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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27229 N 103rd Avenue Peoria, AZ 85383

$599,900

4 Beds

3 Baths

2,119 SqFt

Status Active

MLS # 6721942

Property Type Single Family Residence

Price Type --

Welcome to Northlands Encore in beautiful North Peoria, best value for the money in the area, here the skies are bigger and the sunsets are like none you've ever seen. Step outside every morning and view the colorful skyline with the Calderwood Butte in the backdrop, plus with the trail head right down the street you'll get the full enjoyment of this very special home in a very special community. Step inside this stylish and move-in-ready Sapphire Model by Taylor Morrison, with 2119 sq.ft. of interior living space, 4 Beds PLUS Den + 3 Baths and a 2 CAR Garage. Open concept main living area with a light gray color pallet, rich wood look porcelain tile floors, barn-wood shiplap accent wall in living room, updated carpet in 2023, can lighting, white trim, blinds and doors. Kitchen features beige/cream granite countertops and island, bright white cabinets, black vintage cage pendant lighting, stainless steel appliances and a walk-in pantry for all your storage needs. Step into your master suite, light and bright with master bath, featuring double sinks, espresso vanity, large stand up shower with seating, separate toilet room and walk-in closet. 3 additional bedrooms and two full bathrooms plus a spacious Den with french doors that would make a great office or library. Step outdoors, take a deep breath and enjoy your private mountain views. With a spacious back yard that checks all the boxes, covered patio, large green space, and a side yard with a storage shed. There truly is nothing to do except move in and live your absolute best life. Neighborhood mountain views and trails, close proximity to 303 freeway access, 10 minutes to TSMC, shopping, dining, entertainment, health care, and less than 20 min. away from beautiful Lake Pleasant Regional Park. A list of updates and floor-plan are available in the documents tab.

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6202 E Mckellips Road Unit 310 Mesa, AZ 85215

$599,900

3 Beds

2 Baths

1,866 SqFt

Status Active

MLS # 6745407

Property Type Single Family Residence

Price Type --

Welcome to Tuscany Villas at Painted Mountain Golf Resort, NE Mesa's most coveted gated and golf course community! Step into this rare, free-standing golf course home, where every detail is crafted for perfection! This stunning villa features 3 spacious bedrooms and 2 luxurious bathrooms, all set in an open floor plan that exudes elegance. The upgraded kitchen is a chef's dream, boasting beautiful cabinets, sleek granite countertops, tile flooring, and a generous prep island. Whether you're hosting a formal dinner or enjoying a casual meal, the informal and formal dining areas offer flexibility and style. Relax in the great room with its large windows framing breathtaking views of the golf course, or retreat to your private master suite, complete with a walk-in closet and a master bath designed for ultimate relaxationfeaturing a soaking tub and walk-in shower. Two additional well-sized bedrooms and a full bath ensure comfort and convenience for family and guests. The backyard is your personal oasis! With a covered patio, lush landscaping, a cozy fire pit, and a paved patio area, you'll be set for enjoying Arizona's beautiful weather and stunning golf course vistas. Don't miss out on this gem! Plus, the 2-car garage with epoxy flooring and cabinets adds to the home's exceptional appeal. Tuscany Villas enhances your lifestyle with a heated pool, 2 spas, a clubhouse, a fitness area, and a variety of activities. Come see for yourself and discover the perfect blend of luxury and leisure in your new home!

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16214 W Questa Drive Surprise, AZ 85387

$599,900

3 Beds

2.5 Baths

2,357 SqFt

Status Active

MLS # 6708544

Property Type Single Family Residence

Price Type --

Welcome to Sonoma Coast at Esca;lante! New construction TO BE BUILT! This single level 2357 SF single level 3 BR with den, 2.5 BA home is for the garage guy! 5 1/2 tandem car garage on a larger 8,840 S.F. lot!!. This home can easily be expanded to 5 bedrooms 3 baths. Surrounded by all single level homes. Exciting included features include - 10' ceilings, 8' doors, granite tops in the kitchen, tank less water heater, front yard landscape package. Large kitchen Island with Prep Area. paver driveway, 2'' faux blinds on all windows, ceiling fans in all room,EV outlet in garage, Indoor air plus and Energy Star Qualified. This home is to be built! Floorplan under doc tab.

