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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14450 N Thompson Peak Parkway Unit 216 Scottsdale, AZ 85260

$585,000

2 Beds

2 Baths

1,421 SqFt

Status Active

MLS # 6727148

Property Type Townhouse

Price Type --

Stunning 26 foot ceilings in this modern and elegant townhouse. Conveniently located off the 101 and Raintree with access to great shopping and all that Scottsdale has to offer. Two bedrooms and two bathrooms with updated kitchen, appliances, and bathrooms. 1 car attached garage with extra storage. Spacious loft perfect for a home office. Beautiful community pool and heated spa. Very private and quiet.

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6830 N 10th Place Phoenix, AZ 85014

$585,000

4 Beds

2 Baths

1,401 SqFt

Status Active

MLS # 6746114

Property Type Single Family Residence

Price Type --

Located in central Phoenix, this beautiful 4bd/2bt split floor plan offers a great room, upgraded stainless steel appliances, and granite countertops. The house features tile flooring throughout the home, lots of storage rooms, and a beautiful green/lush backyard with a large patio. This beautiful home is in Madison school district-2nd Best Elementary School District in Arizona - Ranking Arizona: Top 10 elementary school districts for 2024.

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3055 N Red Mountain Unit 77 Mesa, AZ 85207

$585,000

3 Beds

2 Baths

1,571 SqFt

Status Active

MLS # 6781421

Property Type Single Family Residence

Price Type --

Welcome home to this gorgeous single-story, 3BR/2BA split-level home situated on a north/south facing corner lot in the highly coveted community of Las Sendas! Enter to a light, bright and spacious home through a wide hallway leading to the extensive great room with vaulted ceilings, built-in book shelves, upgraded tile flooring and plenty of space to host family and friends. The beautiful kitchen opens to the great room and showcases a breakfast bar, gas range with dual ovens, plenty of cabinets plus an eat-in kitchen with bay window. Retreat in the evening to your expansive and stunning owner's suite w/private access to backyard and an exceptional owners bath complete with exquisitely upgraded vanity w/dual sinks, lighting and mirror; separate soaking tub & shower and a huge walk-in closet. The additional 2 bedrooms and guest bath are split from the owners suite, for maximum privacy. Plus one of the bedrooms has private access to the guest bath which exhibits a beautifully upgraded vanity, lighting and mirror. See Documents section for a complete list of home upgrades & features! Relax at days end in your private backyard oasis complete with a sparkling pool, large turf area, beautiful stamped concrete patio, large stepping stones and low maintenance landscaping throughout. BRAND NEW ROOF (Sept 2024) w/double underlayment and transferable 10-year warranty completes this amazing home! Home is walking distance to two of Las Sendas' largest parks featuring numerous amenities to suit every lifestyle. Minutes away from Saguaro Lake, Salt River, Tonto National Forest, Usury Park and Loop 202. Las Sendas offers activities for every age group, including hiking/biking trails, 2 heated pools and spas, fitness center, lighted tennis courts, basketball courts, volleyball courts, parks w/playgrounds, splashpad, bocce ball, pickleball courts, an 18-hole golf course designed by Robert Trent Jones Jr., and dining at the Las Sendas Patio & Grill which features breathtaking views of city lights and sunsets.

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875 S Newport Street Chandler, AZ 85225

$585,000

3 Beds

2 Baths

1,488 SqFt

Status Active

MLS # 6760729

Property Type Single Family Residence

Price Type --

Welcome to your dream home in the desirable Willis Ranch community! This spacious three-bedroom, two-bathroom residence sits on a huge pie-shaped lot, offering a massive backyard that's perfect for outdoor gatherings. With ample room for gardening, play areas, or even a future outdoor kitchen, this backyard is a blank canvas for your creative vision. Located in a vibrant community with nearby parks and amenities, this home offers the perfect blend of comfort and leisure. Don't miss your chance to own this gem!

