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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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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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!

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18934 N 96th Lane Peoria, AZ 85382

$599,900

2 Beds

2.5 Baths

2,056 SqFt

Status Active

MLS # 6765093

Property Type Single Family Residence

Price Type --

This beautiful entrance into Westbrook Village, Lakeview Estates is sure to impress. Green grass, trees, ponds & fountains abound. Be one of the few single family homeowners who have this coveted view from their backyard! Relax and enjoy the oversized back patio and everything Westbrook Village has to offer. 2 golf courses, restaurants, rec centers and pools. Pickleball, Tennis, etc. Over 80+clubs offer something for everyone. This home has been updated or upgraded inside and out, including a new water heater w/circulating hot water, new RO and Soft Water Systems and a new roof! Over $100,000 in upgrades. See Document Tab for upgrades and improvements, too many to mention here. Professionally cleaned, just bring your toothbrush. Located near the 101, shopping, restaurants, & P83.

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17152 W Grant Street Goodyear, AZ 85338

$599,900

5 Beds

3 Baths

2,934 SqFt

Status Active

MLS # 6727655

Property Type Single Family Residence

Price Type --

Welcome to this stunning 5 bedroom, 3 bath, two-story home with energy-efficient solar, situated on a desirable N/S exposure lot in the welcoming community of Crestwood at Canyon Trails. Step inside to discover an inviting interior featuring a soothing neutral color palette and upgraded plank tile flooring throughout the main lower living areas. The welcoming formal dining room flows effortlessly into the gourmet kitchen, which offers stainless steel appliances, gorgeous granite countertops, a decorative tile backsplash, and a view window above the sink that floods the room with natural light. The desirable center island with a breakfast bar opens to the casual dining space and great room, where a cozy fireplace adds warmth and charm. From here, you have great access to the backyard oasis Step outside to the extended covered patio and admire the low-maintenance landscaping and ample space to entertain and dine alfresco, making it the perfect setting for gatherings with family and friends. This well-designed floor plan includes a guest bedroom downstairs, a private office with built-ins and a double door entry, and a guest bathroom, providing convenience and versatility. Upstairs, you'll find the primary bedroom featuring an ensuite full bathroom with dual sinks, a walk-in shower, separate soaking tub, private toilet, and a large walk-in closet. A spacious loft with distant views, a full guest bathroom, and three additional bedrooms complete the upper level, ensuring comfort and privacy for all residents. Don't miss this incredible opportunity to own a beautiful home in Crestwood at Canyon Trails!

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7850 Titan Drive Flagstaff, AZ 86004

$599,900

3 Beds

2 Baths

2,649 SqFt

Status Active Under Contract

MLS # 6709285

Property Type Single Family Residence

Price Type --

HUGE Price Improvement Seller wants this home SOLD! SINGLE-LEVEL home nestled on spacious acreage! Situated in serene Doney Park on 2.5 Nicely Treed Acres. This home offers plenty of space inside and out at 2649 S.F. with 3 Bedrooms and 2 Baths, great room with stone surround fireplace, and an extra family room and bedroom in the converted garage. The owners have planted so many trees that offer plenty of shade while enjoying the outdoors. The garage conversion was permitted and completed in 2007 but does need some TLC including needing new flooring in most of the home. This home has panoramic views of the Peaks, Mount Elden, and Surrounding Hills. The property has a wonderful Chicken Coop and a large10.58 S.F. X 19.55 S.F. shed. Close, easy access to the forest and hiking trails!

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570 S Mountain Pines Avenue Show Low, AZ 85901

$599,900

3 Beds

2 Baths

2,019 SqFt

Status Active Under Contract

MLS # 6750195

Property Type Single Family Residence

Price Type --

Welcome to your dream home, a stunning modern industrial farmhouse nestled in the heart of town. Built with meticulous attention to detail, this home is turn-key ready, partially furnished, and brimming with high-end features. As you step inside, you'll be greeted by an open-concept living space where modern design meets rustic charm. A blend of wood & metal finishes create a chic yet cozy atmosphere. Natural light pours in through large windows, highlighting the beautiful details throughout the home. This exceptional 3-bed, 2-bath residence offers a kitchen featuring sleek black stainless steel appliances, granite countertops, and custom cabinetry with under-cabinet lighting that adds a touch of elegance. This home boasts not one, but two luxurious primary bathrooms, each exquisitely designed with high-end finishes and under cabinet lighting. Dual vanities in both, a custom walk-in shower in one and a soaking tub and shower in the other that provides a spa-like experience right at home. The spacious 2-car garage offers ample room for your vehicles and storage needs, with easy access to the house for added convenience. Outside, you'll find an oversized wrap-around deck featuring low maintenance TREX decking. Covered for year-round enjoyment, this space is ideal for barbecues and outdoor dining. Additional features include energy-efficient windows, 8 foot doors, a central heating and cooling system, vaulted and 10 foot high ceilings with recessed lighting, custom window treatments, and Pergo floors in all the right places. Situated in a prime in-town location, this home offers the best of both worlds, a peaceful retreat with the convenience of nearby shops, restaurants, and schools. Commuting is easy with quick access to major roads. Don't miss the opportunity to make this stunning home yours. Experience the perfect combination of modern luxury and rustic charm in a prime location.

