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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11915 E Magma Road Florence, AZ 85132

$599,000

4 Beds

2 Baths

1,705 SqFt

Status Active

MLS # 6763508

Property Type Single Family Residence

Price Type --

Bring horses, RV, toys, & build your dream 1500 sq. ft. workshop on the 30' x 50' poured concrete pad! Huge 1.248-acre lot, No HOA, custom fencing, 3 car 800 sq. ft. open fully insulated garage with its OWN AC, wash sink, & 220V outlets. Completed in 2022 with 2x6 construction & modern design. Super bright kitchen featuring quartz, vaulted ceiling, and plenty of storage in the island & 42'' uppers. Elegant touches are prominent throughout the home with a barn door in primary, custom closet, modern lighting, & beautiful plank tile flooring. The home has been professionally sealed for efficiency & to keep out those pesky desert bugs. Front & back irrigation includes smart timer, valve box, & easily located expansion ends. Home warranty transfers through 7/25! 100% USDA financing eligible!

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19732 E Mayberry Road Queen Creek, AZ 85142

$599,000

4 Beds

2.5 Baths

2,501 SqFt

Status Active

MLS # 6763667

Property Type Single Family Residence

Price Type --

Stunning Energy-Efficient Home in Queen Creek!Welcome to this beautifully upgraded home offering both luxury and sustainability. 4 bed/ 2.5 baths with a separate office, split floor plan. Equipped with solar panels and two Tesla Powerwall battery systems, this home generates its own electricity, ensuring reliable power—even during outages.Recent upgrades include a brand new HVAC system, new water heater, new water softener, providing peace of mind and comfort. The remodeled master bathroom (2023) boasts modern finishes, making it a true retreat, while new carpeting in the bedrooms adds a touch of coziness and style.This home is perfect for those seeking energy efficiency, modern upgrades, and a stylish, move-in ready residence in the heart of Queen Creek. Don't miss out on this beauty!

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10684 S 297th Avenue Palo Verde, AZ 85343

$599,000

4 Beds

3.5 Baths

2,312 SqFt

Status Active

MLS # 6759238

Property Type Single Family Residence

Price Type --

Welcome to your dream home! This stunning semi-custom residence spans over 2,300 sqft and is nestled on a generous 1-acre lot, free from HOA restrictions. Inside, you'll find a beautifully designed split floor plan featuring 4 spacious bedrooms and 3.5 baths. Each room offers direct bathroom access with premium showers, ensuring comfort and convenience for everyone. The gourmet kitchen is a chef's delight, equipped with SS appliances and elegant finishes. Step outside to enjoy the charm and privacy provided by the farm-style fencing. We warmly invite all buyers and buyer's agents to tour this remarkable property. Experience unmatched elegance and comfort!

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4333 S Pony Rider Trail Gold Canyon, AZ 85118

$599,000

2 Beds

2 Baths

1,696 SqFt

Status Active

MLS # 6766967

Property Type Single Family Residence

Price Type --

RESORT Style Backyard with Huge Extended Covered Patio Backs to Natural Wash with Superstition MOUNTAIN Views! Enjoy the Large Lap pool & NEWER Hot Tub to Relax after a nice swim.. 2 Bdrm/2 Bath with Separate Office/Den...Kitchen has a huge Island & Breakfast Bar with Granite Counters, Copper Sink & Backsplash, Open to Great Room / Formal Dining...Large Master Suite with Bay Window, Updated Master & Guest Baths...Enjoy this Beautiful Gold Canyon East Community close to walking and hiking trails, with low HOA dues.

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2652 S Cottonwood Drive Tempe, AZ 85282

$599,000

3 Beds

2 Baths

1,560 SqFt

Status Active

MLS # 6767874

Property Type Single Family Residence

Price Type --

Minutes from ASU with NO HOA fees and STUNNING POOL! Welcome to this beautiful single-family home featuring 3 bedrooms 2 baths on a large lot. Amazing floorplan with architectural beams and over height ceilings. Remodelled kitchen features granite countertop, stainless steel appliances, Frigidaire gallery 25.5-cu ft Side-by-Side fridge, Frigidaire Gallery Smooth Surface 5-Element 5.4-cu ft Self-Cleaning Convection, Freestanding Electric Range, Frigidaire Gallery 1.7-cu ft Over-the-Range Microwave, Built-in Dishwasher. Durable and easy to clean tile flooring, exterior paint in 2021, new roof in 2022 & new AC in 2021. Update to Pex water line throughout the house. BACKYARD OASIS with covered patio, sparkling pool and tons of room to entertain or play with the whole family. Boasting a Double Car Garage and RV gate with cement pad. This home is centrally located near schools and freeways to be anywhere in a short distance.

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7680 N Coyote Springs Road Prescott Valley, AZ 86315

$599,000

2 Beds

2 Baths

1,356 SqFt

Status Active

MLS # 6765625

Property Type Single Family Residence

Price Type --

Ranch Home on 9.68 acres located in Coyote Springs. This horse property features a spilt floor plan, 2 bedroom, 2 bath home, additional room for office or hobbies, 2 car garage. Primary Bedroom Suite has two closets, faux marble top with sink and make up area. Property is fenced and cross fenced for your horses and farm animals. Barn and Covered Shelters for your horses and farm equipment. Enjoy the expansive views of the surrounding mountain ranges. Wide open space that offers privacy and tranquility yet conveniently located to all the amenities of Prescott Valley. Enjoy the outdoors and recreational activities with horseback riding from your home, ATV driving, hiking and more in the nearby Mingus Mountain range area. Perfect area for that balanced lifestyle of country living.

