When a hard credit is pulled within 30 days before closing it will not effect your score, but as a rule you do not want to have credit pulled unless necessary. As a general rule think every credit check can lower your score 3-7 points. FYI...This is not the time to get 10% off on all your purchases at department stores either that will result in a hard credit pull. I would also check the local credit unions as they have very competitive rates too!
Some builder's lenders are charging 1 point of the loan amount plus other fees, which brings down their incentive considerably. Most of my lenders do not. If you have additional questions I have several local lenders that can advise you. Please contact me @ 703-405-8302 Dana Wright
I hope this helps!... more