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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Sort by: Select Price, Low to High Price, High to Low Newer Listings First Older Listings First Open House Date

10556 S 297th Avenue Palo Verde, AZ 85343

$599,000

4 Beds

3.5 Baths

2,312 SqFt

Status Active

MLS # 6666831

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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2118 E Voltaire Avenue Phoenix, AZ 85032

Open House

$599,000

3 Beds

2.5 Baths

1,754 SqFt

Status Active

MLS # 6772448

Property Type Townhouse

Price Type --

The Agave - A rare combination of Space, Style, Quality, and Value where Design Matters. Be inspired by the warm tones and natural textures of the desert where the Sagebrush and Adobe interior color schemes boldly echo the beauty of The Agave. Modern, Flat-Panel Kitchen Cabinetry in Matte color-ways, Solid-surface, Spa-Inspired Flat-Panel vanity cabinets in natural-wood tone finishes in Bathrooms. Standard LVT flooring installed in the entire home, Quartz Countertops and Tile shower surrounds. Standard Accent painted interior doors and jambs for a bold, effortless design touch. Ceiling fans included as well as EV prewire. The Wren showcases a generous backyard and second floor deck to bring the outside in.

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23851 W Tether Trail Surprise, AZ 85387

Open House

$599,000

4 Beds

3 Baths

2,432 SqFt

Status Active

MLS # 6741026

Property Type Manufactured Home

Price Type --

Over 4 Acres of Horse Property with NO HOA. This beautiful home features a spacious floor plan with 4 bedrooms + den, 3 baths, (jack n jill bed/bath), front room, living room (with built in mini bar), dining room, & large kitchen with a sky light, lots of cabinets and an island. The master bath has separate shower and jetted soaking garden tub and double sinks. The den has a dual entrance to front room and the master bedroom (great for a private office or workout room) Also a detached 3 car garage and RV gate. Bring your horses, toys & RV's. 3 sheds out back by the covered horse stalls that are staying with the property. Enjoy country living and amazing views. This sale consists of 2 lots each is aprx 2 acres. Each lot has a share in the shared well. Don't miss out on this one.

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4068 Apache Drive Happy Jack, AZ 86024

$599,000

3 Beds

2 Baths

1,776 SqFt

Status Active

MLS # 6690523

Property Type Single Family Residence

Price Type --

Horse lovers this is the property for you. Home has been set up with horse corral, lean too, tack shed and dog or goat area. This is a beautiful piece of property with great trees, shade and peace and quiet. Great 3 bedroom/2 bath with detached 2 car garage as well as a new Tuff shed for tack shed or storage building. Comes complete with MOST furniture/furnishings ask LA for details, Pack your food and clothes and head to Heaven in the mountains. Sit on your deck and enjoy the peace or hop on your horse or in the side by side and head to the forest for a ride. Great room has a gas fireplace as well as a wood stove so never go without heat,. Home has new roof, and new mini splits air/heat. Move in ready. If buyer does not have horses seller will remove corral fencing. Bring your buyers to check it out.

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1130 N 2nd Street Unit 103 Phoenix, AZ 85004

$599,000

2 Beds

2.5 Baths

1,378 SqFt

Status Active

MLS # 6762880

Property Type Townhouse

Price Type --

Experience modern urban living at its finest in this stylish 2 bed/2.5 bath condo nestled in the heart of downtown Phoenix. Step inside to discover a seamless and inviting floor plan that effortlessly blends living, dining, and kitchen spaces. The great room boasts 2 garage-door windows, blurring the line between indoors and outdoors, creating the perfect setting for entertaining. Neutral tones, soaring ceilings, wood slat wall feature and upgraded recessed lighting enhance the contemporary ambiance. The immaculate kitchen exudes an industrial chic vibe, featuring white cabinets, sleek built-in appliances, quartz counters, and a waterfall center island with a breakfast bar. Two main bedrooms offer serene retreats with walk-in closets, upstairs laundry and private bathrooms. picturesque views from both bedrooms, while the ground floor gated patio offers a tranquil space overlooking Margaret T. Hance Park. This unit also presents a unique opportunity for business or residential use, adding to its versatility. Located amidst the vibrant downtown scene, you'll relish easy access to a plethora of dining, shopping, and entertainment options, all just moments from your doorstep. All Furniture available for purchase. 1 Covered Parking space included in gated garage. 3 month minimum for rentals.

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915 E Cobble Stone Drive Queen Creek, AZ 85140

$599,000

3 Beds

3 Baths

2,186 SqFt

Status Active

MLS # 6716595

Property Type Townhouse

Price Type --

Start enjoying Encanterra today! This spacious resort home is situated on a premium homesite overlooking a walking trail and stunning mountain views. This home offers a bright and open floorplan with 3 bedrooms, 3 bath, den and spacious loft. Step inside and you'll find upgraded tile plank flooring. The kitchen has beautiful maple cabinets and gorgeous quartz countertops and custom backsplash. All the bathrooms are upgraded with tile surrounds and upgraded fixtures. The garage is spotless with an epoxy finish, R/O and soft water system. The home is situated on a premium homesite and steps away from La Casa as well as the new Algarve, adult pool and restaurant. The Resort collection at Encanterra is perfect for the seasonal resident or year-round homeowner!

