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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1227 E Bruce Avenue Gilbert, AZ 85234

$550,000

4 Beds

3 Baths

2,050 SqFt

Status Active

MLS # 6748718

Property Type Single Family Residence

Price Type --

Welcome to your slice of paradise in the highly sought-after Lakeview Terrace at Wind Drift. This beautiful home is nestled between two majestic Gold Water Pines, offering abundant shade and a stunning curb appeal. As you approach, you'll be greeted by soaring vaulted ceilings fresh exterior paint, and an inviting ambiance that makes you feel right at home.The open and spacious floor plan seamlessly connects the living and dining areas, creating a warm yet expansive atmosphere. The large windows flood the space with natural light, enhancing the home's inviting charm. The kitchen is a chef's delight, featuring granite countertops, stainless steel appliances, and modern cabinetry in warm tones. The eat-in kitchen, living room, and picturesque backyard are elegantly unified by tile flooring that extends to the covered patio, perfect for seamless indoor-outdoor living. The first floor includes a well-appointed bedroom, a full bathroom, and a convenient laundry room. Upstairs, you'll find two additional bedrooms connected by a Jack and Jill bathroom. One of these bedrooms, with its double doors, is currently utilized as an office or study, providing flexible living options. The primary suite is a true retreat, boasting double entry doors, vaulted ceilings, a combination of carpet and tile flooring, a walk-in closet, a soaking tub, a shower, and a double vanity. Step out onto the private, shaded balconya must-see feature of this home. This exceptional property is ideally located near Freestone Park, the Gilbert Recreation Center, and within walking distance of Gilbert High School.

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2444 E Billings Street Mesa, AZ 85213

$550,000

4 Beds

2 Baths

1,950 SqFt

Status Active

MLS # 6739256

Property Type Single Family Residence

Price Type --

A completely renovated masterpiece in the heart of Mesa with no HOA, an RV gate, diving pool, for only $550K! Experience this beautifully remodeled gem, featuring a NEW ROOF (2018), NEW WATER HEATER (2020), NEW POOL PUMP (2023), RV gate, & No HOA. Step inside to an inviting interior adorned with wood-look floors and a neutral palette that enhances the cozy living room. The family room, complete with a warm fireplace, provides the perfect spot to unwind. The sleek kitchen is equipped with NEW chocolate-stained cabinets, stainless NEW steel appliances, NEW granite counters, and a center island with a breakfast bar. The main bedroom features a bi-fold door closet and a chic ensuite, adding a touch of elegance. A secret bonus room offers flexibility as a cozy office or lounge area. Outdoors, the backyard is an entertainer's delight with a covered patio, attached Ramada, a refreshing 8ft deep diving pool, and ample space for gatherings. Don't miss this captivating home

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5365 N Eager Drive Eloy, AZ 85131

$550,000

2 Beds

2.5 Baths

1,916 SqFt

Status Active

MLS # 6726253

Property Type Single Family Residence

Price Type --

SPACIOUS, AND INVITING Mandara Model the favorite model in Robson Ranch. This home is finished beautifully. Yard is complete, including walls, spacious 2 ft. extended patio & hot tub. The primary bedroom has a 2 ft extension, and your guests will love the comfortable guest suite. Home has 2.5 baths, NO CARPET - ALL BEAUTIFUL DIAGONAL LAID TILE., and a 4 ft. extended garage. This home is waiting for the fussy buyer, as it is a ''10''! From the tip top upgrades and is located in an exceptional active adult community with golf, pickleball restaurant, coffee shop with breakfast & lunch, pickleball, concerts, dance, aerobics, entertainment, leagues, bingo, trivia, bands, Karaoke, putting leagues, small plane group, community trips, and endless groups to join. NO TIME TO BE BORED HERE!!

