4 Things You Absolutely Should Not Do After You Apply for a Mortgage

4 Things You Absolutely Should Not Do After You Apply for a MortgageIf 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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7527 E Elderberry Way Gold Canyon, AZ 85118

$609,000
4 Beds
3 Baths
1,900 SqFt
Status Active
MLS # 6753890
Property Type Single Family Residence
Price Type --
Welcome to your new AZ home! Everything is here (except your personal belongings & items to fill kitchen cupboards). 3 bedroom (split floorplan) & 2 bath home has ALL the furniture & appliances included PLUS comes with a 1 bedroom / 1 bath casita with it's own entrance making it a total of 4 bedrooms/3 bath home. Owners have been diligent about upgrading & maintaining their winter home(used approx. 3 months a year). Kitchen has granite counters & newer appliances. Garage has built in cabinets, sink, overhead storage racks, water softener, & epoxy flooring. Enjoy the gas fireplace on those chilly nights or mornings, and when outdoors, enjoy entertaining outdoors by the gas firepit , cooking by the grill, or just enjoying the view. List of improvements in document section.

13050 W Hummingbird Terrace Peoria, AZ 85383

$609,000
2 Beds
2 Baths
1,874 SqFt
Status Active
MLS # 6771849
Property Type Single Family Residence
Price Type --
This Pristine SOLAR Libertas floor plan is located on an EXTREMELY PRIVATE corner lot! You're welcomed w/ beautiful curb appeal, PAVER DRIVEWAY & charming front courtyard!! Notice the pride in ownership once you step foot in this home & admire the UPGRADES and CUSTOM touches!! The REDESIGNED KITCHEN is STUNNING - the NEW ISLAND DESIGN & GRANITE is a show-topper!! Kitchen features stunning RAISED PANEL CABINETRY that is staggered w/ larger crown, new SUBWAY TILE BACKSPLASH, Built-in SS GAS APPLIANCES & a CUSTOM PANTRY w/ Beverage Fridge!! Beautiful, oversized tile installed in all the right areas!! Both Baths are UPGRADED to the HILT w/ CUSTOM FINISHES!! Backyard is an extension to the home - MASSIVE COVERED PATIO w/ EXTENDED PAVERS, Built-in BBQ w/ Bar, GAS Firepit, water feature & Lush, green landscaping - WOW!! Add'l upgrades: 4' GARAGE EXTENSION w/ Epoxy & Cabinets, PLANTATION SHUTTERS, CROWN MOLDING, SINK & Storage in laundry room, BAY WINDOW in Master, custom closet at Master, soft water, RO, Den with DOUBLE DOORS & upgraded fans & lighting thru-out! This home is a gem - don't miss the opportunity to call this HOME!! Majority of furniture available on separate Bill of Sale.

6333 E Viewmont Drive Unit 66 Mesa, AZ 85215

$609,000
3 Beds
2 Baths
1,695 SqFt
Status Active Under Contract
MLS # 6763699
Property Type Single Family Residence
Price Type --
**Outdoor living with both a covered patio and large open patio to dine al fresco or simply unwind amidst the lush landscaping** Welcome to your slice of paradise nestled within the exclusive gated neighborhood of Sienna Hills in Red Mountain Ranch, where hillside views and twinkling city lights create a stunning backdrop for everyday living. The community is built around a breathtaking 18 hole championship Pete Dye designed golf course. This remarkable home, adjacent to the serene Tonto National Forest, offers a perfect blend of comfort and elegance, designed for those who appreciate both nature and modern living. Step inside to a freshly painted, bright, and open floor plan, where vaulted ceilings and large windows bathe the space in natural light, showcasing lush landscaping. The spacious living area seamlessly flows into the kitchen and dining area, perfect for entertaining friends or enjoying quiet dinners. The home features an updated kitchen equipped with LG appliances, gorgeous granite countertops, and stylish tile plank flooring that flows seamlessly through the main living areas...no carpet to worry about here! Retreat to your luxurious main suite with a large sliding door that leads to a beautiful paver patio that invites you to savor morning coffee or evening sunsets. The main bathroom offers extended counter space with double sinks, a soaking tub, and a separate glass enclosed shower stall. Did I forget to mention the separate toilet room and a large walk in closet with built in shelves? Two additional bedrooms offer versatility, with the third bedroom currently serving as a stylish office spaceperfect for remote work or study. The oversized two-car garage provides ample storage, while the neighborhood's scenic trails lead you to stunning views of the Pete Dye designed golf course, Camelback Mountain, and Red Mountain offering the ultimate outdoor lifestyle. Outdoor living is elevated here with both a covered patio and large open patio, where you can dine al fresco or simply unwind amidst the lush landscaping. The exterior of the home and privacy fencing have been recently painted, providing a sanctuary for relaxation and entertaining. With thoughtful updates and charming transoms above doors, this home harmonizes contemporary style with serene surroundings. Whether you are hiking in the national forest, enjoying local amenities, or simply basking in the tranquility of your own backyard, this residence offers an unparalleled lifestyle. Don't miss this rare opportunity to own a piece of paradise in Sienna Hills! Have a private tour today and make this enchanting home yours before it's gone! Offered by Owner/Agent Use of Private Red Rocks Park with playground, Ramada picnic area, basketball court, pickle ball court, and large grass field are included with HOA fees. Use of Red Mountain Ranch Country Club and facilities that include tennis courts, pool, golf course, driving range, dining, and fitness facility are available for a fee with a variety of membership options. This is separate fee and the use is not included as a part of the HOA fees.

