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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15223 S 17th Drive Phoenix, AZ 85045

$600,000

3 Beds

2 Baths

2,008 SqFt

Status Active

MLS # 6774110

Property Type Single Family Residence

Price Type --

Welcome to Your Dream Home in Ahwatukee Foothills! Enjoy breathtaking views of South Mountain Preserve Park in this stunning residence, featuring brand new carpet and fresh paint as of November 2024. The bright, open floor plan connects the kitchen to the family room with a convenient breakfast bar for casual dining and entertaining. With generously sized bedrooms, the third bedroom doubles as a versatile office space. Vaulted ceilings in the formal living and dining areas create a spacious atmosphere. Recent updates include a new roof and HVAC system, ensuring peace of mind. Plus, benefit from direct access to hiking and biking trails! Located minutes from A+ rated Kyrene schools, Desert Vista High School, parks, and quick freeway access. Don't miss this great home!

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6312 W Villa Linda Drive Glendale, AZ 85310

Open House

$600,000

4 Beds

2.5 Baths

2,516 SqFt

Status Active

MLS # 6784492

Property Type Single Family Residence

Price Type --

Welcome home to this gorgeous move-in ready home with recent updates and breathtaking mountain views! This spacious 4 bedroom, 2.5 baths includes a convenient downstairs bedroom ideal for guests or multigenerational living. The master suite is a true retreat featuring an attached office or den with its own closet. A private balcony for enjoying the mountain views and ample space to unwind. An upstairs loft and open vaulted ceilings add to the home's airy feel, while north/south exposures offer scenic views from nearly every room. Enter your dream kitchen beautifully designed with white cabinets and quartz countertops. The island offers plenty of space for meal prep or family gatherings. There's a separate dining room as well as a breakfast nook to enjoy your morning coffee. Tile and LVP flooring throughout the downstairs area is ideal for kids and pets for easy cleaning. The extended garage provides plenty of storage space with custom cabinets perfect for your tools while offering space for parking your vehicles or recreational toys. Private cul-de-sac for you tranquility. Hiking trails and Life Time Fitness nearby for your active lifestyle. Don't miss this opportunity to make this your new home where comfort and style come together in a prime location!

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846 E Tyson Court Gilbert, AZ 85295

Open House

$600,000

3 Beds

2 Baths

1,910 SqFt

Status Active

MLS # 6717024

Property Type Single Family Residence

Price Type --

Seller may consider buyer concessions if made in an offer. Welcome to this lovely home, where you'll find comfort at every turn. As you enter, notice the new flooring and modern paint. The kitchen stands out with its sleek backsplash and stainless steel appliances. The primary bedroom features a large walk-in closet for all your storage needs. The primary bathroom boasts a luxurious double sink setup. Outside, enjoy the covered patio and fenced backyard for added security and privacy. A fresh paint job completes this beautiful home. Don't miss out on making it yours!

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1291 W Derringer Way Chandler, AZ 85286

Open House

$600,000

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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15002 S 46th Place Phoenix, AZ 85044

Open House

$600,000

4 Beds

2.5 Baths

2,095 SqFt

Status Active

MLS # 6749101

Property Type Single Family Residence

Price Type --

Seller may consider buyer concessions if made in an offer. Welcome to your dream home! This beautifully renovated property features neutral colors throughout for an elegant touch. The remodeled kitchen is a chef's delight with shaker cabinets, stainless steel appliances, a stylish backsplash and a center island. The primary bedroom includes a spacious walk-in closet. The primary bathroom offers a custom tile shower and double sinks for added conveniece. Enjoy the covered patio in the fenced backyard. Don't miss out on this beautiful home!

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5819 N 191st Drive Litchfield Park, AZ 85340

$599,999

5 Beds

3 Baths

2,929 SqFt

Status Active

MLS # 6773876

Property Type Single Family Residence

Price Type --

This spacious two-story home offers 2,929 sq/ft of comfortable living space and boasts neutral-colored walls, tile and carpet flooring in all the right places, and energy efficient dual-pane windows. The kitchen is well-equipped with granite counters, plenty of cabinet space, and stainless steel appliances. Upstairs is a versatile loft along with the owner's suite and additional bedrooms. Lastly, a 2-car garage and owned security system complete this beautiful, functional home!

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12030 N 36th Street Phoenix, AZ 85028

$599,999

3 Beds

3 Baths

2,339 SqFt

Status Active

MLS # 6756353

Property Type Single Family Residence

Price Type --

Discover the perfect blend of charm and modern living in this beautifully maintained 3 bed, 3 bath home with an inviting open floor plan. Step through the large arched entryway adorned with decorative stone, seamlessly connecting the living room, dining area, and a kitchen bathed in natural light. The spacious kitchen flows into the enclosed Arizona room, which features a cozy fireplace, white-washed stone wall, wood plank cedar ceiling, and a full bathroom with a sky tube and a walk-in closet. A wall of windows and a glass door bring the outdoors in, creating a bright and welcoming space. Experience the best of Arizona's indoor/outdoor living in both the front and back yards, complete with low-maintenance turf and mature trees. The backyard is perfect for entertaining with its gazebo and above-ground heated spa. Additional upgrades include updated electrical, plumbing, HVAC, and a new roof completed in February 2021. With a 2-car garage, RV gate, and two separate driveways providing ample parking, plus multiple storage sheds, this home offers all the convenience you need. Ideally located minutes from Phoenix and Scottsdale's top resorts, golf courses, hiking trails, dining, and shopping, with quick access to the 51 and 101 freeways this is Arizona living at its finest!