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13220 N 14th Avenue Phoenix, AZ 85029

$550,000

4 Beds

2 Baths

1,710 SqFt

Status Active

MLS # 6753475

Property Type Single Family Residence

Price Type --

Become the proud owner of this impeccably updated residence on a coveted corner lot! ( NEW A/C, NEW ROOF, NEW ELECTRIC, ETC. ) The inviting great room boasts subtle recessed lighting, a neutral palette, and attractive wood-look flooring. The cozy family room has sliding doors that lead to the backyard for seamless indoor-outdoor living. The delightful kitchen comes with quartz counters with a matching backsplash, ample shaker cabinets, stainless steel appliances, and a center island with a breakfast bar for casual dining. The well-sized main bedroom includes a private bathroom with dual sinks for added convenience. Outside, the enchanting backyard features a covered patio, pristine artificial turf, and breathtaking mountain views. Don't miss out on this fantastic gem!

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3329 N 17th Drive Phoenix, AZ 85015

$550,000

3 Beds

2 Baths

1,366 SqFt

Status Active

MLS # 6753452

Property Type Single Family Residence

Price Type --

Come see this charming, mid-century 3BR/2BA, natural brick home in the designated North Encanto Historical District of Phoenix! You will feel right at home tucked into your new cozy neighborhood while also enjoying the many restaurants, parks, golf courses, sporting events, and shopping offered in the heart of the city. The home has been well maintained by a single owner with numerous upgrades and remodels throughout! It is located on a spacious lot with an intimate backyard garden area that is delightful for entertaining and beyond that is plenty of space for a pool and other outdoor accommodations. The property includes a long driveway that can accommodate three cars with an additional two vehicle carport with attached spacious storage room/workshop. Utility upgrades include a new sewer line to the house, electrical wiring upgrades, upgraded irrigation lines and valves (on timers), and renovated water supply lines. Interior upgrades include updated kitchen with a gas stovetop and double ovens as well as updated bathrooms with double corian sinks while the home, overall, has been well loved and maintained.

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9426 S 47th Place Phoenix, AZ 85044

New

$550,000

3 Beds

2 Baths

1,686 SqFt

Status Active

MLS # 6756999

Property Type Townhouse

Price Type --

Lovely single level 3-bed, 2-bath residence located in a private community surrounded by the Arizona Grand Resort golf course and South Mountain Preserve. Enjoy easy access to hiking trails, beautiful views and four community pools. This unique townhouse is detached with no shared walls. Featuring Spanish finishes with vaulted ceilings filled with natural light, a cozy bee-hive fireplace, large primary suite and a charming atrium. The large private backyard was designed with low-maintenance landscaping, ideal for relaxing and hosting gatherings. Located in the Ahwatukee Foothills just minutes from freeways, Phoenix Sky Harbor Airport, downtown Phoenix, shopping and dining.

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3730 W Memorial Drive Phoenix, AZ 85086

$550,000

5 Beds

3 Baths

2,168 SqFt

Status Active

MLS # 6754352

Property Type Single Family Residence

Price Type --

With understated elegance & the perfect 5 bdrm family home, this property is located in a very friendly neighborhood of the highly sought after Anthem community. This lovely abode is located within walking dist.to a very well maintained park & close to numerous shopping centers, boutiques, delicious dining along with all the wonderful amenities Anthem has to offer: workout facilities, tennis, pickleball, swimming, waterpark, walking paths and community parks. It boasts a very popular and attractive floor plan with open vaulted ceilings with 2 bdrms downstairs and 3 bdrms upstairs. The back yard is extremely private, relaxing, has a large patio area, a privacy wall and a very cozy fire pit with bench seating. Easy to maintain landscaping. Come & build your cherished family memories here!

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20121 N 76th Street Unit 2051 Scottsdale, AZ 85255

$550,000

2 Beds

2 Baths

1,322 SqFt

Status Active

MLS # 6730200

Property Type Apartment

Price Type --

RARELY AVAILABLE remodeled single-level, 2-bedroom, 2-bathroom luxury condo. No neighbors below! Located within prestigious Vintage at Grayhawk, a gated community in the heart of Grayhawk. Well-maintained residence blends modern elegance with/ easy living. Abundant windows offer a light-filled, welcoming experience. Open flr plan w/ spacious kitchen, granite countertops & stainless steel appliances. The adjacent living area features a custom stacked stone gas fireplace, dining & covered balcony & offering a serene outdoor experience ideal for enjoying AZ's breathtaking sunsets. Minutes away from golf, dining, shopping, 101 FWY, walking & biking trails. Come make this your new home in North Scottsdale!

