Can I get pre-qualified for a mortgage loan without a pull of my credit?
I had been pre-qualified (or pre-approved, they never told me which) back in May 2008. I had a letter which stated I was pre-approved for a mortgage loan, and I started looking for a home.
The letter expired in September, and before it did, I called the lender to get it extended. They said I would have to re-apply.
I don’t want to get either a prequal or pre-approval done again if they’re going to pull my credit and lower my score again. If I find a home within a few months, then I expect to have my credit pulled once more when I actually apply for the loan.
Are there any lenders that pre-qualify without pulling credit?