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3457 Awatobi Ovi -- Flagstaff, AZ 86005

$599,900

4 Beds

3 Baths

2,160 SqFt

Status Active Under Contract

MLS # 6733264

Property Type Single Family Residence

Price Type --

EXCELLENT PRICE seller wants this house SOLD! Escape to the serene beauty of Kachina Village with this charming 4-bedroom, 3-bathroom home that sits on nearly a 1/3 acre heavily treed lot. Nestled among the tall pines, this cozy retreat is a perfect blend of rustic charm and modern comfort. Step inside to discover a warm and inviting living space, complete with a wood stove. The kitchen features plenty of cabinetry and beautiful granite countertops. With 4 Bedrooms and 3 Bathrooms this home is perfect for accommodating family and guests. The heavily treed yard is a tranquil oasis offering a peaceful escape from the hustle and bustle of city life. Embrace the serenity of country living while still being just a short drive from local amenities and services. Reside here & enjoy Northern Arizona at its best!

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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.

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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.

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2234 E Donald Drive Phoenix, AZ 85024

$599,900

3 Beds

2 Baths

1,675 SqFt

Status Active Under Contract

MLS # 6771942

Property Type Single Family Residence

Price Type --

Beautifully upgraded 3-bedroom, 2-bath home in the desirable Redhawk community. This home offers an expansive open floor plan perfect for family and guests. Enjoy luxurious features like upgraded tile flooring, granite countertops, and new AC units (installed in 2022). Relax in the cozy family room by the fireplace, which opens to the kitchen featuring stainless steel appliances. The open backyard features a sparkling pool with upgraded landscape lighting, making it an entertainer's dream. The home also boasts low-maintenance artificial turf in all the right places. With a double-car garage and an expanded paved driveway, there's plenty of parking. Don't miss this opportunity to call this stunning home your own!

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1847 Morningstar Court Forest Lakes, AZ 85931

$599,900

2 Beds

2 Baths

1,307 SqFt

Status Active Under Contract

MLS # 6774612

Property Type Single Family Residence

Price Type --

Nestled in Arizona's breathtaking Mogollon Rim Country, this beautifully renovated cabin offers the perfect blend of rustic charm and modern comforts. The newly remodeled kitchen features custom cabinets, stunning live edge log slab countertops, and upgraded appliances, including a 5-burner Kitchenaide gas range with double ovens, convection, dishwasher, and refrigerator. Throughout the home, you'll find rich wood details like plank wall coverings, hardwood floors, wood ceilings and beams, and recessed lighting that create a cozy, natural atmosphere. Step outside to your own private oasis—a massive covered front deck where you can unwind to the sounds of the forest and enjoy the fresh mountain air. The cabin is tucked away at the end of a quiet cul-de-sac, surrounded by majestic ... ...Quaking Aspens, spruce, and towering pines, providing the ultimate retreat from the busy city life. There's a one car garage attached to keep your mountain toys. Located in Forest Lakes, an island in the heart of the Sitgreaves National Forest, this property is steps away from endless outdoor adventures. Known for the world's largest stand of Ponderosa Pines and a perfect four-season climate, Forest Lakes is a mountain paradise just a two-hour scenic drive from Phoenix. It's the ideal escape for those seeking cooler temperatures and a serene getaway. Don't miss this rare opportunity to own a piece of paradise in one of Arizona's most sought-after cabin communities.

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540 Atchison Lane Wickenburg, AZ 85390

$599,900

3 Beds

2 Baths

1,780 SqFt

Status Active

MLS # 6756245

Property Type Single Family Residence

Price Type --

What a gorgeous, light filled, beautifully remodeled home in much desired Mariposa Heights. 2021 Shasta lap pool, fantastic! The kitchen has a soft muted granite, beautiful LG smokey gray appliances, wonderful cabinetry throughout. The flooring is a dream in this home w/ wood look tile planks in all the right places & soft neutral carpet in bedrooms. Primary BD is spacious with slider to the covered patio, large walk-in closet, & fully upgraded bathroom. Guest BA custom vanity & re-glazed large garden tub/shower. Bright Great RM w/ fireplace, perfect for entertaining! Inside laundry rm with storage. Garage is extra deep for large vehicles too! Metal RV/5th wheel cover added. Shasta custom pool was completed in 2021 and you will love it! Fully fenced backyard & Solar too! Current seller has added the metal covered RV/5th wheel cover. Garage has one extra deep bay to accommodate a long bed truck. Plenty of room for 2 cars + work area. Backyard also features faux boulders for landscape appeal outside the back west facing fence. Solar lease terms and condition along with SPDS are in the document section of the listing.

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