prequalify for a mortage?

[Anonymous]

if I try to prequalify for a mortgage would this leave an inquiry on my credit report?

[Anonymous]

Yes- They will pull hards on each.

[Anonymous]

thanks

[Anonymous]

Remember mortgage shoping with a 2 week period will only count as one inquiry as long as they are coded correctly.

[ShanetheMortgageMan]

You can still get quotes and discuss your situation with hard inquiries though.

[Anonymous]

Actually a prequal can be done online without a hard on any bureau.  This is usually done by ifno you enter into the system. Now if you need a hard money letter, they will pull hards.

[MidnightVoice]

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Brammy wrote:

Actually a prequal can be done online without a hard on any bureau.  This is usually done by ifno you enter into the system.

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Where can one do this?  It sounds interesting as I will need to move in an undefined period of time and I would like to see where I am right now

[Anonymous]

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MidnightVoice wrote:

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Brammy wrote:

Actually a prequal can be done online without a hard on any bureau.  This is usually done by ifno you enter into the system.

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Where can one do this?  It sounds interesting as I will need to move in an undefined period of time and I would like to see where I am right now

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You can do it online at Wachova and I think BofA.  now if you need hard money backing you, you will need to submit to the dreaded probe.  There is a difference between pre-qual and qualifying.

Message Edited by Brammy on 12-24-2007 02:50 PM

[Anonymous]

Here is the Wachovia link

https://securemortgage.wachovia.com/cgi-bin/site_tools/prequal/index.pl?source=2

Keep in mind this is not a firm offer just a pre-qual

Message Edited by Brammy on 12-24-2007 02:52 PM

[MidnightVoice]

Sounds good, and sounds like no hards!!

Thankee - I will try it later