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4380 W Eagle Street Show Low, AZ 85901

$599,000

3 Beds

2 Baths

1,632 SqFt

Status Active

MLS # 6730924

Property Type Single Family Residence

Price Type --

Experience the beauty of White Mountain living in this furnished cabin located in the exclusive Eagle Mountain Estates. Built in 2020, this home showcases exceptional craftsmanship throughout its 3-bedroom, 2-bath layout. Set on a naturally landscaped lot with engineered drainage for peace of mind, this cabin offers oversized covered porches both in the front and back—ideal for taking in the serene surroundings and outdoor living year round. Inside, you'll find splendid features including granite countertops, custom cabinets, and elegant tile work. The vaulted ceilings add a sense of spaciousness to the home. Located in a peaceful, gated community, this cabin provides a perfect blend of tranquility and stylish amenities. Welcome home!

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23086 E Thornton Road Queen Creek, AZ 85142

$599,000

5 Beds

3 Baths

2,116 SqFt

Status Active

MLS # 6744050

Property Type Single Family Residence

Price Type --

Rare 5-bedroom home in Barney Farms is like brand new, built in 2021. Enjoy this premier community in a resort setting, with a deep-water lake at the heart of it all. The community center inspires a healthy active lifestyle with an aquatic center, pickle ball courts, sand volleyball, and numerous parks, playgrounds, and trails to enjoy. This home has a fun putting green in the backyard for more laid-back leisure and a cozy back patio. The front room comes complete with a built-in Murphy bed and shelves to make a perfect office / guest bedroom. A ''collar-controlled'' smart doggie door provides security and convenience for the little loved ones. The best part is a split floorplan perfect for multi-generational living or working at home. You'll love this new home!

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116 S Arizona Avenue Prescott, AZ 86303

$599,000

3 Beds

2 Baths

1,320 SqFt

Status Active

MLS # 6739131

Property Type Single Family Residence

Price Type --

Your fully remodeled home in downtown Prescott awaits! Only a half mile from the court house square you will find this updated home boasting a new roof; all new windows; all new flooring; all new kitchen cabinets and granite counters; all new appliances; new heating and central air; fully remodeled bathrooms; new stucco exterior; and all new paint inside and outside. Ample off street parking combined with a detached 1 car garage would make this a great second home with endless rental possibilities due to being walking distance to the Courthouse Square; tennis courts, and soccer field across the street; and only 3 blocks from the famous Mt Vernon Street! Seller will contribute 4.25% towards interest rate buy down. This is a value over $25,000 - saving over $1,000 on the monthly payment!

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3401 W Hansen -- Show Low, AZ 85901

$599,000

4 Beds

3 Baths

3,245 SqFt

Status Active

MLS # 6742754

Property Type Single Family Residence

Price Type --

Amazing opportunity in Show Low Country Club Estates* Home features 3245sf, 4 bedrooms, 3 bath + large bonus room* Primary bedrooms located on the 1st floor* Chefs kitchen with custom cabinets, stainless appliances and updated counter tops* Kitchen opens to the family room* Beautiful deck overlooking the private backyard* 2 door garage has been expanded wider and almost double deep* RV gate with RV parking on slab* Close to the golf course. This is an amazing home and even better value. Come and check it out!!!

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35134 N Laredo Drive San Tan Valley, AZ 85144

$599,000

4 Beds

2.5 Baths

2,535 SqFt

Status Active

MLS # 6744645

Property Type Single Family Residence

Price Type --

Discover your oasis in this private, spacious home on a premium cul-de-sac lot with no neighbor right behind! The home features a split floor plan & walk-in closets in all bedrooms. Amazing pebble tech pool includes a baja step and rock waterfall. The gourmet kitchen features double ovens, 5 flat top burners, granite counter tops, kitchen island, stainless steel appliances and butler pantry. Smart home for lights, garage door, nest, doorbell, light switches, irrigation and cameras throughout. 10' RV gate, electric car charger outlet, epoxy garage floors, fresh paint in 2023 and so much more. Community perks include playgrounds, basketball, tennis, & sand volleyball courts, and green belts. Nearby are Banner Ironwood Hospital, Queen Creek Olive Mill, and San Tan Park for hiking.

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5851 E Singletree Street Apache Junction, AZ 85119

$599,000

3 Beds

2 Baths

1,350 SqFt

Status Active

MLS # 6774610

Property Type Single Family Residence

Price Type --

Lovely family or retirement home,with gorgeous mountain views and all the peace & quiet you want. Sip your cocktails on the back patio while watching the birds and the squirrels and the occasional deer that wander through the property. Awesome city light views are a bonus from your outdoor kitchen pad. Inside is a spacious kitchen & dining area combined for the perfect entertaining space. Beautiful desert views from every window! Detached garage and separate storage shed are part of the package. Professional photos will be coming soon.

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