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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17844 W Sapium Way Goodyear, AZ 85338
$499,985
3
Beds
3
Baths
2,303
SqFt
Status
Active
MLS #
6656866
Property Type
Single Family Residence
Price Type
--
**10k SELLER CONCESSIONS** ALL NEWER APPLIANCES INCLUDED! Absolutely beautiful less than 2 year old home! 3 bedroom 3 bathroom with office/den. Inviting hallway leads to the captivating open floor design boasting fresh paint, tall ceilings, wood-look tile flooring, and sliding glass doors to the backyard w/Gas BBQ stub. Spotless kitchen provides SS appliances, recessed & pendant lighting, quartz counters, subway tile backsplash, a HUGE walk-in pantry, and a large island with a breakfast bar. The carpeted main retreat has a full bathroom with dual sinks and a walk-in closet,where extra insulation ensures year-round comfort and supreme soundproofing offers undisturbed peace. Secondary bedrooms enjoy a Jack & Jill bathroom. Must see home! Last of this amazing floor plan! Many upgrades done This is a stunning home located in a TOP RATED Estrella Mountain Ranch master planned community! This one level home features countless upgrades: Ceiling fans in all rooms, Blinds, screens on windows, Top of line Water softener, full Landscaping, Pendant lights, Fridge, Washer and dryer, living room tv mount and so much more. This home is considered a ''Smart Home'' - Garage, front door lock, security, thermostat, interior, and exterior lighting, are all automated. Smart Home compatible with Google, Alexa, and Apple. Kitchen features oversized island, quartz counters, and upgraded cabinetry. CAT 6 wired throughout. 240 AV installed in garage for your smart car. Home includes all appliances!! The open-concept layout and multiple windows allow natural light for bright and relaxing atmosphere. The backyard with low maintenance landscaping adds a touch of relaxation. Estrella community offers 2 exclusive clubhouses, welcome center, marina club, golf course, waterslides, 3 community pools, cooking classes, fitness, ballrooms & more! This home is a MUST SEE community with tons memories to start creating!!!
29388 N 123rd Glen Peoria, AZ 85383
$499,950
3
Beds
3
Baths
2,498
SqFt
Status
Active
MLS #
6691976
Property Type
Single Family Residence
Price Type
--
Resort Style Living at its best! Stylish low maintenance turnkey home just steps away from community pool & jacuzzi. This 3 bedroom 3 full bathroom home shows like a model home. Spacious office downstairs with a huge loft upstairs. Parking in the garage or street parking is available. Large open floor plan w 9' flat ceilings & sliding glass doors that flow into an inviting courtyard w plush landscaping & paver patio. Perfect for entertaining one or many! Kitchen includes granite counter tops, breakfast bar, walk-in pantry, cabinets galore, stainless steel appliances w natural gas range. Owner's suite includes walk-in closet, walk in shower w dual shower heads & balcony. Laundry has washer & dryer, fire protection sprinkler system. The 2-car garage w 2 large overhead racks! Come see us!
15595 W Roanoke Avenue Goodyear, AZ 85395
$499,950
2
Beds
2
Baths
1,590
SqFt
Status
Active
MLS #
6659735
Property Type
Single Family Residence
Price Type
--
Seller financing available. This Oakmount model is on a corner with limited neighbors & boasting smart upgrades for modern living. Tired of the APS Rate hikes?! You'll love the newer owned solar system (valued at $26k) new fenced backyard with new artificial turf backing to the Stunning view of the softball field! Loads of space in the newly expanded, remodeled 2.5 garage worth over $50k. Inside, enjoy the newer kitchen cabinets & countertops with newer SS appliances, perfect for whipping up delicious meals to enjoy on your beautiful patio for outdoor living at its finest!. Beautifully upgraded bathrooms, & newer tile floors in the bedrooms & bathroom. Please note: The new Garage addition adds 127 square feet. Now it is a 2 1/2 garage with an oversized garage door! You will be shocked by the low APS bill from the OWNED SOLAR! The backyard is perfect for entertaining, enjoy a wine fridge and a beverage fridge while watching a softball game! Beyond 54 holes of championship golf, Pebble Creek Golf Resort delivers the ultimate 55+ active lifestyle oasis in Arizona. Imagine stepping out your door to: Unleash your inner athlete: Challenge yourself on over 40 pickleball and tennis courts, conquer a workout at 2 fitness centers, or find inner peace in the fitness studio. Dive into leisure: Take a refreshing dip in one of 3 outdoor pools or the sparkling indoor pool, catch a captivating show in the theatre, or unleash your creativity at the art center. Fuel your mind: Browse your favorite reads in the well-stocked libraries, engage in enriching classes, or connect with like-minded neighbors in this vibrant community. Live the vibrant life you deserve at Pebble Creek. Every day is an adventure, filled with endless possibilities just steps from your doorstep. Make your move today and start living your best life in Arizona's premier 55+ resort-style community! Don't miss your chance to experience the PebbleCreek lifestyle!
