How likely is it that my mortgage company will pull our credit again?

We were pre-approved for a mortgage, and we submitted the application for the FHA loan already. Our mortgage broker said that we’d need to have some receipts on outstanding payments we owe, and we’ve gotten those to provide to him. Now, how likely is it that he’ll pull our credit scored again?

By | 2013-08-27T01:22:23+00:00 August 27th, 2013|Mortgages Home Loans Interest Rate|5 Comments

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  1. Steve August 27, 2013 at 4:21 AM - Reply

    Pre-bubble few would have even bothered, but now with credit starting to tighten up you can count on them pulling it within two weeks of closing. If you bought something since the last credit check you didn’t want them to find out about, your best choice is to come clean and hope the loan officer can find a work around.

    The source below is a place I found years ago for unbiased mortgage information.

  2. Lisa L August 27, 2013 at 3:26 AM - Reply

    Not all companies pull credit again. I have worked for 3 Mortgage companies & not one has ever done that. Brokers probably do because every company they try to broker your loan through will pull it. Don’t make any new large purchases or open any new accounts & you will be fine.

  3. dynamite360 August 27, 2013 at 2:35 AM - Reply

    oh they r gonna pull it again but why b concerned.. as long as ur taking care of any outstanding obligations and/or debts then ur credit can only get better..

  4. Trouble August 27, 2013 at 1:42 AM - Reply

    Most definitely, they will pull it again close to the closing date. It is common practice.

  5. acermill August 27, 2013 at 1:28 AM - Reply

    Almost guaranteed that it will be pulled at least once prior to closing, most likely the day of or the day before closing, to insure that nothing has changed since it was last pulled for the approval.

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