@Anonymous wrote:That's what I was thinking.. Unfortunately I am sure it is a hard pull. Regions is terrible about not giving out complimentary CLI...
I may wait until I get a mortgage and do a little credit card shopping at that time, Any good recommendations for CC's that have good rewards and that are generous with credit limits? I have thought about getting an American Airlines aadvantage card because I frequently fly American Airlines when I travel out of the states for vacation.. Wasn't sure if those airline miles credit cards were worth it though?
Having been through the mortgage process (successfully) four times over the years and having been in real estate a while back, my advice is to reach out to your mortgage person and ask their advice... they will know your profile, and will know what impact (if any) a CLI request might have. Also, that's what they are there for. 
Depending on your profile it might even be advisable to get a CLI (i.e. would actually help); during one of mortgage preps I was explicitly told by my mortgage broker to seek out CLIs from my credit cards since having lower utilization would help me more than the added inquiry would hurt (and she was the one explaining the HPs on my behalf, anyway). This wasn't an anomaly; I saw it with others as well.
When you're as close to a purchase as you are the last thing you need is to so something off-handed to throw a wrench into the process. Keep in mind that the mortgage person is on your side; usually they are on commission, so their payday depends on your loan working out - they really want your loan to go through, and they can provide valuable guidance.
Good luck! 
