{"id":51992,"date":"2021-06-25T11:04:27","date_gmt":"2021-06-25T19:04:27","guid":{"rendered":"https:\/\/www.credible.com\/blog\/?p=51992"},"modified":"2023-03-17T08:41:32","modified_gmt":"2023-03-17T15:41:32","slug":"does-mortgage-pre-approval-affect-your-credit-score","status":"publish","type":"post","link":"https:\/\/www.credible.com\/blog\/mortgages\/does-pre-approval-affect-credit-score\/","title":{"rendered":"Does Mortgage Pre-Approval Affect Your Credit Score?"},"content":{"rendered":"<p>If you\u2019re about to search for a new home, getting pre-approved is a good step to take. A pre-approval gives you an idea of how much you can borrow and could even grant you a competitive edge when you put in an offer.<\/p>\n<p>But since the lender performs a hard inquiry during this process, the pre-approval can affect your credit score.<\/p>\n<p><b>Here\u2019s how getting pre-approved impacts your credit score: <\/b><\/p>\n<ul>\n<li><a href=\"#mortgage-pre-approval\">What is mortgage pre-approval?<\/a><\/li>\n<li><a href=\"#get-pre-approved\">Why you should get pre-approved<\/a><\/li>\n<li><a href=\"#pre-approved-credit-score\">How getting pre-approved affects your credit<\/a><\/li>\n<\/ul>\n<p><a name=\"mortgage-pre-approval\"><\/a><\/p>\n<h2>What is mortgage pre-approval?<\/h2>\n<p>A mortgage pre-approval is a letter from a lender that estimates how much you can borrow on a <a href=\"https:\/\/www.credible.com\/mortgage\">home loan<\/a>. The pre-approval is based on details like your income, credit history, assets, and debts.<\/p>\n<p>During the process, a loan officer will go over <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/mortgage-preapproval-documents\/\">pre-approval documents<\/a> such as your credit reports, recent pay stubs, personal bank statements, and your federal personal income tax returns.<\/p>\n<p>They\u2019ll use this information to <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/mortgage-qualifications\/\">determine whether you qualify<\/a> for the mortgage loan and the amount you can receive.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\">While you might hear the terms <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/preapproval-vs-prequalification\/\">pre-approval and prequalification<\/a> used interchangeably, there are differences between the two:<\/p>\n<ul>\n<li><b>Mortgage pre-approval:<\/b> Requires a more in-depth review of your finances to confirm your creditworthiness and determine the loan amount you qualify for.<\/li>\n<li><b>Mortgage prequalification:<\/b> A lender gives you an interest rate quote based on information you tell them, usually without documentation.<\/li>\n<\/ul>\n<\/div><\/div>\n<p><a name=\"get-pre-approved\"><\/a><\/p>\n<h2>Why you should get pre-approved<\/h2>\n<p>It\u2019s always a good idea to get pre-approved before <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/how-to-get-a-mortgage\/\">shopping for a home<\/a>. That\u2019s because the pre-approval process helps you:<\/p>\n<ul>\n<li><b>Set a budget:<\/b> You\u2019ll be able to establish your price range and shop for homes within your budget, which can save you time.<\/li>\n<li><b>Get organized:<\/b> Because you\u2019ll have a lot of the paperwork gathered for the official <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/how-to-apply-for-mortgage\/\">home loan application<\/a> later, this step helps you prepare for the homebuying process.<\/li>\n<li><b>Support your purchase offer:<\/b> When you\u2019re putting in an offer, a mortgage pre-approval letter can help you stand out from other buyers, especially in a bidding war.<\/li>\n<li><b>Make a financial plan:<\/b> If you don\u2019t qualify for a pre-approval, you\u2019ll be able to find out why and create a plan to improve your finances.<\/li>\n<\/ul>\n<p><em><strong>Check out: <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/how-long-does-preapproval-take\/\">How Long Does It Take to Get Pre-Approved for a Mortgage?<\/a><\/strong><\/em><\/p>\n<h2>How getting pre-approved affects your credit<\/h2>\n<p>There are many advantages of getting pre-approved, but one downside is that it can impact your credit. That\u2019s because you give the mortgage lender permission to review your credit reports from the three main credit bureaus \u2014 Experian, TransUnion, and Equifax \u2014 and pull your credit scores.