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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3464 E Tulsa Street Gilbert, AZ 85295

$610,000

4 Beds

2.5 Baths

2,708 SqFt

Status Active

MLS # 6736007

Property Type Single Family Residence

Price Type --

DO NOT REACH OUT TO SELLER! EXECUTED LISTING AGREEMENT INTACT WILL REPORT TO AAR. Welcome Home! This stunning 3-bedroom residence features 2 versatile flex spaces that can serve as an office, additional bedroom, or game room, catering to all your needs. The open-concept layout enhances the sense of space and entertaining.The kitchen has been updated with gorgeous finishes, offering a elegant and functional cooking environment. Impressive Custom closets throughout the home provide ample storage. Enjoy the comfort of brand-new flooring that runs seamlessly through the first floor, adding a touch of elegance and easy maintenance. The upgrades include high and flooring and countertops to add a touch of luxury and sophistication. The flooring is both elegant and durable, which perfectly complement the premium countertops. Custom California closets provide not only asleep in modern look, but also exceptional organization and starch solution. Together these high-quality upgrades, enhance the homes, overall appeal and functionality that truly elevate your home.

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4131 N Lomond -- Mesa, AZ 85215

$610,000

4 Beds

2 Baths

2,350 SqFt

Status Active Under Contract

MLS # 6709414

Property Type Single Family Residence

Price Type --

Move-in ready with BRAND NEW HVAC and FRESH PAINT THROUGHOUT! This popular one-level home in Red Mountain Ranch offers a desirable floor plan and is located close to golf, tennis, and parks. The spacious backyard is a private oasis, perfect for relaxation or entertaining, featuring a cocktail pool, built-in propane grill, fire pit, and mature grapefruit, orange, and lemon trees. Electrical updates have been made throughout the home. Inside, the great room showcases a stunning floor-to-ceiling flagstone fireplace. The bedrooms are generously sized, with the primary bedroom offering a separate patio door, plenty of space for king-sized furniture, and a sitting area. The garage provides ample storage and includes an epoxy floor for easy maintenance. For the outdoor enthusiast easy access to ... (Salt River, Saguaro Lake, Lake Roosevelt) is very close by for you to enjoy hiking, biking, boating, fishing, and hunting.

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1132 E Newland Drive Chandler, AZ 85286

$610,000

3 Beds

3.5 Baths

2,239 SqFt

Status Active Under Contract

MLS # 6745723

Property Type Single Family Residence

Price Type --

This is the one you've been waiting for! One of the best floor plans in the Horizon community, located on a corner lot with guest parking just a few steps from your front door. Walk into this bright and open, highly upgraded home. Complete with 3 bedrooms, plus a loft space and 3.5 bathrooms. The luxury will speak for itself as you enjoy this stunning white kitchen, upgraded flooring package with large rooms and high ceilings! The Horizon community offers a stunning pool facility along with built in BBQ area, walking paths, playground and huge green space for those weekend football or soccer games! This gated community allows amazing access to the 202 loop and is close to shopping, dining and theater locations. We can't wait to have you come check it out.

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7810 S 220th Lane Buckeye, AZ 85326

$610,000

4 Beds

2 Baths

1,846 SqFt

Status Active Under Contract

MLS # 6747763

Property Type Single Family Residence

Price Type --

Irrigated Lot! Horse Property on Over One Acre! This stunning home features eye-catching curb appeal, complete with a circular driveway, vibrant lawn, a spacious 3-car garage, and an RV gate for added convenience. Inside, the inviting great room showcases high vaulted ceilings, a neutral color palette, plush carpeting in all the right places, and a cozy fireplace that sets the perfect ambiance. The well-appointed kitchen is a chef's delight, featuring ample cabinetry, generous counter space, a breakfast bar, and a pantry. The luxurious main bedroom includes a private ensuite with dual vanities and a walk-in closet. Step outside to the expansive backyard, which boasts a relaxing covered patio, RV parking, multiple seating areas, and a lush, green lawn.

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2427 E Marmora Street Phoenix, AZ 85032

$610,000

6 Beds

3 Baths

2,249 SqFt

Status Active

MLS # 6772891

Property Type Single Family Residence

Price Type --

Rare opportunity to own a remodeled 6 Bedroom, 3 Bathroom home, Mountain Views in North Phoenix. OWNED SOLAR!! Luxury Vinyl Plank flooring throughout, gorgeous high end kitchen, fireplace, remodeled bathrooms with the latest styles and you read it correctly, 6 Bedrooms! Excellent open concept main living room, spacious primary suite, and your bonus ''Arizona'' room has endless possibilities. Low maintenance backyard featuring turf and a great amount of patio space. 3 Brand new HVAC & Electrical Panel! Just a short walk to schools, mountain preserves, 51 freeway, and a few miles to the new reimagined PV in Phoenix.

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15210 S 44th Place Phoenix, AZ 85044

$610,000

4 Beds

3 Baths

2,315 SqFt

Status Active Under Contract

MLS # 6725779

Property Type Single Family Residence

Price Type --

Must see this gorgeous remodel with new white shaker cabinets, self closing with brushed nickel hardware. Stainless kitchen appliances with Granite counter tops. All downstairs floors done in wood look vinyl planks and upstairs is upgraded neutral carpet. One bedroom and full bath downstairs. Two upstairs bedrooms share a Jack and Jill bath. Huge owner's suite, Bath has step in shower plus tub and large walk in closet. Freshly painted, inside and out. Both AC units new in 2022, Gas water heater new in 2021. Front and back yards have artificial grass in 2024. Fenced play pool and spa. Nice well kept community with no HOA, close to freeways and shopping.