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10881 W Carlota Lane Sun City, AZ 85373

$550,000

4 Beds

3 Baths

2,602 SqFt

Status Active Under Contract

MLS # 6749966

Property Type Single Family Residence

Price Type --

Welcome home to Deer Valley Ranch! Not Age Restricted & No HOA! This spacious 4-bed, 3-bath gem sits on a corner lot with perfect North/South exposure, providing abundant natural light throughout the 2602 square feet. Complete with 2 RV gates & RV parking, RV plug, water hook up, & sewer cleanout. This home is ideal for outdoor enthusiasts. The leased solar system ensures energy efficiency, cozy fireplace in the family room & newer AC units add to your year-round comfort. Notable features include tastefully updated bathrooms, wood-look tile flooring, & an oversized patio off the primary bedroom. The convenient guest suite downstairs adds versatility to your living space. Just 30 minutes from Lake Pleasant, this location is a paradise for water lovers. Original Owners & Pride of Ownership.

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3899 E Longhorn Street San Tan Valley, AZ 85140

$550,000

5 Beds

2.5 Baths

3,288 SqFt

Status Active

MLS # 6745300

Property Type Single Family Residence

Price Type --

Great move in ready home!! Large open floor plan with nice sized bedrooms, large loft and tons of storage space. The well laid out kitchen has a butler's pantry, cherry cabinets with crown molding, large/functional island, granite countertops all overlooking the large living room. Ceiling fans throughout, 20 inch tile, a 3 car tandem garage and a recently renovated back yard with maintenance free turf and a salt water pool This home has what your buyers are looking for!

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3613 E Surrey Avenue Phoenix, AZ 85032

$550,000

4 Beds

2 Baths

1,524 SqFt

Status Active

MLS # 6750508

Property Type Single Family Residence

Price Type --

It's all about location. Beautiful home located in desirable Phoenix with 4 beds, 2 baths + office room! It offers a double RV gate along with front & back yard grass landscaping. The kitchen boasts SS appliances w/gas stove, granite countertops, white cabinets, track lighting, & an island w/breakfast bar. Enter the main bedroom to find access to the back, wide closet, & private bathroom. Amazing backyard with a covered patio, grassy areas, 10x12 storage shed, built-in BBQ, Ramada, & an outdoor fireplace w/bench seating. Welcome home.

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5008 E Yale Street Phoenix, AZ 85008

$550,000

3 Beds

2 Baths

1,316 SqFt

Status Active Under Contract

MLS # 6730328

Property Type Single Family Residence

Price Type --

BACK ON MARKET! BUYER'S HAD CHANGE OF HEART- CALL FOR DETAILS. FABULOUS OPPORTUNITY! Discover the epitome of comfort & style in this meticulously upgraded 3-bedroom, 2-bathroom home in the heart of East Phoenix. Perfectly suited for investors looking for a lucrative AirBnb opportunity, a flip project, or a family seeking their dream home. This property boasts a wealth of recent enhancements & can come fully furnished with a Bill of Sale. The backyard oasis is designed with entertaining in mind. Featuring a new putting green, freshly painted concrete pad & walls, & a sparkling pool, you'll find yourself here all summer. Inside, the upgrades continue with new flooring throughout, complemented by new baseboards & a fresh coat of paint that brightens every room. Updated doors & modern door hardware add a touch of elegance, while new lighting fixtures & ceiling fan enhance both style and functionality. For added convenience & comfort, the kitchen boasts updated appliances including a new dishwasher and disposal. A NEST system and new vent covers ensure efficient climate control throughout the home. This property offers not just a home, but a lifestyle. Whether you're lounging by the pool or hosting friends and family in the open-concept living area, this home is designed to accommodate every aspect of modern living. Furniture may be purchased with a separate bill of sale.

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