Good morning Mark,
->>>Go ahead and shop around... Yeah, go ahead and shop around, it's not my credit score .l.o.l..
Actually lenders can pull credit without a credit dump, it's what they do after the first time as it follows the chain of command and gets pulled again that causes all the problems ...
That said, you're always better off going to FICO.com and pulling your *entire* credit report and your scores, and then sitting down with a lender ... just tell them you're shopping rates based on your current figures, then have them print you a good faith estimate and use that to compare the next 3 ...
As far as rates are concerned, I'd wait until after the election if thats possible..
Good luck and happy hunting.