Hard vs Soft Credit Inquiries Explained (Before Buying a House!) скачать в хорошем качестве

Hard vs Soft Credit Inquiries Explained (Before Buying a House!)

Are you planning to buy a home and working on improving your credit? In this video, Senior Mortgage Loan Advisor Sarah Stokes breaks down: ✔️ What a soft credit pull is ✔️ What a hard credit inquiry is ✔️ How many points a hard pull can cost you ✔️ Whether “shopping windows” are real ✔️ How multiple mortgage inquiries are counted ✔️ What NOT to do before applying for a mortgage If you’re preparing to buy a home in 2026, understanding how credit inquiries affect your FICO score is critical. Many buyers don’t realize: • Checking your credit on Credit Karma does NOT hurt your score • Mortgage lenders use different FICO scoring models (FICO 2, 4, 5) • Applying for credit cards before closing can hurt your approval • Auto loan and mortgage shopping windows work differently than credit cards If you’re within 6–12 months of purchasing a home, strategy matters. 📩 Want a personalized mortgage credit strategy? Reach out directly — I help buyers in North Carolina and South Carolina plan smart and close strong. Sarah Stokes Senior Mortgage Loan Advisor Coast2Coast Mortgage Lending NMLS #1743154 | 376205 Follow for weekly mortgage tips, credit education, and home buying strategy. #MortgageTips #CreditScore #HomeBuying2026 #FirstTimeHomeBuyer #HardInquiry #SoftInquiry #MortgageApproval #FICOScore #NorthCarolinaRealEstate #SouthCarolinaRealEstate