1530 Roadrunner -- Prescott, AZ 86303

$609,000
2 Beds
3 Baths
1,645 SqFt
Status Active Under Contract
MLS # 6765330
Property Type Single Family Residence
Price Type --
Nestled among the pine trees and just minutes from downtown Prescott in Hidden Valley Ranch. Improvements in the last 10 years include a newer roof, AC, windows (triple pane on east side and double pane on west), french doors, exterior paint, driveway and patio pavers, garage doors, and luxury vinyl flooring. The large kitchen and dining room features granite countertops, stainless steel appliances, pull-out shelves, an island, and recessed lighting. This single-story home has three unique levels: the main living space upon entry with patio access, four steps down to kitchen, bath, and laundry and three steps up to the bedrooms and bathrooms. Enjoy a paver patio in the naturally landscaped backyard. Community benefits include a pool, tennis and pickle ball courts, and clubhouse.

18627 N 43rd Place Phoenix, AZ 85050

$609,000
3 Beds
2.5 Baths
1,963 SqFt
Status Active
MLS # 6776064
Property Type Single Family Residence
Price Type --
Must see this spacious yet charming updated home featuring heated spa/pool and solar (owned not leased) on a cul de sac lot. This desirably situated North Phoenix Home has so many updates including Kitchen w/Stainless Steel Appliances including Refrigerator, Countertops, Breakfast Bar, Sink, Faucet, Remodeled Baths w/Tiled Shower Surrounds, Oil Rubbed Bronze Fixtures, Designer Mirrors, Countertops, Sink Bowls, Faucets, Hardware, Light Fixtures, Fireplace, Ceiling Fans w/Lights, Washer & Dryer Included. The beautifully updated backyard recently had $35k spent on the pool/heated spa & cool decking and is perfect for entertaining. You'll love the mountain view from the backyard and master bedroom. Close to everything - High Street, Desert Ridge, Kierland, Scottsdale Quarter, PV Golf, Reach 11 park, CREST. EZ freeway access to 51 & 101. Don't miss it before its gone.

7453 E Almeria Road Scottsdale, AZ 85257

$609,000
3 Beds
2 Baths
1,498 SqFt
Status Active
MLS # 6738857
Property Type Single Family Residence
Price Type --
MUST SEE TODAY!!! Pride of ownership is shown in this fabulous turn-key residence nestled in Scottsdale! Discover an impressive interior showcasing tile flooring, a soothing palette throughout, plantation shutters, and recessed lighting. The spotless kitchen is ready for you to cook your favorite meals, offering white shaker cabinets, sleek granite counters, stainless steel appliances, and a center island complete with a convenient breakfast bar for casual dining. The master bedroom boasts a sliding-door closet and a private bathroom for added comfort. Host fun gatherings in the wonderful backyard, including a covered patio and a sparkling swimming pool! This is truly a turn key property, ready to go. Only a mile from old town Scottsdale!

32828 N 228th Drive Wittmann, AZ 85361

$609,000
4 Beds
2 Baths
1,403 SqFt
Status Active
MLS # 6757577
Property Type Single Family Residence
Price Type --
Set on a full acre, this 4-bedroom, 2-bathroom home is a striking combination of modern updates and rural charm. With a 2023 refresh that includes new flooring and updates to the kitchen and bathrooms, the interior feels fresh, cool, and contemporary. The open floor plan flows effortlessly, creating a spacious and inviting atmosphere that's perfect for both entertaining and everyday living. The property is ideal for those with hobbies or larger projects, featuring a massive 30' x 50' x 14' detached, insulated shop, fully equipped with electrical and offering 10' x 10' and 10' x 12' doors, providing ample room for up to six vehicles or larger equipment. The 10' x 16' wood shed with a window AC unit adds additional functional space, perfect for storage or a small workshop. Backing up to... state trust land, this property offers expansive views and exceptional privacy. For pet owners, the fenced dog yard includes a dig-proof kennel, giving peace of mind and security for your pets. This home perfectly blends modern conveniences with the freedom and space of rural living, offering a lifestyle that's as practical as it is peaceful.

