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

1291 W Derringer Way Chandler, AZ 85286

Open House

$612,000

4 Beds

2.5 Baths

2,286 SqFt

Status Active

MLS # 6720936

Property Type Single Family Residence

Price Type --

Seller may consider buyer concessions if made in an offer. Welcome to this comfortable and serene home. Upon entry, you'll notice freshly painted interiors in neutral colors that create a spacious feel throughout. The kitchen features stainless steel appliances ideal for your culinary needs. The primary bedroom includes a large walk-in closet for all your clothes and an ensuite bathroom with double sinks, a separate tub, and shower for relaxation. Outside, a covered patio leads to a private in-ground pool, perfect for leisure. The fenced backyard offers privacy and peace of mind. Recent updates, like new flooring in parts of the home, add to its sophistication. Experience lifestyle and comfort in this unique property.

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10864 E Texas Avenue Mesa, AZ 85212

$611,924

4 Beds

3 Baths

2,358 SqFt

Status Active

MLS # 6761150

Property Type Single Family Residence

Price Type --

MLS#6761150 December Completion! Introducing the exquisite Paisley floor plan at La Mira Discovery, featuring 4 bedrooms, 3 bathrooms, a loft, and an attached 2-car garage. Step through the welcoming front porch and down the extended foyer to find a private bedroom and bath—ideal for guests or family. Beyond the staircase lies the expansive gathering room, a spacious kitchen with an island, and a connected dining area, perfect for everyday living and entertaining. Upstairs, you'll discover two additional bedrooms, a versatile loft, a convenient laundry room, and an impressive owner's suite. Structural options include: soft water loop, extended covered outdoor living, garden tub at primary, shower in lieu of tub at secondary bath, and paver front porch.

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28211 N 213th Drive Wittmann, AZ 85361

$610,000

4 Beds

2.5 Baths

2,142 SqFt

Status Active

MLS # 6680592

Property Type Single Family Residence

Price Type --

Beautiful New Home on 1-plus acre lot! Landscaping coming soon. NO HOA! 4 Car Garage with a drive through and dog wash station for dog lovers! EV Charger in garage for electric vehicles. 4 bedrooms and 2.5 baths. The Kitchen has a Large Center Island w/ Beautiful Quartz Countertops. Walk-in pantry - Stainless Steel Appliances! Freestanding Soaking Bathtub and Separate Shower - Walk in Closet - Separate Bedroom Exit to the Patio. Plenty of room for your toys and Horses. Easy Access to Grand AVE the 303 Surprise and Wickenburg amenities.

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1326 N Central Avenue Unit 411 Phoenix, AZ 85004

$610,000

2 Beds

2 Baths

1,655 SqFt

Status Active

MLS # 6758669

Property Type Apartment

Price Type --

Highly sought after 3-level loft, 2 bed/2 bath plus office/den in an award-winning building with the perks of urban living. Refined minimalist design with industrial touches throughout the unit. Must be seen to be fully appreciated. Take in amazing views of the North and West Valley through the expansive picturesque windows, and enjoy sunsets from the private rooftop deck with a spectacular downtown view. Located within walking distance to the light rail, Margaret T. Hance Park, and Central Library. Situated directly south of the Phoenix Art Museum and north of Downtown. Art, recreation, sports, music, and the incredible city dining scene just outside your doorstep!

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5060 S Las Mananitas Trail Gold Canyon, AZ 85118

$610,000

3 Beds

2 Baths

2,184 SqFt

Status Active

MLS # 6767301

Property Type Single Family Residence

Price Type --

Superstition foothills beauty combines amazing mountain views with a tastefully furnished home. The soaring ceilings and louvred shutters afford natural light as desired. The huge primary suite contains a sitting room, spacious vanity, walk in closet and glass shower + tub. Sophisticated, open kitchen hosts stainless appliances, newer large granite island and lovely cabinetry with pull outs all around. Yard includes a refreshing pool with built in table, water fall, pergola with seating. and a fire pit for chilly winter nights Natural habitat between neighbors and fencing enhances your privacy. A built in BBQ, fridge, wet sink & burner and citrus trees complete the back. A 3 car garage contains more storage cabinetry and a sealed floor.

