It’s truly minimal…
Multiple inquiries in a 15-30 day period shopping for a mortgage will probably be looked at as a single inquiry.
If it goes beyond that, a drop of a few points can be offset by the gain of points when paying monthly payments.
I hope that you use credit cards or gas cards, as each monthly payment supports your credit score, even when paid in full. I don’t think that you carry a balance, which is fine.
People who use debit cards are doing nothing for their score.
I can usually get you approved within 30 minutes at my desk.
I’ll gladly explain the process to you.
You can lock the rate whenever you are ready.
I’m available to you anytime, just say when.
