Honestly, a lender can not give you an accurate GFE without running credit anyways and they do not like to discuss terms based upon a credit report they did not pull (i.e bringing copies of your reports in) That said, all mortgage inquiries in a 14 day window all count as one and will not be counted against your FICO score for at least 30 days, so the ey is to make all of your inquiries in a couple days. No matter what you are going to take a hit for the 1st pull (be it 30 days later), so have several people run your numbers at the same time and then go with the one that BOTH gives you solid numbers and seems to be repsonsive and up front. If someone comes in alot cheaper than the rest of the pack, there is usually a reason (and it is generally not a good one)
Message Edited by mickie08 on 02-17-2010 03:54 PM
