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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5114 E Dover Street Mesa, AZ 85205

$599,900
4 Beds
3 Baths
2,364 SqFt
Status Active Under Contract
MLS # 6736033
Property Type Single Family Residence
Price Type --
WOW! Gorgeous remodeled home in quiet Northeast Mesa neighborhood with NO HOA and with all the upgrades you want! A/C new in 2022, roof new in 2020, and all 3 bathrooms and the kitchen beautifully remodeled. Popular floorplan with 4 bedrooms and 3 baths, included a bedroom and bath downstairs, and soaring vaulted ceilings. Resort-style backyard with a stunning fiberglass-coated salt diving pool, huge covered patio and AZ Room, and two storage sheds. Upgrades include a 3 car garage, gas fireplace, stainless steel appliances, granite countertops, upgraded closet hardware, refrigerator new in 2024, upstairs carpet new in 2022, upgraded attic insulation, brand-new interior and exterior paint, and lots more! This is the home you've been waiting for!

7718 W Raymond Street Phoenix, AZ 85043

$599,900
3 Beds
2.5 Baths
2,390 SqFt
Status Active Under Contract
MLS # 6737196
Property Type Single Family Residence
Price Type --
Discover unparalleled luxury and privacy in this exceptional corner lot home! Upon entering, you'll be greeted by spacious living areas that offer an ideal setting for both relaxation and entertainment. The well-appointed kitchen is a chef's dream, equipped with top-tier appliances, ample counter space, and stylish cabinetry. Work from home in the dedicated office space, ensuring productivity and convenience. Your security and peace of mind are prioritized with an owned security system! The outdoor oasis continues with a covered patio, a resort-style pool with a 7 1/2-foot depth, a captivating grotto, and a soothing heated spa. For your vehicles and storage needs, the property includes an RV garage with a length of 39.5' and a 2-car tandem garage, offering ample space and versatility RV garage is 39.5' long.

2783 E Tulsa Street Chandler, AZ 85225

$599,900
3 Beds
2 Baths
1,913 SqFt
Status Active
MLS # 6737708
Property Type Single Family Residence
Price Type --
PRICE IS MORE THAN $20,000 UNDER RECENT APPRAISAL!! Tour this gorgeous, RECENTLY RENOVATED, SINGLE STORY Chandler home today! Nestled directly between Downtown Gilbert & Downtown Chandler (less than 10 minutes to each), you'll be surrounded by endless dining & shopping options, plus almost-daily local events & activities~ This home was remodeled with entertainment in mind, boasting a thoughtfully designed layout w/a TRUE SPLIT FLOOR PLAN, featuring 3 BEDROOMS, including a LARGE PRIMARY SUITE w/a direct access to the backyard, an UPDATED ENSUITE BATHROOM & SPACIOUS PRIMARY CLOSET~ 2 large guest bedrooms complete the home, w/one showcasing a CUSTOM SHIPLAP WALL & the other featuring added BOOKSHELF STORAGE~ The home offers 2 FULLY UPDATED BATHROOMS, including a RENOVATED MASTER BATHROOM with a CUSTOM GLASS SHOWER with RAINFALL SHOWER HEAD, and a FREESTANDING TUB~The UPDATED KITCHEN features a SOLID STONE ISLAND that opens to the living space, HIGH-END APPLIANCES like a 5-BURNER KITCHENAID OVEN and a MONOGRAM MINI DRINK FRIDGE, plus a BREAKFAST NOOK with shutters overlooking the beautifully landscaped backyard~ Open the SLIDING GLASS DOORS from your living room, and an entertainer's LUXURY BACKYARD awaits, with a partially covered patio equipped with an OUTDOOR HEATER for all-season enjoyment~ Invite your friends over for backyard movie nights with an OUTDOOR MOVIE SCREEN and PROJECTOR. Backyard also features over 800 SQ FT OF PAVER PATIO AND WALKWAYS with lighting, over 350 SQ FT OF ARTIFICIAL TURF, IRRIGATED GARDEN BEDS, MATURE TREES, and NATIVE PLANTS, with NO NEIGHBORS BEHIND for added PRIVACY~ Additional highlights of the home include CEILING FANS in all rooms, an open layout with unobstructed views from the kitchen to the living and dining areas (or flex space), DUAL-PANE WINDOWS with CUSTOM SHUTTERS opening to the backyard, front yard, and side yards~ The home boasts HIGH-END PORCELAIN WIDE-PLANK WOOD FLOORS, along with a NEMA 14-50 plug for EV CHARGING in the garage, a TANKLESS WATER HEATER, AUTOMATIC GARAGE DOOR OPENERS, a WATER SOFTENER, and a freshly REPAINTED EXTERIOR in 2024 (5-YEAR WARRANTY)~ Further improvements in 2024 include home being COMPLETELY REWIRED to be brought up to current safety standards, AIR DUCT CLEANING, and installation of an AIR PURIFIER and SCRUBBER for optimal indoor air quality~ The neighborhood is surrounded by FOUR LARGE PARKS and green spaces, with a playground right across the street~ Conveniently located less than a mile from Fry's Food & Drug, you're also just minutes from Trader Joe's, Target, Whole Foods, Sprouts, and other popular grocery options~ SAN TAN VILLAGE MALL is approximately a 7-minute drive~ Part of the CHANDLER SCHOOL DISTRICT, this home is only two blocks from CHANDLER TRADITIONAL ACADEMY - LIBERTY CAMPUS, with easy access to Gilbert, AZ, across the intersection~ This exceptional property offers an unbeatable location, thoughtful upgrades, and a welcoming atmosphere!

