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Hello,You want to have your credit pulled and get pre-qualified at least 60 days before you are considering buying. 90 days if you think you may have to repair things on your credit first. Pre-qualifying is bad for your credit if you have 5 plus mortgage companies pull your credit within 30 days. Having your mortgage pulled numerous times will affect your score, especially if your have numerous places do it. I would recommend 2 - 3 pulls at most all within 1 or 2 weeks of each other to get 2 or 3 different quotes based on your credit. After the initial credit pull (provided you qualify) the loan consultant should be able to issue you a pre-qualification letter that is valid for at least 90. At the end of the 90 days the letter can be re-issued by re-pulling your credit. In the mean time do not pull or open any new credit (like - auto, credit card, installment, or student loans) unless absolute emergency. Do not get pre-qualified until you are seriously looking to buy that way you aren't having excessive credit pulls. Good Luck!!!!!!!!!!Lindsey :-)
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