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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25031 S Desert Flower Court Sun Lakes, AZ 85248

Open House

$599,900

2 Beds

2 Baths

1,883 SqFt

Status Active

MLS # 6750998

Property Type Single Family Residence

Price Type --

LOVELY residence in the private, GATED COMMUNITY of Oakwood. FIRST IMPRESSEIONS wrought iron front door greets you as you step into this REMODELED beauty! Gorgeous high-end STONECREEK, soft close, DOVETAIL kitchen cabinets w/GLASS doors, STUNNING QUARTZ countertops, sleek SUBWAY TILE backsplash & PORCELAIN APRON FARM sink. Tons of NATURAL light & PLANTATION SHUTTERS, neutral paint, spacious primary bdrm, lovely walk-in shower w/PEBBLE STONE accents & CUSTOM vanity cabinets. Hall bath also tastefully UPDATED! Huge laundry rm w/tons of storage & countertops. Private backyard w/LUSH landscape & real grass! PAVERED walkway & driveway. NEWER HVAC 2018, newer EXTERIOR paint 2022, newer water heater & patio ROOF 2023. This 40 & over ACTIVE ADULT community has tons of AMENITIES,clubs, events!

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10633 S 44th Street Phoenix, AZ 85044

$599,800

4 Beds

2 Baths

1,849 SqFt

Status Active

MLS # 6738373

Property Type Single Family Residence

Price Type --

Welcome to your dream home in the highly desirable neighborhood of Ahwatukee. This stunning, modernized residence offers a spacious great room floor plan, perfect for both entertaining and comfortable living. With numerous recent upgrades, this home is move-in ready and boasts high-end finishes throughout. Step inside to find luxurious vinyl tile flooring that is not only stylish but also waterproof and scratch-proof, providing worry-free living for families and pet owners alike. The expanded and remodeled kitchen is a chef's delight, featuring custom white cabinetry, sparkling black quartz countertops, and top-of-the-line stainless steel appliances. Enjoy the abundance of natural light that fills the home, thanks to gorgeous Anderson High Performance windows and a sleek sliding glass

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7822 E Spanish Oaks Drive Scottsdale, AZ 85258

$599,750

2 Beds

2 Baths

1,487 SqFt

Status Active Under Contract

MLS # 6774294

Property Type Townhouse

Price Type --

Charming Ground-Level Townhouse in Spanish Oaks Discover this inviting 2-bedroom, 1.75-bathroom townhouse nestled within the prestigious guard-gated community of Spanish Oaks. This home features a spacious master bedroom complete with a newer walk-in shower and direct access to the serene back patio. The second bedroom is versatile, ideal for use as a cozy office or guest space. Enjoy meals in the formal dining room or the eat-in kitchen, both offering a warm, welcoming atmosphere. The living room boasts a wood-burning fireplace, perfect for relaxing evenings. Step outside to the expansive tiled patio, where you can unwind under the shade of a mature grapefruit tree, overlooking a beautifully maintained grassy common area. Existing patio furniture is included. This property combines comfort and style in a tranquil setting, making it the perfect place to be your home, or your second home.

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2319 E Earll Drive Phoenix, AZ 85016

$599,713

3 Beds

2 Baths

1,416 SqFt

Status Active

MLS # 6747987

Property Type Single Family Residence

Price Type --

Welcome to this freshly updated 3-bedroom, 2-bathroom gem close to all of the action of Arcadia and Central Phoenix! Boasting a modern, neutral aesthetic with designer touches throughout, it offers comfort and style at every turn. Enjoy outdoor living with covered patios in the front and back, a charming porch swing, and a generously sized backyard complete with a pool and firepit—perfect for entertaining. Additional features include a storage room off the 1-car carport. Conveniently located near freeways, restaurants, and shopping, Enjoy the freedom and flexibility of homeownership with no HOA restrictions.

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8550 E Naranja Avenue Mesa, AZ 85209

$599,700

4 Beds

3.5 Baths

3,102 SqFt

Status Active

MLS # 6659310

Property Type Single Family Residence

Price Type --

Beautiful turn-key residence situated in Tavera Vista is the one you've been waiting for! Prepare to be impressed by a spacious open layout showcasing neutral tile floor, designer palette, recessed lighting, & sliding glass doors merging the indoor w/the outdoor living. The remarkable chef's kitchen offers espresso cabinets adorned w/crown moulding, SS appliances, a walk-in pantry, speckled granite counters, subway tile backsplash, a wall oven, & an island w/a breakfast bar. Discover endless possibilities in the charming loft! The primary bedroom boasts soft carpet throughout, a private bathroom w/dual vanities, & a walk-in closet. The perfect spot for intimate get-togethers awaits in the quaint backyard featuring a cozy covered patio & manicured landscape! Don't let this home slip by!

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23013 E Domingo Road Queen Creek, AZ 85142

$599,700

4 Beds

3.5 Baths

2,438 SqFt

Status Active

MLS # 6751518

Property Type Single Family Residence

Price Type --

Welcome to your dream home!This beautiful 2022-built is a corner lot with convenient access to the 24 Freeway and nearby shopping.The home offers 4 bedrooms,loft,flex room and 3.5 luxurious bathrooms.There is wood look tile flooring throughout the downstairs living areas.The kitchen offers recessed lighting, granite countertops and 42'' cabinetry.The master suite features a large walk-in shower, two walk in closets and executive height vanity with double sink.Additionally,there is a downstairs suite with full bath and walk-in closet.Solar panels, demand manager and sealed HVAC ducts ensure energy efficiency throughout the Arizona summers.With its contemporary design and thoughtful layout.A covered patio with expanded pavers leads out to turfed Back yd citrus trees built in garden beds

