3 Mortgage FAQs: Answered

We know: you don’t have time to read long and boring posts about getting a mortgage. What instead? THIS lightning-round mortgage FAQ!

Q: Should I shop around for the best rate? 
A: A thousand times YES! And don’t worry about stepping on lenders' toes. Tell them you’d like to work with them, but you’re shopping around for the best rate.

Q: Will multiple mortgage loan applications hurt my credit score? 
A: Maybe by a few points, but not enough to keep you from comparison shopping. As long as credit inquiries are made within a few days of one another, each is typically counted as a single inquiry for credit-scoring purposes. 

Q: How far in advance should I apply for a mortgage? 
A: The sooner, the better, but apply only when you’re almost certain to buy. Pre-approval letters are valid anywhere from 30-90 days. 

There, that was quick, wasn’t it? Have more questions? We have answers. Reach out!

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