769 W Citrus Way Chandler, AZ 85248

$599,900
3 Beds
2 Baths
1,979 SqFt
Status Active
MLS # 6738698
Property Type Single Family Residence
Price Type --
This fabulous residence nestled in the Fox Crossing Community is the one you've been looking for! Make yourself at home in the inviting interior showcasing a designer color palette, neutral tile flooring, and soft carpet in all the right places. The well-appointed kitchen boasts wood cabinetry adorned with crown moulding, sleek granite counters, matching built-in appliances, pendant lighting, a stylish mosaic backsplash, and a center island equipped with a breakfast bar. The serene main bedroom features private outdoor access, an immaculate ensuite with dual sinks, separate tub/shower, and a walk-in closet. Spend relaxing afternoons along with your loved ones in the charming backyard, offering a covered patio and an easy-care landscape! Don't let this home slip by!

10232 E Posada Avenue Mesa, AZ 85212

$599,900
4 Beds
2 Baths
2,293 SqFt
Status Active Under Contract
MLS # 6738831
Property Type Single Family Residence
Price Type --
Situated on an Interior N/S Lot Featuring 3 Bedrooms + Den Split Floor Plan with 10Ft Ceilings, Lots of Tile & Wood flooring, Accent Paint, Surround Sound with In-Ceiling Speakers, the Beautiful Kitchen Features an Island/Breakfast Bar, Granite Slab Counters w/Tumbled Travertine Backsplash, 42'' Maple Cabinets w/Hardware & Pull Out Shelves, and Stainless-Steel Appliances, Soft Water & R/O Systems, Additional Cabinets in Laundry Room, Bay Window and Separate Exit to Patio from Spacious Owners Suite, Tile Shower Surround in Owners' Bath, Large Secondary Bedrooms w/Walk-In Closets, The Backyard Features a Large Covered Patio w/Speakers, Stamped Concrete, a Pebble-Tec Pool w/Rock Waterfall and Storage Sheds. Garage Cabinets and Service Door in 3 Car Garage. New Roof in 2021 & New AC's 2017.

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.

3182 E Pineapple Road San Tan Valley, AZ 85143

$599,900
4 Beds
3.5 Baths
3,265 SqFt
Status Active Under Contract
MLS # 6739150
Property Type Single Family Residence
Price Type --
Don't miss the opportunity to make this better than new home yours! It shows just like a model home, with a transferable warranty, on plumbing, electrical, frame, and 9 year foundation warranty. This home was built in 2023, offers over $100k in upgrades, like a private pool and finished backyard. Boasting over 3200 square feet, 4 bedrooms, 3.5 bathrooms, a flex space, loft and separate den, this amazing home offers ample space for all your needs. Save yourself the time, money and headaches. The 3 car garage plus tandem garage ensures plenty of room for cars, toys or more storage. Don't miss out on this move in ready gem with a private pool. Come see for yourself how much space and all the upgrades this home has to offer!