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4378 S Soboba Street Gilbert, AZ 85297

$610,000

5 Beds

3 Baths

2,312 SqFt

Status Active Under Contract

MLS # 6741015

Property Type Single Family Residence

Price Type --

Welcome to your next home in the Power Ranch community! This gem is not just move-in ready—it's upgraded everywhere. Nestled on a premium corner lot with oversized driveway featuring 5 spacious bedrooms and 3 full bathrooms, including a convenient bedroom and bathroom on the first floor. Step into your newly remodeled kitchen, where quartz counters, an island and new cabinetry are ready to inspire your inner chef. Complete with pull out drawers in the kitchen cabinets and an air fryer feature on the oven. But wait, there's more! The backyard is a personal oasis with a sparkling, 2-year-old saltwater pool that's perfect for cooling off and making a splash. Inside, you'll find the upstairs AC was refreshed in 2018 and the downstairs AC in 2019—so you'll stay cool no matter the weather. Extras like an extended driveway, garage cabinets, and brand-new lighting and fans add the finishing touches to this already fabulous home. Don't let this opportunity slip through your fingers. Come see it today and make it yours! Additional features include: ceiling fans with remotes, master bath jetted tub, kitchen cabinets have pull out drawers, whole house termite treatment, whole house scorpion treatment, wine fridge in the kitchen, upgraded baseboards downstairs, water filtration system under the kitchen sink, all kitchen appliances are 2 years old, shed and pool deck box, epoxy flooring in the garage, new toilets and new vanities in the bathrooms, kitchen oven includes an air fryer features and upstairs AC has a brand new motor.

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19618 N 19th Place Phoenix, AZ 85024

$610,000

4 Beds

2.5 Baths

2,005 SqFt

Status Active

MLS # 6717356

Property Type Single Family Residence

Price Type --

New Roof, recently updated AC, Beautiful family home in a tranquil community located on a premium oversized cul-de-sac lot that backs up to a mountain preserve. Property boasts views from the front and the back decks of the valley lights and night stars; 4 bedrooms all upstairs, fireplace downstairs. Beautiful granite countertops and wood cabinets; RV gate with large concrete pad for RV or boat storage or future pool; backyard is an oasis for relaxing, fire pits, desert plants and several fruit trees and private view of the mountain preserve. Close to shopping and 101 access.

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14214 N 38th Street Phoenix, AZ 85032

$610,000

4 Beds

2 Baths

1,808 SqFt

Status Active

MLS # 6769316

Property Type Single Family Residence

Price Type --

Fully Remodeled Gem in North Phoenix! This stunning home blends modern luxury with comfort, offering an open-concept layout, sleek finishes, and designer touches throughout. Every detail has been meticulously updated - from the brand-new kitchen with stainless steel appliances to the spa-like bathrooms with custom tile work. Fresh flooring, new windows, and upgraded lighting, this home is move-in ready and perfect for entertaining. Located in a desirable North Phoenix neighborhood, close to top schools, New Paradise Valley Mall minutes away, and outdoor recreation. Don't miss your chance to own this beautifully transformed home!

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304 W Roosevelt Street Unit 102 Phoenix, AZ 85003

$610,000

1 Bed

1.5 Baths

1,402 SqFt

Status Active

MLS # 6675710

Property Type Apartment

Price Type --

Welcome to this unique Downtown Phoenix loft, blending historic charm with modern urban living. Set in a restored 1924 building, this industrial-style space features 10-foot wood ceilings, exposed brick, steel trusses, and concrete/wood floors. The open floor plan is perfect for entertaining, with seamless indoor-outdoor flow to a private patio and balcony. A private cellar, gated garage, and covered parking add convenience. Located steps from top restaurants, galleries, and parks, with easy access to transit, this loft offers the perfect mix of vibrant city living and a private retreat.

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688 W Ebony Way Chandler, AZ 85248

$610,000

3 Beds

2 Baths

2,157 SqFt

Status Active Under Contract

MLS # 6716664

Property Type Single Family Residence

Price Type --

PRICE REDUCED!!! and sellers giving$5000 towards closing costs as well! LOCATION! LOCATION! **NEW GRANITE COUNTERS in the KITCHEN and BATHROOMS!! *** All the CABINETS have been freshly painted! This beautiful home has 3 bdrms/2 bths with DEN can convert to extra bdrm. A spacious 3-CAR garage. The floor plan features a cozy family room, formal dining area, and formal living room. 5 Blink cameras and an alarm system that coveys with the home. Other recent upgrades-NEW A/C, with all new duct system in 2021, a NEW GAS HOT WATER HEATER 2023, and fresh paint both inside and out, including inside the garage! The backyard is a beautifully landscaped oasis with a stunning pool, perfect for relaxation and entertaining. This move-in-ready home is just waiting for you to make it YOUR own!

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10181 E Petroglyph Place Gold Canyon, AZ 85118

$610,000

3 Beds

2 Baths

1,887 SqFt

Status Active Under Contract

MLS # 6675312

Property Type Single Family Residence

Price Type --

MOTIVATED SELLERS JUST REDUCED THE PRICE for this well maintained home. 3 bedroom, spacious main bedroom with upgraded ensuite . 2nd bedroom is oversized with an Enormous walk in closet. 3rd bedroom is great for guests or office space. Formal living/Dining/Family room floor plan. Beautiful tile flooring throughout,. The backyard has what dreams are made of. Complete with built in Chef style BBQ /BAR, Pool and Hot Tub,. There are views of the Superstition & Dinosaur mountains from the front and back on a culd a sac lot. Refrigerator, Washer /Dryer included.

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