greenbelt and only single level homes on sides? Other updates include all new interior carpets installed in 2021, new interior paint, new front and back exterior paint, rain gutters, and fiber optic internet available to box. This home does not dissapoint!!

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14627 W Larkspur Drive Surprise, AZ 85379

$619,900

3 Beds

2.5 Baths

2,506 SqFt

Status Active Under Contract

MLS # 6737365

Property Type Single Family Residence

Price Type --

MASSIVE PRICE REDUCTION. Let's make a deal! fully custom upgraded. 3 bedroom, 2.5 bathroom with attractive curb appeal and 3 car garage in desirable Marley Park! Discover an inviting interior with plenty of natural light, beautiful wood-look floors t/o, trending palette, modern fireplace, & upgraded lighting/ceiling fans. Prepare your favorite meals in the stunning chef's kitchen with ample white cabinets, quartz counters/backsplash, SS appliances, walk-in pantry, large waterfall island with breakfast bar, and a dining area with plantation shutters. Shows like a ''Model'' home! The spacious master bedroom boasts a private ensuite with quartz counters, dual sinks, custom walk-in shower with tile and marble and sizable walk-in closet. The Jack & Jill bathroom also has quartz counters. ...and custom tiled shower. All bathrooms have upgraded tile flooring, toilets and mirrors. Relax in the backyard with a covered paver patio and easy-care landscape with artificial turf. Conveniently located just a few minutes from shopping, dining, parks, and more!

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2734 W Montgomery Drive Chandler, AZ 85224

$619,900

4 Beds

2 Baths

2,009 SqFt

Status Active Under Contract

MLS # 6756991

Property Type Single Family Residence

Price Type --

Come and see this freshly remodeled stunning home in Chandler. This 4 bed 2 bath 2 Car Garage home is move in ready!! Located just off the 101 and Warner you are just minutes away from the Chandler Mall with all the shopping and great restaurants. Home is located in the A rated Chandler School District. As you pull up to this stunning gem you will notice the freshly painted exterior and low maintenance front yard. Though the front door your welcomed by brand new luxury vinyl plank flooring in the main living areas and plush patterned carpet in the bedrooms. The soaring ceilings continue around the corner off the front room and into your brand new stunning kitchen. This fully remodeled kitchen boasts new white shaker cabinets, white quartz countertops, brand new stainless steel appliances and upgraded lighting. Just off the kitchen is the massive pantry / laundry room with custom shelves, mud room bench, white cabinets and butcher block top. Split floor plan has the Master suite off of the front room and it is GORGEOUS. Vaulted ceilings, dual vanity sink, large walk in closet and brand new custom tiled shower. Brand new windows and window coverings throughout the home. New water heater. New ceiling fans, door hardware, light and plumbing fixtures give this home a modern feel. Out back there is plenty of room to entertain with a freshly laid rolled sod yard with paver border, new sprinkler system and a large gazebo with fire pit that conveys. Don't miss out on this gem. Come and see it today!!

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669 N Madison Street Wickenburg, AZ 85390

Open House

$619,900

3 Beds

2 Baths

2,530 SqFt

Status Active

MLS # 6765573

Property Type Single Family Residence

Price Type --

This beautiful home offers majestic views and a host of modern updates. Step inside to find fresh interior paint, laminate floors, and an open floor plan with split living areas. The formal living room and sunken family room provide spacious entertainment options. The kitchen boasts a butcher block island, new appliances, and a huge pantry for ample storage. Additional features include a two-car garage, carport, tri-zone air system, and newer windows throughout. The master suite is a wonderful retreat with a walk-in shower. Vaulted ceilings create a sense of openness, and the home is surrounded by charming courtyards. Perfect for and style, this home combines practicality and elegance.

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5100 E Rancho Paloma Drive Unit 2085 Cave Creek, AZ 85331

$619,500

2 Beds

2 Baths

2,074 SqFt

Status Active

MLS # 6739610

Property Type Townhouse

Price Type --

Luxurious almost new townhome in a gated community where you can kick back and relax in a stylish space. Furniture available on a separate bill of sale. All cabinets have handles installed. Ceiling fans in all rooms. Kitchen has reverse osmosis drinking water. Laundry has an added shelf. Walk in shower in primary. Fiber gigabit internet so working from home and online streaming is easy and enjoyable. Tesla universal EV charger wall mounted in garage. Great mountain views. Large balcony. Home is pet and smoke free. Community pool, spa, gym, barbecue and lots more. This community is about 5 minutes from Sprouts, Walmart and Frys stores. Cave Creek Recreational are is 10 minutes away and perfect for hiking, biking and horseback riding. Home has friendly neighbors.

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