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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6534 W Tether Trail Phoenix, AZ 85083

$615,000

5 Beds

3.5 Baths

2,511 SqFt

Status Active Under Contract

MLS # 6759325

Property Type Single Family Residence

Price Type --

REMODELED 5 BEDROOM WITH A POOL! - Beautiful 5 bed, 3.5 bath home in NW Phoenix. Close to Norterra and Lake Pleasant Towne Center. This home was extensively updated late 2022, entire new kitchen, floors, carpet, paint, and pool. The large primary suite is on the main floor along with an en-suite guest bedroom. Upstairs you will find a landing area with built in cabinets, 3 additional bedrooms, a full bath, and mountain views! The backyard is an oasis with a gas fire pit, updated diving pool with Baja shelf and built in BBQ. Tankless water heater installed in 2022 along with water softener. The home also has an OWNED solar system that will help with utility costs.

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21633 N Black Bear Lodge Drive Surprise, AZ 85387

$615,000

4 Beds

3 Baths

2,454 SqFt

Status Active

MLS # 6775196

Property Type Single Family Residence

Price Type --

CASITA + 3 CAR GARAGE + HOT TUB. VA ASSUMABLE AT 2.31%. This single owner 3 bed/2 bath (not including the Casita) home offers a perfect blend of space and comfort. Step inside and be greeted by the grandeur of the formal living/dining room, perfect for entertaining your guests. The kitchen features a spacious island, built-in microwave, gas cooktop, and stainless steel appliances. The plantation shutters throughout the house add a touch of elegance and privacy. The three-car garage provides plenty of space and additional storage with its convenient garage cabinets and also has a whole-home RO water system. Step outside to your private oasis, complete with built-in gas BBQ grill, gas fire pit, hot tub, and a patio perfect for enjoying the beautiful Arizona weather.

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10545 E Topaz Circle Scottsdale, AZ 85258

$615,000

3 Beds

2 Baths

1,988 SqFt

Status Active

MLS # 6776326

Property Type Single Family Residence

Price Type --

This adorable patio home in the 55+ community of Heritage Village IV is at the end of a cul-de-sac with excellent lock and leave potential and is light, bright and open!! Vaulted ceilings welcome you into the split floor plan with a primary suite on one side of the home and two additional bedrooms and a full bath on the other side. Enjoy breakfast in the cozy nook right off the kitchen or on the huge private patio off the family room adjacent to the kitchen! The living space is all on one level with no stairs. The garage space has tons of storage cabinetry and plenty of room for two vehicles. The HOA provides for ALL landscaping, even the front courtyard and inside the gate of the back patio. The community of Heritage Village IV offers two swimming pools, two tennis courts, an

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20340 N Canyon Whisper Drive Surprise, AZ 85387

$615,000

3 Beds

2.5 Baths

1,950 SqFt

Status Active

MLS # 6769126

Property Type Single Family Residence

Price Type --

One of the most coveted models in The Grand. Borgata offers a split bedroom floorplan. In addition this home has a detached casita with a 256 sq. ft. guest quarters. As you enter the paver extended patio courtyard, you will instantly feel the privacy ready for your enjoyment. As you enter the front you will feel the openness of the expanded Arizona room complete with gas fireplace. Granite counters in the kitchen.

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5857 S Feliz -- Mesa, AZ 85212

$615,000

5 Beds

3 Baths

2,371 SqFt

Status Active

MLS # 6729988

Property Type Single Family Residence

Price Type --

Welcome to your new home in the highly sought after Cadence at Gateway community! This 5 bed/3 bath home built in 2022 has it all. The great room boasts tall ceilings and natural light with low maintenance wood-look tile and a gorgeous kitchen featuring contemporary cabinets and quartz countertops complete with modern finishes. Upgraded floorplan includes a full bath and bedroom on the first floor. Relax in your backyard oasis complete with an above ground spa, turf, and custom pergola. The second floor has four bedrooms including a spacious primary bedroom with a generous walk-in closet. The Cadence at Gateway community has amenities including resort style pools, state-of-the-art fitness center, playgrounds, and more. Don't miss your opportunity to call this move-in ready home yours!

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3891 E Simpson Road Gilbert, AZ 85297

$615,000

4 Beds

2 Baths

2,309 SqFt

Status Active

MLS # 6730917

Property Type Single Family Residence

Price Type --

Welcome to your oasis at 3891 E. Simpson Rd, Gilbert, AZ. This modern home features a spacious backyard with a refreshing pool. Inside, an open floor plan is perfect for entertaining. The gourmet kitchen includes sleek countertops and stainless steel appliances. The living area is bright and inviting, with large windows. The luxurious primary suite has a private ensuite and walk-in closet. Additional bedrooms provide flexibility for guests, a home office, or hobbies. The backyard is a resort-style retreat with a pool, lush landscaping, and a covered patio. Recent upgrades include a new pool heater (2022) and HVAC system (2023). Located in a desirable neighborhood near parks, top-rated schools, Trilogy Golf Course, and dining. Seller is open to Seller Financing. Don't miss out!

