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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1410 W Flintlock Way Chandler, AZ 85286

$599,999

3 Beds

2 Baths

2,132 SqFt

Status Active

MLS # 6742529

Property Type Single Family Residence

Price Type --

Excellent location! This 3 bed, 2 bath + office/den home boasts of 2 spacious living areas, open kitchen concept with a large island and new SS appliances (2024). The oasis backyard includes a heated pool and spa, and backs to a greenbelt. This home also features a 3-car AC'd garage that includes a 220V, 27 ton hydraulic system. With a New roof (2023), New HVAC (2022), New Tankless Water Heater (2022) and water filtration throughout the home, this place has it all. The property is centrally located near the 202 freeway, Chandler Fashion Center, Hospitals, A+ Chandler Schools, Restaurants, and Much, Much More, putting you in the heart of everything Chandler has to offer.

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7741 E Portobello Avenue Mesa, AZ 85212

$599,999

5 Beds

3 Baths

2,676 SqFt

Status Active

MLS # 6744520

Property Type Single Family Residence

Price Type --

Check out this fantastic 5 bed, 3 bath residence now for sale! A beautiful facade w/stone accents, a manicured landscape, and 3 garage spaces are just the beginning. Inside you will find a spacious dining & living area w/graceful archways, soft carpet in all the right places, and plantation shutters. The cozy family room boasts a fireplace to keep you warm. The luxurious kitchen is equipped w/ample wood cabinetry, granite counters, a pantry, track lighting, SS appliances, and an island w/a breakfast bar. The primary bedroom showcases vaulted ceilings, a walk-in closet, and a full ensuite w/dual sinks. Don't forget about the large bonus room w/custom palette. Also including an expansive backyard w/a covered patio, this home is a true gem! What are you waiting for? Act now!

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1236 E Campus Drive Tempe, AZ 85282

$599,999

4 Beds

2 Baths

1,756 SqFt

Status Active Under Contract

MLS # 6750684

Property Type Single Family Residence

Price Type --

A stunning single-family home located in the heart of Tempe has 4-bed, 2-bath with 1756 sqft, 2 car garage, and covered patio. Brand new windows. You will be greeted by a bright & airy floor plan that's perfect for entertaining. The spacious living room features soaring ceilings, large windows that let in plenty of light, a cozy fireplace with beautifully decorative tile from floor to ceiling that's perfect for chilly nights. The kitchen comes with stainless steel appliances, quartz countertops & brand-new shaker cabinets. Brand new vinyl wood & carpet flooring throughout the home. Enjoy the fully upgraded, spa like bathrooms with high end shower system, framed mirrors, shower niche, & custom vanities. No HOA. Walking distance to parks and bike paths. Don't miss out!

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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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22325 N 78th Drive Peoria, AZ 85383

$599,999

4 Beds

2 Baths

2,136 SqFt

Status Active

MLS # 6757376

Property Type Single Family Residence

Price Type --

NEWLY UPDATED 4-BEDROOM HOME IN THE FLETCHER HEIGHTS COMMUNITY! This home features updated flooring throughout. Quartz countertops in kitchen and bathrooms updating the home with a bright and airy atmosphere. Fresh paint throughout. The eat-in kitchen features ample cabinet space with a large island with breakfast bar seating. The primary bedroom features dual sinks, separate tub and shower, and walk-in closet. The other bedrooms are located away from the primary bedroom allowing privacy. The large back yard features a hot tub and ample space to create a beautiful low maintenance backyard oasis. A MUST SEE TO MAKE THIS YOUR HOME!

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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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1659 W San Remo Street Gilbert, AZ 85233

$599,999

3 Beds

2.5 Baths

2,041 SqFt

Status Active Under Contract

MLS # 6759957

Property Type Single Family Residence

Price Type --

GREAT LOCATION! Premium Golf View Lot! Remodeled home with 3 bedrooms plus a loft office with built-ins. 2.5 baths including private Owner's Bathroom with separate soaking tub and shower. Owner's Bedroom features walk-in closet and balcony overlooking backyard and golf course. Premium home-site with large open backyard overlooking a lush green fairway at Kokopelli Golf Club. Updated self-cleaning pebble surface pool with expanded cool decking. Great yard for entertaining! Beautifully remodeled kitchen with granite counter-tops and stainless steel appliances. All appliances included. Cozy woodburning fireplace in Family Room. Newer roof & A/C. Great central location in north Gilbert. The popular El Dorado Lakes Golf Community features playground, parks, basketball, tennis and more!

