07/14/2026
❓”Will checking my credit hurt my score?”
Not like you think! A mortgage pre-approval usually uses a “soft-pull”, but credit bureaus count multiple mortgage inquiries within a short window as one for rate shopping.
❓”Is it okay if I have debt?”
Yes! Having debt doesn’t automatically disqualify you. It’s about how it fits into your overall financial picture.
❓”Should I pay off my credit cards before applying?”
Not always. Every situation is different, so it’s best to ask before making big financial moves.
There are no “dumb” questions when it comes to buying a home. 🏡🤍
The mortgage process can feel overwhelming, but asking questions is one of the smartest things you can do. Whether you’re buying next month or next year, I’m here to help you understand your options, without judgment.
What question have you been too afraid to ask? Drop it below or send me a message. 💬