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1272 W Swan Court Chandler, AZ 85286

$599,000

4 Beds

3 Baths

2,053 SqFt

Status Active

MLS # 6765964

Property Type Single Family Residence

Price Type --

Great location! Nestled on a quiet cul-de-sac in Clemente Ranch, this well cared for home is close to Intel, parks, Chandler Mall, Wells Fargo, Price Corridor, golf, dining and freeways. Located in Chandler's A+ school district and within walking distance to Tarwater Elementary and Bogle Jr High it's the perfect location for your new home! Inside boasts a formal living/dining area plus a family room/eat-in kitchen space. One bedroom downstairs with the primary and 2 more bedrooms upstairs provides plenty of room for everyone! The backyard is large with a fenced pool, perfect for family get togethers or entertaining! This low maintenance home has a new AC, 2023, New water heater, 2024, New pool pump, 2023, New stove & microwave, 2022, New carpet, 2022 & New partial roof, 2020 Come see this one today and start your new adventure in the heart of Chandler

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3731 E Mitchell Drive Phoenix, AZ 85018

$599,000

3 Beds

2.5 Baths

1,635 SqFt

Status Active

MLS # 6768183

Property Type Townhouse

Price Type --

AMAZING OPPORTUNITY TO OWN THIS 3BD 2.5BA COMPLETELY REMODELED TOWN HOME IN THE HEART OF ARCADIA LITE! Private, gated community. All tile throughout on the main floor; great room, dining room & large kitchen w/pantry Stainless steel appliances & powder bathroom downstairs. Wood-like, laminate flooring up the stairs & throughout the 2ndfloor. Large primary suite w/private balcony, full primary bath w/separate tub. shower & walk-in closet. Two more bedrooms upstairs each w/walk-in closets & Jack-n-Jill bathroom set up. Ceiling fans in great room & all bedrooms. Laundry room conveniently located on the 2nd floor-washer and dryer included! Two-car attached garage, large rear private patio. Located at the end of the Culdesac street. YOU HAVE TO SEE TO THIS ONE TO BELIEVE IT! & PRICED TO SELL!

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2300 E Campbell Avenue Unit 129 Phoenix, AZ 85016

$599,000

2 Beds

2.5 Baths

1,462 SqFt

Status Active

MLS # 6771475

Property Type Apartment

Price Type --

Experience the perfect blend of style and convenience in this sophisticated 2-bedroom, 2.5-bathroom condo with huge RARE private outdoor patio in prime Biltmore area. Designed with modern elegance, the condo features a gourmet kitchen with top-of-the-line stainless steel appliances, ideal for entertaining. The open-concept living area flows onto a spacious inside/out living areas, perfect for relaxing or hosting friends. Enjoy two primary suites with private baths, hardwood floors, custom walk-in closets, and power shades. The building boasts exceptional amenities, including a heated pool, two-story gym, rooftop patio with Camelback Mountain views, dog wash area, secure bike storage, and a chic club room. Additional conveniences include a separate storage unit and electric car charger With 24-hour surveillance and secure entry, this home offers peace of mind for frequent travelers. Located just blocks from shopping, dining, Trader Joe's, Whole Foods, and the Biltmore, this condo is an ideal retreat for the on-the-go professional.

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2440 E Fairmount Avenue Phoenix, AZ 85016

$599,000

3 Beds

2 Baths

2,054 SqFt

Status Active

MLS # 6768328

Property Type Single Family Residence

Price Type --

Welcome to this unique home with tons of charm and character in the highly desirable area of Earl Heights. This urban oasis provides a perfect opportunity to enjoy lush vegetation, Koi Pond, custom rockwork and NO HOA. The large 450 sq. ft. studio space can be utilized for a workshop, office or easily converted into an income-generating guest house. Inside awaits an open concept kitchen, living and dining area. The original cement floor adds interest. The kitchen contains modern amenities that will make cooking and entertaining a joy. The large primary bedroom and en suite include a separate large, jetted tub, shower and large walk-in closet. French doors lead out to the serene backyard. Darling screened in front patio adds additional living space to the home. There is plenty of parking and storage. Come and view this gem of a property. It will not last long.

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1819 E Vinedo Lane Tempe, AZ 85284

$599,000

3 Beds

2.5 Baths

1,738 SqFt

Status Active

MLS # 6772736

Property Type Townhouse

Price Type --

*** All furnishings now CONVEY with sale*** Introducing this Perfectly Located Stunning FULLY FURNISHED South Tempe Home - Fully Renovated in 2023 with high quality on-trend finishes that truly make this house feel like a HOME. Step into luxury with porcelain plank tile, executive height bathroom vanities, eye-catching lighting with dimmers throughout, modern smooth interior wall/ceiling texture, Fantasy Zebra marble countertops, and a reconfigured floor plan for maximum functionality. In addition to the beautiful updates of the cosmetic features, there was no lack of attention of the foundational items of the home which include new HVAC ductwork, interior plumbing & electrical, water main replacement, added water softener/whole home water filtration system, tankless water heater, exterior paint & lastly a newer roof and AC unit.

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2301 E Binner Drive Chandler, AZ 85225

New

$599,000

4 Beds

2 Baths

2,049 SqFt

Status Active

MLS # 6774320

Property Type Single Family Residence

Price Type --

Absolutely gorgeous 4 bedroom home with a 3-car garage in Dobson Place! Highly upgraded carpet in the living room, and LVP floors everywhere else! 4th bedroom has a closet and double French doors--makes the perfect home office! Lovely island kitchen with oversized cabinets, pendant lighting, stainless appliances! EXTENDED 3-car garage with 220! Private, grassy backyard. Terrific neighborhood with large grass park nearby--great schools (BASIS is right down the street), shopping close by, near the 202! Hurry to this one!

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