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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10847 E Forge Circle Mesa, AZ 85208

$599,900

4 Beds

2.5 Baths

3,092 SqFt

Status Active

MLS # 6784548

Property Type Single Family Residence

Price Type --

Do not miss this one in a kind home!! It features 4 spacious bedrooms, 2.5 bathrooms with a large RV gate. The master bedroom is downstairs and has its own staircase leading upstairs to a private loft that overlooks the pool. The main staircase leads to upstairs to 3 oversized bedrooms, full bathroom and a massive loft. The main floor features an upgraded kitchen with granite, a backsplash, stainless appliances and a huge pantry with coffee station and extra storage. It is an open concept with a breakfast nook looking to the pool and a formal dining that can be used as office or another living space. The backyard is an oasis with beautiful pool, outdoor kitchen, fire pit and large ramada.

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907 E Rose Lane Phoenix, AZ 85014

$599,900

3 Beds

3 Baths

1,553 SqFt

Status Active

MLS # 6784429

Property Type Single Family Residence

Price Type --

Welcome to this charming, custom-remodeled home, in the heart of North Central. Completely transformed in 2016, this residence has impeccable upgrades, making it move-in ready. Step inside to beautiful flooring throughout, featuring a mix of carpet and wood tile. The home is bathed in natural light, thanks to the dual-paned windows. The heart of the home, the kitchen, is a chef's dream with stainless steel appliances, granite countertops, new lighting, and custom Shaker-style cabinets. It opens to a spacious family room, complete with a cozy fireplace and dual doors leading to the expansive backyard. The primary suite features a large walk-in closet, a recently updated three-quarter bath, and an additional secondary closet for extra storage. The large backyard is perfect for entertaining, with plenty of grassy space, a fire pit, and a 10x8 standalone storage unit. Parking is a breeze with a two-car carport and additional slab parking for up to four cars. Located with easy access to top Valley schools, popular restaurants, and shopping, this home offers the perfect balance of convenience and charm. Don't miss your chance to live in a neighborhood that everyone loves to call home.

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24686 N 175th Avenue Surprise, AZ 85387

$599,900

3 Beds

3 Baths

2,192 SqFt

Status Active

MLS # 6785461

Property Type Single Family Residence

Price Type --

Welcome to this 2022 platinum upgrade package (36k) Lennar built home situated on private lot due to drainage easement. You choose this home over a current Lennar build to capitalize on 150k of updates for almost the exact same cost as current models with-out. Professionally transformed basic ''builder grade'' lot into a magazine worthy masterpiece boasting a custom pool with sunbathing shelf, stunning travertine tile, waterfall feature, premium added lighting in both pool & landscaping, raised gas fire pit with pergola, outdoor kitchen/bar with built-in grill (never used), motorized sun shades, ceiling fan and built-in outdoor speakers & tv! (128k) Interior updates: 7 ceiling fans, pendant & cabinet lighting, epoxied garage floor, added built-ins, water softener and whole home audio 12k

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1018 W Park Avenue Gilbert, AZ 85233

$599,900

4 Beds

3 Baths

2,118 SqFt

Status Active

MLS # 6786887

Property Type Single Family Residence

Price Type --

Welcome to your dream home in the heart of Gilbert's most sought-after community! This stunning, competitively priced 4-bedroom, 3-bathroom home offers peace of mind with a new AC, roof, and water heater, plus an owned water softener system. Perfectly situated on the largest corner lot in the neighborhood, the backyard is a paradise designed for making memories. Imagine summer days by the sparkling pool, evenings hosting friends under the stars, and plenty of space for kids and pets to play. The RV gate provides ample room for your toys and extra storage. Inside, you'll find spacious living areas and a thoughtful layout, ideal for raising your family and entertaining guests. Move in and start creating a lifetime of memories!

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1910 E Rainbow Trail Payson, AZ 85541

$599,900

3 Beds

2 Baths

1,772 SqFt

Status Active Under Contract

MLS # 6692516

Property Type Single Family Residence

Price Type --

BRAND NEW - TO BE BUILT Dream Home on the Rim in Payson - surrounded by gorgeous custom homes and less than 7 min from Renowned Golf Club at Chaparral Pines & The Rim Club, less than a mile from Safeway grocery store and convenient shopping, dining, gas & bank. Buyers able to select Cabinet Color, Granite Color, Interior & Exterior Paint and Flooring. Not much around here under $600K so hurry - home can be completed in less than 6 mos- just in time to enjoy for the summer! Photo reflects same floorplan and elevation as what will be built. Additional Photos of this home will be posted as it progresses. Buyer to verify all facts & figures.

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4209 E Bonanza Road Gilbert, AZ 85297

$599,900

4 Beds

3 Baths

2,502 SqFt

Status Active Under Contract

MLS # 6753531

Property Type Single Family Residence

Price Type --

This beautiful home in Power Ranch has been meticulously maintained by the original owners and offers 4 bedrooms & 3 full baths in 2502 SqFt. Living areas include formal living/dining and separate family room on the main level and a large upstairs loft. The recently updated eat-in kitchen features maple cabinetry with under-cabinet lighting and crown molding, granite countertops, modern subway tile backsplash, stainless appliances, pantry, and island with breakfast bar. The backyard has an extended covered patio with ceiling fan and easy-care artificial turf for kids and pets to play on. One bedroom and bath are on the main level, perfect for guests! The primary is upstairs and has double door entry, and an en-suite bath with dual sink vanity, separate tub & shower, and walk-in closet. The laundry room is conveniently located upstairs. Other features include an oversized 2 car garage and leased solar panels to provide utility savings! Power Ranch is a resort-style community with a variety of amenities including a clubhouse, two swimming pools, and spa, sport courts (including tennis, pickleball, and bocce), fitness center, and much more!