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4711 N Greenview Circle Litchfield Park, AZ 85340

$585,000

3 Beds

2 Baths

1,897 SqFt

Status Active

MLS # 6762975

Property Type Single Family Residence

Price Type --

The search is over! Your dream home is here at Litchfield Greens! Inside this charming, recently renovated, 3 bedroom property, you'll find an open floor plan with soaring ceilings. It's functional design with soft paint, tile flooring, plantation shutters, stylish light fixtures, and recessed lighting promotes a modern, but comfortable feel. The elegant white kitchen showcases staggered cabinets with tall crown molding, custom tile backsplash, granite counters, SS appliances, and a dark-stained island with breakfast bar. The spacious owner's suite has direct access to the backyard and hosts a pristine ensuite with dual porcelain sinks, soaking tub, glass block window, step-in shower, and a walk-in closet. Outside you'll relax and enjoy your private pool and sitting areas. All this and walking distance to the Wigwam and downtown Litchfield Park. Attended security gate provides extra security for this prestigious community. Don't miss out. Act now!

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10438 S 45th Place Phoenix, AZ 85044

$585,000

4 Beds

2 Baths

1,507 SqFt

Status Active

MLS # 6766982

Property Type Single Family Residence

Price Type --

Welcome home! This amazing property features 4 bedrooms 2 baths and has been completely remodeled. Brand new kitchen including cabinets, counter tops, and appliances. All the bathrooms have been tastefully updated, stained concrete flooring throughout, and fresh exterior paint. Brand new high quality windows and sliders for efficiency including owned solar which will ensure low monthly utilities costs. Garage is equipped with a 220 volt outlet for your electric charging station. Located near the beautiful South Mountain preserve perfect for hiking and mountain bike riding, restaurants and shopping near by only 20 mins to the airport for your convenience. Ahwatukee's hidden gem awaits. Don't' hesitate to see this one today!

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8870 E Greenview Drive Gold Canyon, AZ 85118

$585,000

2 Beds

2 Baths

1,850 SqFt

Status Active

MLS # 6765808

Property Type Townhouse

Price Type --

Welcome To Gold Canyon's BEST Views % A STUNNING Remodeled Single Level Townhome In Premier Gated Fairway Views! Golf & Mountain Vistas In The Rear Greet You From The MOMENT You Enter The Front! GORGEOUS Travertine Flooring T/O, Including Front & Back Exterior, Vaulted Ceiling, Fireplace, Great Room Design, Granite Slabs in Kitchen & Corian Slabs In Baths, Skylights, Stainless Steel Apps, Custom Closet, Expanded Laundry/Pantry & More! NEW Roof in 2018, NEW H2O Heater in 2023 and NEW Softener in 2024! Patio Includes More Beautiful Travertine, Sparkling Fountain, Built In Bar & BBQ And The VIEWS That Go On Forever Showcasing #11 Green Of Gold Canyon Sidewinder Course, Dinosaur Mountain & Superstition Mountain! Home Offered Turnkey Furnished & 1 Year Home Warranty Provided To Buyer!

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2425 W Red Range Way Phoenix, AZ 85085

$585,000

3 Beds

2 Baths

2,131 SqFt

Status Active

MLS # 6777834

Property Type Single Family Residence

Price Type --

Welcome to Carefree Crossing...your serene desert retreat in North Phoenix, where convenience meets tranquility. Perfectly situated near Norterra shopping and dining, freeway access, hiking trails for outdoor enthusiasts, and just 4 miles from TSMC. Step into this well maintained home with an airy, open-concept layout and 10' ceilings. Top that off with a split primary suite with patio access. The third bedroom offers flexibility as a home office or additional guest space. And a bonus room, which is just that, a bonus with a multitude of uses! With coveted N/S exposure, a private pool and spa and a covered patio, this home is designed for year-round enjoyment of Arizona's beautiful weather. Freshly painted inside and out and move-in ready, make Carefree Crossing your new home today!

