Hello all! So I pulled my mortgage scores yesterday, my middle is 673 (from EX) ! Exciting! Only have my SO's fico 8's , are 621, 621, and 641 as of 03/24/18. So i thought I would go ahead and call our local usda direct rep ( we are in asheville, nc) to ask some questions about approval and maybe start the Paperwork to apply cause I know it's a long process. She said with our income we would be approved but wanted to look at our credit reports, and would be emailing me the consent forms. She said she has a way for it to be a soft pull and wouldn't affect our credit scores. Has anyone heard of this?