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.

Click Here to See What Your Home is Worth

Listing types.

For Sale

For Rent

Land

Multifamily

Commercial

Location Search Nearby

BedsAny1+2+3+4+5+6+

BathsAny1+2+3+4+5+6+

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Property TypeAnyApartmentManufactured HomeSingle Family ResidenceTownhouseTwin Home

School District

Address, MLS# or Keyword

Home SizeAny600 ft2800 ft21,000 ft21,200 ft21,400 ft21,600 ft21,800 ft22,000 ft22,200 ft22,400 ft22,600 ft22,800 ft23,000 ft23,500 ft24,000 ft24,500 ft25,000 ft25,500 ft26,000 ft2

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Distressed

Open House

Location Search Nearby

BedsAny1+2+3+4+5+6+

BathsAny1+2+3+4+5+6+

Price MinAny$500$600$700$800$900$1,000$1,100$1,200$1,300$1,500$1,600$1,700$1,800$1,900$2,000$2,250$2,500$2,750$3,000$3,250$3,500$3,750$4,000$4,500$5,000$5,500$6,000$6,500$7,000$7,500$8,000$8,500$9,000$9,500$10,000

Price MaxAny$500$600$700$800$900$1,000$1,100$1,200$1,300$1,500$1,600$1,700$1,800$1,900$2,000$2,250$2,500$2,750$3,000$3,250$3,500$3,750$4,000$4,500$5,000$5,500$6,000$6,500$7,000$7,500$8,000$8,500$9,000$9,500$10,000

Advanced Options

Property TypeAnyApartmentManufactured HomeSingle Family ResidenceTownhouseTwin Home

School District

Address, MLS# or Keyword

Home SizeAny600 ft2800 ft21,000 ft21,200 ft21,400 ft21,600 ft21,800 ft22,000 ft22,200 ft22,400 ft22,600 ft22,800 ft23,000 ft23,500 ft24,000 ft24,500 ft25,000 ft25,500 ft26,000 ft2

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Location Search Nearby

Lot SizeAny1+ Acres2+ Acres3+ Acres4+ Acres5+ Acres6+ Acres7+ Acres8+ Acres9+ Acres10+ Acres20+ Acres30+ Acres40+ Acres50+ Acres

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Neighborhood

Address, MLS# or Keyword

Location Search Nearby

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

School District

Address, MLS# or Keyword

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Location Search Nearby

Lot SizeAny1+ Acres2+ Acres3+ Acres4+ Acres5+ Acres6+ Acres7+ Acres8+ Acres9+ Acres10+ Acres20+ Acres30+ Acres40+ Acres50+ Acres

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Address, MLS# or Keyword

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

View As: Thumbnails List

Sort by: Select Price, Low to High Price, High to Low Newer Listings First Older Listings First Open House Date

13629 W San Miguel Avenue Litchfield Park, AZ 85340

$610,000

4 Beds

2 Baths

2,408 SqFt

Status Active

MLS # 6771095

Property Type Single Family Residence

Price Type --

This stunning 4-bedroom, 2-bath home in Litchfield Park is packed with modern upgrades and features a dream backyard! The family room has custom accents and a Bose surround sound system, connecting seamlessly to the dining area and updated kitchen with granite countertops, stainless steel appliances, and new cabinet fronts. The bonus room at the front can be used as a den, study, or formal dining space. Main bathroom custom barn door, an oversized shower, dual sinks, and a walk-in closet. Outside, the backyard oasis is perfect for year-round entertaining, featuring lush landscaping, an great covered patio with pavers, and a custom natural gas fire pit ideal for cool evenings. The Pebble Tec pool, complete with a natural rock waterfall, to complete the serene atmosphere.

View Property

1419 California Drive Chino Valley, AZ 86323

$610,000

3 Beds

2 Baths

1,937 SqFt

Status Active

MLS # 6651628

Property Type Single Family Residence

Price Type --

This stunning single-level home in the Chino Valley is a hidden treasure, surpassing the allure of new constructions. Its flawless design and meticulous layout make it a true gem. Boasting 3 bedrooms, 2 baths, and a 2-car garage, this spacious abode offers everything you need. As you step inside, the open and airy ambiance, created by the high-volume ceilings, instantly embraces you, making you feel right at home. In summary, this single-level home surpasses expectations with its impeccable design, thoughtful layout, and luxurious features. It is a haven of comfort and elegance, offering a true sense of home. This remarkable home goes above and beyond with its thoughtful features and attention to detail. Each of the 3 bedrooms boasts its own spacious closet, ensuring ample storage

View Property

1023 E Fairmont Drive Tempe, AZ 85282

$610,000

4 Beds

2 Baths

1,761 SqFt

Status Active

MLS # 6673927

Property Type Single Family Residence

Price Type --

Near ASU and downtown Tempe this charming 4-bedroom, 2-bath home featuring a 2-car garage and RV gated/storage area that is covered with access from front and back. This residence boasts a perfectly flowing layout showcasing tile and wood vinyl flooring, soothing color palette and plantation shutters. The kitchen connects to the living and dining areas with oak cabinetry, a mosaic backsplash, stainless steel appliances, induction oven, modern track lighting and sleek quartz counters. A/C unit is 3 yrs old. French doors lead to a covered patio. Entertaining will be a breeze on the patio with rope lighting or near the fire pit. Home includes security doors and roller shields in rear. New sewer lines in past few yrs.