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2355 N Cabot -- Mesa, AZ 85207

$585,000

3 Beds

2 Baths

1,738 SqFt

Status Active

MLS # 6780778

Property Type Single Family Residence

Price Type --

Desert mountain views await you in this desirable gated community in NE Mesa. Great schools, easy access to freeways, shopping, hiking, biking, and water sports. This 3br plus office/den is detailed with beautiful Travertine stone flooring in all but 3 bedrooms with new carpet. Brand new quartz countertops, sinks and faucets in kitchen and both bathrooms along with refinished cabinets. New window blinds throughout. Six inch crown molding top and bottom in all rooms. Features living/dining room plus family room open to kitchen. Enjoy this corner lot with a lovely heated pool and spa with easy maintainable landscape. Garage with custom floor to ceiling cabinets, work bench and epoxy flooring.

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8445 E Aloe Vera Circle Gold Canyon, AZ 85118

$585,000

2 Beds

2 Baths

2,340 SqFt

Status Active

MLS # 6779682

Property Type Single Family Residence

Price Type --

Welcome To This STUNNING & Completely REMODELED&REDONE GEM Filled w/High End Finishes & Gorgeous Surprises Around Every Corner!Entry Charms w/Porcelain Plank Floors, Designer Accent Paint&Vaulted Ceilings Which Beckon Through 2 Immaculate Kitchen Feat. Granite Slab Counters, Chocolate Glaze Cabs w/Brown PinStripes, Quartz Sinks,Cstm Travertine BackSplash, Cstm Lighting&Beamed Ceiling, Highly Upgr.Stainless App Package (F/W/D ALL Incl)&Brushed Nickel Hardware!Updated Baths Feat. Granite, Quartz, Brass&Mother Of Pearl Hardware, Cstm Fixtures&More! Mstr Suite Feat. Ext. Att.Sitting Room, Beautiful Barn Door Wall 2 Patio, Cstm Shower&Tub w/Water Proof ShipLap Wall! Ext.Patio Incl. Cstm Wrought Iron Gate,No Homes Directly Behind&Artificial Turf Sideyard!New Paint 2024!INCREDIBLE Front MTN VWS!

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13518 W Sola Drive Sun City West, AZ 85375

$585,000

2 Beds

2 Baths

2,095 SqFt

Status Active

MLS # 6782063

Property Type Single Family Residence

Price Type --

The Encanto is a favored floor plan in Corte Bella Country Club. Uniquely designed for that entertainer's lifestyle. This home has so many upscale extras that you will enjoy. Features include designer front door, updated lighting, soft welcoming paint, smooth surface tiled flooring, 10' ceilings, great room, shutters, recessed lighting, 8 ft. Island in kitchen & 2 bedrooms plus Den. Split floorplan. Primary bathroom has a remodeled walk-in shower, oversized walk-in closet & two sinks. Great room includes cozy fireplace & open view into kitchen. The kitchen has high-end cabinets, granite counters, induction cooktop, breakfast bar & casual dining. Extended length garage. Exterior features include fenced bk yard w/covered patio, front covered patio & centrally located w/in Corte Bella.

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6351 W Saddlehorn Road Phoenix, AZ 85083

$585,000

4 Beds

2.5 Baths

2,542 SqFt

Status Active

MLS # 6783990

Property Type Single Family Residence

Price Type --

Exceptionally clean and lovingly maintained poolside home with 4 BR and 2.5 BA. HVAC 2020. Granite counters in kitchen and baths, travertine backsplash and FP accents. Freshly painted inside and out with new Lighting and Fans, New Carpet. Stay and play in your own backyard resort play pool (pool fence available) and mostly private. Look at the size of the bedrooms! 28x15 master has sitting room and lux bath with soaking tub and sep shower. Easy access to shopping, great restaurants, hiking and commute by way of 303, 101 and 17.

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