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9365 E Poinsettia Drive Scottsdale, AZ 85260

$615,000

2 Beds

2 Baths

1,147 SqFt

Status Active

MLS # 6743848

Property Type Single Family Residence

Price Type --

Welcome home to this 2 Br, 2 Bath beauty!! This gem was completely remodeled in 2022 and has a newer AC and Roof! Enter the house and observe the lavish flooring as you are surrounded by white and gray porcelain tile, soft paint tones throughout and a Chef's kitchen with newer appliances to include an induction cooktop oven and hood. Quartz countertop, newer cabinets, and a built in microwave only highlight this entertainer's delight! This spacious abode boasts 2 highly upgraded baths and bedrooms that allow maximum comfort! From floor to ceiling, all of the right touches have been provided for the optimal living experience. Located in the Shea Corridor, it is in close proximity to freeways, limitless shopping, dining & outdoor activities. Priced to sell so dont miss your opportunity!

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20831 N 10th Street Phoenix, AZ 85024

$615,000

4 Beds

3 Baths

2,212 SqFt

Status Active

MLS # 6749459

Property Type Single Family Residence

Price Type --

Very recent closed sale in Arroyo Rojo similar sqft, no pool, or preserve view to the back sold for $649K. Nestled in a vibrant community this exceptional home boasts 4 bedrooms & 3 bathrooms, all while offering desert preserve views. The premium lot is an entertainer's dream, featuring a built-in fireplace, plumed for an outdoor kitchen, a pool with water feature, and ample space for hosting events. Inside, you'll be welcomed by an updated kitchen showcasing Quartz countertops, stainless steel appliances, and dark wood grain cabinets. The main floor also includes a full bathroom and a versatile office/den with French doors. Upstairs, you'll discover 3 beds/2 bath, PLUS a versatile closed loft area/flex space w/2 closets. Convenient upstairs laundry.

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3721 E Catalina Drive Phoenix, AZ 85018

$615,000

3 Beds

2.5 Baths

1,977 SqFt

Status Active

MLS # 6751178

Property Type Townhouse

Price Type --

This stunning 3-bedroom, 2.5-bath townhome, built in 2019, is located in the highly sought-after Arcadia neighborhood within a gated community. The home features a spacious 2-car garage and beautiful wood plank tile flooring throughout the first floor. The modern kitchen boasts elegant grey cabinets, quartz countertops, stainless steel appliances, and a convenient island with seating. Upstairs, you'll find a large loft, perfect for a home office or additional living space. The expansive master suite is filled with natural light and includes a luxurious master bath with a double vanity and a walk-in shower. Outside, enjoy the small private yard with pavers and low-maintenance artificial turf—ideal for relaxation. Additionally, this home comes equipped with a water softener and an alarm system, adding to your comfort and peace of mind.

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1415 E Princeton Avenue Gilbert, AZ 85234

$615,000

5 Beds

3 Baths

2,733 SqFt

Status Active

MLS # 6701061

Property Type Single Family Residence

Price Type --

Spacious home located near Gilbert's renowned downtown. Tons of dining and shopping just down the street. Bright living room featuring carpet flooring & on-trend palette throughout. The perfectly flowing great room provides backyard access & an inviting fireplace. Gorgeous, updated kitchen with built-in appliances, shaker cabinetry w/crown moulding, a stylish backsplash, granite counters & pantry. Double doors reveal the primary retreat, boasting large picture windows & an ensuite w/dual sinks, a separate shower/tub, & two walk-in closets. Newer AC! The charming backyard showcases a relaxing covered patio, a spa, & sparkling pool, offering the perfect setting for enjoying the warm Arizona weather.

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9510 W Menadota Drive Peoria, AZ 85382

$615,000

2 Beds

2 Baths

2,147 SqFt

Status Active

MLS # 6754942

Property Type Single Family Residence

Price Type --

REDUCED ANOTHER 15K! Bring offers! I'm beautiful inside! Pride of ownership! Amazing 2+2 updated home in the adult 45+ community of Westbrook Village. 2147 SF home with a huge low maintenance yard. The kitchen, bathrooms and flooring were all updated in 2016. Roof was replaced in 2022. Garage door opener 2023. Water heater 2021. New air conditioning 2018. Front patio tile in 2024. Low monthly HOA of 64.70 for loads of ammenities. 2 clubhouses and pools. Tennis and Pickleball. 2 restarants with bars. Golf course community. Some of the furniture and decorator items can be purchased on a seperate bill of sale. Close to all shopping and restaurants. This will not last long!

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6702 E Granada Road Scottsdale, AZ 85257

$615,000

3 Beds

2 Baths

1,619 SqFt

Status Active

MLS # 6757042

Property Type Single Family Residence

Price Type --

This historic mid-century Allied home is amazing! Beautiful white cabinetry w/fluted glass doors,dual basin apron-front farm sink, tiled counters/backsplash & breakfast bar. The formal family room features planks of modern wood-grain tile. The enlarged master suite has full bath w/travertine jetted shower/tub, maple vanity w/dual sinks, 2 closets (one large walk-in closet) & French doors to patio.The home also features 3 bedrooms 2 bathrooms, 1619 square feet of livable space and a 7931 square foot North-South oriented lot. The living room is located off the kitchen, which features a breakfast bar. Living has french door access to the rear covered patio and swimming pool. There is also access to the inside laundry room and carport, from the living room. The floorplan has been reconfigured

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