View Property

13382 W Blackstone Lane Peoria, AZ 85383

$610,000

2 Beds

2 Baths

1,752 SqFt

Status Active

MLS # 6754736

Property Type Single Family Residence

Price Type --

BEAUTIFULLY upgraded VIBRANT shows Pride of Ownership is move-in ready for you! This lovely home w/NEUTRAL palette thru-out features w/WIDE PLANK tile flooring, split tilt PLANTATION shutters, WALL OF GLASS in Great Rm opens to the PROFESSIONALLY designed R/yard with built-in BBQ, gas FIREPIT, ext. PAVER patio & ARTIFICIAL turf! Gorgeous kitchen features HIGH-END cabinetry, GOURMET GE appliances: w/5 burner COOKTOP, built-in OVEN & SS/MONOGRAM hood. GRANITE c-tops & TILE b-splash complete the space. Primary suite/bath features SOLID core barn door w/full LENGTH mirror, dbl. vanities, UPGRADED shower w/DESIGNER tile, HEAVY glass door & SPACIOUS walk-in closet! Guest bath w/CHEVRON tile pattern, heavy GLASS door & Granite c-top. Spacious Den w/built-in cabinets for add'l storage needs. Laundry room includes upper cabinets & laundry tub. Garage features a 4 foot extension and add'l storage area large enough for golf cart, hobby space or sports equipment. Versatrack hanging wall storage. Additional home upgrades: Professionally landscaped front/year yard including paver walkway, wrought iron fencing in rear yard w/snake fencing, raised garden bed, French drains, PVC irrigation w/poly at hubs to plants, Meyer Lemon & Key Lime fruit tree. 4 large pots on drippers w/wall mounted trellis at front entryway. Owned water softener, great room pre-wired for surround sound including rear patio. Under-cabinet lighting kitchen cabinets, recycle center, custom pullouts, soft close drawers, GE French door refrigerator, LG front loader washer/dryer convey with home. TRILOGY AT VISTANCIA is a resort style 55+ active adult community in NW Peoria. Trilogy has 2 beautiful clubhouses, 2 heated outdoor pools, 1 heated indoor lap pool, 2 fitness centers, fitness classes, tennis courts, pickleball courts and bocce ball courts. Beautifully designed Gary Panks 18 hole Championship Golf Course including V's Taproom. Trilogy offers numerous fitness classes, hosted lifestyle events/trip and numerous clubs ie: STEM Club, History Club, Women's Club, Veteran's Club, Wine Club, Pickleball & Car Club just to name a few! ENJOY THE GOOD LIFE at TRILOGY VISTANCIA!

View Property

44615 N 41st Lane New River, AZ 85087

$610,000

4 Beds

2.5 Baths

2,577 SqFt

Status Active

MLS # 6739749

Property Type Single Family Residence

Price Type --

Located in desirable Anthem Parkside Community, Circle Mountain Ranch, this 4 Bedroom / 2.5 Bathrooms with den/office is a must see! Kitchen displays stainless steel appliances with wall oven, gas stove, ''chef style'' cabinetry layout, reverse osmosis system, granite countertops, walk-in pantry, and a center island with a breakfast bar. Master bathroom features double raised sinks, barn door, separate toilet room and walk-in shower. Additional home features include sunscreens, security system, soft water loop, epoxy garage flooring, and RV gate. Backyard includes artificial turf, raised planter, basketball hoop, and firepit. Community center features pool, fitness center, & pickleball courts. City of Phoenix water & trash services plus a 1.5 year old AC unit! Come see this home today!

View Property

13665 W Evans Drive Surprise, AZ 85379

$610,000

5 Beds

3.5 Baths

3,540 SqFt

Status Active

MLS # 6703301

Property Type Single Family Residence

Price Type --

This beautiful property is well maintained, with large open living areas and high ceilings. It has a large new kitchen with lots of storage, new carpet throughout, newly painted, very large garage and much more! Four bedrooms are upstairs, including master bedroom with a balcony, and a family room. The fifth bedroom is downstairs with a full bathroom. This home is great for a growing family!

View Property

26511 N Thornhill Court Peoria, AZ 85383

$610,000

3 Beds

2.5 Baths

1,950 SqFt

Status Active

MLS # 6728282

Property Type Single Family Residence

Price Type --

This is a beautiful, professionally designed model home that you won't want to pass up! This is the Ashton Woods Oasis floorplan, with the lot situated in a cul-de-sac with great views. This home includes several upgrades to start with a pavered driveway and entry, epoxy coated garage floor, water softener, and a solar system! Moving inside you will find the upgraded lighting throughout, built-in speakers, modern accent trim walls, master walk-in shower with rain shower faucet, upgraded laundry room with cabinets, counter and sink, and a 4-panel sliding door, that provides abundant natural light, and invites you to the covered patio. The backyard is aesthetically landscaped with pavers, artificial turf, and tile beneath a pergola creating perfect space to enjoy the outdoors.

