09/07/2026
A lot of buyers delay the first mortgage conversation because they're worried a credit check will lower their score.
A soft credit pull is a check on your credit report that does not impact your credit score since it is not for the purpose of approving a credit application. It gives you valuable insight into the type of home loan you can qualify for without having to make an application which would require a hard credit pull (which can affect your credit score as it is used for approving an application for credit).
If you're just getting started and want to get an estimate of what you could afford, reach out. I could help you get qualified* for a mortgage without dinging your credit score.
*All loans subject to credit approval. A qualification is not an approval of credit, and does not signify that underwriting requirements have been met. Conditions and restrictions may apply.