Pre-qualifying for a Home Purchase: Credit Check

Jeff Shin
2 min readMay 29, 2021

When discussing the pre-qualification process for a mortgage with clients, one common question is whether this process will impact their credit score. Unfortunately, the answer is both yes and no.

It is important to note that when a lender orders a credit report as part of the pre-qualification process, it does not hurt the borrower’s credit score. On the contrary, this process…

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Jeff Shin
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I originate loans in different area codes.