Tubac AZ 85646
$499,900
2
Beds
2
Baths
1,743
SqFt
Status
Active
MLS #
6683032
Property Type
Single Family Residence
Price Type
--
Adjoining the lush Santa Cruz River, the Trails Head community is a vibrant part of the Barrio de Tubac. You can enjoy proximity to the Historic/Artisan Village of Tubac itself which has recently been voted by USA Today as the number one up and coming Artisan Community in the Country. The Trails Head neighborhood also adjoins the renowned Juan Bautista de Anza National Historic Trail which provides many miles of shaded areas to enjoy throughout the year. This 1743 sq/ft , 2 bedroom 2 bath plus den, home is positioned to take advantage of everything Tubac has to offer. Wether it is enjoying shopping and the art scene or experiencing the many outdoor opportunities, Trails Head in the Barrio de Tubac is a wonderful place to call home!
3040 W Black Oak Loop Show Low, AZ 85901
$499,900
3
Beds
2
Baths
1,432
SqFt
Status
Active
MLS #
6679189
Property Type
Single Family Residence
Price Type
--
Brand-new home. Located in the desirable Torreon Golf Villas II. This stand-alone Villa is just what you've been looking for. Tall Ponderosa Pines surround this pristine new build. Enjoy granite countertops, a walk-in shower, open concept living area, with T&G ceilings. Luxury vinyl plank and 2'' wood blinds throughout. Spacious Kitchen. Gas Fireplace. Insta hot water heater w/filter. 2 garages. This split, Three-bedroom floorplan is ideal for a primary residence, or a place to get away. Just a short ride to the Clubhouse for a nice meal or a round of Golf. Don't forget to bring your fishing pole, to enjoy one of the beautiful lakes on the mountain. At the end of the day, watch the beautiful sunset in the crisp, mountain air. Owner/Agent and may benefit from proceeds
3550 E Edna Avenue Phoenix, AZ 85032
$499,900
3
Beds
2
Baths
1,157
SqFt
Status
Active
MLS #
6659931
Property Type
Single Family Residence
Price Type
--
Your dream home awaits! Meticulously cared-for Pulte gem, ready for its next chapter. Second owners, captivated by its charm. Mature landscaping, citrus trio, and a pergola create a private retreat. AMPLE STORAGE, 2 car garage with a Brand-new garage overhead storage, custom blinds, and windows, and fresh paint amplify interior allure. * Updated paint, light & plumbing fixtures and a stove with built-in air fryer! Make it your own or move in hassle-free. Proximity to top-notch dining, shopping, and seamless freeway access. Ideal timing for Spring Training! Embrace an active lifestyle with nearby trails. Modern convenience and security with a smart lock, new ADT system, and cameras. **Your peace of mind assured until July 2025 with an included home warranty. Come see your home in perso
17852 W Jessie Lane Surprise, AZ 85387
$499,900
4
Beds
2.5
Baths
2,821
SqFt
Status
Active
MLS #
6671520
Property Type
Single Family Residence
Price Type
--
Beautiful move-in ready home with 4 spacious bedrooms, 2.5 baths w/ loft and study. Primary bedroom is downstairs with an en suite bath that connects to the laundry room. Open floor plan with a great room and eat-in kitchen. Large island and a Butler's Pantry. Gorgeous tile downstairs. Upstairs has a large loft with 3 bedrooms and a bath. Low maintenance backyard w/pavers, artificial grass and an RV gate. Perfect home for entertaining!
8119 W Lane Avenue Glendale, AZ 85303
$499,900
4
Beds
2
Baths
2,012
SqFt
Status
Active
MLS #
6675271
Property Type
Single Family Residence
Price Type
--
WELCOME HOME! A CHARMING SINGLE-STORY RANCH-STYLE HOUSE. NESTLED IN A QUIET, WELL-MAINTAINED GATED COMMUNITY. THE EXTERIOR FEATURES A COVERED PORCH, AND WELL MANICURED LANDSCAPE. ENTERING THE INTERIOR, YOU WILL SEE SHOWCASE TILE THROUGHOUT THE ENTRY-WAY, LIVING SPACE, KITCHEN & BATHROOMS. THIS HOME OFFERS AN OPEN FLOOR PLAN BETWEEN THE KITCHEN & LIVING AREA. UPDATED WITH STAINLESS-STEEL APPLIANCES, GRANITE COUNTERTOPS, & TALL CABINETS. HEADING TO THE BACKYARD, YOU WILL EXIT THROUGH A LARGE DOUBLE SLIDING GLASS DOOR. LEADING TO A COVERED BACK PATIO, & LUSH GREENERY. THE BACK ALSO INCLUDES ELECTRICAL DISCONNECT BOX FOR A SPA! IN ADDITION, BOTH BATHROOMS OFFER DOUBLE SINKS! THE PRIMARY BATHROOM BOASTS A GARDEN TUB & WALK IN SHOWER! THIS 2012 SQ. FT. 4 BED, 2 BATH IS MOVE IN READY!