24422 N 162nd Lane Surprise, AZ 85387

$599,900
5 Beds
3 Baths
2,395 SqFt
Status Active
MLS # 6743920
Property Type Single Family Residence
Price Type --
ANOTHER Huge Price Correction!! Very motivated seller!! New home ready for immediate occupancy! This single level 2395 SF single level 5 BR, 3 full bath home is located on an oversize 9,372 S.F. home site. Exciting included features upgraded cabinets w/42'' uppers, upgraded Quartz Kitchen tops, tile Kitchen backsplash, plank tile on the floors, 10' ceilings, 8' interior doors, 3.5 front load garage, with 8' drive (RV) side gate, gourmet kitchen, garage service door, tank less water heater, front yard landscape credit, and so much more. Neighborhood also includes, tree lined streets, Certified Energy Star and Indoor Air Plus for more energy savings. More... 5 Star Resort Style Amenities include, hiking trails, Aquatic Center, 8 select parks, Picnic Ramada's, Basketball, 3 Pickle Ball courts, bocce ball courts, 18 hole disc golf course, and a Zip Line for the kiddos! This home is Energy Star and Indoor Air Plus qualified. Includes full Builder Warranties plus so much More..

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!

1645 W Willetta Street Phoenix, AZ 85007

$599,900
3 Beds
2.5 Baths
1,550 SqFt
Status Active
MLS # 6747093
Property Type Single Family Residence
Price Type --
Nestled in the heart of the Phoenix Historic District, this enchanting 3-bedroom, 2.5-bathroom home combines timeless charm with modern elegance in a picturesque setting. From the inviting front porch to the remodeled interior, every detail exudes warmth and sophistication. Step inside to discover an airy and bright living space enhanced by a cozy fireplace and seamless flow from the kitchen and dining area into the great room. The primary bedroom, a serene retreat, features a walk-in closet and private access to a tranquil backyard. With ample storage and community perks including proximity to public transportation, this home offers a perfect blend of historic allure and contemporary comfort.

4430 S Hassett Circle Mesa, AZ 85212

$599,900
4 Beds
2 Baths
2,032 SqFt
Status Active Under Contract
MLS # 6748046
Property Type Single Family Residence
Price Type --
Absolutely stunning home that has been meticulously cared for and loved! This home shows light and bright, with a fresh new coat of paint throughout interior. The exterior was repainted within last few years as well. This floor plan has many flex options, with up to five bedrooms possible. There are currently 3 bedrooms. The 4th (with full closet) is opened up, currently used an office/flex space, which would be easy to frame to builder 4th bedroom option. Entry is extremely open and has a formal living room, easy to add a barn door for office, or additional room. Stunning floor update throughout Master, office, and family room. The kitchen is an entertainer's delight as it is open to the family room and dining area with an XL island for those fun, social gatherings. Nice (See More) Stainless steel appliance package and large pantry! Upgraded exterior elevation with stone siding and front patio, which you could easily add pavers for seating area. Garage has extra overhead storage, which conveys, and is pre-plumbed for soft water loop. New sunscreens, New RV gate, opens to spacious side yard with extra gate added for dog run, recent $2500 upgrade. The backyard is enormous and truly an entertainer's delight, with pavers throughout, showcasing the stunning pool and spa! AC, Pool/ spa just inspected, with clean bill of health, and new pool filter pump in 2022. Too many upgrades to list a must see! Hurry this one will not last!

8832 E Cholla Street Scottsdale, AZ 85260

$599,900
3 Beds
2 Baths
1,227 SqFt
Status Active
MLS # 6748717
Property Type Single Family Residence
Price Type --
Discover this beautifully updated Scottsdale home featuring a fresh exterior and interior paint that enhances its modern charm. This 3-bedroom, 2-bath residence boasts brand-new cabinets in both the kitchen and bathrooms, complemented by sleek quartz countertops in the kitchen. Enjoy the stylish new flooring and plush new carpet throughout. The contemporary design is further elevated with top-of-the-line stainless steel appliances, making this home a perfect blend of elegance and functionality.

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