<\/p>\n<p>When a person or company pulls your credit, a notation known as an inquiry appears on your credit reports. Here\u2019s the difference between the two types of inquiries and when they can affect your credit:<\/p>\n<ol>\n<li>A <b>hard credit inquiry<\/b> occurs when a lender checks your credit to make a lending decision. The inquiry will be recorded on your credit reports and may temporarily affect your credit scores because they\u2019re associated with new debt. These usually occur with traditional mortgage pre-approvals.<\/li>\n<li>A <b>soft credit inquiry<\/b>, on the other hand, occurs when the lender only wants to provide a rate quote. Soft credit checks won\u2019t impact your credit scores because you\u2019re not applying for credit.<\/li>\n<\/ol>\n<p><div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><\/p>\n<h3><span style=\"font-size: x-large;\"><strong>Credible makes finding a mortgage easy<\/strong><\/span><\/h3>\n<h6 class=\"accent--isGrayLight\">Compare prequalified mortgage rates from top lenders in just 3 minutes.<\/h6>\n<ul class=\"list--iconArrow accent--isGreen list--iconCheckmarkSolidCircle\">\n<li>Personalized rates, not generic<\/li>\n<li>One simple, safe TLS-encrypted form<\/li>\n<li>No spam calls from lenders<\/li>\n<li>Checking rates is free, with no commitment<\/li>\n<\/ul>\n<p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/mortgage\/form\/property-stage?utm_source=wp-credible&amp;utm_medium=mp-box-cta&amp;utm_campaign=seo\" target=\"_blank\" rel=\"noopener\">Find My Rate<\/a><br \/>\n<!-- TrustBox widget - Micro Combo --><\/p>\n<div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"5419b6ffb0d04a076446a9af\" data-businessunit-id=\"5536ec090000ff00057eebe7\" data-style-height=\"20px\" data-style-width=\"100%\" data-theme=\"light\"><a href=\"https:\/\/www.trustpilot.com\/review\/www.credible.com\" target=\"_blank\" rel=\"noopener noreferrer\">Trustpilot<\/a><\/div>\n<p><!-- End TrustBox widget --><\/p>\n<p><\/div><\/div><\/p>\n\n<h3>How much traditional pre-approvals impact your credit<\/h3>\n<p>According to the credit-scoring company FICO, one inquiry may lower your credit scores by up to five points, while multiple hard inquiries may have a larger impact.<\/p>\n<p>And if you have a short credit history or not many accounts, an inquiry may do more damage to your score.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Tip:<\/b> FICO says it considers all mortgage applications \u2014 which include pre-approvals \u2014 within a 45-day window as just one credit event. So if you complete all of your mortgage pre-approvals within this time frame, you can limit the hit to your credit.<\/div><\/div>\n<h3>How long your credit will be impacted by a traditional pre-approval<\/h3>\n<p>Hard inquiries can stay on your credit reports for up to two years, but the impact of them diminishes over time. FICO says it only considers inquiries from the last 12 months when calculating your scores.<\/p>\n<p>To reduce the effects of hard inquiries, you can request pre-approvals and submit mortgage applications within a short window.<br \/>\n<a name=\"credible-process-credit\"><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019re about to search for a new home, getting pre-approved is a good step to take. A pre-approval gives you an idea of how much you can borrow and could even grant you a&hellip; <a class=\"more \" href=\"https:\/\/www.credible.com\/blog\/mortgages\/does-pre-approval-affect-credit-score\/\">Continue reading<\/a><\/p>\n","protected":false},"author":105,"featured_media":51994,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"inline_featured_image":false,"footnotes":""},"categories":[1463],"tags":[1528,1548],"class_list":["post-51992","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgages","tag-mortgage-rates-sidebar-no-table","tag-mortgage-preapproval","does-mortgage-pre-approval-affect-your-credit-score","post_tag-mortgage-rates-sidebar-no-table","post_tag-mortgage-preapproval"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Does Mortgage Pre-Approval Affect Your Credit Score? - Credible<\/title>\n<meta name=\"description\" content=\"Despite the many benefits of a mortgage pre-approval, it may ding your credit scores. 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