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2547 E Corrine Drive Phoenix, AZ 85032

$599,600

4 Beds

2 Baths

1,700 SqFt

Status Active

MLS # 6765202

Property Type Single Family Residence

Price Type --

This is not the layout you're expecting! Floorplan has been opened up and feels like a modern great room layout inside mixed with the charm and uniqueness of a non HOA neighborhood close to the 51, mountain preserve and more. The remodel was done in 2020 with new flooring and layout changes. Kitchen boasts Stainless steel appliances, recessed lighting, granite countertops 4 bedrooms give you options for either a guest room or office. Out back there is a covered patio, relaxing pool, real grass, and the RV gate access via the side of the lot. The 2 car garage and paver slab parking add to the appeal if you have lots of cars or other toys. 30 amp car charger/RV plug for charging EV's. Located close to the 51, phoenix mountain preserve, and minutes from shopping and nightlife.

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20637 W Rancho Drive Buckeye, AZ 85396

$599,590

2 Beds

2 Baths

1,528 SqFt

Status Active

MLS # 6753670

Property Type Single Family Residence

Price Type --

Ready for move in by end of year!! Experience the epitome of Mountainside living with our Turnberry design. A welcoming open courtyard offers stunning views of the White Tank Mountains and year-round sunsets. Welcome to your new oasis! This 1,528 sq. ft. single-story stunner features 2 bedrooms and 2 bathrooms of pure luxury. Experience top-tier comfort with spray foam insulation, while recessed LED lighting casts a modern glow throughout. The impressive 12' sliding glass wall effortlessly merges indoor and outdoor living, and 8' doors paired with 10' ceilings create an open, airy atmosphere. Complete with a paver driveway and walkway, this home combines sleek design with sophisticated functionality. Your perfect blend of elegance and practicality awaits!

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807 Co Rd 3144 -- Vernon, AZ 85940

$599,500

3 Beds

2 Baths

2,300 SqFt

Status Active

MLS # 6699527

Property Type Single Family Residence

Price Type --

This beautiful horse property offers breathtaking views and a range of amenities for horse enthusiasts. This property is less than a mile off the main hwy with paved access all the way. The property includes a well-maintained barn with two horse stalls, a tack room, storage room and an arena for training and riding. The spacious two-acre parcel is fully fenced and crossed fenced, providing a safe and secure environment for the horses and any other pets. Access to the property is through a gated entrance with a charming, treed circle driveway. The main residence is a spacious three-bedroom, two-bathroom home, featuring a wood burning stove, and a large master suite with two additional rooms off the master that can be used as a nursery, home gym, or office. The home boasts a large dining room and a back covered porch, both of which offer stunning views of the surrounding landscape. Whether you are a horse enthusiast or simply appreciate the beauty of nature, this property is sure to impress. Schedule your showing today.

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5265 S Dante Road Mesa, AZ 85212

$599,500

3 Beds

2 Baths

2,020 SqFt

Status Active

MLS # 6766105

Property Type Single Family Residence

Price Type --

Don't miss this upgraded 3-bedroom, 2-bathroom home with a den/office in the desirable Bella Villa neighborhood of East Mesa. Situated on a secluded lot with mountain views and only one neighbor, this home is move-in ready! The exterior features a custom brick paver walkway, beautiful landscaping, and a private backyard oasis. Inside, the open floor plan offers high ceilings, tile floors, new carpet in the bedrooms & ample natural light. The kitchen is a chef's dream with rich mahogany cabinets, granite countertops, a breakfast island, RO water system, walk-in pantry, and stainless-steel appliances. Great room is perfect for entertaining, w/built-in theater wall, pre-wired surround sound, recessed lighting, and plantation shutters. Low rate VA assumable loan available to non veterans The master suite includes a bay window, walk-in closet, and private bath. The backyard is a retreat with an extended paver patio, solar-lit walkway, lush grass, and stunning mountain views. Bella Villa offers walking trails, playgrounds, and a dog park. Come experience the perfect blend of modern living and natural beautythis home won't last long!

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1110 E Phoenix Street Payson, AZ 85541

$599,500

4 Beds

3 Baths

2,044 SqFt

Status Active

MLS # 6711716

Property Type Single Family Residence

Price Type --

Beautiful one of a kind custom built 4 bedroom home in the highly desirable Rim View Heights Estates. Perfect for full time living or for a family getaway - there is plenty of room for everyone! It has a Great Room concept with vaulted ceilings, there is a family room as well as a formal living room. One bathroom has a walk in tub with jacuzzi jets. The home boasts 2 en-suite bedrooms with bathrooms. There is a large deck and patio to sit and enjoy the cool mountain evenings. Tall pine trees on the lot and wonderful views. Come see the brand new flooring throughout the entire house! The roof is only 5 years old. This is a lot of house for the money!

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156 E Leverenz Avenue San Tan Valley, AZ 85140

$599,500

2 Beds

2 Baths

1,770 SqFt

Status Active

MLS # 6734411

Property Type Single Family Residence

Price Type --

This two-bedroom, two-bath home, plus DEN, offers everything you could want in a gated community. The community provides incredible amenities, including TWO resort clubs, pools, restaurants, golfing, and a variety of activities, athletics, and classes. The kitchen boasts ample space with granite countertops, perfect for cooking and entertaining. Adjacent to the kitchen, the utility room includes a washer and dryer, with additional space that can be used as a workroom or for extra storage. The garage also features built-in cabinets for even more storage options. The large, covered patio provides plenty of space to relax or barbecue while enjoying beautiful Arizona sunsets. Experience comfort and convenience in this wonderful home and the vibrant community. *One year warranty included.

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