Mortgage Approvals and Credit PullsIf I'm shopping for a mortgage at what point do they do a credit check? I've read that having a credit check done for a mortgage approval puts a temporary hit on your credit rating. I'm just trying to understand the sequence of events as I'm currently in the market but obviously want the best rate. May 09 2012 - Springfield0YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.