When shopping for a mortgage…
…be careful when using internet websites which promise to have banks compete or offer up to 4 quotes from lenders. The number of inquiries to your credit report that these forms generate can be astonishing, literally dozens. Instead, consider inquiring with a mortgage broker, either via telephone or via an internet form which does not require your social security number. This way, you can shop hundreds of wholesale lenders with only a single credit inquiry, saving your credit score and your money over the long run.
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