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Hi all,
i have applied for mortgage twice, by the same lender. Had to cancel the first application for mortgage 20 days prior to closing due to its location. Anyways.. i applied for mortgage again on a new construction loan on a different lot.
How would these inquiries impact me on my scores.
Inquirer CREDCO (Final underwriting on our current lot)
Date of Inquiry 08-2013
Inquirer CREDCO (pre-approval for mortgage & construction to start)
Date of Inquiry 04-2013
Inquirer CREDCO (Final Underwriting for closing on 1st home)
Date of Inquiry 02-2013
Inquirer CREDCO (pre-approval for mortgage & construction to start)
Date of Inquiry 10-2012
EQ 729
Trans 729
Exp 676
thanks
These would be treated as four inquires on your credit report. If the inquires were within a 30 day period they wouldf be treated as one inquiry by FICO. This unique to Auto, Mortages and Student loans there maybe one catagory I am missing.
The credit inquiry in August won't hurt you until you app for something else after the mortgage is closed on.