...ok, I won't tell you ...we'll just let it be another "oops" moment in the process, eh 
@Anonymous wrote:Lemmus your killing me. If I close in less than 90 days why would they need to? If they do they do but that would be 4 credit pulls from pre-approval to closing. What is the point?
The lender may do a soft pull or a hard pull just before closing to make sure you haven't picked up any additional debt or new credit. Some people run out and buy things when they get a mortgage approval 
For some reason they can't wait until they close. If they are close on their DTI it can then kill the whole deal if the new debt pushes them over their allowed back end ratio.
The whole point of watching your inqs is to make large purchases - like homes, cars, investments etc. So when you are in the middle of approval for one of those items, an extra inq or two won't hurt especially if you balance it out with low utilization.
I get it. I had planned on one pull for pre-approval and one pull near closing. I just thought was four would be excessive. I have read and read the posts on this forum and I promise myself, you, all the great people of this forum and the underwriter of my mortgage that I will purchase NOTHING before closing.lol 
I am very glad I read about this stuff before I went through the process. I think everyone should. There are so many little details that can kill your loan that most people would not even think of.
