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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3035 W Thurman Drive Laveen, AZ 85339

$599,990
4 Beds
2.5 Baths
2,628 SqFt
Status Active
MLS # 6742953
Property Type Single Family Residence
Price Type --
This beautifully upgraded single-story home offers 9-ft. ceilings and an open concept, split floor plan. The modern kitchen features 42-in. upper cabinets, a large center island with pendant light pre-wiring and sleek quartz countertops, a walk-in pantry, and Whirlpool® appliances - including built-in microwave, electric range, and French-door refrigerator. You'll find stunning vinyl plank flooring throughout common areas and plush carpet in the bedrooms. The private primary suite includes an oversized closet, and the primary bath boasts a walk-in shower, dual-sink vanity with modern square sinks, and an enclosed water closet. This home also includes a 40-gal. gas water heater and A/C unit with Wi-Fi-connected ecobee smart thermostat.

31953 N 117th Avenue Peoria, AZ 85383

$599,990
3 Beds
2 Baths
1,921 SqFt
Status Active
MLS # 6755502
Property Type Single Family Residence
Price Type --
It's the beautiful Clover in the beautiful community of Mystic. 3 bedrooms + flex space to use as you wish. Multi slide door that leads out to the covered patio. Large walk-in shower at owner's bath with tile. Stainless steel gas appliance package with 36'' cooktop, wall oven, microwave, glass canopy hood. Barnett Maple Latte cabinets with 42'' kitchen uppers, pull out trash drawer. AZT Ripieno quartz countertops in kitchen and both baths. Mohawk REV wood laminate Casita court in all areas except beds/closets. Amenity Rich Mystic includes a Resort Style community pool, Rec center with year-round events, Hiking paths & community parks. The perfect location- close to shopping, restaurants, golf, Lake pleasant and the loop. PICTURES ARE FROM THE CLOVER MODEL HOME.

22873 E Roundup Way Queen Creek, AZ 85142

$599,990
4 Beds
3 Baths
2,234 SqFt
Status Active
MLS # 6764472
Property Type Single Family Residence
Price Type --
''The Sunflower floorplan is ideal for modern living, featuring an expansive kitchen with a large island, pantry, and generous dining and Greatroom areas, perfect for entertaining guests or enjoying quality family time. Step into this stunning quick move-in home, offering a thoughtfully designed 2234 sqft layout with 4 bedrooms, a guest retreat, 3 full bathrooms and 2.5 car garage. The home radiates elegance with finishes from the Oxford Collection, showcasing 6 x 36 Vicinity Natural plank tile floors in the main living areas, plush carpeting in the bedrooms, and stylish 42'''' Fairview Sarsaparilla shaker cabinets adorned with sophisticated Champagne Bronze hardware. The kitchen is truly a showstopper, featuring Della Terra Quartz countertops in Carrara Breeze and a 3 x 12 Matte White brick-pattern tile backsplash, creating a seamless blend of luxury and functionality. Additional highlights include a paver driveway and entry walkway, two-tone paint, and 8' doors throughout, adding to its refined appeal. The spacious Greatroom is accented by a 4-panel sliding glass door that seamlessly transitions to the covered patio and backyard, making it perfect for embracing indoor-outdoor living. This home is fully equipped with stainless steel appliances, including a gas range, microwave, dishwasher, refrigerator, white washer and dryer, blinds, soft water loop, and a garage door openermaking it truly move-in ready. This Sunflower plan combines thoughtful design with elegant details, creating an inviting and meticulously finished space that's ready to welcome you home. Don't miss the opportunity to experience this gem firsthand.

7617 W Smoketree Drive Peoria, AZ 85383

$599,990
3 Beds
2.5 Baths
1,953 SqFt
Status Active
MLS # 6751349
Property Type Single Family Residence
Price Type --
Brand new community in North Peoria! This stunning single story home offers 1,953 sq ft of functional living space. It features 3 bedrooms, 2.5 bathrooms, den, and a 2 car garage. The open concept kitchen is perfect for entertaining and features an Island, a walk-in pantry and stainless steel appliances. It also offers our Harmony Palette which includes gray painted 42'' cabinets, slate gray quartz kitchen countertops, 4x8 kitchen backsplash, and 6x24 wood looking plank tile in all the common areas. The great room offers a 4-panel center sliding glass door so you can step out into your covered patio to enjoy indoor/outdoor living in your backyard with friends and family. The primary suite has a spacious walk-in closet, double sinks, walk-in shower, and an additional linen closet for extra storage. This home also features a paver driveway, 8 foot interior doors, soft water loop and much more! Great location close to dining, freeways, parks, and entertainment!

