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Will Rogers's Answers

credit checks
Yes if it for a mortgage application. It will drop an 800 FICO by 5 points and a 500 FICO by 1 point. There are consumer protection laws that allow for shopping within a specific industry for 14 days. However, the formulas that calculate credit scores rely on credit providers to prescreen and delete...
Should I get a piggyback loan to avoid PMI or will paying PMI with lower rates be cheaper?
You can get Lender Paid MI and loose the monthly MI payment. With rates this low it may increase your rate a little.

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