View Property

2217 E Wahalla Lane Phoenix, AZ 85024

$610,000

4 Beds

2 Baths

1,810 SqFt

Status Active

MLS # 6739615

Property Type Single Family Residence

Price Type --

**New Price Adjustment**Move-in ready! Beautiful 4-bedroom residence in Mountain Breeze is the one you've been waiting for. Fall in love with an enchanting interior adorned with gleaming wood floors, a fresh soothing palette, dazzling light fixtures, arched doorways, striking vaulted ceilings, & a delightful fireplace. The gorgeous kitchen is fully equipped with white shaker cabinets, a chic tile backsplash, sparkling new SS appliances, quartz counters, a pantry, & a convenient center island. Double doors open to the serene main retreat, comprised of a lavish ensuite with dual sinks, a superb soaking tub, & a walk-in closet. Enjoy hosting memorable get-togethers in the amazing backyard, offering an open patio & breathtaking mountain views! This gem won't disappoint!

View Property

912 W 11th Street Mesa, AZ 85201

$610,000

4 Beds

3 Baths

2,382 SqFt

Status Active

MLS # 6742745

Property Type Single Family Residence

Price Type --

Explore the possibility to convert Detached Garage (361sf) to ADU, Pool House or Casita! NO HOA. Updated 4 Bedroom(2 primary suites), 3 full bathroom with many high dollar updates located in highly sought after Established Mesa Neighborhood. Updates: roof (2016), HVAC 2020/2022, Flooring 2017, Drain line through out home 2023, New Primary Suite/Bathroom, Laundry & Huge Pantry addition in 2022, Windows 2017. Kitchen with double ovens, granite counters, island, induction cooktop, bay window dining nook, custom built-ins open to family room with library area and stepdown into extended family room. All bathrooms updated. Split floorplan. Fenced diving pool w/slide. near Mesa Country Club, Mesa Riverview shopping/dining, Riverview park & nestled directly between the Cubs/A's Spring Training.

View Property

4407 E Gold Poppy Way Phoenix, AZ 85044

$610,000

4 Beds

3 Baths

2,432 SqFt

Status Active

MLS # 6748634

Property Type Single Family Residence

Price Type --

Welcome to Mountain Ranch Estates, where this beautifully upgraded 2-story home offers the perfect blend of luxury and comfort. Featuring 4 spacious bedrooms and 3 full baths, this residence is designed for modern living. Enjoy the elegance of plantation shutters throughout, adding a touch of timeless sophistication. The gourmet kitchen and living areas have been recently updated, creating a fresh and contemporary atmosphere. The home boasts a 3-car garage, ideal for extra storage or a workshop. Step outside to your private oasis with a sparkling pool, perfect for Arizona summers. Situated in one of the few Ahwatukee neighborhoods with natural gas, this home is a rare find.

View Property

29277 N 70th Lane Peoria, AZ 85383

$610,000

4 Beds

3 Baths

2,172 SqFt

Status Active

MLS # 6754671

Property Type Single Family Residence

Price Type --

Welcome to this beautiful 4-bed, 3-bath home in the sought-after Sonoran Mountain Ranch! Great curb appeal with a split 3-car garage, stone accent details, & a manicured desert landscape. You'll love the desirable open layout paired with plantation shutters, abundant natural light, tall ceilings, designer paint, and tile flooring w/plush carpet in bedrooms. The gourmet kitchen features granite counters, staggered Cherry cabinetry, a pantry, recessed & pendant lighting, a prep island w/breakfast bar, and SS appliances w/cooktop gas. Enter the main bedroom to find an ensuite that boasts dual sinks, a large walk-in closet, & a shower w/dry-off area. The charming backyard is the best spot for relaxing or entertaining, offering a paver-covered patio & artificial turf! What a GEM!

View Property

3256 S Emery Circle Mesa, AZ 85212

$610,000

4 Beds

2 Baths

2,162 SqFt

Status Active

MLS # 6766013

Property Type Single Family Residence

Price Type --

Discover your private desert retreat! This elegant 4-bedroom, 2-bath home in Mesa offers a serene escape with a sparkling pool and pergola, ideal for both relaxation and entertaining. The bright, open floor plan boasts vaulted ceilings and natural light throughout. The chef's kitchen features granite countertops and a spacious island, while the luxurious owner's suite includes a custom double shower and soaking tub. Nestled in a peaceful neighborhood with no neighbors behind, you'll enjoy both privacy and convenience. Take advantage of nearby community amenities at Eastmark, known for its parks, paths, and vibrant social spaces. A 3-car garage and low-maintenance landscaping complete this beautifully maintained home.

View Property