5815 E Rose Garden Lane Phoenix, AZ 85054

$599,990 - 3Br/3Ba -  for Sale in Desert Ridge Superblock 1 Southwest Phase 3, Phoenix
Open House
$599,990
3 Beds
2.5 Baths
1,743 SqFt
Status Active
MLS # 6725520
Property Type Townhouse
Price Type --
IGNORE DAYS ON MARKET HOMES ARE ALMOST DONE PICTURES COMING SOON! ALL ABOARD!! NEXT STOP, THE HOME OF YOUR DREAMS!! You have just arrived at a beautiful 3 bedroom 2.5 bath home in heart of Desert Ridge. This trending home boasts quartz countertops, white cabinets, and wood-like tile!!! Washer, Dryer and Refrigerator are included! All this home needs is you! In the heart of Desert Ridge you are simply minutes from all kinds of joy. Desert Ridge Market place and High Street are right around the corner. Want to go out a little further? The 101 is only five minutes away waiting for your next adventure.

20055 W Campbell Avenue Buckeye, AZ 85396

$599,990
4 Beds
3.5 Baths
2,608 SqFt
Status Active
MLS # 6776604
Property Type Single Family Residence
Price Type --
KITCHEN: Maple Painted White Cabinetry and 3 ½'' shaker crown, Gas GE Profile 36'' stainless steel Cooktop with wall oven, Quartz Countertops, Extended Island, Box-in for 36'' refrigerator. FLOORING: 7X48 Wood look and upgraded carpet & pad. INCLUDED OPTIONS: Spanish exterior, Pre-plumb for soft water loop and Corner sliding door

14150 W Crabapple Drive Surprise, AZ 85387

$599,990
4 Beds
3 Baths
2,185 SqFt
Status Active Under Contract
MLS # 6742908
Property Type Single Family Residence
Price Type --
This is a GORGEOUS FORMER MODEL home! This home is OVERFLOWING with over $158K in DESIGNER upgrades including: tile/carpet, lights/fixtures + all window coverings! RV garage with AC! GOURMET kitchen w/gas range, quartz countertops, tiled backsplash, island w/sink, designer cabinets + stainless appliance suite! Great room w/sliding door for indoor/outdoor living! Formal dining room! PRIVATE owner's suite w/walk in shower, soaking tub + walk-in closet! STUNNING backyard OASIS w/built-built-in fire pit, pavers and extended covered porch! Great shopping/ restaurants nearby! WELCOME HOME!

9807 W Cedar Drive Sun City, AZ 85351

$599,988
3 Beds
2 Baths
1,979 SqFt
Status Active Under Contract
MLS # 6747649
Property Type Single Family Residence
Price Type --
Professionally designed, professionally remodeled from the studs out, meticulously maintained, and lovingly lived in -on the inside this home is the next best thing to a new-build while on the outside it's a ''sleeper,'' retaining the timeless and unassuming charm of its established, original 55+ Sun City neighborhood. The owners had a vision to redesign this home as a vacation destination for their out-of-state family and friends. It was imagined and built to combine stunning visuals with both a casual and comfortable feel. It's practical for a retired couple of two, and equally as practical when all the kids (with all your grandkids) fly in. From 2016 through 2019, this home received the ultimate Cinderella make-over. Click on ''More'' for a sample of the exhaustive list of updates. New plumbing throughout; completely new electrical including recessed lighting and hard-wired smoke detectors to keep you safe; new drywall with rounded corners, high ceilings, and a beautiful Santa Fe texture that makes the walls look plastered; all one tile from the inside laundry room through the kitchen, closets and bathrooms to all three (or four) bedrooms; new bathrooms with uniquely designed, extra-large, travertine showers and chair-height toilets just to make life a little easier; new show-stopper expanded entertainer's kitchen with three ovens, a butler's pantry/laundry room with removable desk, and a 10 foot beverage center with built-in wine cooler, and a whopping 9-and-a-half foot by 5 foot quartz island and two quartz sinks; new dual-pane, Milgard windows; and a new roof with 38 panels of low $ leased solar on a contract that never goes up. Even the formal dining room has an added closet and removable built-in desk, so it can be used for a 4th bedroom, a den , or to sit the whole family for holiday meals. But wait, we still have the outdoor space: step through an over-sized sliding door from the kitchen, from the great room, or from the primary bedroom onto a vast (59'x14') covered patio large enough for five tables of eight, built-in cabinets, and a cornhole set up. There, your eye is immediately drawn to a stunning, propane heated, Pebble-tech pool with a salt system, an in-floor cleaning system, and a marble-topped, raised, and a huge 14-foot-long hot tub with spillway. This show-piece pool sits in an over-sized yard with 6-foot, stucco privacy wall, and it sits next to a gorgeous, granite-topped, 9 foot outdoor kitchen that includes a fridge and a 36 workstation sink with disposal. Finally, the two car garage also has room for up to two golf carts while an extra slab was poured next to the drive way to provide extra, off-street parking. If you're looking for a way to entice the kids to visit and/or a home professionally designed for entertaining, this home was built for you. You should come see.

