You should certainly get a second opinion and it will not affect your credit score. You should really seek a pre-approval not a pre-qualification. The big difference is in the amount of information you are required to provide. The pre-approval is basically a pre-underwriting of your loan to make sure you will qualify. I can help you with a second opinion and get you pre-approved, feel free to call my office at 302-703-0727. I will also get you a copy of my best selling book, Your Guide to Buying Your First Home in Delaware
You can shop for a mortgage by having your credit checked by different lenders in a 30 day period and it will be treated as one inquiry. Below is the actually excerpt from MyFico.com which is a website that is maintained by the three credit bureaus.
What to know about "rate shopping."
Looking for a mortgage, auto or student loan may cause multiple lenders to request your credit report, even though you are only looking for one loan. To compensate for this, the score ignores mortgage, auto, and student loan inquiries made in the 30 days prior to scoring. So, if you find a loan within 30 days, the inquiries won't affect your score while you're rate shopping. In addition, the score looks on your credit report for mortgage, auto, and student loan inquiries older than 30 days. If it finds some, it counts those inquiries that fall in a typical shopping period as just one inquiry when determining your score.
I can certainly help you with a second opinion, feel free to call my office at 302-703-0727 or you can apply online at http://www.PRMIDelaware.com/loanapplication
You can also check out my weekly Delaware Mortgage Rate Video Update to get the latest information on rates, programs and advice on floating or locking your Delaware mortgage loan at http://www.DelawareMortgageLoans.net
John R. Thomas
Certified Mortgage Planner - NMLS 38783
Primary Residential Mortgage, Inc
248 E Chestnut Hill Rd
Newark, DE 19713