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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21962 E Stirrup Court Queen Creek, AZ 85142

$599,995

4 Beds

3 Baths

2,570 SqFt

Status Active

MLS # 6706489

Property Type Single Family Residence

Price Type --

This Celeste plan boasts an open layout with a great room, a breakfast nook and a kitchen with a walk-in pantry and a center island. The primary suite is adjacent, and showcases a generous walk-in closet and an attached bath. This home features 4 beds, 3 baths with a private study, wood-look tile throughout, quartz countertops in the kitchen, brushed nickel fixtures, gourmet kitchen and more!

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23988 N 171st Lane Surprise, AZ 85387

$599,995

3 Beds

2.5 Baths

2,730 SqFt

Status Active

MLS # 6709402

Property Type Single Family Residence

Price Type --

Welcome to Estates at Asante, a beautiful community with surrounding views to enjoy! This community offers single story homes with floor plans you will love, like our beautiful Julia plan! Once you walk inside the Julia, the extended entry leads to an expansive gourmet kitchen with an extended Quartz center island and 42'' cabinets; a large Butlers Pantry with a wetbar, breakfast nook and great room with multi-slide doors for indoor and outdoor entertaining. In addition, there is a formal dining room with adjacent covered courtyard off to the side of the home accessible by the center meet doors! This home is set up with 3 bedrooms, 2 and half bathrooms, 3 car garage with additional storage. Welcome to the home of your dreams!

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11239 N Luckenbach Street Surprise, AZ 85388

$599,995

3 Beds

2.5 Baths

1,862 SqFt

Status Active

MLS # 6748446

Property Type Single Family Residence

Price Type --

One of our newest plans at Sterling Grove now has a Move in Ready Home available! This Bluemont is a 3 bedroom plus den, with home. This home boasts an amazing Kitchen with beautiful cabinetry, SS Gourmet Kitchen-Aid appliance package. Prepping meals is a breeze with the large center island and ample counter space. The open-concept great room is the perfect atmosphere for entertaining, with connectivity to the dining area and expansive views of the outdoor living space. The first-floor primary bedroom suite features a lavish bathroom and huge walk-in closet. Convenient everyday entry equipped with a large laundry room and powder room helps with the daily routine. Discover what luxury living truly means and come see this beautiful home.

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1731 W Cathedral Rock Drive Phoenix, AZ 85045

$599,995

4 Beds

2 Baths

2,050 SqFt

Status Active

MLS # 6759416

Property Type Single Family Residence

Price Type --

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106 N Lariat Way Payson, AZ 85541

$599,995

4 Beds

3 Baths

3,407 SqFt

Status Active

MLS # 6760660

Property Type Single Family Residence

Price Type --

Unbelievable find for UNDER $200 PER SQUARE FOOT! This is a multi-generational house with no HOA, oversized bedrooms, and travertine flooring. You need to see this home! Fantastic 4 bed, 3 bath, 3407 square foot home at the end of a cul-de-sac in a desirable neighborhood within a mile and a half of the high school, middle school, and Rumsey Park. Freshly painted 2-level home with dueling open concept great rooms, suitable for separate living areas or an unbelievable party room. One on the 3-bedroom upper level, with a split floor plan, and one on the lower level, with a bedroom, kitchenette, and 3/4 bathroom. Both levels featuring updated Trex outdoor living areas. Investors welcome! This home offers countless opportunities. Come and see today!

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23969 N 171st Lane Surprise, AZ 85387

$599,995

4 Beds

3.5 Baths

2,840 SqFt

Status Active

MLS # 6684307

Property Type Single Family Residence

Price Type --

Welcome to your exquisite new home residence. Darius provides a sophisticated and accommodating ranch-style layout. Popular multi-generational living layout. Talk about curb appeal. Love at first site with the modern upgraded elevation. The inviting front entrance opens up t a very spacious layout. Abundance of much desirable features including spacious great room open to gourmet kitchen complimented by10 ft ceilings and center meet door to open to the covered patio and backyard. Perfect for all gatherings. In addition to a lavish owner's suite—with a roomy walk-in closet and attached double-sink bath—this home includes a second owner's suite with an adjacent living room, perfect for multi-generational living or a flex space that an be utilized best for your desired livability. Jack and jill bathroom off bedroom 2 & 3 . Split

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1735 W Wildwood Drive Phoenix, AZ 85045