14904 N 56th Drive Glendale, AZ 85306

$599,980
4 Beds
3 Baths
2,288 SqFt
Status Active
MLS # 6699889
Property Type Single Family Residence
Price Type --
4 Bedroom + Loft, 3 Baths, 2 Car Garage. KITCHEN: Benton Birch Natural cabinets, Quartz Denali countertops in kitchen, Gas GE Gourmet appliances, Tile backsplash. FLOORING: 6'' x 24'' Wood-look tile, upgraded carpet and pad., mission stair rail Surround sound in great room and loft. Washer dryer and refrigerator

4827 Raven Circle Happy Jack, AZ 86024

$599,950
3 Beds
2.5 Baths
2,760 SqFt
Status Active
MLS # 6674098
Property Type Single Family Residence
Price Type --
Beautiful log cabin located in Happy Jack, escape the heat and busyness of your life. This great home sits on an acre with pines, oaks and junipers, great 3/4 wrap covered composite deck. Main floor has beautiful hardwood floors, vaulted ceiling, great brick fireplace, master bedroom/bath, office/den or extra living area, great room and an amazing kitchen and dining area. Great wood plank stairs lead upstairs to 2 bedrooms, bath and a great cozy playroom for the kids. This custom home offers many upgrades on the kitchen cabinets, windows, wood beams and more. You will fall in love sitting inside looking at the great interior or sitting on the covered patio watching the wildlife and listening to the peacefulness of Happy Jack. Bring your buyers, motivated seller.

6708 E Juniper Avenue Scottsdale, AZ 85254

$599,950
2 Beds
2 Baths
1,428 SqFt
Status Active
MLS # 6720725
Property Type Single Family Residence
Price Type --
Great location! Newly remodeled home in desirable neighborhood , close to Kierland. Gas fireplace, new soaker tub ,walk-in shower, 2 car garage with new epoxy flooring Home is vacant, must see Key box Friday 6/21/2024

7027 N Scottsdale Road Unit 237 Paradise Valley, AZ 85253

$599,950
3 Beds
2 Baths
1,472 SqFt
Status Active
MLS # 6745409
Property Type Apartment
Price Type --
Location.. Location.. Location.! Situated in the Scottsdale Resort Corridor, this RARE 3-bedroom split floor plan, 2 bath, 2nd level, Gated Luxury Condo is all on one floor. Gently lived in as a second home it comes complete with your own secure detached 1 car Garage, Community Pool, Spa & Fitness Center. All high quality, newer furnishings are available on separate bill of sale. You can Move-Right-In as it's available Turn-Key if you desire! Located adjacent to the McCormick Ranch golf course you'll be walking distance to fine and casual dining at the Seville Shopping Center and merely minutes to the Heart of Scottsdale including the new Paradise Valley Ritz Carlton, Scottsdale Fashion Square, Old Town Scottsdale, Kierland, the Scottsdale Quarter, and Salt River Fields at Talking Stick. Other features and highlights include; Spacious 10-foot ceilings Granite kitchen counters Included full size washer and dryer laminate wood and tile flooring throughout HOA Fees cover - water, sewer, trash 2 of the three bedrooms offer Large Walk-in closets Controlled Gated Entry Grill Areas McCormick Ranch Walking and Bike Trail

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