Refinance without hard pull

98Supra · ‎07-30-2024

Does anyone know of any sites that offer prequalification rates without a hard pull? PenFed and Capital1 offer this service, but I am looking for other options to explore.

I want to refinance but I don't want hard inquiries for every application (even if they count as one during the two week period). I am a tier1 applicant with 0 debt.

pizzadude · ‎08-01-2024

@98Supra wrote:
Does anyone know of any sites that offer prequalification rates without a hard pull? PenFed and Capital1 offer this service, but I am looking for other options to explore.

I want to refinance but I don't want hard inquiries for every application (even if they count as one during the two week period). I am a tier1 applicant with 0 debt.

Do you have membership in any CUs, sometimes they'll offer the best rates. I'd look around your local area or search larger CUs if you qualify for membership and you can get an idea of the best rates they currently offer. Assuming your credit is as good as you think it is and your DTI / income qualifies then I'd go ahead and apply for financing with them and you'll likely only incur one inquiry.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

trant3 · ‎08-02-2024

Chase does it, Jovia FCU, Redstone

Amex Bonvoy Brilliant $5k, Expedia OneKey $30k, Fidelity $23.5k, FNBO $15k, Universal Studios Visa $15k, G-Bank $15k, Mesa Homeowners Visa $20k, FourLeaf FCU $35k, US Bank Cash+ 15k, US Bank Alt. Reserve $16k, Affinity FCU $10k, Sofi $15k, Venmo Visa $15k, AAA $11.9k, Apple $8.5k, Citi Custom Cash $19k, Citi Double Cash $16k, Citizens Bank Cash Plus $11k, Chase Amazon $3k, Chase Flex $13.6k, Chase IHG $1k, AMEX Hilton Aspire $18k, Chase Freedom $41.5k, NFCU Plat $50k, NFCU Flagship $30k, Discover IT $36.5k, Discover Miles $20k, BECU Visa $40k, Wells Fargo Active $11.3k, PenFed Promise $15k, PenFed Gold $20k, BoA AmeriCard $14k, BoA Cash $14k, Citi SYWM $1k

4sallypat · ‎08-25-2024

@pizzadude wrote:
@98Supra wrote:
Does anyone know of any sites that offer prequalification rates without a hard pull? PenFed and Capital1 offer this service, but I am looking for other options to explore.

I want to refinance but I don't want hard inquiries for every application (even if they count as one during the two week period). I am a tier1 applicant with 0 debt.
Do you have membership in any CUs, sometimes they'll offer the best rates. I'd look around your local area or search larger CUs if you qualify for membership and you can get an idea of the best rates they currently offer. Assuming your credit is as good as you think it is and your DTI / income qualifies then I'd go ahead and apply for financing with them and you'll likely only incur one inquiry.

This is correct.

My local CU do have the lowest rates.

Since the Feds have announced lowering the rates, I will wait to re-fi my auto loan...