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3940 S Velero Street Chandler, AZ 85286

$610,000

4 Beds

2 Baths

2,120 SqFt

Status Active

MLS # 6767814

Property Type Single Family Residence

Price Type --

Location, location, location! This spacious home has it all! Four bedrooms, 2 full bathrooms, formal living & dining rooms, family room, 3 car tandem garage and sparkling pool! This home has lots of natural light and an open, split bedroom floor plan. The kitchen has a kitchen island with breakfast bar and overlooks the family room with gas fireplace. The kitchen range is currently gas; however, it is wired for an electric stove. Inside laundry with cabinets is off kitchen area. The Primary bedroom has an en suite bathroom with separate shower & tub, dual sink vanity and large walk-in closet. The low maintenance backyard has a covered patio and play pool. Community offers lush, landscaped greenbelts, playground and is within a convenient Chandler neighborhood near Loop 202 and near major shopping and dining. This home is being sold by the original owners and is a must see!!!!

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15248 S 182nd Lane Goodyear, AZ 85338

New

$610,000

4 Beds

2.5 Baths

2,470 SqFt

Status Active

MLS # 6776986

Property Type Single Family Residence

Price Type --

Welcome to your dream home! This stunning 4-bedroom, 2.5-bath residence boasts a seamless open floor plan that perfectly blends modern elegance with everyday functionality. As you step inside, you'll be greeted by beautiful wood flooring that flows throughout the main living areas. The heart of the home is the expansive great room, featuring coffered ceilings and an entertainment center niche, ideal for movie nights or gatherings. The twelve-foot sliding glass doors invite natural light and offer breathtaking mountain views, while seamlessly connecting the indoor space to the outdoor oasis. The gourmet kitchen is a chef's delight, equipped with stainless steel appliances, spacious granite countertops, and a large kitchen island that serves as a perfect gathering spot. Adjacent to the kitchen, the dining area provides a warm atmosphere for family meals. You'll also appreciate the convenience of a walk-in pantry that leads directly to the two-car garage, making unloading groceries a breeze. An open office area allows for a productive workspace, perfect for remote work or study. Retreat to the master suite, filled with natural light from numerous windows, offering a tranquil escape. The master bath is a luxurious haven, featuring a drop tub, a separate walk-in shower, and a generous walk-in closet with direct access to the laundry room for added convenience. Step outside to your private backyard paradise, complete with a hot tub, fire pit, and built-in BBQ, ideal for entertaining under the stars. The two pergolas provide shaded areas for relaxation, while the easy-maintenance landscaping ensures you spend more time enjoying your space and less time on upkeep. This home perfectly balances style and comfort, creating an ideal sanctuary for both relaxation and entertaining. Don't miss the opportunity to make it yours!

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29662 N 69th Avenue Peoria, AZ 85383

$610,000

4 Beds

3 Baths

2,946 SqFt

Status Active Under Contract

MLS # 6732604

Property Type Single Family Residence

Price Type --

Welcome to 29662 N 69th Ave, a beautiful home in the heart of Peoria, AZ. This property offers 4 bedrooms, 3 bathrooms, and an open-concept floor plan. The kitchen features modern appliances, granite countertops, a large island, and ample storage. High ceilings, large windows, and tasteful finishes create a welcoming atmosphere. Outside, enjoy a private backyard with a covered patio, lush landscaping, and a pool, perfect for relaxing and entertaining year-round. The master suite includes a spacious walk-in closet and a well-appointed en-suite bathroom. There's also a custom-painted movie room, ideal for movie nights or entertaining guests. This upgraded home is a must-see with brand new carpet and fresh paint throughout. The 3-car tandem garage is perfect for a workshop or extra vehicle. The nights are quiet, with a pleasant breeze from the nearby mountains. Plus, this home has a full ADA bath on the first level. This home has sprayed foam insulation in the attic to help with insulation along with the other upgrades! This incredible remodel is included in the sale price, and if you act soon, you may be able to customize some finishes to your liking. Located in a rapidly growing area, this home won't last long. Come see it today!