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11255 E Utah Avenue Mesa, AZ 85212

$599,900

4 Beds

3.5 Baths

2,623 SqFt

Status Active

MLS # 6712922

Property Type Single Family Residence

Price Type --

Don't miss this quick move-in home. Stunning 4 bedroom home with Den and 3.5 baths. Occupied less than 6 months, but not by choice. Includes appliances, window treatments, cabinet hardware, RO water. Gourmet kitchen includes quartz countertops, 42'' white shaker cabinets and stainless steel appliances with gas cooktop, hood, wall oven and built in microwave. Spa like master bath with separate tub and shower. Tile floors in all the main areas, carpet only in bedrooms. 10' Ceilings with 8' interior doors. 4 1/4' baseboards, paver drive, walkway, and patio. Energy star home for comfort and energy efficiency. Quick move-in and seller willing to offer concessions to assist with closing fees and or buy down rates with reasonable offer. Seller says bring all reasonable offers!

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3554 N Hooper Street Buckeye, AZ 85396

$599,900

4 Beds

3 Baths

2,590 SqFt

Status Active

MLS # 6720288

Property Type Townhouse

Price Type --

Don't miss out on this golf course home with views!! Buy now before prices go up with lower rates. This elegant and upgraded 4 bedroom 3 bath home backs up to Hole #4 of Founder's Golf Course. Back gate to access the course whenever you see fit from your relaxing pergola covered back yard with outside fireplace. HOA takes care of the front yard (except court yard), has a community pool a short distance away. Phenomenal mountain views from your back yard and private balcony off of the owners suite, going back inside you will appreciate lots of kitchen cabinet storage and granite counter tops, small office space off the kitchen for those that work from home, cozy fireplace, bedroom or full office downstairs with full bath large laundry room with additional under stair storage, going upstairs is an additional 3 bedrooms and 2 baths, large owners suite and bath with very large walk in closet, tub in owners bath with window looking out over mountains, freshly painted on the interior about 1.5 years ago, large 2 car garage with extra height with dual storage racks, also could make a great winter home lock and leave style, or a vacation home to allow you to escape to Arizona, located in larger community of Verrado which is a very kid and animal friendly oriented community that has tons to do with pools, events on weekends, sidexside parades, firework show and yes of course golf. Come see Verrado and see what it has to offer.

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17152 W Grant Street Goodyear, AZ 85338

$599,900

5 Beds

3 Baths

2,934 SqFt

Status Active

MLS # 6727655

Property Type Single Family Residence

Price Type --

Welcome to this stunning 5 bedroom, 3 bath, two-story home with energy-efficient solar, situated on a desirable N/S exposure lot in the welcoming community of Crestwood at Canyon Trails. Step inside to discover an inviting interior featuring a soothing neutral color palette and upgraded plank tile flooring throughout the main lower living areas. The welcoming formal dining room flows effortlessly into the gourmet kitchen, which offers stainless steel appliances, gorgeous granite countertops, a decorative tile backsplash, and a view window above the sink that floods the room with natural light. The desirable center island with a breakfast bar opens to the casual dining space and great room, where a cozy fireplace adds warmth and charm. From here, you have great access to the backyard oasis Step outside to the extended covered patio and admire the low-maintenance landscaping and ample space to entertain and dine alfresco, making it the perfect setting for gatherings with family and friends. This well-designed floor plan includes a guest bedroom downstairs, a private office with built-ins and a double door entry, and a guest bathroom, providing convenience and versatility. Upstairs, you'll find the primary bedroom featuring an ensuite full bathroom with dual sinks, a walk-in shower, separate soaking tub, private toilet, and a large walk-in closet. A spacious loft with distant views, a full guest bathroom, and three additional bedrooms complete the upper level, ensuring comfort and privacy for all residents. Don't miss this incredible opportunity to own a beautiful home in Crestwood at Canyon Trails!

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18805 W Oregon Avenue Litchfield Park, AZ 85340

$599,900

6 Beds

4 Baths

3,159 SqFt

Status Active

MLS # 6730177

Property Type Single Family Residence

Price Type --

This home 6 bed/4 Bath home is a true gem, featuring advanced solar panels and storage banks for exceptional energy efficiency and substantial savings on utility bills. Enjoy a healthier, chemical-free swimming experience in the ozone pool. Check out the contemporary kitchen and open-plan living areas, perfect for modern living. The primary and guest bedrooms are conveniently located downstairs. Why buy a new build when everything is already done for you to enjoy right away! Seller offering concession for rate buy down too!

