I know that because people will frequently shop multiple lenders for mortgages or student loans that multiple inquiries for one of these purposes within a 14-45 day window will be viewed as a single inquiry as far as its effect on your credit score. I just unfroze my credit recently so I could apply for a student loan re-finance, but I am also probably going to be putting an offer on a house shortly as well. Do credit bureaus look at multiple inquiries in this case (student loan AND mortgage) in the same way - as a single inquiry?
If not, is there a way to get pre-approval letter from a mortgage company without a hard credit inquiry? The reason I ask that is because the house I'm looking to make an offer on is currently an "off the market" pocket listing that my agent told me about and the sellers are open to / interested in a later closing date (Spring '21) which is what I'm also looking for. If we get an accepted offer I'd have to re-apply and lock in rates some other time at least a few months from now before actually closing on it.
If not, is there a way to get pre-approval letter from a mortgage company without a hard credit inquiry? The reason I ask that is because the house I'm looking to make an offer on is currently an "off the market" pocket listing that my agent told me about and the sellers are open to / interested in a later closing date (Spring '21) which is what I'm also looking for. If we get an accepted offer I'd have to re-apply and lock in rates some other time at least a few months from now before actually closing on it.
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