When should buyers let their lender pull their credit?
Regardless of when a buyer wants to purchase, if they are serious about building wealth and creating a home, buyers should let a lender soft pull credit after initial conversation. A soft pull will provide most of what a lender needs for the credit calculation.
Will a soft pull affect their credit score?
A soft pull neither affects score nor is reported as an inquiry. It is the perfect use of credit with an unknown purchase date.