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1509 E Cheery Lynn Road Phoenix, AZ 85014

$610,000

3 Beds

2 Baths

1,062 SqFt

Status Active Under Contract

MLS # 6758520

Property Type Single Family Residence

Price Type --

''This Historic 1937 Adobe Home is the epitome of the Vintage Phoenix Lifestyle, from walking the picturesque Palm Lined Street that is steeped in history, to unwinding in your Spacious Living Room with over 10'' Authentic Plaster Coved Vaulted Ceilings, a timeless Red Brick Fireplace w/mantel & Antique Wood Burning Stove. While staging entertainment from your Modern Kitchen you will be immersed in the best of the old and the convenience of the new!'' Mature Shade Trees and Landscaping surround you on your oversized front and rear yards, welcoming family & friends. Newest updates included...HVAC 2022, Relined Sewer Main line 2023, 4-Burner SS Gas Stove 2022, SS Microwave 2022! Don't wait on this rare opportunity to own a piece of history in Phoenix's renowned Cheery Lynn Historic District!

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6803 E Main Street Unit 3306 Scottsdale, AZ 85251

$610,000

2 Beds

2 Baths

1,322 SqFt

Status Active

MLS # 6635626

Property Type Apartment

Price Type --

Indulge in the epitome of urban luxury at The Mark in downtown Scottsdale's Arts District. Welcome to this exquisite 2-bedroom, 2-bath condo, where modern sophistication meets convenience. This residence redefines city living with upgraded appliances, additional cabinets in the kitchen and bedrooms, and a thoughtful layout that maximizes space and comfort. The south-facing patio invites you to savor breathtaking sunset views and mountain vistas—a perfect retreat after a bustling day. The Mark isn't just a home; it's a lifestyle. Enjoy the perks of secure underground parking, and the convenience of a concierge, and elevate your well-being in the newly renovated rooftop pool area (scheduled to open January 2024) and state-of-the-art workout facility. Need a space for meetings or work? The on-site conference room has you covered. Experience the seamless blend of contemporary design and upscale amenities in every corner. This is more than a condo; it's your sanctuary in the heart of the Arts District. Residents of The Mark have use privilege at the Valley Ho next door and get discounts on dining and spa services. What are you waiting for? Let's make this urban haven your new home!

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16005 W Shaw Butte Drive Surprise, AZ 85379

New

$610,000

4 Beds

3 Baths

2,977 SqFt

Status Active

MLS # 6778086

Property Type Single Family Residence

Price Type --

Stunning model home featuring 4 bedrooms, 3 bathrooms, a den/office, a loft, and a spacious 3-car garage. This energy-efficient residence boasts an open floor plan, a formal family room, and prewired surround sound. Enjoy an abundance of cabinets with crown molding, elegant quartz countertops, a gas cooktop, and top-of-the-line stainless steel appliances. The wood-like tile flooring runs throughout, complemented by plantation shutters. The master suite includes dual sinks, a walk-in closet, and a luxurious walk-in shower. Outside, you'll find beautifully manicured landscaping and an inviting exterior fireplace, perfect for relaxing Arizona evenings. Spacious backyard awaits, complete w/a covered patio and an exterior fireplace. Don't miss it!

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140 E Coronado Road Phoenix, AZ 85004

$610,000

3 Beds

3 Baths

2,650 SqFt

Status Active

MLS # 6752538

Property Type Apartment

Price Type --

RARE historic Villa del Coronado two units have been combined to bring you 2,650 bright & spacious livable square feet, 3 bedrooms & 3 bathrooms with 3 private view patios outside extensive walls of glass w/ pool & tree top views in this highly desired Central Phoenix location. The midcentury modern development was carefully designed and constructed by renowned real estate developer Lionel V. Mayell (known to be the pioneer of early midcentury garden living). It is positioned adjacent to the Phoenix Theatre & Art Museum. It is also minutes from the Heard Museum, Roosevelt Row Arts District, shopping, Light Rail, & in addition to iconic restaurants such as Durant's. Community features 2 large pools and expansive park-like grassy lawns where you can BBQ, relax, & enjoy beautiful sunny AZ afternoons. This home is inclusive of an inside laundry (accommodating full size washer/dryer), gas cooktop, 2 refrigerators, and 2 garage spaces w/ storage. The HOA covers all your utilities (gas, water, electric, sewer, trash, & exterior maintenance) & property taxes. The modern updated design is ready for move in - no work/remodeling needed. This is a step up from a regular cooperative, as each unit has its own Warranty Deed.

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