if you have signed that contract you might be required to get an approval within a certain amount of time, example some places require it done within 72 hours of signing a contract....just do your homework....
i think you should be fine but i'm no expert here...your hard inq should only drop your score 1 point, maybe 2 or 3 tops, at least that is what i've been told by several people...that score should recover within 90 days and your buying a house so it's the most important purchase you could make anyway...it's not like your going to need that score to get into more debt over the next several months....
you already know your scores so you have that in your pocket going to any lender, just let them know you know your score and want to know the rate you could get on the amount of your home and see what the rate is, do your comparisons and then go with the best one at first...i would say start with your local bank if your in good standings, i think the local bank you have your account(s) with, ie checking, savings, etc, are more likely to give you a loan if they know they have your business in other accounts...you could certainly use the bigger, well knowns of the lending business to go to for your mortgage...all up to you....but you know what you have going in, you did your homework so you at least know if someone is going to pull something over on you....lol..if they come back and say, your score is 550 and your not going to get a very good rate then you know they are lying most likely....move on....
i would say just use 1 lender at first and then maybe 1 or 2 more, i would do it all around the same time...that way it's not as big of a deal if one of them see that company A did a hard inq on your CR, you can at least say it is for the mtg and you are trying to get the best rate possible....again, not going to hit your score as bad as you think....
i think you should be fine but i'm no expert here...your hard inq should only drop your score 1 point, maybe 2 or 3 tops, at least that is what i've been told by several people...that score should recover within 90 days and your buying a house so it's the most important purchase you could make anyway...it's not like your going to need that score to get into more debt over the next several months....
you already know your scores so you have that in your pocket going to any lender, just let them know you know your score and want to know the rate you could get on the amount of your home and see what the rate is, do your comparisons and then go with the best one at first...i would say start with your local bank if your in good standings, i think the local bank you have your account(s) with, ie checking, savings, etc, are more likely to give you a loan if they know they have your business in other accounts...you could certainly use the bigger, well knowns of the lending business to go to for your mortgage...all up to you....but you know what you have going in, you did your homework so you at least know if someone is going to pull something over on you....lol..if they come back and say, your score is 550 and your not going to get a very good rate then you know they are lying most likely....move on....
i would say just use 1 lender at first and then maybe 1 or 2 more, i would do it all around the same time...that way it's not as big of a deal if one of them see that company A did a hard inq on your CR, you can at least say it is for the mtg and you are trying to get the best rate possible....again, not going to hit your score as bad as you think....