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4092 Prairie Schooner Road Wickenburg, AZ 85390

$599,999

2 Beds

2.5 Baths

1,782 SqFt

Status Active

MLS # 6759267

Property Type Single Family Residence

Price Type --

Pristine Valletta Duet that is ready for you to make home. Kitchen features SS appliances, upgraded backsplash and large center island for entertaining. Great Room has 12' sliding glass doors that lead you out to your stunning back yard looking out to the Bradshaw Mtns. Primary Suite w/dual sinks, tile shower and spacious walk-in closet. Ensuite Guest Room w/upgraded shower at the front of the house. Beautiful Barn Door closes off the den when needed. This home also features Central Vacuum, water softener, R/O and alarm system. This home has never been lived in and is waiting for you!!

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18226 W Desert Willow Drive Goodyear, AZ 85338

$599,999

3 Beds

2 Baths

2,672 SqFt

Status Active

MLS # 6763258

Property Type Single Family Residence

Price Type --

Discover the ultimate in outdoor living with this beautifully upgraded home in Estrella Mountain Ranch, where the seller's loss is your gain! With over $125K in upgrades, this is a fantastic deal for anyone seeking a vibrant, active lifestyle. Picture yourself relaxing by the brand-new, top-of-the-line pool or taking a short walk to the community pools, fitness centers, golf course, and trails. Perfect for those who value convenience and connection to nature, this home offers both luxury and an outdoor-focused lifestyle. Ask about an ADDITIONAL $7,000 home buyer credit available on this home via the Community Promise Program.

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1926 E Siesta Lane Phoenix, AZ 85024

$599,999

3 Beds

2.5 Baths

2,057 SqFt

Status Active

MLS # 6778919

Property Type Single Family Residence

Price Type --

MOUNTAIN VIEWS! Discover this captivating home, perfectly positioned facing the Greenbelt and backing onto Buffalo Ridge Preserve. Enter an open, inviting living space with soaring ceilings, ideal for seamless entertaining. With laminate flooring throughout, spacious bedrooms, and ample storage, this home offers both style and function. The cozy kitchen features stainless steel appliances, granite countertops, and a breakfast nook with a bay window. Upstairs, enjoy private views from the oversized balcony, making the loft an ideal office or game room. The primary suite boasts stunning mountain views and an ensuite. An oversized backyard with an extended covered patio completes this dream home—don't miss it!

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1530 W Saragosa Street Chandler, AZ 85224

$599,999

4 Beds

2 Baths

1,954 SqFt

Status Active Under Contract

MLS # 6774987

Property Type Single Family Residence

Price Type --

Welcome to this beautiful 4-bedroom, 2-bathroom home nestled in the heart of Chandler. Designed as a model home, it exudes style and comfort, offering a blend of elegant finishes and practical features. Step inside and be greeted by a spacious great room, perfect for both entertaining guests and spending cozy evenings with family. The chef's kitchen is a standout, equipped with custom designer cabinets and a gas stove. The real highlight of this property, is the backyard private retreat complete with a sparkling pool that's just right for enjoying Arizona's warm, sunny days. Whether you're cooling off during the summer or hosting a poolside gathering, this outdoor space is sure to impress. The home also includes a 3-car garage with new epoxy flooring, providing a sleek and durable space for vehicles and storage. Located in a prime spot, this property offers the best of Chandler living. It's just minutes away from vibrant shopping centers, a variety of dining options, and convenient access to freeway. Here, you'll find everything you need to live comfortably and entertain with ease.

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1177 E Chapman Drive Chandler, AZ 85286

$599,999

3 Beds

3.5 Baths

2,239 SqFt

Status Active Under Contract

MLS # 6775945

Property Type Single Family Residence

Price Type --

5 year old home in south Chandler with very nice flooring upgrade package. Not just a corner lot home, but also immediately across from the large community pool/spa and spacious greenbelt. Beautiful views of the park instead of garages. Large kitchen island with quartz countertops open to the living room, ample storage, under stair storage, and custom overhead hanging storage in garage. Garage has an additional 10 ft carrport overhang providing some shade for driveway. Upstairs is a large bonus room/loft and 3 spacious bedrooms each with their own bathroom. Home is a ''smart home''. Back patio area upgraded with pavers. Front yard is maintained by HOA. Community is located approx .35 miles to 202 Fwy.

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