12815 W Milton Drive Peoria, AZ 85383
$499,900
4
Beds
2.5
Baths
2,230
SqFt
Status
Active
MLS #
6677604
Property Type
Single Family Residence
Price Type
--
Beautifully renovated, loving cared for! This Vistancia beauty is just waiting to wow you from start to finish! Desert Beauty adorned the front yard, professional designed with beautiful cactus and agave, to desert blooming plants, rip-rack rock river beds, gives this home an AZ welcome home. Step inside to see every inch of square foot of this floor plan was utilized to allow space for everyone. Greeted by soaring ceilings, lots of natural light and warm earth tone colors adorning the walls and luxurious vinyl plank flooring. Open concept living with the formal family and dining room adjoined to family room and kitchen area, lots of space to entertain large parties. Kitchen, Family and breakfast nook all open to each other. Kitchen boast granite counters, island, pantry, newer ... stainless steel appliances, and tons of warm wood cabinets for a timeless richness. First floor you will also find den/office or 4th bedroom with closet. Guest bath with new sink/vanity with storage. Laundry room has nice storage area, easy convert for mud room- shoe bench area. Second floor features new carpeting through out. Loft, Bedroom 2 & 3 and bath 2 with full tub and lots of counter space. Spacious Owner's suite will knock your socks off with the gorgeous mountain views & AZ desert sunsets! Owners bath complete with separate tub and remodeled tiled walk in shower, double sinks, large walk-in closet and beautiful tile flooring. Patio has brick pavers extending the area for plenty of space to enjoy the gorgeous AZ weather. Go Organic and step outside to your new fruit and veggie garden, fresh citrus & veggies ripening year round. Not a gardener, thats ok, easy convert and plenty of space for a sparkling pool! Easy walk to Vistancia Elementary School. All this located in the highly sought after community of Vistancia with community pool, waterslide, recreational events for everyone! You will not be disappointed!
17866 W Villa Chula Lane Surprise, AZ 85387
$499,900
4
Beds
3
Baths
2,204
SqFt
Status
Active
MLS #
6680598
Property Type
Single Family Residence
Price Type
--
Seller is offering $10,000 towards buyers closing cost incentive with full price offer! This stunning residence, built in 2021 is ready for a new owner. Boasting 4 bedrooms plus a den and 3 full bathrooms, there's ample space for your family and guests to enjoy. Featuring a open concept layout, the kitchen steals the show with granite countertops, modern cabinetry, and a stylish backsplash. Enjoy the 3-car tandem garage, while the backyard oasis awaits with lush turf, elegant pavers, and a double gate for added convenience with custom paver steps down the oversized side yard. The community is renowned for its amenities such as a pool, baseball fields, racket/tennis courts, playgrounds, hiking trails, dog park, and access to the 303, shopping, and the thriving area of Surprise
701 W Marlboro Drive Chandler, AZ 85225
$499,900
3
Beds
2
Baths
1,515
SqFt
Status
Active
MLS #
6678423
Property Type
Single Family Residence
Price Type
--
Beautifully remodeled 3/2 with a pool in a great chandler neighborhood. Remodel was just finished including new quartz counters, laminate wood flooring in bedrooms, new shower in hall bath, new vanity, interior and exteror paint, new backyard landscaping with turf. new plaster in pool and much more...
3100 W Black Oak Loop Show Low, AZ 85901
$499,900
3
Beds
2
Baths
1,432
SqFt
Status
Active
MLS #
6680021
Property Type
Single Family Residence
Price Type
--
Brand-new home. MOVE IN READY. Located in the desirable Torreon Golf Villas II. This stand-alone Villa is just what you've been looking for. Tall Ponderosa Pines surround this pristine new build. Enjoy granite countertops, a walk-in shower, open concept living area, with T&G ceilings. Luxury vinyl plank and 2'' wood blinds throughout. Spacious Kitchen. Gas Fireplace. Insta hot water heater w/filter. 2 garages. This split, Three-bedroom floorplan is ideal for a primary residence, or a place to get away. Just a short ride to the Clubhouse for a nice meal or a round of Golf. Don't forget to bring your fishing pole, to enjoy one of the beautiful lakes on the mountain. At the end of the day, watch the beautiful sunset in the crisp, mountain air. Owner/Agent and may benefit from proceeds