Worried about your credit?

You’re not alone. 

If you’re considering buying a home but concerned about a lender running your credit, watch this.

Here’s what you will learn in this video:

The difference between a soft and hard credit check

Which credit check is best for each the situation

Which credit check is needed to get a final approval

Hard Credit Checks:

For Serious Homebuyers

Lenders require a hard credit check to provide final approval for a mortgage.

This type of inquiry is a formal request for your credit history and can temporarily impact your credit score.

If you are serious about purchasing a home within the next four months, a hard credit check is a necessary step towards securing your financing.

It's important to remember that a hard credit check is typically valid for 120 days for closing, effectively pre-approving you for about 90 days.

Soft Credit Checks:

For Planning and Guidance

If you're exploring your options, curious about your eligibility, or need advice without affecting your credit score, a soft credit check is the ideal choice. A soft check allows lenders to review your credit profile without leaving a hard inquiry mark. This means no impact on your score.

With a soft check, your lender can:

  • Review your current credit situation with you.

  • Offer personalized advice.

  • Help you game plan for what you might qualify for in the future.

This is perfect for those who are not yet serious about buying but want to prepare effectively.

Stay connected for expert insights, helpful updates, and valuable resources!

Call us now for a quick conversation

Or send us an email and we’ll get back to you shortly

Have questions or want to learn more?

Whether you’re just exploring your options or ready to move forward, our team is happy to connect and provide the information you need.

No pressure, no obligation.

Why Choose Premier Mortgage Team

for Your Credit Check Guidance

At Premier Mortgage Team, we believe in empowering you with the right information at the right time. We take the time to:

  • Understand your goals

  • Explain how we can help and show you the path to the solution

  • Match you with tailored loan programs that fit your situation and goals

  • Explain the numbers when writing an offer, at closing, and after closing

Curious where you stand?  Contact the Premier Mortgage Team to get helpful guidance →

This short pre-qualification survey helps us understand:

  • How you’d like to move forward (speak with a loan officer, schedule a meeting, apply online, or send a message)

  • Your immediate goal and timeline

  • Whether there may be options or programs worth exploring based on your situation

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What Our Clients Say About Us

Real people, real guidance. See how Premier Mortgage Team helped them navigate their credit and mortgage journey.

"I had a fantastic experience with Dennis! He was incredibly responsive, knowledgeable, and made the loan process smooth and stress-free. I highly recommend him for anyone looking for a reliable lender."

Muhammad Shahid

"At the beginning of the process I had a lot of reservations as my partner and I were first time home buyers. Dennis was great about informing us on every step of the process and was patient with the questions we had. He was very responsive when he had updates and helped us with backup plans if we thought they would be needed. Overall the process went smoothly with no major issues. I believe Dennis had a very large part in assuaging any anxiety we had during the process. I would strongly recommend using Dennis as your Mortgage Advisor."

Gwen & Clin Fitchett

"Work with Dennis! That is the best advice I can give. Dennis Brown has got to be the best mortgage broker I have ever worked with. He is super responsive, friendly, and a massive wealth of knowledge. If you are even considering purchasing or refinancing, give Dennis a call and he will take care of you."

Chris Edwards

Frequently Asked Questions (FAQs)

Answers to the questions we hear most often about credit checks and mortgages.

What is the difference between a hard and soft credit check?

A hard credit check is a detailed inquiry into your credit history, typically performed by lenders when you apply for a loan or credit. It can temporarily lower your credit score by a few points. A soft credit check is a less detailed inquiry, often used for pre-approvals or background checks, and does not affect your credit score.

When should I get a hard credit check?

You should consider a hard credit check when you are serious about buying a home within the next four months and are ready to apply for a mortgage. It's a necessary step for final loan approval.

When should I opt for a soft credit check?

Opt for a soft credit check if you are just exploring your options, curious about what you might qualify for, or need advice on improving your credit without impacting your score. It's ideal for early-stage planning.

How long is a hard credit check good for?

A hard credit check for a mortgage is typically good for 120 days to close. This means you are generally pre-approved for about 90 days from the date of the inquiry.

Will getting advice from Premier Mortgage Team affect my credit score?

No. Consulting with the Premier Mortgage Team to understand your options and receive advice will not impact your credit score. We can perform a soft credit check to review your situation without any negative effects.

Previous Content & Resources

Explore our content and resources created to inform, guide, and

support your mortgage and financial journey.

A Second Opinion Could
Change Everything.

In the last 9 months, 14 buyers came to us after another lender told them “no.” We said “yes.” Visit the page to watch the video and find out if a second opinion makes sense for you.

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Before You Walk Away,

Get a Credit Check Analysis

Don't let uncertainty about credit checks hold you back from your dream home.

Whether you're just starting to explore or ready to make an offer, understanding your credit is key.

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The information provided on this page is for general informational purposes only and does not constitute a loan application, loan approval, or financial advice. Loan programs, rates, terms, and eligibility requirements are subject to change and may vary based on individual qualifications, credit profile, property type, and market conditions. Not all borrowers will qualify for all loan programs. A second opinion does not guarantee loan approval or specific loan terms. Additional documentation may be required.

This is not a commitment to lend. All loans subject to credit approval.

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