No. If they let it fly this go round, doesn't matter, if they shoot it down, and you come back a 9 months- year later, I don't see it being a factor (if nothing else happens).
...you don't have to go to a lender to get your mortgage scores ...you can buy EQ's ScorePower and get a legitimate FICO 04 model score w/o incurring a hard inquiry ...you can then compare your myFico EQ 08 score with it to get a fair estimate of the difference between the two score models ...my EQ 04 is higher but many others here find they are lower ...only way to know is to pull them ...hth
the only score you can get that's the same as the lender pull version is EQ Scorepower. You can't buy the mortgage specific TU and EX FICO versions anywhere. if the OP wants to know exactly where she and her hubby stands, she's better off getting official mortgage scores.