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750 N Chippewa Place Chandler, AZ 85224

$599,999

4 Beds

2 Baths

2,070 SqFt

Status Active Under Contract

MLS # 6762793

Property Type Single Family Residence

Price Type --

This stunningly remodeled single-story home with owned solar features 4 bedrooms, a den/office, 2 bathrooms, and a roomy 2-car garage, all within 2,070 square feet of thoughtfully designed living space. The open split floorplan provides a perfect balance of privacy and functionality. The upgraded kitchen features granite countertops, updated cabinets and appliances, a stylish hood over the cooktop, and a generous walk-in pantry. The primary suite is a true retreat, complete with an extra-long vanity featuring dual sinks and custom mirrors, a walk-in shower with dual shower heads, a large walk-in closet, and a private toilet room. Throughout the home, you'll find updated dual-pane windows, blinds, ceiling fans and modern light fixtures. The exterior is equally impressive with a charming... private courtyard, a paver walkway, and a backyard that boasts a covered patio, a sparkling pebble-tech pool, a grassy lawn, putting green and RV gate with additional parking. Located in a cul-de-sac, this home offers both tranquility and convenience, being centrally situated near shopping, dining, freeways, and entertainment. This home is a must-see for those seeking comfort, style, and convenience!

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18226 W Desert Willow Drive Goodyear, AZ 85338

$599,999

3 Beds

2 Baths

2,672 SqFt

Status Active Under Contract

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. Rate Relief Rebate Program: Benefit from a 2% seller credit to reduce your mortgage payments by approximately $601/month in year 1 and $308/month in year 2. This exclusive offer makes homeownership more affordable now, while you await potential rate decreases. Ask about an ADDITIONAL $7,000 home buyer credit available on this home via the Community Promise Program.

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1983 E Secretariat Drive Tempe, AZ 85284

$599,999

3 Beds

2 Baths

1,438 SqFt

Status Active Under Contract

MLS # 6766560

Property Type Single Family Residence

Price Type --

Beautifully remodeled home in a fantastic neighborhood, close to freeways, shopping and with a lot large enough for a pool and more! This home has $41K of PAID OFF SOLAR WITH A BATTERY, SRP bills have not exceeded $90 all summer. PLUS it has a large RV pad with water, sewer and electric hookup plus room for a boat! NO HOA. Outside you have a brand new roof, watering system and landscaping. Inside it's bursting with cuteness from the completely revamped kitchen with a HUGE, HUGE island to new cabinets, SS appliances, quartz counters, lighting throughout, flooring, fans, doors, it just goes on and on. Home has dual pane windows, primary has a brand spanking new shower for 2 with custom glass door, a walk-in closet and access to the back patio. Soft water loop, mudroom and A NEW MAILBOX!!

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21070 E Domingo Road Queen Creek, AZ 85142

Open House

$599,999

4 Beds

3 Baths

2,188 SqFt

Status Active

MLS # 6770336

Property Type Single Family Residence

Price Type --

Look No Further, Your Dream Home Is Here Ready For You! Welcome to this exquisite 4-bed, 3-bath Lennar-built Douglas Model located in the sought-after Queen Creek community of Nauvoo Station. This home features the exclusive Platinum Package, offering luxury finishes and attention to detail throughout. Highlights include: Gorgeous granite countertops in the kitchen and bathrooms. Elegant cabinets with crown molding. Sleek subway tile backsplash in the kitchen and master shower. Spacious kitchen cabinets offering ample storage. Beautifully framed bathroom mirrors. Conveniently installed gutters. Relaxing hot tub/spa and refreshing pool in a beautifully landscaped backyard. A practical storage shed for additional storage space. Enjoy modern comforts of living for the right price!

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2860 E Nunneley Road Gilbert, AZ 85296

$599,999

4 Beds

2 Baths

2,361 SqFt

Status Active

MLS # 6770702

Property Type Single Family Residence

Price Type --

SPLIT FLOORPAN features 4 bed 2 bath 3 car garage beauty in Rancho Corona on a NS facing corner lot. Freshly painted and new carpet are ready in this turn key home to be yours! PAID OFF SOLAR electric bills with a monthly average of only $88! Tile adorns the living space, quartz countertops and tiled backsplash in the open kitchen. Windows have custom treatments. Laundry room features front loading washer and dryer included! Freezer in garage conveys as well as the big screen tv. Backyard has been freshly manicured to enjoy our fall evenings ahead under the covered patio. Great Gilbert location close access to freeways, restaurants and shopping!

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