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15975 W Laurel Lane Surprise, AZ 85379

$599,900

3 Beds

2 Baths

2,567 SqFt

Status Active Under Contract

MLS # 6770459

Property Type Single Family Residence

Price Type --

SPARKLING POOL (backyard OASIS), HIGHLY UPGRADED Shea Homes built, 10' ceilings, Single Level, 3 beds PLUS double door ENCLOSED FLEX ROOM, w/RV gate in Greer Ranch North! Fall in love w/the HUGE & bright open floor plan enhanced by surround sound, tons of recessed lighting, 3 panel sliding glass door, wood-look tile flooring in all the key areas. Gourmet kitchen w/abundant white cabinetry, granite counters, prep island w/breakfast bar, tile backsplash, & SS appliances; wall oven & cooktop gas. Serene main retreat; ensuite w/dual sinks, JUMBO tiled walk-in shower w/TWO shower heads (rain) w/drying area, & walk-in closet. Tranquil backyard invites endless outdoor activities & relaxation, boasting covered patio, gazebo, fire pit & refreshing pool w/water feature. Snatch this GEM!!!

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217 E 14th Street Tempe, AZ 85281

$599,900

4 Beds

2 Baths

1,276 SqFt

Status Active Under Contract

MLS # 6782682

Property Type Single Family Residence

Price Type --

Introducing a rare gem in the heart of Tempe's iconic University Park neighborhood! This charming 1945-built home is nestled on a picturesque, tree-lined street, just steps away from ASU, making it one of the most desirable locations in all of Tempe. With 4 bedrooms and 2 bathrooms, this property offers ample space and character, ideal for an investor seeking a prime opportunity or a homeowner ready to create their dream residence. Set on an expansive lot, the home provides plenty of room for outdoor enjoyment or future enhancements. Full of historical charm and potential, this property is a perfect blank slate, ready for its next chapter. Don't miss your chance to own a piece of Tempe history in an unparalleled location!

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2190 N Iowa Street Chandler, AZ 85225

$599,900

3 Beds

2.5 Baths

2,068 SqFt

Status Active

MLS # 6775542

Property Type Single Family Residence

Price Type --

Brand New Home Alert! Welcome to Arbor Square, where luxury and convenience meet in the heart of Downtown Chandler. Nestled within walking distance to the vibrant Downtown Chandler Entertainment District, our community provides the perfect balance of urban living and peaceful escape. Each home at Arbor Square boasts top-of-the-line amenities, designed with your comfort and convenience in mind. From elegant quartz countertops to luxury vinyl plank flooring, every detail has been carefully selected to provide you with a high-end yet modern living experience. Our homes also feature pre-wiring for EV chargers, making it easy for you to stay connected and eco-friendly. Our community is designed to give you all the perks of luxurious living without the hassle of upkeep. Experience the best of urban living in a peaceful and modern setting at Arbor Square. Come find your perfect home today! *HOA Fees are an estimate today, the builder has a conditional public report. Photos are of the builder's model of a similar floor plan, actual home is under construction. Contact listing the agent for additional incentives. Agents Must accompany their clients upon their first visit.

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13600 N Fountain Hills Boulevard Unit 504 Fountain Hills, AZ 85268

$599,900

3 Beds

2.5 Baths

2,231 SqFt

Status Active

MLS # 6765358

Property Type Townhouse

Price Type --

Motivated seller! 2013 re-model opened the kitchen to the living area making this a wonderful one-of-a-kind townhome. Main floor master. Great room floorplan superb for entertaining! Re-model included new kit cabinets, built-in buffet, stainless steel appliances, granite counters & island that seats 6! New refrig & interior paint 2024. Walk-in pantry in foyer closet. Lots of tile flooring. 2 guest bdrms, jack & jill bath. family rm & loft upstairs. Fully fenced terraced rear yd with gorgeous landscaping (maintained by owner) w new drip system. Extended patio w south exposure to catch the winter sun. Spacious rooms. Terrific resort style htd salt water community pool & spa with mountain views, BBQ's & fireplace. Quiet location near downtown-walk to shopping & dining. 30 day min on leases

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1601 E Loveland Lane San Tan Valley, AZ 85140

$599,900

3 Beds

2 Baths

2,300 SqFt

Status Active

MLS # 6781984

Property Type Single Family Residence

Price Type --

Welcome to your dream home! This charming 3-bedroom, 2-bath Home offers the perfect blend of comfort and space, nestled on over an acre of land. Enjoy the freedom of no HOA, allowing you to personalize your property as you desire. The basement makes the home approximately 2300 sq ft, not reflected in the tax records. Surrounded by beautiful custom homes, with North/South exposure this property boasts a peaceful atmosphere while being walking distance to elementary school and high school, Close to the new 24 with easy access to the 202 and 60 freeways, you'll have everything you need right at your fingertips. Don't miss this incredible opportunity to own a piece of paradise in a desirable location, just envision the possibilities that await you!

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3718 E Vallejo Drive Gilbert, AZ 85298

$599,900

3 Beds

2 Baths

1,832 SqFt

Status Active

MLS # 6773580

Property Type Single Family Residence

Price Type --

This home is nestled on a premium north/south lot with no rear neighbors, offering exceptional privacy. It features a stunning swimming pool and low-maintenance landscaping. The property includes plantation shutters, a washer and dryer, a refrigerator, and a multi-panel sliding glass door that invites abundant natural light. The kitchen boasts elegant quartz countertops and stylish subway tile. The thoughtfully designed great room floor plan separates the master suite from the secondary bedrooms, while the office can easily serve as a fourth bedroom. Conveniently located near an elementary school, restaurants, and shopping!

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