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re: Shopping for mortgage/refinance loan?
Posted on 10/30/17 at 4:38 pm to AndyJ
Posted on 10/30/17 at 4:38 pm to AndyJ
So “shopping”. Has does that work and affect my credit score? I filled out an app with Bancorp South today and an hour later got email notifications from a couple credit monitoring companies that they have checked/requested my credit. Is it ok to shop and fill out apps with other lenders? Think I have read in situations like this it is ok to have several inquiries when shopping for a mortgage or refinance.
FYI Bancorp South numbers he gave me:
15yr fixed 3.5%
20yr fixed 4.0
30yr fixed 4.125
FYI Bancorp South numbers he gave me:
15yr fixed 3.5%
20yr fixed 4.0
30yr fixed 4.125
This post was edited on 10/30/17 at 4:57 pm
1
Posted on 10/31/17 at 8:11 am to silstang23
quote:
Is it ok to shop and fill out apps with other lenders?
No reason for them to do this. Look online and call about 3- 5 different lenders with your home value, what you owe, and your credit score. Give all those verbally, and ask for a rate. If they won't give it to you without running a credit pull then move on to someone else. Tell them you are shopping rates and looking for the best ones, you'll find 2-3 that want your business.
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