21265 W Wilshire Drive Buckeye, AZ 85396

$609,000
4 Beds
2.5 Baths
2,322 SqFt
Status Active Under Contract
MLS # 6737604
Property Type Single Family Residence
Price Type --
Beautiful 4 bedroom, 2.5 bathroom single level Lennar home located in Sienna Hills. The kitchen features white Shaker cabinets, Quartz countertops with a large island & high-end Bosch stainless steel appliances. The kitchen flows with an open concept to the large family room, dining area and a 4 panel sliding door that leads to the large covered back patio. The backyard oasis features Travertine pavers, pool with Baja step, water feature and complete landscaping. Inside, the light gray 12x24 tile throughout leads to an open floorplan with split bedrooms. The split primary bedroom has a full bathroom with double sinks, private toilet room, his/her closet with access to the laundry room. There's plenty of space in the 3 car/tandem garage. The front porch area is shaded and gated! The fantastic community, Sienna Hills, is located between Verrado and the White Tanks Mountains, featuring great community amenities, great mountain views, parks, schools, shopping, dining, hiking and biking trails!

2907 E Whispering Wind Drive Phoenix, AZ 85024

$608,989
4 Beds
2 Baths
1,830 SqFt
Status Active
MLS # 6751712
Property Type Single Family Residence
Price Type --
Buyer able to take advantage of credits from both Seller and Preferred Lender at closing. Seller Credit to be 2% of sales price (estimated value $10,500) on a full-price offer, and may be lowered on a below-list price offer. Preferred Lender Credit to be up to 1% of loan amount (estimated value $3,500 - $5,000) and is not contingent on offer price. All Credit totaling an estimated of $14,000 to $15,5000 can be combined and used for any Buyer fee including 2/1 Buy-down, or Purchase Price Reduction. May NOT be used to pay any portion of the Down Payment. Reach out to Preferred Lender, The Goldberg Group at Barrett Financial Group to get pre-qualification more details about Lender Credits. Matt Goldberg (NMLS 1342195) Josh Goldberg (NMLS 216038). desirable Phoenix neighborhood, this home is close to shopping, dining, and great schools. Don't miss your chance to make this wonderful property your own!

1204 W Fever Tree Avenue San Tan Valley, AZ 85140

$608,900
4 Beds
2.5 Baths
2,716 SqFt
Status Active
MLS # 6727454
Property Type Single Family Residence
Price Type --
New incentive- With purchase price of $620K, sellers will pay off the solar lease! Giving buyers 10 yrs of ultra low utility billls! Sellers had $0 utility bills in summer!! Fall/spring were approx $20, winter btwn $20-$50. Come see this beautiful, highly upgraded 4 bed+ office, 2.5 bath, 3 car garage . Gourmet kitchen includes granite counters, oversized island, stainless appliances, gas cooktop, convection oven, & huge walk-in pantry. Primary bedroom features dual vanities, soaking tub, large shower & walk-in closet. Split floor plan with large secondary rooms and walk-in closets. Extra cabinets in laundry & garage. Grass, extended paved patio, and garden beds. Enjoy 2 community pools, splash pads, club house, playgrounds, pickle ball, basketball, sand volleyball, & frisbee golf course

10044 E Tiburon Avenue Mesa, AZ 85212

$608,500
5 Beds
3 Baths
2,547 SqFt
Status Active
MLS # 6751296
Property Type Single Family Residence
Price Type --
TURN KEY READY!! Nearly-new 5-bedroom, 3-bath home in Mesa's Cadence at Gateway community. Fully Furnished! Built in 2022 by Tri Pointe Homes and stayed in just a handful of times! This spacious residence features a gourmet kitchen with stainless steel appliances, granite countertops, and a large island. Bright, open living areas flow seamlessly into a backyard oasis with custom BBQ and designer turf. The primary suite offers a spa-like bath with dual vanities, and walk-in shower. One of the biggest selling points is access to resort-style amenities, including one of the best community pools in the state, many parks, and trails.

1240 E Windsor Avenue Phoenix, AZ 85006

$608,000 - 3Br/3Ba -  for Sale in South Country Club Manor, Phoenix
Open House
$608,000
3 Beds
2.5 Baths
1,739 SqFt
Status Active
MLS # 6748705
Property Type Single Family Residence
Price Type --
This charming ranch home sits in the Country Club Manor section of Coronado District!! 3 bedrooms, 1.5 bathroom main house, PLUS 1 bed 1 bath guest quarters. Already separated with fencing for privacy. Large yard with new landscaping in the front. Some original features of this home have remained, such as coved ceilings, original doorknobs, and built in nooks. The classic floorpan includes custom built bookshelves and floor to ceiling windows in the main space of the home. The home has been well loved and is ready for the next owner to move in and make it their own

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