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4506 W Maggie Drive San Tan Valley, AZ 85144

$599,900

5 Beds

3.5 Baths

3,254 SqFt

Status Active

MLS # 6730680

Property Type Single Family Residence

Price Type --

You don't want to miss this rare NEXT-GEN home offering a total of 5 bedrooms & 3.5 baths with a newly updated and never lived in CASITA with a separate entrance, separate kitchen, laundry hook up, living area, bathroom and bedroom. 3253 sq ft with the main portion of the home offering separate living/dining, family rooms and upstairs loft. Granite countertops, gas range, stainless appliances, pantry and island with breakfast bar. Sliding doors lead out to the covered patio, HEATED POOL, pergola-covered decking, and additional paver patios, perfect for outdoor entertaining! Loft, bedrooms & laundry are upstairs. Home also features a new upstairs AC unit in 2021 and a new gas water heater in 2023.

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10511 E Portobello Avenue Mesa, AZ 85212

$599,900

3 Beds

2.5 Baths

2,584 SqFt

Status Active

MLS # 6733154

Property Type Single Family Residence

Price Type --

Amazing value with everything you want, 3 Car Garage, California Play Pool w/waterfall, N/S exposure, 3 BR's + a Den! 2-1/2 Baths, Split floor plan, Upgraded very nicely! Kitchen offers Granite Counters with large Breakfast Bar, Stainless Appliances, Raised panel light maple cabinets & tile floors & it's connected to Large Family Room. There's also a Living Room & separate Dining Room. The Master Suite is a wonderful size along with the updated Master Bath, offering separate tub & shower with nice tile surrounds including glass inserts, dual sinks & private water closet & large closet! Wow, the backyard offers a pebble tech play pool & Built in BBQ making it an entertainers dream with plenty of additional room for pets & kids to Romp . Also offers Double gate for easy access

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4638 W Hayward Avenue Glendale, AZ 85301

$599,900

5 Beds

3 Baths

2,483 SqFt

Status Active

MLS # 6735480

Property Type Single Family Residence

Price Type --

Stunning FIVE-bedroom remodeled home in Golden Palm Estates! Perfectly situated in almost half acre lot, this home boasts THREE fully remodeled bathrooms, white kitchen cabinetry, granite counters, stainless steel appliances, just painted interior, washer/dryer, gas fireplace, separate living & family room, updated tile flooring, fresh exterior paint, room for two RV gates, and a Sparkling POOL that is perfect for the Arizona summers and outdoor entertaining! At over 19,000 sq ft you will have plenty room for outdoor activities, gardening, or enjoying the fresh air. Don't miss out on this incredible opportunity to own a piece of Arizona paradise! Make your appointment today & make this house your dream home! This HOME QUALIFIES FOR A FIRST-TIME HOMEBUYER Grant and Down Payment Assistance!

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3714 E Vaughn Avenue Gilbert, AZ 85234

$599,900

4 Beds

2 Baths

2,417 SqFt

Status Active

MLS # 6738932

Property Type Single Family Residence

Price Type --

Escape to your own retreat in Gilbert, Arizona, where a backyard haven offers a blend of luxury and tranquility. The split ranch floor plan offers an ideal layout for privacy and open living, perfect for families and entertaining. The kitchen features high-end stainless steel appliances, granite countertops, and a central island, seamlessly connecting to the spacious living and dining areas. The master suite is a private retreat with a walk-in closet and an ensuite bathroom featuring dual sinks, a soaking tub, and a separate shower. Three additional bedrooms share a well-appointed bathroom. Step outside to enjoy the backyard oasis, complete with a sparkling pool, heated spa, and a view fence overlooking a peaceful wash. The property also includes an RV gate, providing convenient storage.

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2905 E Norcroft Street Mesa, AZ 85213

$599,900

4 Beds

2 Baths

2,124 SqFt

Status Active

MLS # 6757675

Property Type Single Family Residence

Price Type --

This beautifully maintained home in north Mesa sits on a .25 acre lot with no HOA! As you enter, you will love the updated flooring and open feel. Straight ahead is a large living room with modern fixtures and views of the backyard. To the left, is the eat-in kitchen and the family room. To the right, the owner's suite and 3 additional bedrooms. All cooled with a 2024 5 ton HVAC system! In the backyard, a nice sized pool surrounded by a carefully manicured landscaping. Plus the yard is big enough to park an RV! Located near some of the best schools in Mesa and an easy commute to Sky Harbor and Phoenix. The best part the community is located along the low traffic of Lindsay Rd, promising a quiet refuge. Plus, enjoy low traffic in front of the home as it is not a thru street.

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