Asked by James, WC • Wed Dec 17, 2008
I applied to refinance my house and locked in the rate. I received all of the paperwork but I haven't really signed anything. If I were to cancel now because the rate has dropped again (my lender will only renegotiate if I buy down points) Would my credit take a hit ? I understand that multiple pre-qualification inquires will not hurt your credit, but I am not sure if canceling after I've submitted the application and done the appraisal would hurt my credit score.
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