Open House

$599,995

3 Beds

2.5 Baths

2,178 SqFt

Status Active

MLS # 6749237

Property Type Single Family Residence

Price Type --

MOTIVATED SELLER! Immerse yourself in luxury living in Ahwatukee with this exquisite 3-bedroom, 2.5-bathroom home boasting a dazzling pool. The open floor plan exudes light, brightness, and airiness. Upstairs, you'll find an additional loft perfect for casual lounging. The spacious primary bedroom features a walk-in closet that will fulfill any fashionista's dreams. Step outside to the backyard oasis with a pool ideal for entertaining. The beautiful kitchen highlights a large island and breakfast bar for casual dining. Furniture Available. Don't let this rare gem slip away - conveniently located near the 202 freeway for easy commuting to work or exploring the surrounding area.

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3929 W Talc Drive San Tan Valley, AZ 85144

Open House

$599,995

4 Beds

3.5 Baths

2,668 SqFt

Status Active

MLS # 6768174

Property Type Single Family Residence

Price Type --

This home is luxury single-level living at its finest. The bright foyer sets the perfect mood, offering plenty of natural light and flowing effortlessly into the rest of the home. A well-appointed kitchen boasts KitchenAid stainless steel appliances, beautiful cabinets, and a huge walk-in pantry. The casual dining area is adjacent to the kitchen, providing a convenient and intimate setting. The great room is the perfect setting for relaxation and entertaining with natural light. Roomy secondary bedrooms offer ample closet space. The primary bedroom suite is tucked away for a more intimate, private setting. A luxurious primary bathroom that boasts dual sinks, large bathtub, private toilet area and large walk-in closet. A sliding glass door leads to a luxury outdoor living space.

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21832 E Saddle Court Queen Creek, AZ 85142

Open House

$599,995

4 Beds

3 Baths

2,480 SqFt

Status Active

MLS # 6708927

Property Type Single Family Residence

Price Type --

The heart of the ranch-style Townsend is an open floor plan with a family room, a breakfast nook and a large kitchen that can be optioned with gourmet features. The adjacent primary suite offers a walk-in closet and an attached bath with several deluxe options, including a walk-in shower. You'll also find two additional bedrooms and a bath, as well as a private study and a dining room. Add another bedroom and bath in place of the dining room, or choose a guest suite instead. Includes covered patio and a 2-car garage!

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2963 N 200th Drive Buckeye, AZ 85396

$599,990

4 Beds

3 Baths

2,598 SqFt

Status Active

MLS # 6768208

Property Type Single Family Residence

Price Type --

Special Financing Available!!!!!!!!!!! Showcasing Lennar's Next Gen® design, this single-level home features an attached private suite with its own entrance, living room, kitchenette, bedroom, bathroom and garage. The main home offers a den off the foyer, an open living area and two bedrooms, including the lavish owner's suite with a spa-inspired bathroom and walk-in closet. Photos are renderings of a model home, not the actual home.

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37535 W Padilla Street Maricopa, AZ 85138

$599,990

4 Beds

3 Baths

2,765 SqFt

Status Active

MLS # 6706353

Property Type Single Family Residence

Price Type --

~~~~ Special CASH Pricing $564,990~~~~ Experience Luxury Style living in Maricopa!!! This captivating Jerome floorplan features an expansive great room with multi-slider, home office, and stunning kitchen appointed with stacked cabinetry, gas stove top, and double ovens! Relax in your freestanding tub, host on the patio, or take out the toys from your FIVE CAR GARAGE! With 10ft ceilings, 8ft doors, and 8,750 sq ft homesites, come see why K. Hovnanian is the First Name in Lasting Value! Ready for Quick Move-in!!

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16367 W Desert Mirage Drive Surprise, AZ 85388

$599,990

4 Beds

3 Baths

2,561 SqFt

Status Active

MLS # 6710581

Property Type Single Family Residence

Price Type --

STOP THE CAR!!! It's the Cinnabar with 4 bedrooms. Multi slide door off the great room. Pavers at drive, walk and entry, Large walk in shower at owner's bath. Stainless steel gas appliance package with a 30'' cooktop and wall oven. Sonoma maple ''Slate-grayish'' cabinets with 42'' uppers in kitchen with pullout trash drawer. Himalaya white granite countertops in kitchen, most bathrooms. Stainless steel undermount single bowl sink in kitchen with a 4x16 backsplash. Upgrade flooring includes EMS Baccarat 12x24 Astra tile in all areas of the home except bedrooms and closets. Additional recessed can lights and ceiling fan prewires. 8' tall garage door with openers and so much more.

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